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5357

Indiabulls Housing Finance BSE:535789 Stock Report

Last Price

₹116.75

Market Cap

₹52.4b

7D

0.4%

1Y

-48.3%

Updated

26 May, 2022

Data

Company Financials +
535789 fundamental analysis
Snowflake Score
Valuation3/6
Future Growth2/6
Past Performance2/6
Financial Health1/6
Dividends4/6

535789 Stock Overview

Indiabulls Housing Finance Limited, together with its subsidiaries, operates as a housing finance company.

Indiabulls Housing Finance Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Indiabulls Housing Finance
Historical stock prices
Current Share Price₹116.75
52 Week High₹313.50
52 Week Low₹106.15
Beta1.53
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

535789IN MortgageIN Market
7D0.4%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

Is 535789's price volatile compared to industry and market?
535789 volatility
535789 Average Weekly Movement9.3%
Mortgage Industry Average Movement5.9%
Market Average Movement6.8%
10% most volatile stocks in IN Market9.6%
10% least volatile stocks in IN Market4.5%

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

FoundedEmployeesCEOWebsite
20004,196Gagan Bangahttps://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

How do Indiabulls Housing Finance's earnings and revenue compare to its market cap?
535789 fundamental statistics
Market Cap₹52.37b
Earnings (TTM)₹11.78b
Revenue (TTM)₹22.78b

4.4x

P/E Ratio

0.3x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
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 Margin100.00%
Net Profit Margin51.70%
Debt/Equity Ratio368.7%

How did 535789 perform over the long term?

See historical performance and comparison

Dividends

7.7%

Current Dividend Yield

34%

Payout Ratio

Valuation

Is Indiabulls Housing Finance undervalued compared to its fair value and its price relative to the market?

Valuation Score

3/6

Valuation 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

2/6

Future 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

2/6

Past 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

1/6

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: 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

4/6

Dividend 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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/05/26 00:00
End of Day Share Price2022/05/26 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.