ScoreWhy is India Home Loans Ltd ?
1
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 -14.70% and Operating profit at -20.20%
2
Flat results in Sep 25
- OPERATING CF(Y) Lowest at Rs 12.30 Cr
- DPS(Y) Lowest at Rs 0.00
- DPR(Y) Lowest at 0.00%
3
With ROE of 0.5, it has a Very Expensive valuation with a 1.3 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 5.87%, its profits have risen by 106.5% ; the PEG ratio of the company is 2.5
4
Reducing Promoter Confidence
- Promoters have decreased their stake in the company by -12.41% over the previous quarter and currently hold 26.66% of the company
- Promoters decreasing their stake may signify reduced confidence in the future of the business
Real-Time Research ReportHow 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, Medium Return
Absolute
Risk Adjusted
Volatility
India Home Loans
5.87%
0.14
43.40%
Sensex
4.73%
0.41
11.83%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
267
Industry P/E
13
Price to Book Value
1.29
EV to EBIT
12.73
EV to EBITDA
12.23
EV to Capital Employed
1.14
EV to Sales
6.69
PEG Ratio
2.51
Dividend Yield
NA
ROCE (Latest)
8.94%
ROE (Latest)
0.48%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
NET SALES(9M)
At Rs 11.51 cr has Grown at 29.47%
PAT(9M)
Higher at Rs 0.12 Cr
-6What is not working for the Company
OPERATING CF(Y)
Lowest at Rs 12.30 Cr
DPS(Y)
Lowest at Rs 0.00
DPR(Y)
Lowest at 0.00%
Loading Valuation Snapshot...
Here's what is working for India Home Loans
Net Sales - Nine Monthly
At Rs 11.51 cr has Grown at 29.47%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (Rs Cr)
Profit After Tax (PAT) - Nine Monthly
Higher at Rs 0.12 Cr
than preceding 12 month period ended Sep 2025 of Rs -1.87 crMOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
PAT (Rs Cr)
Here's what is not working for India Home Loans
Operating Cash Flow - Annually
Lowest at Rs 12.30 Cr and Fallen
each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (Rs Cr)
Dividend per Share (DPS) - Annually
Lowest at Rs 0.00
in the last five yearsMOJO Watch
Company is distributing lower dividend than previous years
DPS (Rs)
Dividend Payout Ratio (DPR) - Annually
Lowest at 0.00%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
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