BSE:511533

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Sahara Housingfina

Executive Summary

Sahara Housingfina Corporation Limited provides housing finance to individuals and corporates for the purchase or construction of residential houses in India.


Snowflake Analysis

Overvalued with poor track record.


Similar Companies

Share Price & News

How has Sahara Housingfina's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: 511533 has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

-7.2%

511533

-1.2%

IN Mortgage

0.1%

IN Market


1 Year Return

-9.1%

511533

-24.3%

IN Mortgage

-6.1%

IN Market

Return vs Industry: 511533 exceeded the Indian Mortgage industry which returned -24.3% over the past year.

Return vs Market: 511533 underperformed the Indian Market which returned -6.1% over the past year.


Shareholder returns

511533IndustryMarket
7 Day-7.2%-1.2%0.1%
30 Day13.2%3.9%7.6%
90 Day15.0%13.5%19.4%
1 Year-9.1%-9.1%-22.7%-24.3%-4.3%-6.1%
3 Year-61.3%-61.3%-13.6%-17.2%-2.9%-7.5%
5 Year-31.0%-31.0%29.9%20.8%21.9%12.7%

Price Volatility Vs. Market

How volatile is Sahara Housingfina's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Sahara Housingfina undervalued compared to its fair value and its price relative to the market?

13.13x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate 511533's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate 511533's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: 511533 is poor value based on its PE Ratio (13.1x) compared to the IN Mortgage industry average (12.8x).

PE vs Market: 511533 is poor value based on its PE Ratio (13.1x) compared to the Indian market (12.5x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 511533's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: 511533 is good value based on its PB Ratio (0.5x) compared to the IN Mortgage industry average (0.6x).


Next Steps

Future Growth

How is Sahara Housingfina forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

7.1%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Sahara Housingfina has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Sahara Housingfina performed over the past 5 years?

-1.6%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 511533 has high quality earnings.

Growing Profit Margin: 511533's current net profit margins (20.2%) are lower than last year (25.6%).


Past Earnings Growth Analysis

Earnings Trend: 511533's earnings have declined by -1.6% per year over the past 5 years.

Accelerating Growth: 511533's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: 511533 had negative earnings growth (-28.1%) over the past year, making it difficult to compare to the Mortgage industry average (-28.1%).


Return on Equity

High ROE: 511533's Return on Equity (3.5%) is considered low.


Next Steps

Financial Health

How is Sahara Housingfina's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: 511533's Assets to Equity ratio (2.7x) is low.

Allowance for Bad Loans: Insufficient data to determine if 511533 has a sufficient allowance for bad loans.

Low Risk Liabilities: 511533 reports no customer deposits, 100% of its liabilities are made up of higher risk sources of funding.

Loan Level: Insufficient data to determine if 511533 has an appropriate level of Loans to Assets ratio.

Low Risk Deposits: 511533 reports no customer deposits, loans are made up entirely of externally borrowed funds.

Level of Bad Loans: Insufficient data to determine if 511533 has an appropriate level of bad loans.


Next Steps

Dividend

What is Sahara Housingfina current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate 511533's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate 511533's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 511533's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 511533's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of 511533's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

₹5m

CEO Compensation


CEO

Dhrubajyoti Bagchi (57yo)

no data

Tenure

₹4,502,910

Compensation

Mr. Dhrubajyoti Jnandas Bagchi, FCS, LLB, serves as the Chief Executive Officer and Company Secretary at Sahara Housingfina Corporation Limited. Mr. Bagchi served as Manager and Compliance Officer of Sahar ...


CEO Compensation Analysis

Compensation vs Market: Dhrubajyoti's total compensation ($USD59.92K) is about average for companies of similar size in the Indian market ($USD49.95K).

Compensation vs Earnings: Dhrubajyoti's compensation has been consistent with company performance over the past year.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Sahara Housingfina Corporation Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Sahara Housingfina Corporation Limited
  • Ticker: 511533
  • Exchange: BSE
  • Founded: 1991
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: ₹212.800m
  • Shares outstanding: 7.00m
  • Website: https://www.saharahousingfina.com

Number of Employees


Location

  • Sahara Housingfina Corporation Limited
  • 46, Dr. Sundari Mohan Avenue
  • Kolkata
  • West Bengal
  • 700014
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
511533BSE (Mumbai Stock Exchange)YesEquity SharesININRFeb 2001

Biography

Sahara Housingfina Corporation Limited provides housing finance to individuals and corporates for the purchase or construction of residential houses in India. The company was formerly known as Livewell Home Finance Limited and changed its name to Sahara Housingfina Corporation Limited in January 2005. Sahara Housingfina Corporation Limited was incorporated in 1991 and is based in Kolkata, India. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/07/14 12:44
End of Day Share Price2020/07/14 00:00
Earnings2019/12/31
Annual Earnings2019/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.