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: 5,460 Cr.
  • Current Price: 127.75
  • 52 weeks High / Low 775.05 / 81.00
  • Book Value: 396.96
  • Stock P/E: 1.78
  • Dividend Yield: 31.31 %
  • ROCE: 12.38 %
  • ROE: 26.53 %
  • Sales Growth (3Yrs): 22.67 %
  • Listed on BSE and NSE
  • Company Website
  • Face Value: 2.00
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Pros:
Stock is trading at 0.32 times its book value
Stock is providing a good dividend yield of 31.31%.
Company has good consistent profit growth of 21.19% over 5 years
Company has a good return on equity (ROE) track record: 3 Years ROE 27.19%
Company has been maintaining a healthy dividend payout of 42.02%
Cons:
Company has low interest coverage ratio.
Promoter holding is low: 23.56%

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

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Quarterly Results Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019
Revenue 2,931 3,016 3,156 3,420 4,001 4,070 4,254 4,473 4,210 3,885 3,480 3,369
Interest 1,739 1,841 1,911 2,074 2,145 2,335 2,556 2,447 2,374 2,363 2,168 2,055
509 378 425 608 623 325 301 632 396 388 536 681
Financing Profit 683 798 819 738 1,233 1,410 1,397 1,394 1,439 1,134 777 633
Financing Margin % 23% 26% 26% 22% 31% 35% 33% 31% 34% 29% 22% 19%
Other Income 293 272 297 759 -0 1 1 5 0 1 1 1
Depreciation 7 7 8 8 14 8 11 11 12 29 30 20
Profit before tax 970 1,062 1,108 1,489 1,219 1,402 1,387 1,388 1,427 1,106 747 613
Tax % 14% 24% 23% 23% 12% 25% 25% 30% 30% 29% 6% 11%
Net Profit 841 809 861 1,142 1,082 1,055 1,044 986 1,006 802 710 552
EPS in Rs 19.83 19.08 20.30 26.85 25.38 24.73 24.48 23.09 23.54 18.75 16.59 12.90
Gross NPA % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Net NPA % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
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 TTM
Revenue 4,730 5,890 7,243 9,221 11,628 14,952 17,020 14,944
Interest 2,599 3,282 3,944 4,971 6,411 8,010 9,726 8,960
514 632 816 1,105 1,485 2,033 1,654 2,001
Financing Profit 1,616 1,976 2,482 3,145 3,733 4,909 5,641 3,983
Financing Margin % 34% 34% 34% 34% 32% 33% 33% 27%
Other Income 48 14 9 4 62 6 6 3
Depreciation 9 8 19 20 23 37 43 92
Profit before tax 1,655 1,982 2,473 3,129 3,772 4,878 5,604 3,894
Tax % 24% 21% 23% 25% 23% 21% 28%
Net Profit 1,258 1,564 1,901 2,345 2,906 3,895 4,091 3,069
EPS in Rs 36.98 41.91 48.85 47.04 63.08 91.32 95.71 71.78
Dividend Payout % 50% 62% 50% 81% 39% 45% 42%
* Sales is net of excise duty and discounts
Compounded Sales Growth
10 Years:%
5 Years:23.64%
3 Years:22.67%
TTM:-11.04%
Compounded Profit Growth
10 Years:%
5 Years:21.19%
3 Years:20.39%
TTM:-26.35%
Stock Price CAGR
10 Years:%
5 Years:-26.24%
3 Years:-51.77%
1 Year:-82.64%
Return on Equity
10 Years:%
5 Years:27.58%
3 Years:27.19%
Last Year:26.53%

Balance Sheet Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Sep 2019
62 67 71 84 85 85 85 86
Reserves 5,006 5,639 6,561 10,610 12,037 14,273 16,397 16,887
Borrowings 31,286 35,540 47,487 61,085 85,301 111,056 105,756 90,520
2,787 3,172 3,110 3,935 6,274 7,188 7,866 4,126
Total Liabilities 39,141 44,417 57,229 75,714 103,697 132,603 130,104 111,618
58 115 123 136 169 169 214 522
CWIP 0 0 0 0 0 0 0 0
Investments 2,308 2,947 6,164 10,693 13,617 14,792 19,717 13,443
36,775 41,354 50,942 64,886 89,912 117,642 110,173 97,654
Total Assets 39,141 44,417 57,229 75,714 103,697 132,603 130,104 111,618

Cash Flows Consolidated Figures in Rs. Crores / View Standalone

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

Ratios Consolidated Figures in Rs. Crores / View Standalone

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