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Consolidated Standalone

Sammaan Capital

₹153.8 3.9 | 2.6%

Market Cap ₹11454 Cr.

Stock P/E 9.4

P/B 0.6

Current Price ₹153.8

Book Value ₹ 268.3

Face Value 2

52W High ₹208.9

Dividend Yield 1.3%

52W Low ₹ 130.3

Edit Ratio

Sammaan Capital Research see more...

Overview Inc. Year: 2005Industry: Finance - Housing

Indiabulls Housing Finance Ltd, together with its subsidiaries, operates as a housing finance agency. The company offers domestic loans, home loan balance transfer, MSME loans, mortgage against belongings, NRI home mortgage, domestic renovation and extension loans, and rural domestic loans, in addition to credit connected subsidy and emergency credit line guarantee schemes. It serves co-operative society, affiliation of persons, people, corporations, institutions, companies, builders, contractors, tenants, developers and others. Till December 31, 2021, the Company had 141 branches. Indiabulls Housing Finance Ltd was incorporated in 2000 and is primarily based in Gurugram, India.

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Sammaan Capital Share Price

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Peer Comparison

Sammaan Capital Quarterly Results

#(Fig in Cr.) Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Operating Revenue 2075 2230 2339 2075 1900 2227 2143 2205 2207 2422
Other Income 3 2 1 2 15 15 69 51 30 3
Total Income 2078 2231 2340 2077 1916 2242 2212 2255 2236 2425
Total Expenditure 179 406 522 293 147 448 478 511 471 4852
Operating Profit 1899 1826 1817 1784 1769 1794 1733 1744 1765 -2427
Interest Expense 1495 1410 1389 1342 1354 1350 1312 1291 1309 1238
Depreciation 18 23 23 22 19 23 23 21 19 20
Profit Before Tax 386 393 405 420 396 422 399 432 437 -3685
Provision for Tax 99 103 114 160 100 124 96 112 110 -924
Profit After Tax 287 289 291 261 296 298 303 320 327 -2761
Adjustments 0 0 0 2 -2 0 0 -1 0 0
Profit After Adjustments 287 289 291 263 294 298 303 319 327 -2761
Adjusted Earnings Per Share 5.7 5.8 5.8 5.2 5.9 5.6 5.6 5.7 5.7 -38.1

Sammaan Capital Profit & Loss

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Operating Revenue 5450 6509 8365 10493 14951 17050 13216 9927 8983 8719 8475 8977
Other Income 485 803 936 1292 61 32 7 103 67 161 264 153
Total Income 5935 7312 9300 11785 15012 17082 13224 10030 9050 8880 8739 9128
Total Expenditure 663 876 1179 1579 2087 1710 2043 1432 1175 1554 1699 6312
Operating Profit 5272 6435 8121 10206 12925 15372 11181 8598 7875 7326 7040 2815
Interest Expense 3282 3944 4971 6411 8010 9726 8512 6939 6242 5636 5307 5150
Depreciation 8 19 20 23 37 43 108 97 77 86 85 83
Profit Before Tax 1982 2473 3129 3772 4878 5604 2561 1562 1556 1604 1649 -2417
Provision for Tax 413 571 776 863 1005 1546 395 360 378 476 432 -606
Profit After Tax 1569 1901 2353 2909 3873 4058 2166 1202 1178 1128 1217 -1811
Adjustments -4 -0 -8 -2 22 33 34 0 0 2 -3 -1
Profit After Adjustments 1564 1901 2345 2906 3895 4091 2200 1202 1178 1130 1214 -1812
Adjusted Earnings Per Share 41.8 47.7 49.6 61.2 81.5 85.4 46.8 24.1 23.6 22.5 21.5 -21.1

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR -3% -5% -13% 5%
Operating Profit CAGR -4% -6% -14% 3%
PAT CAGR 8% 0% -21% -3%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR -19% -7% -10% -9%
ROE Average 7% 7% 8% 19%
ROCE Average 10% 10% 10% 11%

Sammaan Capital Balance Sheet

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Shareholder's Funds 5706 6632 10694 12122 14358 16482 15538 16134 16674 17361 19792
Minority's Interest 2 2 0 0 0 0 0 0 0 0 0
Borrowings 20166 29105 35521 54116 89419 89762 69333 57805 46876 37269 30534
Current Liability 18545 21621 29533 37104 28076 23282 17104 18239 17749 19641 22479
Other Liabilities & Provisions 415 1185 2051 3141 288 463 509 391 119 232 26
Total Liabilities 44832 58546 77799 106484 132141 129990 102484 92568 81418 74509 72831
Loans 30799 40151 53193 73670 109833 92387 70211 65407 59950 55831 53013
Investments 25 23 724 797 2790 2019 4420 5104 4938 5247 7192
Fixed Assets 115 123 136 169 169 214 450 295 327 433 293
Other Loans 462 795 1470 2671 651 884 1294 662 1175 1433 999
Other Non Current Assets 815 615 414 285 129 136 739 154 149 166 49
Current Assets 12616 16839 21862 28892 18568 34350 24700 19561 11896 8955 10019
Total Assets 44832 58546 77799 106484 132141 129990 102484 92568 81418 74509 72831

Sammaan Capital Cash Flow

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Opening Cash & Cash Equivalents 6671 6674 6388 2497 5134 4252 13903 13565 13124 7986 3729
Cash Flow from Operating Activities -2452 -8892 -11643 -17845 -25024 21206 19331 7089 657 4001 -123
Cash Flow from Investing Activities -635 -2093 -4997 -2107 368 -4220 8265 3103 1649 884 1590
Cash Flow from Financing Activities 3090 10699 15330 22591 23775 -7335 -27934 -10632 -7444 -9142 -2383
Net Cash Inflow / Outflow 3 -286 -1310 2638 -881 9650 -338 -440 -5138 -4257 -916
Closing Cash & Cash Equivalent 6674 6388 5078 5135 4252 13903 13565 13124 7986 3729 2814

Sammaan Capital Ratios

# Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Earnings Per Share (Rs) 41.77 47.69 49.64 61.16 81.46 85.37 46.81 24.07 23.58 22.46 21.49
CEPS(Rs) 42.09 48.16 50.25 61.69 81.77 85.57 48.39 26 25.13 24.12 23.03
DPS(Rs) 29 26 45 27 41 40 31 9 0 1.12 2
Book NAV/Share(Rs) 152.27 166.29 226.34 255.05 298.23 340.5 326.5 319.37 330.23 341.7 347.69
Net Profit Margin 28.78 29.21 28.13 27.72 25.91 23.8 16.39 12.1 13.11 12.93 14.36
Operating Margin 96.59 98.59 96.84 97.04 86.2 89.91 83.78 85.63 86.8 83.04 82.07
PBT Margin 36.36 37.99 37.41 35.95 32.63 32.87 19.38 15.73 17.32 18.39 19.45
ROA(%) 3.69 3.68 3.45 3.16 3.25 3.1 1.86 1.23 1.35 1.45 1.65
ROE(%) 29.13 30.84 27.17 25.5 29.36 26.54 13.68 7.68 7.26 6.7 6.61
ROCE(%) 13.55 13.46 12.87 12.04 11.57 12.38 10.18 9.44 9.57 9.8 10.08
Price/Earnings(x) 5.05 10.43 11.62 14.54 13.55 8.96 1.84 7.28 5.97 3.87 7.83
Price/Book(x) 1.38 2.99 2.55 3.49 3.7 2.25 0.26 0.55 0.43 0.25 0.48
Dividend Yield(%) 12.27 4.66 6.96 2.71 3.31 4.67 32.11 4.58 0 1.28 1.19
EV/Net Sales(x) 7.16 9.81 10.21 11.62 10.63 7.49 5.2 6.1 6.54 5.91 6.32
EV/Core EBITDA(x) 7.4 9.92 10.52 11.94 12.3 8.31 6.14 7.04 7.46 7.04 7.61
Interest Earned Growth(%) 20.42 19.42 28.51 25.45 42.49 14.04 -22.48 -24.89 -9.51 -2.94 -2.8
Net Profit Growth 23.89 21.21 23.76 23.62 33.17 4.76 -46.62 -44.52 -1.98 -4.25 7.92
EPS Growth(%) 16.28 14.18 4.09 23.2 33.18 4.8 -45.16 -48.59 -2.03 -4.73 -4.33
Interest Coverage(x) % 1.6 1.63 1.63 1.59 1.61 1.58 1.3 1.23 1.25 1.28 1.31

Sammaan Capital Shareholding Pattern

# Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Promoter 9.58 9.58 9.58 0 0 0 0 0 0 0
FII 25.01 24.01 21.7 18.29 18.52 22.37 23.42 19.33 19.14 19.77
DII 9.82 11.07 13.08 13.02 16.09 16.07 8.53 7.15 6.62 6.31
Public 55.47 55.21 55.51 68.58 65.28 61.56 68.05 73.51 74.25 73.92
Others 0.12 0.12 0.12 0.12 0.12 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Stock is trading at 0.6 times its book value
  • Company has reduced debt.

Cons

  • Promoter holding is low: 0%.
  • Company has a low return on equity of 7% over the last 3 years.
  • The company has delivered a poor profit growth of -21% over past five years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

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