Financials India Home Loan Limited

Equities

INDIAHOME6

INE274E01015

Consumer Lending

Delayed Bombay S.E. 02:02:19 2024-04-29 am EDT 5-day change 1st Jan Change
33.93 INR +0.15% Intraday chart for India Home Loan Limited +0.98% -21.11%

Valuation

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Capitalization 1 1,378 978.3 485.6 539.9 464.2 502.7
Enterprise Value (EV) 1 2,863 2,860 2,242 2,223 1,717 1,409
P/E ratio 46.5 x 37.8 x 19.3 x 48.1 x 24.3 x 83.8 x
Yield 0.21% 0.29% 0.44% 0.26% - -
Capitalization / Revenue 14.8 x 8.87 x 4.29 x 4.77 x 3.89 x 4.18 x
EV / Revenue 30.7 x 25.9 x 19.8 x 19.6 x 14.4 x 11.7 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 4.07 x 2.5 x 1.27 x 1.38 x 1.06 x 1.13 x
Nbr of stocks (in thousands) 14,282 14,282 14,282 14,282 14,282 14,282
Reference price 2 96.50 68.50 34.00 37.80 32.50 35.20
Announcement Date 8/19/18 8/23/19 9/3/20 9/6/21 9/7/22 9/8/23
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Net sales 1 93.24 110.3 113.2 113.2 119.2 120.2
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 40.63 35.88 37.49 14.84 39.64 9.858
Net income 1 29.65 25.85 28.05 11.22 19.16 6.055
Net margin 31.79% 23.43% 24.78% 9.91% 16.07% 5.04%
EPS 2 2.076 1.810 1.766 0.7856 1.340 0.4200
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.2000 0.2000 0.1500 0.1000 - -
Announcement Date 8/19/18 8/23/19 9/3/20 9/6/21 9/7/22 9/8/23
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Net Debt 1 1,484 1,882 1,756 1,683 1,253 907
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 9.1% 7.07% 7.6% 2.9% 4.61% 1.37%
ROA (Net income/ Total Assets) 2.48% 1.2% 1.22% 0.51% 1% 0.39%
Assets 1 1,197 2,154 2,296 2,195 1,922 1,562
Book Value Per Share 2 23.70 27.40 26.70 27.40 30.80 31.20
Cash Flow per Share 2 5.120 4.510 1.600 2.290 0.3400 0.2300
Capex 1 10.4 2.88 1.67 0.83 5.24 3.38
Capex / Sales 11.2% 2.61% 1.47% 0.73% 4.39% 2.81%
Announcement Date 8/19/18 8/23/19 9/3/20 9/6/21 9/7/22 9/8/23
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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