BSE:530979

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India Home Loan

Executive Summary

India Home Loan Limited operates as a housing finance company in India.


Snowflake Analysis

Questionable track record with worrying balance sheet.


Similar Companies

Share Price & News

How has India Home Loan's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: 530979 has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

-5.4%

530979

-1.2%

IN Mortgage

0.1%

IN Market


1 Year Return

-45.5%

530979

-24.3%

IN Mortgage

-6.1%

IN Market

Return vs Industry: 530979 underperformed the Indian Mortgage industry which returned -24.3% over the past year.

Return vs Market: 530979 underperformed the Indian Market which returned -6.1% over the past year.


Shareholder returns

530979IndustryMarket
7 Day-5.4%-1.2%0.1%
30 Day13.1%3.9%7.6%
90 Day5.3%13.5%19.4%
1 Year-45.3%-45.5%-22.7%-24.3%-4.3%-6.1%
3 Year-70.7%-70.9%-13.6%-17.2%-2.9%-7.5%
5 Year-18.3%-18.9%29.9%20.8%21.9%12.7%

Price Volatility Vs. Market

How volatile is India Home Loan's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is India Home Loan undervalued compared to its fair value and its price relative to the market?

26.94x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate 530979's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate 530979's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: 530979 is poor value based on its PE Ratio (26.9x) compared to the IN Mortgage industry average (12.8x).

PE vs Market: 530979 is poor value based on its PE Ratio (26.9x) compared to the Indian market (12.5x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 530979's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: 530979 is overvalued based on its PB Ratio (1.3x) compared to the IN Mortgage industry average (0.6x).


Next Steps

Future Growth

How is India Home Loan 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 India Home Loan 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 India Home Loan performed over the past 5 years?

30.2%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 530979 has high quality earnings.

Growing Profit Margin: 530979's current net profit margins (17.4%) are lower than last year (27.1%).


Past Earnings Growth Analysis

Earnings Trend: 530979's earnings have grown significantly by 30.2% per year over the past 5 years.

Accelerating Growth: 530979's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: 530979 had negative earnings growth (-38.8%) over the past year, making it difficult to compare to the Mortgage industry average (-28.1%).


Return on Equity

High ROE: 530979's Return on Equity (5.2%) is considered low.


Next Steps

Financial Health

How is India Home Loan'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: 530979's Assets to Equity ratio (6.5x) is low.

Allowance for Bad Loans: Insufficient data to determine if 530979 has a sufficient allowance for bad loans.

Low Risk Liabilities: 530979 reports no customer deposits, 100% of its liabilities are made up of higher risk sources of funding.

Loan Level: Insufficient data to determine if 530979 has an appropriate level of Loans to Assets ratio.

Low Risk Deposits: 530979 reports no customer deposits, loans are made up entirely of externally borrowed funds.

Level of Bad Loans: Insufficient data to determine if 530979 has an appropriate level of bad loans.


Next Steps

Dividend

What is India Home Loan current dividend yield, its reliability and sustainability?

0.57%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: 530979's dividend (0.57%) isn’t notable compared to the bottom 25% of dividend payers in the Indian market (0.68%).

High Dividend: 530979's dividend (0.57%) is low compared to the top 25% of dividend payers in the Indian market (2.75%).


Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, 530979 has been paying a dividend for less than 10 years.

Growing Dividend: 530979's dividend payments have increased, but the company has only paid a dividend for 3 years.


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (15.4%), 530979's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

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

0.6yrs

Average management tenure


CEO

Mahesh Pujara (65yo)

11.92yrs

Tenure

₹4,058,520

Compensation

Mr. Mahesh Narshibhai Pujara has been Managing Director of India Home Loan Limited since August 21, 2008 and served as its Chairman. Mr. Pujara has been Director of India Home Loans Limited since AUgust 21 ...


CEO Compensation Analysis

Compensation vs Market: Mahesh's total compensation ($USD54.01K) is about average for companies of similar size in the Indian market ($USD49.95K).

Compensation vs Earnings: Mahesh's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.


Leadership Team

NamePositionTenureCompensationOwnership
Mahesh Pujara
MD & Director11.92yrs₹4.06m13.46% 68.6m
Mitesh Pujara
Whole Time Director11.92yrs₹3.49m9.25% 47.2m
Abhishek Agrawal
Chief Financial Officer0.25yrno datano data
B. Keswani
Chief Accountantno datano datano data
Ayushi Thakuriya
Company Secretary & Compliance Officer0.58yrno datano data

0.6yrs

Average Tenure

Experienced Management: 530979's management team is not considered experienced ( 0.6 years average tenure), which suggests a new team.


Board Members

NamePositionTenureCompensationOwnership
Mahesh Pujara
MD & Director11.92yrs₹4.06m13.46% 68.6m
Mitesh Pujara
Whole Time Director11.92yrs₹3.49m9.25% 47.2m
Ramesh Bhujang
Additional Independent Director0.50yrno datano data
Siddharth Kothari
Non-Executive & Nominee Director3.58yrsno datano data
Vinit Rai
Non-Executive & Nominee Director3.58yrsno datano data
Harshita Jagwani
Non-Executive & Independent Women Director3.25yrs₹35.00kno data
Govinder Singh
Independent Chairmanno data₹65.00kno data
Shakuntala Merchant
Independent Director1.83yrs₹15.00kno data

3.6yrs

Average Tenure

64.5yo

Average Age

Experienced Board: 530979's board of directors are considered experienced (3.6 years average tenure).


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

India Home Loan Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: India Home Loan Limited
  • Ticker: 530979
  • Exchange: BSE
  • Founded: 1990
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: ₹509.859m
  • Shares outstanding: 14.28m
  • Website: https://www.indiahomeloan.co.in

Number of Employees


Location

  • India Home Loan Limited
  • 504, Nirmal Ecstasy
  • 6th Floor
  • Mumbai
  • Maharashtra
  • 400080
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
530979BSE (Mumbai Stock Exchange)YesEquity SharesININRMay 2005

Biography

India Home Loan Limited operates as a housing finance company in India. It offers home loans to individuals for purchase, construction, extension, and renovation; loan against existing self-occupied residential property; and project finance. The company was formerly known as India Home Loans Limited and changed its name to India Home Loan Limited in November 2012. India Home Loan Limited was incorporated in 1990 and is based in Mumbai, 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 12:45
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.