Indiabulls Housing Finance Ltd

Indiabulls Housing Finance is engaged in business of a Housing Finance Institution without accepting public deposits and its regulated by National Housing Bank.(Source : 201903 Annual Report Page No: 65)

  • Market Cap: 6,431 Cr.
  • Current Price: 138.95
  • 52 weeks High / Low 436.65 / 81.00
  • Book Value: 336.06
  • Stock P/E: 3.85
  • Dividend Yield: 22.31 %
  • ROCE: 10.19 %
  • ROE: 13.75 %
  • Sales Growth (3Yrs): 4.36 %
  • Listed on BSE and NSE
  • Company Website
  • Face Value: 2.00
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Pros:
Company has reduced debt.
Stock is trading at 0.41 times its book value
Company has been maintaining a healthy dividend payout of 48.59%
Cons:
Company has low interest coverage ratio.
Promoter holding has decreased by -1.36% over last quarter
Promoter holding is low: 22.20%
Tax rate seems low
Contingent liabilities of Rs.2118.02 Cr.
** Remarks:
Some businesses are provided tax benefits to encourage their development

Peer comparison Sector: Finance // Industry: Finance - Housing

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Quarterly Results Consolidated Figures in Rs. Crores / View Standalone

Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020
Revenue 3,156 3,420 4,001 4,070 4,254 4,473 4,343 3,885 3,480 3,369 2,950 2,575
Interest 1,911 2,074 2,145 2,335 2,556 2,447 2,374 2,363 2,168 2,055 2,126 1,847
425 608 623 325 301 632 530 388 536 681 706 351
Financing Profit 819 738 1,233 1,410 1,397 1,394 1,439 1,134 777 633 118 377
Financing Margin % 26% 22% 31% 35% 33% 31% 33% 29% 22% 19% 4% 15%
Other Income 297 759 -0 1 1 5 0 1 1 1 4 4
Depreciation 8 8 14 8 11 11 12 29 30 20 28 26
Profit before tax 1,108 1,489 1,219 1,402 1,387 1,388 1,427 1,106 747 613 94 354
Tax % 23% 23% 12% 25% 25% 30% 30% 29% 6% 11% -34% 23%
Net Profit 861 1,142 1,082 1,055 1,044 986 1,006 802 710 552 137 273
EPS in Rs 20.30 26.85 25.38 24.73 24.48 23.09 23.54 18.75 16.59 12.90 3.27 6.51
Gross NPA %
Net NPA %
Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes

Profit & Loss Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 TTM
Revenue 4,730 5,890 7,243 9,221 11,628 14,952 17,020 13,216 12,374
Interest 2,599 3,282 3,944 4,971 6,411 8,010 9,726 8,512 8,196
514 632 816 1,105 1,485 2,033 1,654 2,040 2,273
Financing Profit 1,616 1,976 2,482 3,145 3,733 4,909 5,640 2,664 1,905
Financing Margin % 34% 34% 34% 34% 32% 33% 33% 20% 15%
Other Income 48 14 9 4 62 6 6 4 9
Depreciation 9 8 19 20 23 37 43 108 105
Profit before tax 1,655 1,982 2,473 3,129 3,772 4,878 5,604 2,561 1,809
Tax % 24% 21% 23% 25% 23% 21% 28% 15%
Net Profit 1,258 1,564 1,901 2,345 2,906 3,895 4,091 2,200 1,671
EPS in Rs 36.98 41.91 48.85 47.04 63.08 91.32 95.71 52.48 39.27
Dividend Payout % 50% 62% 50% 81% 39% 45% 42% 59%
* Sales is net of excise duty and discounts
Compounded Sales Growth
10 Years:%
5 Years:12.78%
3 Years:4.36%
TTM:-27.02%
Compounded Profit Growth
10 Years:%
5 Years:2.98%
3 Years:-8.84%
TTM:-56.45%
Stock Price CAGR
10 Years:%
5 Years:-28.07%
3 Years:-51.31%
1 Year:-67.22%
Return on Equity
10 Years:%
5 Years:23.85%
3 Years:22.81%
Last Year:13.75%

Balance Sheet Consolidated Figures in Rs. Crores / View Standalone

Corp Actions
Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
62 67 71 84 85 85 85 84
Reserves 5,006 5,639 6,561 10,610 12,037 14,273 16,397 15,454
Borrowings 31,286 35,540 47,487 61,085 85,301 111,056 105,756 79,674
2,787 3,172 3,110 3,935 6,274 7,188 7,866 7,660
Total Liabilities 39,141 44,417 57,229 75,714 103,697 132,603 130,104 102,872
58 115 123 136 169 169 214 450
CWIP 0 0 0 0 0 0 0 0
Investments 2,308 2,947 6,164 10,693 13,617 14,792 19,717 12,277
36,775 41,354 50,942 64,886 89,912 117,642 110,173 90,145
Total Assets 39,141 44,417 57,229 75,714 103,697 132,603 130,104 102,872

Cash Flows Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
-3,609 -2,452 -8,892 -11,643 -17,845 -25,024 21,206 19,331
5,052 -635 -2,093 -4,997 -2,107 368 -4,220 8,265
5,227 3,090 10,699 15,330 22,591 23,775 -7,335 -27,934
Net Cash Flow 6,671 3 -286 -1,310 2,638 -881 9,650 -338

Ratios Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
ROE % 29% 31% 27% 25% 29% 27% 14%

Shareholding pattern in percentages

Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020
23.79 23.69 23.63 21.69 21.70 21.67 21.66 21.64 21.67 21.72 23.09 23.66
60.12 55.34 53.59 54.34 55.52 55.67 56.19 52.42 54.93 47.16 37.77 38.66
7.21 12.01 14.18 14.57 14.06 13.70 13.10 13.27 11.27 11.45 11.71 12.42
8.89 8.96 8.60 9.40 8.71 8.97 9.06 12.66 12.13 18.44 25.45 23.27
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.23 1.98 1.98