Header cover image

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?

DateMarket CapRevenueEarningsPEAbsolute PEPS
Tue, 20 May 2025₹2.7t₹349.6b₹139.4b24.7x19.1x7.6x
Thu, 17 Apr 2025₹2.6t₹338.7b₹133.4b26x19.8x7.8x
Sat, 15 Mar 2025₹2.3t₹338.7b₹133.4b23.4x17.4x6.9x
Mon, 10 Feb 2025₹2.4t₹343.5b₹143.6b21.6x17x7.1x
Wed, 08 Jan 2025₹2.5t₹329.0b₹136.8b21.9x18.1x7.5x
Fri, 06 Dec 2024₹2.8t₹329.0b₹136.8b22.7x20.3x8.4x
Sun, 03 Nov 2024₹2.9t₹354.4b₹148.3b23.7x19.3x8.1x
Tue, 01 Oct 2024₹3.1t₹345.6b₹144.6b23.4x21.2x8.9x
Thu, 29 Aug 2024₹1.7t₹265.5b₹127.1b20.5x13x6.2x
Sat, 27 Jul 2024₹1.7t₹259.5b₹127.0b24x13.7x6.7x
Mon, 24 Jun 2024₹1.7t₹253.6b₹125.6b21.1x13.7x6.8x
Wed, 22 May 2024₹1.5t₹251.5b₹124.4b20.8x12.1x6x
Fri, 19 Apr 2024₹1.4t₹250.9b₹116.1b18.2x11.8x5.4x
Sun, 17 Mar 2024₹1.3t₹250.9b₹116.1b18.2x10.8x5x
Tue, 13 Feb 2024₹1.4t₹251.9b₹115.8b23.1x12.1x5.6x
Thu, 11 Jan 2024₹1.4t₹239.5b₹106.1b26.7x13.2x5.9x
Sat, 09 Dec 2023₹1.3t₹234.8b₹104.1b20.7x12.7x5.6x
Mon, 06 Nov 2023₹1.2t₹234.5b₹104.0b20.2x11.7x5.2x
Wed, 04 Oct 2023₹1.2t₹217.8b₹92.5b22.4x13.2x5.6x
Fri, 01 Sep 2023₹1.2t₹217.8b₹92.5b20.5x12.7x5.4x
Sun, 30 Jul 2023₹1.1t₹222.8b₹88.2b21.3x12.7x5x
Tue, 27 Jun 2023₹1.0t₹205.4b₹85.7b20x12x5x
Thu, 25 May 2023₹954.0b₹206.1b₹85.7b17x11.1x4.6x
Sat, 22 Apr 2023₹870.9b₹202.6b₹82.5b15.9x10.6x4.3x
Mon, 20 Mar 2023₹882.7b₹202.6b₹82.5b15.3x10.7x4.4x
Wed, 15 Feb 2023₹973.6b₹202.2b₹82.6b16.3x11.8x4.8x
Fri, 13 Jan 2023₹1.0t₹194.0b₹83.4b15.9x12.1x5.2x
Sun, 11 Dec 2022₹1.0t₹194.0b₹83.4b16.3x12x5.2x
Tue, 08 Nov 2022₹951.2b₹187.8b₹82.9b15.6x11.5x5.1x
Thu, 06 Oct 2022₹972.0b₹181.9b₹80.7b16.9x12x5.3x
Sat, 03 Sep 2022₹1.0t₹181.9b₹80.7b18x12.6x5.6x
Mon, 01 Aug 2022₹5.3t₹1.2t₹300.7b17.9x17.5x4.5x
Wed, 29 Jun 2022₹4.8t₹1.2t₹296.4b14.3x16.1x3.9x
Fri, 27 May 2022₹4.9t₹1.2t₹296.4b18x16.7x4x
Price to Earnings Ratio

16.7x


Total Market Cap: ₹4.9tTotal Earnings: ₹296.4bTotal Revenue: ₹1.2tTotal Market Cap vs Earnings and Revenue0%0%0%
Indian Thrifts and Mortgage Finance Industry Price to Earnings3Y Average 14x202320242025
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 Market6.26%
Financials5.84%
Mortgage Finance0%0
Thrifts and Mortgage Finance5.75%
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?

CompanyLast Price7D1YValuation
BAJAJHFL Bajaj Housing Finance₹126.234.5%
+₹44.9b
n/aPE48.6x
IIFL IIFL Finance₹413.006.4%
+₹10.6b
2.9%PE46.3x
SAMMAANCAP Sammaan Capital₹126.305.2%
+₹5.2b
-22.4%PB0.5x
HOMEFIRST Home First Finance Company India₹1.21k3.2%
+₹3.8b
43.5%PE32.6x
APTUS Aptus Value Housing Finance India₹329.902.4%
+₹3.8b
4.4%PE21.9x
Simply Wall Street Pty Ltd (ACN 600 056 611), is a Corporate Authorised Representative (Authorised Representative Number: 467183) of Sanlam Private Wealth Pty Ltd (AFSL No. 337927). Any advice contained in this website is general advice only and has been prepared without considering your objectives, financial situation or needs. You should not rely on any advice and/or information contained in this website and before making any investment decision we recommend that you consider whether it is appropriate for your situation and seek appropriate financial, taxation and legal advice. Please read our Financial Services Guide before deciding whether to obtain financial services from us.

Latest News

GICHSGFIN

₹183.94

GIC Housing Finance

7D

1.6%

1Y

-14.8%

SAMMAANCAP

₹126.30

Sammaan Capital

7D

5.2%

1Y

-22.4%

APTUS

₹329.90

Aptus Value Housing Finance India

7D

2.4%

1Y

4.4%

HOMEFIRST

₹1,207.40

Home First Finance Company India

7D

3.2%

1Y

43.5%

PNBHOUSING

₹1,054.90

PNB Housing Finance

7D

-1.5%

1Y

41.2%

AAVAS

₹1,789.60

Aavas Financiers

7D

-4.5%

1Y

13.2%

BAJAJHFL

₹126.23

Bajaj Housing Finance

7D

4.5%

1Y

n/a

511196

₹744.90

Can Fin Homes

7D

2.3%

1Y

-1.8%

511533

₹41.04

Sahara Housingfina

7D

-0.2%

1Y

14.1%