BSE:523465

Stock Analysis Report

Executive Summary

Ind Bank Housing Limited provides housing finance in India.

Snowflake

Fundamentals

Poor track record with worrying balance sheet.

Risks

  • Ind Bank Housing has significant price volatility in the past 3 months.
  • Ind Bank Housing is not covered by any analysts.

Share Price & News

How has Ind Bank Housing's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-4.8%

BSE:523465

-1.8%

IN Consumer Finance

-0.7%

IN Market


1 Year Return

-23.0%

BSE:523465

0.5%

IN Consumer Finance

-12.1%

IN Market

523465 underperformed the Consumer Finance industry which returned 0.2% over the past year.

523465 underperformed the Market in India which returned -12.1% over the past year.


Share holder returns

523465IndustryMarket
7 Day-4.8%-1.8%-0.7%
30 Day-19.8%-4.1%-4.6%
90 Day-19.1%-1.2%-4.3%
1 Year-23.0%-23.0%1.1%0.5%-10.3%-12.1%
3 Year115.2%115.2%64.9%61.4%18.9%12.8%
5 Year229.6%229.6%246.0%229.7%37.6%24.7%

Price Volatility Vs. Market

How volatile is Ind Bank Housing's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Ind Bank Housing undervalued based on future cash flows and its price relative to the stock market?

170.3x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Ind Bank Housing to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Ind Bank Housing to establish if it is available at substantial discount.


Price Based on Earnings

Ind Bank Housing is overvalued based on earnings compared to the IN Consumer Finance industry average.

Ind Bank Housing is overvalued based on earnings compared to the India market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Ind Bank Housing, we can't assess if its growth is good value.


Price Based on Value of Assets

Ind Bank Housing has negative assets, we can't compare the value of its assets to the IN Consumer Finance industry average.


Next Steps

Future Growth

How is Ind Bank Housing expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

17.5%

Forecasted Consumer Finance 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 Ind Bank Housing 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

  • Ind Bank Housing competitive advantages and company strategy can generally be found in its financial reports archived here.
  • Explore growth companies in the diversified financials industry.

Past Performance

How has Ind Bank Housing performed over the past 5 years?

38.2%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Ind Bank Housing has delivered over 20% year on year earnings growth in the past 5 years.

Ind Bank Housing's 1-year earnings growth is negative, it can't be compared to the 5-year average.

Ind Bank Housing's 1-year earnings growth is negative, it can't be compared to the IN Consumer Finance industry average.


Return on Equity

It is difficult to establish if Ind Bank Housing has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) due to its liabilities exceeding its assets.


Return on Assets

Ind Bank Housing used its assets less efficiently than the IN Consumer Finance industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Ind Bank Housing improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Ind Bank Housing's financial position?


Financial Position Analysis

Ind Bank Housing is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

Ind Bank Housing's long term commitments exceed its cash and other short term assets.


Debt to Equity History and Analysis

Ind Bank Housing has negative shareholder equity (liabilities exceed assets), this is a more serious situation compared with a high debt level.

Irrelevant to check if Ind Bank Housing's debt level has increased considering it has negative shareholder equity.

Operating cash flow is negative therefore debt is not well covered.

Unable to confirm if the interest payments on Ind Bank Housing's debt are well covered by earnings due to lack of past financial data.


Balance Sheet

Low level of unsold assets.

Ind Bank Housing has negative shareholder equity (liabilities exceed assets) therefore debt is not covered by short term assets.


Next Steps

Dividend

What is Ind Bank Housing's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Ind Bank Housing's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Ind Bank Housing's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Ind Bank Housing has not reported any payouts.

Unable to verify if Ind Bank Housing's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Ind Bank Housing has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Ind Bank Housing's salary, the management and board of directors tenure and is there insider trading?

2.0yrs

Average board tenure


CEO

P. L. V. K. Sai (58yo)

1.0yrs

Tenure

Mr. P. L. V. K. Sesha Sai has been the President and Whole Time Director of Indbank Merchant Banking Services Ltd. since August 6, 2018. Mr. Sai has been Managing Director and Director at Ind Bank Housing  ...


Board Age and Tenure

2.0yrs

Average Tenure

58.5yo

Average Age

The average tenure for the Ind Bank Housing board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • B. Samarapuri

    Chief Financial Officer

  • Soubhagya Mohakhud

    Company Secretary & Compliance Officer

    • Tenure: 0.9yrs
  • P. L. V. K. Sai (58yo)

    MD & Director

    • Tenure: 1.0yrs

Board Members

  • Tirupathur Chandrasekaran (73yo)

    Independent Director

    • Tenure: 4.9yrs
    • Compensation: 56.00k
  • M. Natarajan (79yo)

    Non-Executive Independent Director

    • Tenure: 9.3yrs
    • Compensation: 69.00k
  • P. Krishnan (58yo)

    Director

    • Tenure: 2.1yrs
  • Rakesh Sethi

    Independent Director

    • Tenure: 2.6yrs
    • Compensation: 34.00k
  • S. Thangaraju

    Director

    • Tenure: 2.0yrs
  • S. Rajeshwari (59yo)

    Additional Independent Woman Director

    • Tenure: 1.8yrs
    • Compensation: 10.00k
  • P. L. V. K. Sai (58yo)

    MD & Director

    • Tenure: 1.0yrs
  • Shenoy Vittal (57yo)

    Additional Director

    • Tenure: 0.5yrs

Company Information

Ind Bank Housing Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Ind Bank Housing Limited
  • Ticker: 523465
  • Exchange: BSE
  • Founded: 1991
  • Industry: consumer finance
  • Sector: diversified financials
  • Market Cap: ₹247.500m
  • Shares outstanding: 10.00m
  • Website: Click here

Number of Employees


Location

  • Ind Bank Housing Limited
  • Khivraj Complex 1
  • III Floor
  • Chennai
  • Tamil Nadu
  • 600035
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
523465BSE (Mumbai Stock Exchange)YesEquity SharesININRMay 2005

Biography

Ind Bank Housing Limited provides housing finance in India. The company was founded in 1991 and is based in Chennai, India. Ind Bank Housing Limited is a subsidiary of Indian Bank. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/17 12:33
End of Day Share Price2019/08/16 00:00
Earnings2019/06/30
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.