Piramal Finance Ltd

₹ 16.7 -9.97%

11 Jun 2021

About

Dewan Housing Finance Corporation's main business is of providing loans to Retail customers for construction or purchase of residential property, loans against property,

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Market Cap ₹ 524 Cr.
Current Price ₹ 16.7
High / Low ₹ /
Stock P/E 9.99
Book Value ₹ 533
Dividend Yield 0.00 %
ROCE 6.73 %
ROE 0.33 %
Face Value ₹ 10.0

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Pros

Stock is trading at 0.03 times its book value

Cons

Company has low interest coverage ratio.
The company has delivered a poor sales growth of -2.58% over past five years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance - Housing

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Jun 2021	Dec 2021	Mar 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
	2,001	1,819	1,938	1,751	1,627	1,648	1,736	1,679	1,706	1,654	1,783	2,229	2,378
	1,487	362	1,234	1,575	942	716	740	711	2,758	677	702	1,189	1,181
Operating Profit	514	1,457	705	175	685	932	995	968	-1,052	977	1,080	1,040	1,197
OPM %	26%	80%	36%	10%	42%	57%	57%	58%	-62%	59%	61%	47%	50%
	1	20	45	0	-10,253	7	2	-1,858	240	101	99	43	128
Interest	48	983	987	831	834	834	887	922	986	996	1,082	1,148	1,194
Depreciation	19	19	17	24	33	35	36	39	46	45	51	48	50
Profit before tax	448	475	-255	-679	-10,435	70	75	-1,850	-1,844	37	47	-112	82
Tax %	30%	25%	-25%	-514%	-14%	30%	31%	-31%	-60%	0%	0%	0%	0%
	314	355	-192	2,813	-8,968	49	51	-1,270	-742	37	47	-112	82
EPS in Rs	10.02	11.30	-6.11	89.64	-285.77	1.57	1.63	-40.47	-23.64	1.16	1.48	-3.58	2.60
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	4,966	5,979	7,295	10,821	10,850	12,884	9,322	5,082	6,039	6,592	6,664	8,179
	437	553	683	778	1,413	4,572	21,785	690	1,863	5,651	4,811	3,750
Operating Profit	4,528	5,426	6,613	10,043	9,437	8,312	-12,463	4,391	4,175	940	1,853	4,430
OPM %	91%	91%	91%	93%	87%	65%	-134%	86%	69%	14%	28%	54%
	0	2	4	5	14	-33	19	6	-77	-10,198	-1,609	235
Interest	3,783	4,460	5,490	6,654	7,722	9,393	5,725	2,828	3,332	3,453	3,637	4,419
Depreciation	11	26	24	23	28	51	79	29	52	95	155	193
Profit before tax	735	943	1,102	3,372	1,701	-1,165	-18,248	1,540	714	-12,806	-3,549	52
Tax %	28%	34%	34%	14%	27%	-11%	-25%	33%	26%	-42%	-46%	0%
	529	621	729	2,896	1,240	-1,036	-13,612	1,034	526	-7,425	-1,911	52
EPS in Rs	20.60	21.32	24.99	92.50	39.53	-33.01	-433.76	32.96	16.75	-236.59	-60.91	1.67
Dividend Payout %	19%	14%	32%	4%	14%	0%	0%	0%	0%	0%	0%	0%

Compounded Sales Growth
10 Years:	3%
5 Years:	-3%
3 Years:	11%
TTM:	23%

Compounded Profit Growth
10 Years:	-22%
5 Years:	15%
3 Years:	-54%
TTM:	121%

Stock Price CAGR
10 Years:	-22%
5 Years:	8%
3 Years:	%
1 Year:	%

Return on Equity
10 Years:	%
5 Years:	%
3 Years:	%
Last Year:	0%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2024	Mar 2025
Equity Capital	128	146	292	313	314	314	314	19,284	21,365	23,365	24,965
Reserves	3,447	4,490	4,725	7,683	8,919	7,788	-5,852	2,203	895	-8,360	-8,245
	39,457	48,881	61,050	81,264	91,712	96,521	90,412	29,867	46,416	45,064	56,033
	830	1,098	1,787	3,038	5,367	1,852	964	1,303	11,027	5,311	4,209
Total Liabilities	43,863	54,615	67,853	92,298	106,312	106,475	85,838	52,657	79,702	65,380	76,961
	192	188	202	209	850	865	920	10,365	10,833	883	770
CWIP	796	796	579	634	129	104	105	0	0	0	0
Investments	721	1,006	893	13,535	8,086	2,361	3,881	11,352	13,914	8,647	8,085
	42,153	52,624	66,179	77,920	97,247	103,145	80,932	30,940	54,956	55,849	68,107
Total Assets	43,863	54,615	67,853	92,298	106,312	106,475	85,838	52,657	79,702	65,380	76,961

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	-8,879	-12,457	-13,139	-15,746	-18,136	-8,735	12,576	1,420	8,685	6,567	-6,342	-9,675
	-715	-506	505	-10,442	6,091	6,135	575	-2,260	-325	-24	-68	-862
	10,065	12,468	15,416	26,042	11,173	1,937	-7,563	534	-8,390	-9,246	6,428	12,403
Net Cash Flow	471	-495	2,781	-146	-872	-663	5,589	-306	-30	-2,703	18	1,866

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2024	Mar 2025
Debtor Days	6	12	10	0	1	0	0	0	0	0	0
Inventory Days
Days Payable
Cash Conversion Cycle	6	12	10	0	1	0	0	0	0	0	0
Working Capital Days	-275	-379	-337	-222	-145	-5	39	94	-191	-12	-9
ROCE %	12%	11%	11%	10%	10%	8%	-13%	6%	7%		7%

Shareholding Pattern

Numbers in percentages

	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021
	39.21%	39.21%	39.21%	39.21%	39.21%	39.21%	39.21%	39.21%	39.21%	39.21%	39.21%	39.21%
	19.43%	22.25%	17.65%	11.26%	9.48%	6.45%	3.15%	2.89%	2.47%	2.47%	1.92%	0.25%
	6.42%	4.10%	4.77%	3.89%	3.75%	3.50%	3.46%	3.45%	3.45%	3.45%	3.45%	3.45%
	34.94%	34.44%	38.37%	45.64%	47.55%	50.84%	54.18%	54.45%	54.87%	54.87%	55.42%	57.09%
No. of Shareholders	2,19,000	2,84,413	3,09,016	3,40,407	3,41,798	3,39,422	3,35,474	3,35,292	3,25,778	3,26,769	3,34,260	3,48,006

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Jun 2021
	39.29%	39.23%	39.21%	39.21%	39.21%	39.21%
	25.32%	19.92%	17.65%	3.15%	1.92%	0.25%
	7.17%	9.52%	4.77%	3.46%	3.45%	3.45%
	28.21%	31.32%	38.37%	54.18%	55.42%	57.09%
No. of Shareholders	95,616	1,48,070	3,09,016	3,35,474	3,34,260	3,48,006

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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