| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 2/6 |
| Past Performance | 2/6 |
| Financial Health | 1/6 |
| Dividends | 4/6 |
535789 Stock Overview
Indiabulls Housing Finance Limited, together with its subsidiaries, operates as a housing finance company.
Indiabulls Housing Finance Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | ₹116.75 |
| 52 Week High | ₹313.50 |
| 52 Week Low | ₹106.15 |
| Beta | 1.53 |
| 1 Month Change | -27.93% |
| 3 Month Change | -21.35% |
| 1 Year Change | -48.26% |
| 3 Year Change | -84.92% |
| 5 Year Change | -89.77% |
| Change since IPO | -58.80% |
Recent News & Updates
Shareholder Returns
| 535789 | IN Mortgage | IN Market | |
|---|---|---|---|
| 7D | 0.4% | 1.6% | -3.1% |
| 1Y | -48.3% | -12.7% | 5.6% |
Return vs Industry: 535789 underperformed the Indian Mortgage industry which returned -12.7% over the past year.
Return vs Market: 535789 underperformed the Indian Market which returned 5.6% over the past year.
Price Volatility
| 535789 volatility | |
|---|---|
| 535789 Average Weekly Movement | 9.3% |
| Mortgage Industry Average Movement | 5.9% |
| Market Average Movement | 6.8% |
| 10% most volatile stocks in IN Market | 9.6% |
| 10% least volatile stocks in IN Market | 4.5% |
Stable Share Price: 535789 is more volatile than 75% of Indian stocks over the past 3 months, typically moving +/- 9% a week.
Volatility Over Time: 535789's weekly volatility (9%) has been stable over the past year, but is still higher than 75% of Indian stocks.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2000 | 4,196 | Gagan Banga | https://www.indiabullshomeloans.com |
Indiabulls Housing Finance Limited, together with its subsidiaries, operates as a housing finance company. The company offers home loans, home loan balance transfer, MSME loans, loan against property, NRI home loan, home renovation and extension loans, and rural home loans, as well as credit linked subsidy and emergency credit line guarantee schemes. It serves co-operative society, association of persons, individuals, companies, institutions, firms, builders, developers, contractors, tenants, and others.
Indiabulls Housing Finance Fundamentals Summary
| 535789 fundamental statistics | |
|---|---|
| Market Cap | ₹52.37b |
| Earnings (TTM) | ₹11.78b |
| Revenue (TTM) | ₹22.78b |
4.4x
P/E Ratio0.3x
P/B RatioIs 535789 overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| 535789 income statement (TTM) | |
|---|---|
| Revenue | ₹22.78b |
| Cost of Revenue | ₹0 |
| Gross Profit | ₹22.78b |
| Other Expenses | ₹11.00b |
| Earnings | ₹11.78b |
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
n/a
| Earnings per share (EPS) | 26.25 |
| Gross Margin | 100.00% |
| Net Profit Margin | 51.70% |
| Debt/Equity Ratio | 368.7% |
How did 535789 perform over the long term?
See historical performance and comparisonDividends
7.7%
Current Dividend Yield34%
Payout RatioValuation
Is Indiabulls Housing Finance undervalued compared to its fair value and its price relative to the market?
Valuation Score
3/6Valuation Score 3/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PEG Ratio
PB vs Industry
4.45x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: 535789 (₹116.75) is trading above our estimate of fair value (₹72.38)
Significantly Below Fair Value: 535789 is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: 535789 is good value based on its Price-To-Earnings Ratio (4.4x) compared to the Indian Mortgage industry average (18x).
PE vs Market: 535789 is good value based on its Price-To-Earnings Ratio (4.4x) compared to the Indian market (19.4x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate 535789's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: 535789 is good value based on its Price-To-Book Ratio (0.3x) compared to the IN Mortgage industry average (1.7x).
Future Growth
How is Indiabulls Housing Finance forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Future Growth Score
2/6Future Growth Score 2/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
23.4%
Forecasted annual revenue growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: Insufficient data to determine if 535789's forecast earnings growth is above the savings rate (6.7%).
Earnings vs Market: Insufficient data to determine if 535789's earnings are forecast to grow faster than the Indian market
High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: 535789's revenue (23.4% per year) is forecast to grow faster than the Indian market (12% per year).
High Growth Revenue: 535789's revenue (23.4% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 535789's Return on Equity is forecast to be low in 3 years time (9.6%).
Past Performance
How has Indiabulls Housing Finance performed over the past 5 years?
Past Performance Score
2/6Past Performance Score 2/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
-24.1%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 535789 has high quality earnings.
Growing Profit Margin: 535789's current net profit margins (51.7%) are higher than last year (49.5%).
Past Earnings Growth Analysis
Earnings Trend: 535789's earnings have declined by 24.1% per year over the past 5 years.
Accelerating Growth: 535789's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: 535789 had negative earnings growth (-2%) over the past year, making it difficult to compare to the Mortgage industry average (11.9%).
Return on Equity
High ROE: 535789's Return on Equity (7.1%) is considered low.
Financial Health
How is Indiabulls Housing Finance's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score
1/6Financial 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: 535789's Assets to Equity ratio (4.9x) is low.
Allowance for Bad Loans: Insufficient data to determine if 535789 has a sufficient allowance for bad loans.
Low Risk Liabilities: 535789 reports no customer deposits, 100% of its liabilities are made up of higher risk sources of funding.
Loan Level: Insufficient data to determine if 535789 has an appropriate level of Loans to Assets ratio.
Low Risk Deposits: 535789 reports no customer deposits, loans are made up entirely of externally borrowed funds.
Level of Bad Loans: Insufficient data to determine if 535789 has an appropriate level of bad loans.
Dividend
What is Indiabulls Housing Finance current dividend yield, its reliability and sustainability?
Dividend Score
4/6Dividend Score 4/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
7.71%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: 535789's dividend (7.71%) is higher than the bottom 25% of dividend payers in the Indian market (0.39%).
High Dividend: 535789's dividend (7.71%) is in the top 25% of dividend payers in the Indian market (1.72%)
Stability and Growth of Payments
Stable Dividend: 535789 has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: 535789 has only been paying a dividend for 8 years, and since then payments have fallen.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (34.1%), 535789's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: 535789's dividends in 3 years are forecast to be well covered by earnings (33.9% payout ratio).
Discover strong dividend paying companies
Management
How experienced are the management team and are they aligned to shareholders interests?
5.8yrs
Average management tenure
CEO
Gagan Banga (46 yo)
no data
Tenure
₹40,400,000
Compensation
Mr. Gagan Banga is the Vice Chairman, Managing Director & Chief Executive Officer of Indiabulls Housing Finance Limited (“Indiabulls”). Mr. Banga serves as Non-Executive Director at Dhani Loans and Service...
CEO Compensation Analysis
Compensation vs Market: Gagan's total compensation ($USD520.90K) is above average for companies of similar size in the Indian market ($USD339.32K).
Compensation vs Earnings: Gagan's compensation has been consistent with company performance over the past year.
Leadership Team
Experienced Management: 535789's management team is seasoned and experienced (5.8 years average tenure).
Board Members
Experienced Board: 535789's board of directors are considered experienced (4.7 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: 535789 insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Indiabulls Housing Finance Limited's employee growth, exchange listings and data sources
Key Information
- Name: Indiabulls Housing Finance Limited
- Ticker: 535789
- Exchange: BSE
- Founded: 2000
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Implied Market Cap: ₹52.374b
- Shares outstanding: 448.60m
- Website: https://www.indiabullshomeloans.com
Number of Employees
Location
- Indiabulls Housing Finance Limited
- Indiabulls House
- Phase V
- Gurugram
- Haryana
- 122016
- India
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/05/26 00:00 |
| End of Day Share Price | 2022/05/26 00:00 |
| Earnings | 2022/03/31 |
| Annual Earnings | 2022/03/31 |
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.