Sahara Housing Fina Corporation Ltd

Sahara Housing Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Sahara Housing Fina Corporation Ltd

₹ 42.4 -1.03%
20 Dec - close price
saharahousingfina.com BSE: 511533
About

Incorporated in 1991, Sahara Housing Fina Corporation Ltd is in the business of providing Housing Finance in India[1]

Key Points

Services Offered:[1]
a) Home Loan:[2]
Loans are provided for purchase of Flat / Bungalow / Apartment, Construction of houses, Repairs, Renovation & Extension of Property, Loan take over from another HFC/Bank
b) Mortgage Loan Scheme:[3]
This is provided on 50% of the market value of the property to meet immediate requirements like children’s education, marriage, etc.
c) NRP Loan Scheme:[4]
This loan is for professionals like practicing Medicos, CA/ICWA/CS, Architect, Consulting Engineer, Solicitors to acquire/ construct office premises or clinic etc.

Website BSE
  • Market Cap ₹ 29.7 Cr.
  • Current Price ₹ 42.4
  • High / Low ₹ 69.0 / 33.5
  • Stock P/E 29.7
  • Book Value ₹ 74.4
  • Dividend Yield 0.00 %
  • ROCE 5.62 %
  • ROE 2.75 %
  • Face Value ₹ 10.0
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Pros

  • Company has reduced debt.
  • Stock is trading at 0.57 times its book value

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -8.25% over past five years.
  • Company has a low return on equity of 3.10% over last 3 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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Quarterly Results

Figures in Rs. Crores

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
3.20 3.17 3.07 2.78 2.66 2.68 3.08 2.72 2.73 2.47 2.70 2.28 2.11
1.37 1.36 1.21 0.89 0.82 1.10 1.29 1.18 1.22 1.10 1.16 1.08 1.18
Operating Profit 1.83 1.81 1.86 1.89 1.84 1.58 1.79 1.54 1.51 1.37 1.54 1.20 0.93
OPM % 57.19% 57.10% 60.59% 67.99% 69.17% 58.96% 58.12% 56.62% 55.31% 55.47% 57.04% 52.63% 44.08%
0.11 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest 1.26 1.19 1.16 1.17 1.16 1.15 1.04 0.94 0.95 0.90 0.88 0.86 0.66
Depreciation 0.12 0.12 0.12 0.12 0.11 0.12 0.14 0.12 0.12 0.12 0.10 0.09 0.09
Profit before tax 0.56 0.51 0.58 0.60 0.57 0.31 0.61 0.48 0.44 0.35 0.56 0.25 0.18
Tax % 19.64% 19.61% 15.52% 21.67% 22.81% 12.90% 60.66% 22.92% 20.45% 37.14% 21.43% 4.00% 38.89%
0.46 0.41 0.48 0.46 0.44 0.27 0.24 0.38 0.36 0.22 0.45 0.23 0.10
EPS in Rs 0.66 0.59 0.69 0.66 0.63 0.39 0.34 0.54 0.51 0.31 0.64 0.33 0.14
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
21.52 21.11 18.33 14.40 13.59 13.64 16.35 14.56 13.42 12.67 11.20 10.63 9.56
5.70 5.49 5.25 4.67 5.32 5.45 4.76 5.02 5.08 5.12 4.11 4.67 4.52
Operating Profit 15.82 15.62 13.08 9.73 8.27 8.19 11.59 9.54 8.34 7.55 7.09 5.96 5.04
OPM % 73.51% 73.99% 71.36% 67.57% 60.85% 60.04% 70.89% 65.52% 62.15% 59.59% 63.30% 56.07% 52.72%
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest 13.01 11.94 9.74 6.79 5.27 5.06 7.69 6.21 5.24 4.88 4.52 3.67 3.30
Depreciation 0.16 0.13 0.08 0.06 0.05 0.06 0.51 0.55 0.52 0.49 0.49 0.44 0.40
Profit before tax 2.65 3.55 3.26 2.88 2.95 3.07 3.39 2.78 2.58 2.18 2.08 1.85 1.34
Tax % 24.15% 25.63% 32.82% 34.72% 33.22% 16.29% 23.30% 25.18% 18.60% 17.89% 32.21% 23.78%
2.01 2.64 2.19 1.88 1.98 2.57 2.61 2.08 2.09 1.78 1.42 1.40 1.00
EPS in Rs 2.87 3.77 3.13 2.69 2.83 3.67 3.73 2.97 2.99 2.54 2.03 2.00 1.42
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: -7%
5 Years: -8%
3 Years: -7%
TTM: -15%
Compounded Profit Growth
10 Years: -6%
5 Years: -12%
3 Years: -13%
TTM: -20%
Stock Price CAGR
10 Years: -1%
5 Years: 9%
3 Years: -1%
1 Year: -10%
Return on Equity
10 Years: 5%
5 Years: 4%
3 Years: 3%
Last Year: 3%

Balance Sheet

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00
Reserves 22.39 25.03 24.65 26.53 28.51 31.08 35.80 37.89 40.01 41.84 43.28 44.72 45.08
147.20 141.07 124.70 106.74 103.65 96.65 87.92 73.54 62.63 59.71 49.07 45.42 33.39
3.64 2.23 6.16 3.98 4.14 2.97 11.12 5.10 2.40 2.09 1.46 1.08 0.93
Total Liabilities 180.23 175.33 162.51 144.25 143.30 137.70 141.84 123.53 112.04 110.64 100.81 98.22 86.40
0.74 0.70 0.60 0.54 0.50 1.02 2.20 2.18 1.96 1.65 1.40 1.04 0.86
CWIP 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Investments 0.09 0.09 0.09 0.03 0.03 0.02 0.02 0.01 0.02 0.02 0.03 0.03 0.03
179.40 174.54 161.82 143.68 142.77 136.66 139.62 121.34 110.06 108.97 99.38 97.15 85.51
Total Assets 180.23 175.33 162.51 144.25 143.30 137.70 141.84 123.53 112.04 110.64 100.81 98.22 86.40

Cash Flows

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
13.34 13.87 29.44 12.66 1.47 -2.17 -6.07 29.97 6.86 3.10 10.42 3.83
1.53 1.24 0.77 3.15 -0.64 12.85 -0.13 0.00 -0.01 -0.14 -0.28 -0.09
-3.77 -25.58 -16.36 -17.96 -3.09 -7.00 -0.44 -24.47 -10.48 -4.10 -11.11 -4.15
Net Cash Flow 11.10 -10.47 13.85 -2.15 -2.26 3.68 -6.64 5.49 -3.63 -1.14 -0.98 -0.40

Ratios

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 2.88 5.01 3.98 4.31 2.69 2.94 0.00 0.00 0.00 0.00 0.00 0.00
Inventory Days
Days Payable
Cash Conversion Cycle 2.88 5.01 3.98 4.31 2.69 2.94 0.00 0.00 0.00 0.00 0.00 0.00
Working Capital Days -65.30 -70.54 72.08 142.70 149.33 165.37 -229.72 -102.28 -44.06 -29.38 -16.62 0.34
ROCE % 9.42% 8.86% 7.89% 6.52% 5.88% 5.94% 8.35% 7.22% 6.86% 6.47% 6.35% 5.62%

Shareholding Pattern

Numbers in percentages

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
71.35% 71.35% 71.35% 71.35% 71.35% 71.35% 71.35% 71.35% 71.35% 71.35% 71.35% 71.35%
28.65% 28.65% 28.65% 28.65% 28.66% 28.66% 28.65% 28.65% 28.65% 28.64% 28.64% 28.64%
No. of Shareholders 6,1876,1816,1396,0426,0055,9555,8746,0746,0906,1016,4106,708

Documents

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