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5309

India Home Loan BSE:530979 Stock Report

Last Price

₹34.15

Market Cap

₹484.9m

7D

-0.7%

1Y

-11.5%

Updated

26 Sep, 2022

Data

Company Financials
530979 fundamental analysis
Snowflake Score
Valuation1/6
Future Growth0/6
Past Performance4/6
Financial Health1/6
Dividends0/6

530979 Stock Overview

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

India Home Loan Competitors

Price History & Performance

Summary of all time highs, changes and price drops for India Home Loan
Historical stock prices
Current Share Price₹34.15
52 Week High₹46.50
52 Week Low₹27.70
Beta0.48
1 Month Change4.28%
3 Month Change0.59%
1 Year Change-11.53%
3 Year Change-32.18%
5 Year Change-73.68%
Change since IPO928.61%

Recent News & Updates

Shareholder Returns

530979IN MortgageIN Market
7D-0.7%-3.7%-1.1%
1Y-11.5%-10.0%0.5%

Return vs Industry: 530979 underperformed the Indian Mortgage industry which returned -10% over the past year.

Return vs Market: 530979 underperformed the Indian Market which returned 0.5% over the past year.

Price Volatility

Is 530979's price volatile compared to industry and market?
530979 volatility
530979 Average Weekly Movement6.5%
Mortgage Industry Average Movement5.1%
Market Average Movement5.8%
10% most volatile stocks in IN Market9.1%
10% least volatile stocks in IN Market3.7%

Stable Share Price: 530979 is not significantly more volatile than the rest of Indian stocks over the past 3 months, typically moving +/- 7% a week.

Volatility Over Time: 530979's weekly volatility (7%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
199055Mahesh Pujarahttps://www.indiahomeloan.co.in

India Home Loan Limited operates as a housing finance company in India. It offers home loans to individuals for purchase, construction, extension, renovation, and improvement; loans against the 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 Fundamentals Summary

How do India Home Loan's earnings and revenue compare to its market cap?
530979 fundamental statistics
Market Cap₹484.87m
Earnings (TTM)₹19.16m
Revenue (TTM)₹119.23m

25.5x

P/E Ratio

1.1x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
530979 income statement (TTM)
Revenue₹119.23m
Cost of Revenue₹1.53m
Gross Profit₹117.70m
Other Expenses₹98.54m
Earnings₹19.16m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

Nov 14, 2022

Earnings per share (EPS)1.34
Gross Margin98.71%
Net Profit Margin16.06%
Debt/Equity Ratio285.7%

How did 530979 perform over the long term?

See historical performance and comparison
We’ve recently updated our valuation analysis.

Valuation

Is 530979 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 530979?

Other financial metrics that can be useful for relative valuation.

530979 key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Earnings Ratio vs Peers

How does 530979's PE Ratio compare to its peers?

530979 PE Ratio vs Peers
The above table shows the PE ratio for 530979 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average31.2x
511533 Sahara Housingfina
19.5xn/a₹365.4m
539017 Star Housing Finance
89.1xn/a₹3.2b
511676 GIC Housing Finance
3.2xn/a₹7.1b
511196 Can Fin Homes
12.1xn/a₹68.9b
530979 India Home Loan
25.5xn/a₹484.9m

Price-To-Earnings vs Peers: 530979 is good value based on its Price-To-Earnings Ratio (25.5x) compared to the peer average (31.2x).


Price to Earnings Ratio vs Industry

How does 530979's PE Ratio compare vs other companies in the Asian Mortgage Industry?

Price-To-Earnings vs Industry: 530979 is expensive based on its Price-To-Earnings Ratio (25.5x) compared to the Asian Mortgage industry average (11.4x)


Price to Earnings Ratio vs Fair Ratio

What is 530979's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

530979 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio25.5x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate 530979's Price-To-Earnings Fair Ratio for valuation analysis.


Share Price vs Fair Value

What is the Fair Price of 530979 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate 530979's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate 530979's fair value for valuation analysis.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.


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Future Growth

How is India Home Loan forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


16.7%

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.


Discover growth companies

Past Performance

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

Past Performance Score

4/6

Past Performance Score 4/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-2.4%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: 530979 has high quality earnings.

Growing Profit Margin: 530979's current net profit margins (16.1%) are higher than last year (13.5%).


Past Earnings Growth Analysis

Earnings Trend: 530979's earnings have declined by 2.4% per year over the past 5 years.

Accelerating Growth: 530979's earnings growth over the past year (70.7%) exceeds its 5-year average (-2.4% per year).

Earnings vs Industry: 530979 earnings growth over the past year (70.7%) exceeded the Mortgage industry 28.6%.


Return on Equity

High ROE: 530979's Return on Equity (4.4%) is considered low.


Discover strong past performing companies

Financial Health

How is India Home Loan's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

1/6

Financial Health Score 1/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: 530979's Assets to Equity ratio (3.9x) 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.


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Dividend

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

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage

Dividend Yield vs Market

Notable Dividend: Unable to evaluate 530979's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate 530979'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 530979's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 530979's dividend payments have been increasing.


Current Payout to Shareholders

Earnings Coverage: 530979 is not paying a notable dividend for the Indian market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of 530979's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Discover strong dividend paying companies

Management

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

0.7yrs

Average management tenure


CEO

Mahesh Pujara (67 yo)

14.08yrs

Tenure

₹4,979,464

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 leads the business operations of IHLL in Gujarat and provides...


CEO Compensation Analysis

Compensation vs Market: Mahesh's total compensation ($USD61.38K) is above average for companies of similar size in the Indian market ($USD40.31K).

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


Leadership Team

Experienced Management: 530979's management team is not considered experienced ( 0.7 years average tenure), which suggests a new team.


Board Members

Experienced Board: 530979's board of directors are considered experienced (5.2 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

What is the ownership structure of 530979?
Owner TypeNumber of SharesOwnership Percentage
General Public2,657,08218.6%
VC/PE Firms3,499,03024.5%
Individual Insiders8,125,64356.9%

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


Top Shareholders

Top 10 shareholders own 81.4% of the company
OwnershipNameSharesCurrent ValueChange %Portfolio %
24.5%
JM Financial Investment Managers Limited
3,499,030₹119.5m0%11.44%
13.92%
Mahesh Pujara
1,987,734₹67.9m2.11%no data
12.83%
Ashokbhai Patel
1,832,810₹62.6m0%no data
9.46%
Mitesh Pujara
1,351,041₹46.1m0%no data
7.49%
Sonal Shah
1,070,000₹36.5m0%no data
3.75%
Chetan Shah
535,835₹18.3m0%no data
3.75%
Shailaja Shah
535,000₹18.3m0%no data
2.65%
Rishabh Siroya
378,223₹12.9m0%no data
1.75%
Parul Patel
250,000₹8.5m0%no data
1.3%
Subhash Patel
185,000₹6.3m0%no data

Company Information

India Home Loan Limited's 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
  • Implied Market Cap: ₹484.866m
  • Shares outstanding: 14.28m
  • Website: https://www.indiahomeloan.co.in

Number of Employees


Location

  • India Home Loan Limited
  • 504-504A, Nirmal Ecstasy
  • 5th Floor
  • Mumbai
  • Maharashtra
  • 400080
  • India


Listings

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

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/09/26 00:00
End of Day Share Price2022/09/26 00:00
Earnings2022/03/31
Annual Earnings2022/03/31


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.