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Consolidated Standalone

India Home Loan

₹32.5 0.7 | 2.1%

Market Cap ₹46 Cr.

Stock P/E -40.4

P/B 1.1

Current Price ₹32.5

Book Value ₹ 30.3

Face Value 10

52W High ₹47.5

Dividend Yield 0%

52W Low ₹ 23

Edit Ratio

India Home Loan Research see more...

Overview Inc. Year: 1990Industry: Finance - Housing

India Home Loan Share Price

New

₹ | |

Volume
Price

Quarterly Price

Quarterly Monthly
Show Value Show %

Peer Comparison

India Home Loan Quarterly Results

#(Fig in Cr.) Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Jun 2023 Sep 2023 Dec 2023
Operating Revenue 7 7 8 7 6 5 6 4 3 3
Other Income 0 0 0 0 0 0 1 0 0 0
Total Income 7 7 9 7 6 5 6 4 3 3
Total Expenditure 3 2 4 1 2 1 3 1 0 2
Operating Profit 5 6 5 5 4 4 3 2 3 1
Interest Expense 4 4 4 4 3 4 3 3 2 2
Depreciation 0 0 0 0 0 0 0 0 0 0
Profit Before Tax 0 1 1 1 0 0 0 -0 0 -1
Provision for Tax 0 0 1 1 0 -0 -0 -0 0 -0
Profit After Tax 0 1 0 1 0 0 0 -0 0 -1
Adjustments 0 0 0 -0 0 -0 0 0 0 0
Profit After Adjustments 0 1 0 1 0 0 0 -0 0 -1
Adjusted Earnings Per Share 0.1 0.7 0 0.4 0.1 0.2 0.1 -0.2 0.1 -0.8

India Home Loan Profit & Loss

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Operating Revenue 2 2 2 4 6 16 31 32 31 30 22 16
Other Income 0 0 0 0 0 0 0 1 0 0 3 1
Total Income 2 2 3 4 6 17 32 33 31 30 25 16
Total Expenditure 1 1 1 2 3 5 7 7 9 9 10 6
Operating Profit 1 1 1 2 3 11 25 26 22 21 14 9
Interest Expense 0 0 0 1 2 7 22 22 20 17 13 10
Depreciation 0 0 0 0 0 0 0 0 0 1 1 0
Profit Before Tax 1 1 1 1 1 4 3 4 1 4 1 -1
Provision for Tax 0 0 0 0 0 1 1 1 0 2 0 0
Profit After Tax 0 1 1 1 1 3 2 3 1 2 1 -1
Adjustments 0 0 0 0 0 0 -0 0 0 0 0 0
Profit After Adjustments 0 1 1 1 1 3 2 3 1 2 1 -1
Adjusted Earnings Per Share 0.4 0.5 0.5 0.8 0.7 2.1 1.3 2 0.8 1.3 0.4 -0.8

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR -27% -12% 7% 27%
Operating Profit CAGR -33% -19% 5% 30%
PAT CAGR -50% -31% -20% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR -8% -12% -13% -4%
ROE Average 1% 3% 5% 5%
ROCE Average 9% 10% 11% 9%

India Home Loan Balance Sheet

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Shareholder's Funds 15 16 18 19 31 34 36 38 39 44 45
Minority's Interest 0 0 0 0 0 0 0 0 0 0 0
Borrowings 0 0 4 10 11 116 192 170 171 125 91
Current Liability 0 0 1 3 4 42 5 10 1 4 4
Other Liabilities & Provisions -0 -0 0 1 1 1 5 5 -0 -0 0
Total Liabilities 15 16 23 33 47 193 237 223 211 173 139
Loans 12 0 18 28 38 169 216 213 200 155 98
Investments 0 0 0 0 0 0 0 0 0 0 0
Fixed Assets 0 0 0 0 0 1 1 1 1 1 0
Other Loans 0 13 0 1 0 0 0 0 1 1 1
Other Non Current Assets 0 0 0 0 0 0 3 3 0 0 0
Current Assets 3 3 5 3 8 22 16 5 10 5 4
Total Assets 15 16 23 33 47 193 237 223 211 173 139

India Home Loan Cash Flow

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Opening Cash & Cash Equivalents 0 0 0 1 0 1 7 4 2 3 0
Cash Flow from Operating Activities -3 0 -4 -9 -9 -133 -55 11 8 41 35
Cash Flow from Investing Activities -0 -0 -1 2 -2 -2 -6 9 -2 2 -0
Cash Flow from Financing Activities 4 -0 5 6 13 141 59 -22 -5 -45 -35
Net Cash Inflow / Outflow -0 0 0 -0 1 6 -2 -2 1 -3 -0
Closing Cash & Cash Equivalent 0 0 1 0 1 7 4 2 3 0 0

India Home Loan Ratios

# Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Earnings Per Share (Rs) 0.38 0.55 0.51 0.76 0.69 2.08 1.28 1.96 0.79 1.34 0.42
CEPS(Rs) 0.4 0.58 0.63 0.82 0.74 2.28 1.59 2.19 0.95 1.71 0.82
DPS(Rs) 0 0 0 0 0.1 0.2 0.2 0.15 0.1 0 0
Book NAV/Share(Rs) 9.76 10.31 15.52 16.28 21.89 23.73 22.83 24.57 27.39 28.75 29.23
Net Profit Margin 26.55 29.58 23.41 20.72 17.94 18.09 5.81 8.67 3.6 6.37 2.71
Operating Margin 34.68 41.21 36.65 58.21 56.91 67.01 78.26 78.28 69.82 68.2 62.1
PBT Margin 34.23 40.05 33.29 30.96 25.37 24.79 9.01 11.59 4.77 13.19 4.41
ROA(%) 3.16 3.87 2.98 3.11 2.5 2.48 0.85 1.22 0.52 1 0.39
ROE(%) 3.95 5.46 3.98 4.76 3.98 9.1 5.49 8.29 3.02 4.78 1.46
ROCE(%) 4.1 5.36 4.68 8.89 8.15 9.34 11.79 11.63 10.4 10.81 9.1
Price/Earnings(x) 149.59 95.42 93.71 53.15 154.87 46.49 53.62 17.31 48.12 24.23 83.02
Price/Book(x) 5.8 5.07 3.05 2.47 4.91 4.07 3 1.38 1.38 1.13 1.2
Dividend Yield(%) 0 0 0 0 0.09 0.21 0.29 0.44 0.26 0 0
EV/Net Sales(x) 39.59 27.99 23.73 14.11 30.14 17.47 9 6.6 6.95 5.6 6.15
EV/Core EBITDA(x) 108.85 65.21 55.69 23.52 51.8 25.39 11.3 8.33 9.85 8.01 9.52
Interest Earned Growth(%) 28.93 29.91 21.29 68.99 32.98 196.87 91.62 2.99 -3.76 -3.45 -25.65
Net Profit Growth 1286.35 44.73 -4 49.55 15.16 199.33 -38.46 53.74 -60 70.72 -68.39
EPS Growth(%) 1285.93 44.73 -7.63 49.55 -8.32 199.33 -38.46 53.74 -60 70.72 -68.39
Interest Coverage(x) % 76.17 35.37 10.89 2.14 1.8 1.59 1.13 1.17 1.07 1.24 1.08

India Home Loan Shareholding Pattern

# Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Promoter 35.71 35.92 36.21 36.21 36.29 36.38 36.38 36.55 36.55 36.55
FII 0 0 0 0 0 0 0 0 0 0
DII 24.57 24.57 24.57 24.57 24.57 24.57 24.57 24.57 24.57 24.57
Public 39.72 39.51 39.22 39.22 39.14 39.05 39.05 38.88 38.88 38.88
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company has reduced debt.

Cons

  • Promoter holding is low: 36.55%.
  • Company has a low return on equity of 3% over the last 3 years.
  • The company has delivered a poor profit growth of -19% 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.

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