India Home Loans Ltd

India Home Loans Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

India Home Loans Ltd

₹ 30.5 -5.39%
21 Nov - close price
indiahomeloan.co.in BSE: 530979
About

Incorporated in 1990, India Home Loan Ltd, is a Non-deposit accepting Housing Finance Company registered with the National Housing Bank for carrying out the business of housing finance. The Co offers retail home loan products for the affordable housing segment. [1][2]

Key Points

Target Market
The Co. offers loan products for purchase, construction, extension and improvement of houses. It caters to individuals and families belonging to the Economically Weaker Section, Low Income Group and Middle Income Group residing in the periphery of semi-urban and urban India. [1]

Website BSE
  • Market Cap ₹ 43.6 Cr.
  • Current Price ₹ 30.5
  • High / Low ₹ 47.5 / 26.2
  • Stock P/E
  • Book Value ₹ 29.0
  • Dividend Yield 0.00 %
  • ROCE 5.27 %
  • ROE -7.97 %
  • Face Value ₹ 10.0
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Pros

  • Company has reduced debt.
  • Stock is trading at 1.05 times its book value
  • Promoter holding has increased by 1.05% over last quarter.

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -17.6% over past five years.
  • Promoter holding is low: 39.0%
  • Company has a low return on equity of -0.69% over last 3 years.
  • Company's cost of borrowing seems high
  • Working capital days have increased from 647 days to 1,260 days

* 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
Revenue 7.22 8.48 6.66 5.64 5.38 5.71 5.61 3.74 3.00 2.95 2.33 3.28 3.28
Interest 4.28 4.16 3.70 3.39 3.69 3.13 2.70 2.68 2.50 2.16 2.23 1.96 1.92
1.68 3.55 1.40 1.70 1.49 3.16 2.61 1.36 0.31 1.95 2.12 1.23 1.29
Financing Profit 1.26 0.77 1.56 0.55 0.20 -0.58 0.30 -0.30 0.19 -1.16 -2.02 0.09 0.07
Financing Margin % 17.45% 9.08% 23.42% 9.75% 3.72% -10.16% 5.35% -8.02% 6.33% -39.32% -86.70% 2.74% 2.13%
0.21 0.25 0.19 0.01 0.01 0.78 0.06 0.06 0.02 0.01 0.01 0.06 0.01
Depreciation 0.05 0.05 0.37 0.09 0.08 0.08 0.08 0.07 0.05 0.03 0.03 0.01 0.03
Profit before tax 1.42 0.97 1.38 0.47 0.13 0.12 0.28 -0.31 0.16 -1.18 -2.04 0.14 0.05
Tax % 27.46% 92.78% 54.35% 68.09% -115.38% -58.33% 96.43% -9.68% 37.50% -2.54% 3.43% 21.43% -20.00%
1.03 0.07 0.64 0.15 0.27 0.19 0.00 -0.27 0.09 -1.15 -2.11 0.10 0.06
EPS in Rs 0.72 0.05 0.45 0.11 0.19 0.13 0.00 -0.19 0.06 -0.81 -1.48 0.07 0.04
Gross NPA % 4.68% 4.23% 4.29% 4.68% 3.69% 3.40% 4.60% 4.78% 2.81% 3.32% 3.63% 3.55%
Net NPA % 2.45% 3.16% 3.09% 3.36% 2.60% 2.43% 4.22% 3.45% 2.01% 2.39% 2.61% 2.55%
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
Revenue 1.66 2.09 2.51 4.28 5.86 16.69 31.84 32.57 31.13 30.06 22.36 12.10 11.84
Interest 0.01 0.02 0.08 1.13 1.74 6.92 21.75 21.57 20.25 16.53 12.89 9.51 8.27
1.09 1.22 1.47 1.80 2.65 5.41 6.82 7.30 9.16 9.45 8.74 5.76 6.59
Financing Profit 0.56 0.85 0.96 1.35 1.47 4.36 3.27 3.70 1.72 4.08 0.73 -3.17 -3.02
Financing Margin % 33.73% 40.67% 38.25% 31.54% 25.09% 26.12% 10.27% 11.36% 5.53% 13.57% 3.26% -26.20% -25.51%
0.00 0.00 0.00 0.01 0.00 0.00 0.00 0.37 0.00 0.42 0.82 -0.01 0.09
Depreciation 0.03 0.03 0.15 0.07 0.07 0.29 0.44 0.33 0.23 0.53 0.56 0.19 0.10
Profit before tax 0.53 0.82 0.81 1.29 1.40 4.07 2.83 3.74 1.49 3.97 0.99 -3.37 -3.03
Tax % 22.64% 25.61% 29.63% 33.33% 29.29% 27.03% 35.69% 25.40% 24.16% 51.64% 38.38% 2.37%
0.41 0.60 0.58 0.86 0.99 2.96 1.82 2.80 1.12 1.92 0.61 -3.44 -3.10
EPS in Rs 0.37 0.55 0.51 0.76 0.69 2.07 1.27 1.96 0.78 1.34 0.43 -2.41 -2.18
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 14.42% 9.65% 15.69% 7.65% 12.75% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: 19%
5 Years: -18%
3 Years: -27%
TTM: -34%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -31100%
Stock Price CAGR
10 Years: -3%
5 Years: -10%
3 Years: -4%
1 Year: 13%
Return on Equity
10 Years: 3%
5 Years: 2%
3 Years: -1%
Last Year: -8%

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 10.94 10.94 11.37 11.37 14.28 14.28 14.28 14.28 14.28 14.28 14.28 14.28 14.28
Reserves -0.26 0.33 6.28 7.14 16.99 19.61 18.33 20.80 24.83 29.64 30.33 26.92 27.08
0.08 0.00 5.00 13.21 14.13 155.75 191.67 170.06 170.62 125.77 91.00 56.86 52.63
4.61 4.61 0.22 0.81 1.22 3.08 12.44 17.37 1.47 3.54 3.56 5.94 7.34
Total Liabilities 15.37 15.88 22.87 32.53 46.62 192.72 236.72 222.51 211.20 173.23 139.17 104.00 101.33
0.07 0.29 0.15 0.09 0.17 1.05 0.90 0.69 0.54 0.67 0.44 0.29 0.70
CWIP 0.00 0.05 0.05 0.05 0.13 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Investments 0.91 0.80 2.28 0.00 2.49 4.00 9.01 0.00 0.00 0.00 0.00 0.00 0.00
14.39 14.74 20.39 32.39 43.83 187.67 226.81 221.82 210.66 172.56 138.73 103.71 100.63
Total Assets 15.37 15.88 22.87 32.53 46.62 192.72 236.72 222.51 211.20 173.23 139.17 104.00 101.33

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
-3.45 0.40 -3.64 -9.10 -9.42 -133.01 -55.43 10.69 7.67 40.53 34.82 30.94
-0.36 -0.13 -1.44 2.40 -2.41 -2.25 -6.36 9.18 -1.57 1.54 -0.32 3.24
3.79 -0.08 5.20 6.45 12.61 141.45 59.37 -21.95 -5.12 -44.85 -34.65 -34.05
Net Cash Flow -0.02 0.19 0.12 -0.24 0.79 6.19 -2.42 -2.08 0.98 -2.78 -0.15 0.13

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
ROE % 3.92% 5.47% 4.01% 4.76% 3.98% 9.09% 5.47% 8.24% 3.02% 4.62% 1.38% -7.97%

Shareholding Pattern

Numbers in percentages

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
35.71% 35.92% 36.21% 36.21% 36.29% 36.38% 36.38% 36.55% 36.55% 36.55% 37.92% 38.97%
24.57% 24.57% 24.57% 24.57% 24.57% 24.57% 24.57% 24.57% 24.57% 24.57% 24.57% 24.57%
39.72% 39.51% 39.22% 39.22% 39.14% 39.05% 39.04% 38.87% 38.88% 38.88% 37.50% 36.46%
No. of Shareholders 2,4422,7432,6942,6412,8352,7192,7352,9603,2363,5003,6493,678

* 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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