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Indian (NIFTY) Thrifts and Mortgage Finance Industry Analysis
UpdatedMay 19, 2025
DataAggregated Company Financials
Companies16
- 7D5.8%
- 3M17.0%
- 1Y11.5%
- YTDn/a
Over the last 7 days, the Thrifts and Mortgage Finance industry has dropped 4.6%, driven by a pullback from Bajaj Housing Finance of 2.4%. On the other hand PNB Housing Finance is actually up 8.3%. As for the longer term, the industry's performance has been flat for the past year. Looking forward, earnings are forecast to grow by 18% annually.
Industry Valuation and Performance
Has the Indian Thrifts and Mortgage Finance Industry valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Tue, 20 May 2025 | ₹2.7t | ₹349.6b | ₹139.4b | 24.7x | 19.1x | 7.6x |
| Thu, 17 Apr 2025 | ₹2.6t | ₹338.7b | ₹133.4b | 26x | 19.8x | 7.8x |
| Sat, 15 Mar 2025 | ₹2.3t | ₹338.7b | ₹133.4b | 23.4x | 17.4x | 6.9x |
| Mon, 10 Feb 2025 | ₹2.4t | ₹343.5b | ₹143.6b | 21.6x | 17x | 7.1x |
| Wed, 08 Jan 2025 | ₹2.5t | ₹329.0b | ₹136.8b | 21.9x | 18.1x | 7.5x |
| Fri, 06 Dec 2024 | ₹2.8t | ₹329.0b | ₹136.8b | 22.7x | 20.3x | 8.4x |
| Sun, 03 Nov 2024 | ₹2.9t | ₹354.4b | ₹148.3b | 23.7x | 19.3x | 8.1x |
| Tue, 01 Oct 2024 | ₹3.1t | ₹345.6b | ₹144.6b | 23.4x | 21.2x | 8.9x |
| Thu, 29 Aug 2024 | ₹1.7t | ₹265.5b | ₹127.1b | 20.5x | 13x | 6.2x |
| Sat, 27 Jul 2024 | ₹1.7t | ₹259.5b | ₹127.0b | 24x | 13.7x | 6.7x |
| Mon, 24 Jun 2024 | ₹1.7t | ₹253.6b | ₹125.6b | 21.1x | 13.7x | 6.8x |
| Wed, 22 May 2024 | ₹1.5t | ₹251.5b | ₹124.4b | 20.8x | 12.1x | 6x |
| Fri, 19 Apr 2024 | ₹1.4t | ₹250.9b | ₹116.1b | 18.2x | 11.8x | 5.4x |
| Sun, 17 Mar 2024 | ₹1.3t | ₹250.9b | ₹116.1b | 18.2x | 10.8x | 5x |
| Tue, 13 Feb 2024 | ₹1.4t | ₹251.9b | ₹115.8b | 23.1x | 12.1x | 5.6x |
| Thu, 11 Jan 2024 | ₹1.4t | ₹239.5b | ₹106.1b | 26.7x | 13.2x | 5.9x |
| Sat, 09 Dec 2023 | ₹1.3t | ₹234.8b | ₹104.1b | 20.7x | 12.7x | 5.6x |
| Mon, 06 Nov 2023 | ₹1.2t | ₹234.5b | ₹104.0b | 20.2x | 11.7x | 5.2x |
| Wed, 04 Oct 2023 | ₹1.2t | ₹217.8b | ₹92.5b | 22.4x | 13.2x | 5.6x |
| Fri, 01 Sep 2023 | ₹1.2t | ₹217.8b | ₹92.5b | 20.5x | 12.7x | 5.4x |
| Sun, 30 Jul 2023 | ₹1.1t | ₹222.8b | ₹88.2b | 21.3x | 12.7x | 5x |
| Tue, 27 Jun 2023 | ₹1.0t | ₹205.4b | ₹85.7b | 20x | 12x | 5x |
| Thu, 25 May 2023 | ₹954.0b | ₹206.1b | ₹85.7b | 17x | 11.1x | 4.6x |
| Sat, 22 Apr 2023 | ₹870.9b | ₹202.6b | ₹82.5b | 15.9x | 10.6x | 4.3x |
| Mon, 20 Mar 2023 | ₹882.7b | ₹202.6b | ₹82.5b | 15.3x | 10.7x | 4.4x |
| Wed, 15 Feb 2023 | ₹973.6b | ₹202.2b | ₹82.6b | 16.3x | 11.8x | 4.8x |
| Fri, 13 Jan 2023 | ₹1.0t | ₹194.0b | ₹83.4b | 15.9x | 12.1x | 5.2x |
| Sun, 11 Dec 2022 | ₹1.0t | ₹194.0b | ₹83.4b | 16.3x | 12x | 5.2x |
| Tue, 08 Nov 2022 | ₹951.2b | ₹187.8b | ₹82.9b | 15.6x | 11.5x | 5.1x |
| Thu, 06 Oct 2022 | ₹972.0b | ₹181.9b | ₹80.7b | 16.9x | 12x | 5.3x |
| Sat, 03 Sep 2022 | ₹1.0t | ₹181.9b | ₹80.7b | 18x | 12.6x | 5.6x |
| Mon, 01 Aug 2022 | ₹5.3t | ₹1.2t | ₹300.7b | 17.9x | 17.5x | 4.5x |
| Wed, 29 Jun 2022 | ₹4.8t | ₹1.2t | ₹296.4b | 14.3x | 16.1x | 3.9x |
| Fri, 27 May 2022 | ₹4.9t | ₹1.2t | ₹296.4b | 18x | 16.7x | 4x |
Price to Earnings Ratio
16.7x
Current Industry PE
- Investors are optimistic on the Indian Thrifts and Mortgage Finance industry, and appear confident in long term growth rates.
- The industry is trading at a PE ratio of 19.0x which is higher than its 3-year average PE of 13.9x.
- The 3-year average PS ratio of 5.8x is lower than the industry's current PS ratio of 7.6x.
Past Earnings Growth
- The earnings for companies in the Thrifts and Mortgage Finance industry have declined 22% per year over the last three years,
- Revenues have also declined 35% per year.
- This means overall sales from these companies are declining and profits are subsequently falling as well.
Industry Comparison
How does Indian Thrifts and Mortgage Finance compare with similar industries?
| IN Market | 6.26% | |
| Financials | 5.84% | |
| Mortgage Finance | 0% | 0 |
| Thrifts and Mortgage Finance | 5.75% | |
Industry PEThere are no additional sub-industries under this industry.
Forecasted GrowthThere are no additional sub-industries under this industry.
Top Stock Gainers and Losers
Which companies have driven the market over the last 7 days?
| Company | Last Price | 7D | 1Y | Valuation | |
|---|---|---|---|---|---|
| BAJAJHFL Bajaj Housing Finance | ₹126.23 | 4.5% +₹44.9b | n/a | PE48.6x | |
| IIFL IIFL Finance | ₹413.00 | 6.4% +₹10.6b | 2.9% | PE46.3x | |
| SAMMAANCAP Sammaan Capital | ₹126.30 | 5.2% +₹5.2b | -22.4% | PB0.5x | |
| HOMEFIRST Home First Finance Company India | ₹1.21k | 3.2% +₹3.8b | 43.5% | PE32.6x | |
| APTUS Aptus Value Housing Finance India | ₹329.90 | 2.4% +₹3.8b | 4.4% | PE21.9x |
