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
Book Value ₹ 531
Dividend Yield 0.00 %
ROCE 6.65 %
ROE -0.04 %
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 -2.92% 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

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Mar 2024	Dec 2024	Mar 2025
	2,961	2,396	2,107	2,432	2,623	2,325	2,205	2,207	2,035	2,001	1,717	2,244	2,395
	3,432	426	8,074	1,169	12,157	2,158	4,895	19,812	1,755	1,487	2,780	1,221	1,187
Operating Profit	-470	1,970	-5,968	1,263	-9,533	167	-2,690	-17,606	280	514	-1,063	1,023	1,209
OPM %	-16%	82%	-283%	52%	-363%	7%	-122%	-798%	14%	26%	-62%	46%	50%
	15	4	474	5	-462	4	1	1	26	1	249	44	118
Interest	2,355	2,166	2,014	1,423	133	58	57	53	51	48	999	1,161	1,210
Depreciation	18	17	10	12	40	20	20	20	20	19	45	47	49
Profit before tax	-2,829	-208	-7,518	-168	-10,169	93	-2,766	-17,677	234	448	-1,858	-141	68
Tax %	-24%	4%	-12%	-657%	-26%	24%	-23%	-26%	59%	30%	-60%	-1%	-13%
	-2,151	-242	-6,641	934	-7,507	70	-2,123	-13,095	97	314	-752	-140	77
EPS in Rs	-68.54	-7.73	-211.60	29.77	-239.21	2.23	-67.64	-417.29	3.08	10.02	-23.97	-4.46	2.44
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2011	Mar 2012	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2024	Mar 2025
	2,094	3,212	6,420	7,835	11,465	10,849	12,882	9,558	8,771	6,121	6,703	8,242
	271	374	968	1,196	1,477	1,413	4,496	21,824	28,621	1,941	4,887	3,813
Operating Profit	1,823	2,838	5,451	6,639	9,989	9,436	8,386	-12,266	-19,850	4,180	1,816	4,429
OPM %	87%	88%	85%	85%	87%	87%	65%	-128%	-226%	68%	27%	54%
	44	4	2	4	6	41	-22	19	32	-62	-1,592	219
Interest	1,390	2,350	4,460	5,492	6,674	7,744	9,417	5,736	218	3,337	3,687	4,475
Depreciation	7	7	27	30	43	28	51	79	81	52	152	190
Profit before tax	470	486	966	1,121	3,276	1,706	-1,104	-18,063	-20,117	728	-3,616	-17
Tax %	24%	27%	34%	34%	15%	27%	-11%	-26%	-25%	26%	-45%	-61%
	357	357	642	749	2,806	1,263	-966	-13,456	-15,051	540	-1,975	-7
EPS in Rs	15.75	13.85	22.05	25.68	89.62	40.28	-30.78	-428.77	-479.61	17.21	-62.94	-0.21
Dividend Payout %	11%	33%	14%	31%	4%	14%	0%	0%	0%	0%	0%	0%

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

Compounded Profit Growth
10 Years:	%
5 Years:	15%
3 Years:	%
TTM:	98%

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

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2011	Mar 2012	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2024	Mar 2025
Equity Capital	104	117	146	292	313	314	314	314	314	23,365	24,965
Reserves	1,451	1,905	4,836	5,098	7,417	8,684	7,624	-5,860	-20,959	-8,470	-8,308
	20,524	25,006	48,881	61,050	81,511	91,979	96,812	90,412	89,851	45,680	56,810
	829	730	1,567	2,805	3,048	5,367	1,853	964	1,153	5,283	4,180
Total Liabilities	22,908	27,757	55,429	69,245	92,290	106,344	106,602	85,830	70,359	65,858	77,647
	414	423	191	508	211	850	865	920	940	1,778	1,679
CWIP	166	182	810	590	634	129	104	105	0	0	0
Investments	701	247	1,751	1,811	13,509	8,120	2,498	3,881	8,449	8,307	7,815
	21,627	26,904	52,677	66,336	77,936	97,245	103,135	80,924	60,970	55,773	68,153
Total Assets	22,908	27,757	55,429	69,245	92,290	106,344	106,602	85,830	70,359	65,858	77,647

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2011	Mar 2012	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2024	Mar 2025
	247	523	-12,272	-12,582	-15,593	-18,136	-8,735	12,576	7,135	8,661	-6,431	-9,772
	-1,249	470	-866	24	-10,930	6,091	6,135	644	-4,526	-325	70	-901
	1,386	-1,647	12,643	15,416	26,289	11,173	1,937	-7,631	0	-8,366	6,389	12,525
Net Cash Flow	385	-654	-496	2,858	-234	-872	-663	5,589	2,609	-30	29	1,852

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2011	Mar 2012	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2024	Mar 2025
Debtor Days	8	7	11	10	0	1	0	0	0	0	0
Inventory Days
Days Payable
Cash Conversion Cycle	8	7	11	10	0	1	0	0	0	0	0
Working Capital Days	-253	-217	-379	-361	-210	-145	-5	38	34	-9	-8
ROCE %	11%	11%		11%	10%	10%	8%	-13%	-26%		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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