India Home Loans

Market Cap: Micro Cap
Industry: Housing Finance Company
ISIN: INE274E01015
NSEID:
BSEID: 530979
View on BSE

INR

32.67

-0.6 (-1.8%)

BSENSE

Feb 10

BSE+NSE Vol: 14.72 k

Access older stock analysis version

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Repco Home Fin

SRG Housing

Ind Bank Housing

GIC Housing Fin

Star Housing Fin

Reliance Home

Sahara Housing

Ruparel Food

Manraj Hsg.Fin.

India Home Loans

Hind.Housing Co.

Why is India Home Loans Ltd ?

Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 1.67%

Poor long term growth as Net Sales has grown by an annual rate of -14.31% and Operating profit at -20.02%

Flat results in Dec 25

PBDIT(Q) Lowest at Rs 1.89 cr.
PBT LESS OI(Q) Lowest at Rs 0.04 cr.
EPS(Q) Lowest at Rs 0.01

With ROE of 0.3, it has a Very Expensive valuation with a 1.1 Price to Book Value

The stock is trading at a premium compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of -6.52%, its profits have risen by 107% ; the PEG ratio of the company is 3.4

Consistent Underperformance against the benchmark over the last 3 years

Along with generating -6.52% returns in the last 1 year, the stock has also underperformed BSE500 in each of the last 3 annual periods

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Housing Finance Company)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is India Home Loans for you?

High Risk, Low Return

Absolute

Risk Adjusted

Volatility

India Home Loans

-6.52%

-0.15

43.78%

Sensex

9.01%

0.78

11.54%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

-14.31%

EBIT Growth (5y)

-20.02%

Net Debt to Equity (avg)

1.11

Institutional Holding

0.07%

ROE (avg)

1.67%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

359

Industry P/E

Price to Book Value

1.13

EV to EBIT

12.10

EV to EBITDA

11.62

EV to Capital Employed

1.06

EV to Sales

6.24

PEG Ratio

3.36

Dividend Yield

ROCE (Latest)

8.94%

ROE (Latest)

0.31%

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Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Bullish

Dow Theory

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

0What is working for the Company

NO KEY POSITIVE TRIGGERS

-3What is not working for the Company

PBDIT(Q)

Lowest at Rs 1.89 cr.

PBT LESS OI(Q)

Lowest at Rs 0.04 cr.

EPS(Q)

Lowest at Rs 0.01

Loading Valuation Snapshot...

Here's what is not working for India Home Loans

Operating Profit (PBDIT) - Quarterly

Lowest at Rs 1.89 cr.

in the last five quarters

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (Rs Cr)

Profit Before Tax less Other Income (PBT) - Quarterly

Lowest at Rs 0.04 cr.

in the last five quarters

MOJO Watch

Near term PBT trend is negative

PBT less Other Income (Rs Cr)

Earnings per Share (EPS) - Quarterly

Lowest at Rs 0.01

in the last five quarters

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (Rs)