Indiabulls Housing Finance Ltd

indiabulls.com ; www.financials.indiabulls.com BSE: 535789 NSE : IBULHSGFIN
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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)

Website BSE NSE
  • 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
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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

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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

Corporate actions
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%

Shareholding Pattern

Numbers in percentages

Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020
23.63 21.69 21.70 21.67 21.66 21.64 21.67 21.72 23.09 23.66 21.70 21.70
53.59 54.34 55.52 55.67 56.19 52.42 54.93 47.16 37.77 38.66 27.95 32.16
14.18 14.57 14.06 13.70 13.10 13.27 11.27 11.45 11.71 12.42 10.28 12.09
8.60 9.40 8.71 8.97 9.06 12.66 12.13 18.44 25.45 23.27 36.39 30.37
0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.23 1.98 1.98 3.68 3.68

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