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 ₹ 10,669 Cr.
- Current Price ₹ 231
- High / Low ₹ 264 / 81.0
- Stock P/E 10.0
- Book Value ₹ 346
- Dividend Yield 13.4 %
- ROCE 10.2 %
- ROE 13.8 %
- Face Value ₹ 2.00
Pros
- Company has reduced debt.
- Stock is trading at 0.67 times its book value
- Company has been maintaining a healthy dividend payout of 48.59%
Cons
- Company has low interest coverage ratio.
Peer comparison
Sector: Finance Industry: Finance - Housing
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 4,001 | 4,070 | 4,254 | 4,473 | 4,343 | 3,885 | 3,480 | 3,369 | 2,950 | 2,563 | 2,534 | 2,513 |
Interest | 2,145 | 2,335 | 2,556 | 2,447 | 2,374 | 2,363 | 2,168 | 2,055 | 2,126 | 1,847 | 1,792 | 1,706 |
623 | 325 | 301 | 632 | 530 | 388 | 536 | 681 | 706 | 339 | 353 | 346 | |
Financing Profit | 1,233 | 1,410 | 1,397 | 1,394 | 1,439 | 1,134 | 777 | 633 | 118 | 377 | 389 | 461 |
Financing Margin % | 31% | 35% | 33% | 31% | 33% | 29% | 22% | 19% | 4% | 15% | 15% | 18% |
Other Income | -0 | 1 | 1 | 5 | 0 | 1 | 1 | 1 | 4 | 4 | 47 | 1 |
Depreciation | 14 | 8 | 11 | 11 | 12 | 29 | 30 | 20 | 28 | 26 | 22 | 25 |
Profit before tax | 1,219 | 1,402 | 1,387 | 1,388 | 1,427 | 1,106 | 747 | 613 | 94 | 354 | 413 | 437 |
Tax % | 12% | 25% | 25% | 30% | 30% | 29% | 6% | 11% | -34% | 23% | 22% | 25% |
Net Profit | 1,082 | 1,055 | 1,044 | 986 | 1,006 | 802 | 710 | 552 | 137 | 273 | 323 | 329 |
EPS in Rs | 25.37 | 24.72 | 24.47 | 23.06 | 23.54 | 18.75 | 16.59 | 12.90 | 3.21 | 6.38 | 6.99 | 7.12 |
Gross NPA % | 1.98% | 1.75% | ||||||||||
Net NPA % | 1.46% | 0.77% | ||||||||||
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 | 10,560 |
Interest | 2,599 | 3,282 | 3,944 | 4,971 | 6,411 | 8,010 | 9,726 | 8,512 | 7,471 |
514 | 632 | 816 | 1,105 | 1,485 | 2,033 | 1,654 | 2,040 | 1,744 | |
Financing Profit | 1,616 | 1,976 | 2,482 | 3,145 | 3,733 | 4,909 | 5,640 | 2,664 | 1,345 |
Financing Margin % | 34% | 34% | 34% | 34% | 32% | 33% | 33% | 20% | 13% |
Other Income | 48 | 14 | 9 | 4 | 62 | 6 | 6 | 4 | 57 |
Depreciation | 9 | 8 | 19 | 20 | 23 | 37 | 43 | 108 | 102 |
Profit before tax | 1,655 | 1,982 | 2,473 | 3,129 | 3,772 | 4,878 | 5,604 | 2,561 | 1,299 |
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 | 1,062 |
EPS in Rs | 40.27 | 46.83 | 53.47 | 55.66 | 68.57 | 91.33 | 95.71 | 51.45 | 23.70 |
Dividend Payout % | 50% | 62% | 50% | 81% | 39% | 45% | 42% | 59% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | 13% |
3 Years: | 4% |
TTM: | -30% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | 3% |
3 Years: | -9% |
TTM: | -65% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | -19% |
3 Years: | -42% |
1 Year: | -9% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | 24% |
3 Years: | 23% |
Last Year: | 14% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Sep 2020 | |
---|---|---|---|---|---|---|---|---|---|
62 | 67 | 71 | 84 | 85 | 85 | 85 | 84 | 89 | |
Reserves | 5,006 | 5,639 | 6,561 | 10,610 | 12,037 | 14,273 | 16,397 | 15,454 | 15,892 |
Borrowings | 31,286 | 35,540 | 47,487 | 61,085 | 85,301 | 111,056 | 105,756 | 79,674 | 73,160 |
2,787 | 3,172 | 3,110 | 3,935 | 6,274 | 7,188 | 7,866 | 7,660 | 6,490 | |
Total Liabilities | 39,141 | 44,417 | 57,229 | 75,714 | 103,697 | 132,603 | 130,104 | 102,872 | 95,632 |
58 | 115 | 123 | 136 | 169 | 169 | 214 | 450 | 360 | |
CWIP | 0 | 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 | 6,677 |
36,775 | 41,354 | 50,942 | 64,886 | 89,912 | 117,642 | 110,173 | 90,145 | 88,595 | |
Total Assets | 39,141 | 44,417 | 57,229 | 75,714 | 103,697 | 132,603 | 130,104 | 102,872 | 95,632 |
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% |
Documents
Add documentRecent announcements
- Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD 5 Mar
- Announcement under Regulation 30 (LODR)-Allotment 4 Mar
- Intimation Regarding Payment Of Principal And Interest On INR 315,00,00,000/-, 7.80 Per Cent Secured Synthetic INR Notes Due February 2021 Issued By The Company 2 Mar
- Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD 26 Feb
- Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD 26 Feb
View all