MarketFriction

India Home Loans Ltd

BSE 530979 · Housing Finance Company
₹31.54 -0.82%
BSE close2026-10-01
Market cap₹43.2 Cr.
P/E309

Price

Drag to pan, scroll or pinch to zoom. Ruler (or Shift + drag) measures a move.Dashed lines: 52 week high and low. Prices adjusted for splits and bonuses.

Financials

Standalone, Rs crore
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue3.002.952.333.283.283.313.734.283.503.313.702.47
Interest2.502.162.231.961.921.911.891.871.871.801.741.19
Expenses0.311.952.121.231.291.271.642.301.511.421.891.19
Financing Profit0.19-1.16-2.020.090.070.130.200.110.120.090.070.09
Financing Margin %6.33%-39.32%-86.70%2.74%2.13%3.93%5.36%2.57%3.43%2.72%1.89%3.64%
Other Income0.020.010.010.060.010.010.010.000.000.000.010.00
Depreciation0.050.030.030.010.030.070.120.060.070.060.050.06
Profit before tax0.16-1.18-2.040.140.050.070.090.050.050.030.030.03
Tax %37.50%-2.54%3.43%21.43%-20.00%0.00%55.56%80.00%-40.00%100.00%100.00%-100.00%
Net Profit0.09-1.15-2.110.100.060.080.040.010.070.010.000.06
EPS in Rs0.06-0.81-1.480.070.040.060.030.010.050.010.000.04
Gross NPA %2.81%3.32%3.63%3.55%2.84%2.90%3.22%3.34%2.94%2.71%2.69%2.68%
Net NPA %2.01%2.39%2.61%2.55%2.04%2.08%2.31%2.40%2.11%1.94%1.93%1.92%
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue4.285.8616.6931.8432.5731.1330.0622.3612.0213.6014.6712.98
Interest1.131.746.9221.7521.5720.2516.5312.899.517.647.256.60
Expenses1.802.655.416.827.309.169.458.745.765.506.316.01
Financing Profit1.351.474.363.273.701.724.080.73-3.250.461.110.37
Financing Margin %31.54%25.09%26.12%10.27%11.36%5.53%13.57%3.26%-27.04%3.38%7.57%2.85%
Other Income0.010.000.000.000.370.000.420.820.070.12-0.700.01
Depreciation0.070.070.290.440.330.230.530.560.190.230.230.24
Profit before tax1.291.404.072.833.741.493.970.99-3.370.350.180.14
Tax %33.33%29.29%27.03%35.69%25.40%24.16%51.64%38.38%2.37%22.86%38.89%
Net Profit0.860.992.961.822.801.121.920.61-3.440.270.100.14
EPS in Rs0.760.692.071.271.960.781.340.43-2.410.190.070.10
Dividend Payout %0.00%14.42%9.65%15.69%7.65%12.75%0.00%0.00%0.00%0.00%0.00%
10 Years5 Years3 YearsTTM1 YearLast Year
Compounded Sales Growth13%-14%-13%-11%
Compounded Profit Growth0%-5%12%-26%
Stock Price CAGR-3%-4%5%-24%
Return on Equity3%0%-2%2%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital11.3711.3714.2814.2814.2814.2814.2814.2814.2814.2814.2814.28
Reserves6.287.1416.9919.6121.4023.8724.8329.6430.3326.9227.1627.17
Borrowing5.0013.2114.13155.75191.67170.06170.62125.7791.0056.8649.6243.35
Other Liabilities0.220.811.223.089.3714.301.473.543.565.948.5612.50
Total Liabilities22.8732.5346.62192.72236.72222.51211.20173.23139.17104.0099.6297.30
Fixed Assets0.150.090.171.050.900.690.540.670.440.290.580.38
CWIP0.050.050.130.000.000.000.000.000.000.000.000.00
Investments2.280.002.494.009.010.000.000.000.000.000.000.00
Other Assets20.3932.3943.83187.67226.81221.82210.66172.56138.73103.7199.0496.92
Total Assets22.8732.5346.62192.72236.72222.51211.20173.23139.17104.0099.6297.30
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity-3.64-9.10-9.42-133.01-55.4310.697.6740.5334.8230.9412.305.93
Cash from Investing Activity-1.442.40-2.41-2.25-6.369.18-1.571.54-0.323.24-4.640.00
Cash from Financing Activity5.206.4512.61141.4559.37-21.95-5.12-44.85-34.65-34.05-7.54-6.39
Net Cash Flow0.12-0.240.796.19-2.42-2.080.98-2.78-0.150.130.11-0.46
Free Cash Flow-3.64-9.11-9.65-134.05-55.7210.587.5940.0134.4830.9111.785.93
CFO/OP-328%-351%-283%-1,169%-217%45%39%199%256%494%153%73%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %3.46%4.76%3.98%9.09%5.23%7.56%2.90%4.62%1.38%-7.97%0.58%2.08%
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters36.55%36.55%36.55%37.92%38.97%38.97%38.99%39.07%26.66%26.76%26.92%27.06%
DIIs24.57%24.57%24.57%24.57%24.57%24.57%24.57%24.57%0.07%0.07%0.07%0.07%
Public38.87%38.88%38.88%37.50%36.46%36.46%36.44%36.36%73.27%73.16%73.01%72.87%
No. of Shareholders2,9603,2363,5003,6493,6783,8203,8333,8223,7733,8123,8043,783

Fundamentals

Market Cap₹ 43.2 Cr.
Current Price₹ 30.2
Stock P/E309
Book Value₹ 29.0
ROCE9.41 %
ROE2.08 %
Dividend Yield0.00 %
Face Value₹ 10.0
Compounded Sales Growth (TTM)-11%
Compounded Profit Growth (TTM)-26%
Standalone figures.
Valuation
Market capRs 45 Cr
Enterprise valueRs 88 Cr
P/E (TTM)450.45x
Price to book1.09x
Price to sales3.47x
EV / EBITDA12.64x
EV / EBIT13.09x
EV / sales6.80x
Price to cash flow7.60x
Earnings yield0.22%
P/E, 3-year average271.59x
P/B, 3-year average1.01x
P/E, 5-year average162.44x
P/B, 5-year average1.04x
Profitability
Operating margin (excl. other income)56.99%
Operating margin (incl. other income)52.22%
EBITDA margin53.77%
Pre-tax margin1.08%
Net profit margin0.77%
Net margin, latest quarter2.43%
ROE0.24%
ROCE8.45%
ROA0.10%
ROE, 3-year average-2.37%
ROCE, 3-year average7.38%
ROA, 3-year average-0.82%
ROE, 5-year average-0.22%
ROCE, 5-year average8.41%
ROA, 5-year average-0.21%
ROIC (approx.)4.87%
Tax rate38.89%
Other income / net worth-1.69%
Growth
Sales growth (latest year)7.87%
Profit growth (latest year)-62.96%
Sales CAGR, 3 years-13.11%
Sales CAGR, 5 years-13.97%
Profit CAGR, 3 years-45.27%
Profit CAGR, 5 years-38.32%
Sales growth QoQ-33.24%
Sales growth YoY (latest quarter)-42.29%
Profit growth YoY (latest quarter)500.00%
Per share
EPS (TTM)Rs 0.07
EPS (latest year)Rs 0.07
EPS (latest quarter)Rs 0.04
EPS, 3-year averageRs -0.72
EPS, 5-year averageRs -0.08
Book value per shareRs 29.02
Sales per shareRs 9.09
Cash flow per shareRs 4.15
Free cash flow per shareRs 4.15
Efficiency
Asset turnover0.15x
Fixed asset turnover38.61x
Leverage
Total debtRs 43 Cr
Cash and bankRs 0 Cr
Net debtRs 43 Cr
Debt to equity1.05x
Net debt / EBITDA6.19x
Interest coverage1.02x
Owners' fund to total sources42.60%
Debt to assets44.55%
Cash flow
Cash from Operating Activity (latest year)Rs 6 Cr
Cash from Financing Activity (latest year)Rs -6 Cr
Net Cash Flow (latest year)Rs -0 Cr
Free cash flow (latest year)Rs 6 Cr
FCFE (approx.: FCF + change in debt)Rs -0 Cr
Sales to cash flow2.47x
Statement figures
Net sales (TTM)Rs 13 Cr
Net sales (latest year)Rs 15 Cr
Sales (latest quarter)Rs 2 Cr
Operating profit excl. other income (latest year)Rs 8 Cr
Operating profit (latest quarter)Rs 1 Cr
Other income (TTM)Rs -1 Cr
EBITDA (TTM)Rs 7 Cr
PBDT (TTM)Rs 0 Cr
Profit before tax (TTM)Rs 0 Cr
Tax (latest year)Rs 0 Cr
Net profit (TTM)Rs 0 Cr
Net profit (latest year)Rs 0 Cr
Net profit (latest quarter)Rs 0 Cr
Depreciation (TTM)Rs 0 Cr
Depreciation (latest quarter)Rs 0 Cr
Interest (TTM)Rs 7 Cr
Cost of goods sold (latest year)Rs 0 Cr
Total expenditure (latest year)Rs 6 Cr
Total income (latest year)Rs 14 Cr
Share capitalRs 14 Cr
ReservesRs 27 Cr
Shareholders' fundsRs 41 Cr
Total assetsRs 97 Cr
Net blockRs 0 Cr
Other liabilitiesRs 12 Cr
Shares outstanding (crore)1.43
Ownership
Promoter holding27.06% (-12.01 in a year)
Computed by MarketFriction from the standalone statements. Returns use average balances.
P/E 300.3 is at the 92th percentile of its own 8.5-year range (median 46.5, low 16.8, high 389.6).
P/B 1.09 is at the 18th percentile (median 1.33).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
Period530979Nifty 50Difference
1 week+1.5%-2.8% +4.3 pts
1 month-0.1%-6.8% +6.7 pts
3 months-0.6%-7.6% +7.0 pts
3 years+19.5%+14.2% +5.3 pts
5 years-14.5%+27.9% -42.4 pts

Red flags

F-score 6 of 8
explainLow interest cover Interest cover 1.0x in 2026
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.

Latest quarter

Jun 2026
Revenue ₹2 Cr -42.3% vs Jun 2025. Net profit ₹0 Cr +500.0%.

Activity

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No bulk or block deals on record.
No corporate actions on record.
No announcements in our files yet.
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Not on any NSE surveillance list in the latest file.

Quick answers

What is the market cap of India Home Loans Ltd?

India Home Loans Ltd (530979) has a market capitalisation of Rs 43.2 Cr. at the 2026-10-01 close.

What is the P/E ratio of India Home Loans Ltd?

India Home Loans Ltd trades at a P/E of 309 on trailing twelve-month profit, at the 2026-10-01 close.

What were India Home Loans Ltd's latest quarterly results?

In the Jun 2026 quarter, India Home Loans Ltd revenue was Rs 2 Cr (-42.3% vs Jun 2025) and net profit was Rs 0 Cr.

Data: NSE and BSE daily reports, company filings. Numbers only, not investment advice, not a SEBI-registered research service.AboutMethodologyFAQResearchContactTermsPrivacyDisclaimerUpdated 2026-10-03