BSE: IBULHSGFIN - Indiabulls Housing Finance Limited

Yield per half year: -34.25%
Dividend yield: +2.00%
Sector: Financials

Reporting Indiabulls Housing Finance Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹									54.89
Выручка, млрд ₹			74.53	45.91	30.31	27.46	30.89	33.18	33.18	33.55	-6.29
Чистая прибыль, млрд ₹	29.06	38.95	40.91	22	12.02	11.78	11.3	12.14	12.14	13.85	-11.21
EV, млрд ₹			1 277.36	684.54	607.76	586.9	515.55	562.98	562.98	591.55	-3.83
Баланс стоимость, млрд ₹			164.82	155.38	161.34	166.74	173.61	197.92	197.92	171.00	4.96
FCF, млрд ₹			211.17	192.96	70.41	6.37	39.52	-1.82	-1.82	61.49	-139.35
Операционный денежный поток, млрд ₹	-178.45	-250.24	212.06	193.31	70.89	6.57	40.01	-1.23	-1.23	61.91	-136.37
CAPEX, млрд ₹	1.25	0.4617	1.01	0.3458	0.4767	0.2004	0.4936	0.587	0.587	0.4207	11.16

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Выручка, млрд ₹			6.42	5.82	8.21	9.5	7.3	5.62	8.93	9	9.64	9.27	8.49	10.53
Чистая прибыль, млрд ₹			3.07	2.87	2.89	2.91	2.63	2.96	2.98	3.03	3.19	3.27	3.09	2.01
EV, млрд ₹	629.05	632.09	586.9		548.79		514.14		520.3		562.98		546.62	-0.83
Баланс стоимость, млрд ₹	158.91	164.05	166.74		169.28		173.61		184.28		197.92		178.37	3.49
FCF, млрд ₹	18.83	1.17	2.41										7.47	-49.60
Операционный денежный поток, млрд ₹	19.2	1.29	2.1										7.53	-52.18
CAPEX, млрд ₹	0.3784	0.1174											0.2479	-44.30

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹			146.57	150.9	170.41	97.88	52.32	44.24	44.24	103.15	-21.76
Long term investments ₹			198.93	130.17	63	56.95	85.35			106.88	-15.57
Total Receivables ₹	829.28	1 113.5	947.84	728.24	670.57	620.2				816.07	-11.05
Total Current Assets ₹	890.42	1 282.7	1 264.5	971.59	916.57	804.83				1048.04	-8.90
Чистые активы, млрд ₹	0.9028	0.9952	1.35	3.74	2.01	2.41				2.10	19.35
Активы, млрд ₹			1 301.04	1 028.72	932.38	819.73	749.45	730.66	730.66	852.19	-6.61
Задолженность, млрд ₹			1 136.22	873.34	771.04	652.99	575.84	532.75	532.75	681.19	-9.41
Чистый долг, млрд ₹			910.99	643.19	516.24	508.58	471.71	440.69	440.69	516.08	-7.28
Долг, млрд ₹									524.18
Interest income ₹			148.56	115.49	97.93	85.88	76.76			104.92	-12.37
Расходы на обслуживание долга ₹			94.65	85.09	67.96	59.91	56.36	53.07	53.07	64.48	-9.01
Чист. проц. доходы, млрд ₹			53.91	30.39	29.97	25.97	20.4	67.84	76.76	34.91	17.42
Goodwill ₹			0.5783	0.5783	0.5783	0.5783	0.5783			0.5783	0.00

	2019Q3	2020Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Наличность, млрд ₹			113.57	83.33	97.88		57.02		53.59		65.08		44.24		63.56	-14.69
Long term investments ₹			67.46	68.55	56.95		76.48		55.37		97.06				70.88	7.20
Total Receivables ₹	825.75	728.24					563.45								705.81	-11.96
Total Current Assets ₹	950.39	1 000.6					669.16								873.38	-11.04
Чистые активы, млрд ₹	4.43	3.74					3.4								3.86	-8.44
Активы, млрд ₹			864.33	822.85	819.73		758.12		749.45		729.08		730.66		757.41	-2.27
Задолженность, млрд ₹			705.42	658.81	652.99		588.84		575.84		544.8		532.75		579.04	-3.99
Чистый долг, млрд ₹			520.65	530.6	508.58		492.97		467.39		419.12		440.69		465.75	-2.82
Interest income ₹			21.96	21.83	19.16	19.8	21.26	18.78	16.93	18.18	17.31	16.62			17.56	-2.41
Расходы на обслуживание долга ₹					12.92	14.95	14.1	13.89	11.02	13.54	13.5	13.12	12.91	13.09	13.23	-0.67
Чист. проц. доходы, млрд ₹					6.24	4.85	7.16	4.89	5.9	4.64	3.82	3.5	15.73	16.89	8.92	29.49
Goodwill ₹			0.5783	0.5783	0.5783		0.5783		0.5783		0.5783				0.5783	0.00

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	52.34	62.76	82.71	87.45	51.45	67.62	25.13	23.95	16.44		16.44	36.92	-20.40
Цена акции ао		1194.75	853.5	313.1	220.3	218	154.6	216.75	151.2	107.6	107.6	169.63	-13.17
Число акций ао, млн				427.4	427.57	462.35	468.57	471.6	738.68		738.68	513.75	11.56
FCF/акцию				494.07	451.3	152.28	13.6	83.79	-2.46		-2.46	139.70	-135.26

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	5 quarters average	CAGR 5
EPS		6.04	6.14	5.71	5.72	6.42	5.22	6.57	5.54	6.29	4.32	5.59	-3.71
Цена акции ао	248.91	234.02	185.84	130.7	118.18	134.92	117.19	110.78	159.82	186.22		141.79	6.66
FCF/акцию	40.71	2.51	5.15									16.12	-49.80

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	24.82	14.16	7.45	7.18	6.64	6.54		6.54	13.90	8.39	-14.32
ROA, %	3.14	2.14	1.29	1.34	1.44	1.64		1.64	2.81	1.57	-5.18
ROS, %	54.88	47.91	39.64	42.89	36.57	36.6	36.6	36.6	59.51	38.46	-1.58
ROCE, %							0	0	2.58
Ebit margin, %							0	0
Рентаб EBITDA, %							0	0	10.51
Чистая рентаб, %	54.88	47.91	39.64	42.89	36.57	36.6		36.6	59.51	40.72	-5.24
Operation Margin, %					0	0	0	0	13.65

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	Industry average	5 quarters average	CAGR 5
ROE, %	1.8	1.85	1.84		1.71		1.87		2.06		2.1		13.90	1.92	2.68
ROA, %	0.3313	0.3682	0.3742		0.3818		0.7008		0.4031		0.4377		2.81	0.4595	3.18
ROS, %			47.79	49.21	35.25	30.62	35.99	52.73	33.39	33.62	33.15	35.24	59.51	37.63	-7.74
Чистая рентаб, %			47.79	49.21	35.25	30.62	35.99	52.73	33.39	33.62	33.15	35.24	59.51	37.63	-7.74

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	8.96	1.88	7.62	6.65	3.88	10.07		10.07	29.43	6.02	39.89
P/BV	2.22	0.2661	0.5673	0.4697	0.2525	0.6179		0.6179	3.11	0.4347	18.35
P/S	4.92	0.9006	3.02	2.85	1.42	3.69		3.69	12.16	2.38	32.59
P/FCF					1.39	-30.16	-30.16	-30.16	5.80	-19.6433	-378.92
E/P					0.2055	0.2212	0.2212	0.2212	0.10	0.2160	2.48
EV/EBIT						0	0	0
EV/S		14.91	20.05	21.37	16.69	16.97	16.97	16.97	8.38	18.41	-3.28
EV/FCF		3.55	8.63	92.11	13.05	-309.36	-309.36	-309.36	-6.20	-100.9860	-304.59
Debt/EBITDA					0	0	0	0	1.02
Netdebt/Ebitda					0	0	0	0	0.86
Debt/Ratio					0.6994	0.7174	0.7174	0.7174	0.24	0.7114	0.85
Debt/Equity					0	0	0	0	238.79
Debt/Net Income					46.47	43.16	43.16	43.16	12.31	44.26	-2.43
Бета					2.89	2.31	4.17	4.17	0.91	3.12	13.00
Индекс Альтмана					0.1502	0.1588	0.1588	0.1588	1.07	0.1559	1.87

	2021Q3	2021Q4	2022Q1	2022Q3	2023Q1	2023Q3	2024Q1	2025Q1	Industry average	5 quarters average	CAGR 5
P/E	37.85	17.17	12.8	9.33	8.18	11.13	10.97		29.43	10.48	-3.04
P/BV	0.6821	0.6187	0.4697	0.3297	0.2693	0.5491	0.6179		3.11	0.4471	5.64
P/S	16.67	7.56	5.87	3.8	2.91	3.88	3.75		12.16	4.04	-8.57
EV/S						58.3	58.42		8.38	58.36	0.10
Бета								4.17	0.91	4.17	0.00
Индекс Альтмана								0.1588	1.07	0.1588	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд			13.78	20.99	20.57	15.93	4.17	0.0063	0.5893		0.5893		8.25	-50.86
Дивиденд	36	36	36	44	26	6	9		1.25	2	2		8.85	-40.13
Див доход, ао, %		5.02	3.34	3.9	4.64	3.08	3.91	7.34	0.6739	2	2	1.40	3.40	-8.27
Дивиденды / прибыль, %			47.41	53.89	50.29	72.4	34.67	0.0535	0.0558	4.85	4.85	17.81	22.41	-41.76

	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2021Q2	2023Q3	Industry average	5 quarters average	CAGR 5
Дивиденд	1	1	1	1	1	8	7	6	9	1.25		6.25	-31.01
Див доход, ао, %	0.8073	0.8279	1.25	1.38	1.36	1.52	2.8	2.29	4.13	0.7821	1.40	2.30	-12.44

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	5318	5318	0.00

	CAGR 5

	CAGR 5