statements

India Home Loan Ltd.

BSE: 530979

Sector: Financial Services

Industry Group: Finance

Industry: Housing Finance Company

29.72-1.0 (-3.35%)

24 Jul, 12:00 AM

Overview Analysis Statements

Technicals Forecast Peers Resources News

Income Statement

Abridged

Understanding Income Statement

India Home Loan Ltd. income statement covering revenue, operating profit, EBITDA, PAT and EPS across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	R 2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Total Revenue	1.21	1.56	2.03	2.46	4.15	5.52	16.39	31.33	32.27	30.83	27.76	18.36	10.94	13.57	14.80
Total Operating Expenses	0.88	1.12	1.26	1.61	1.88	2.72	5.72	7.19	7.55	9.10	7.70	5.32	4.88	5.69	7.36
Operating Profit	0.33	0.44	0.77	0.85	2.28	2.80	10.67	24.14	24.72	21.73	20.06	13.03	6.07	7.88	7.43
Operating Margin	27.3	27.9	37.8	34.4	54.8	50.8	65.1	77.1	76.6	70.5	72.3	71.0	55.4	58.1	50.2
Financing Income/(Expense) - Net	-	-	-0.02	-0.08	-1.13	-1.74	-6.92	-21.75	-21.57	-20.25	-16.53	-12.89	-9.51	-7.64	-7.28
Profit before Taxes	0.38	0.54	0.81	0.82	1.29	1.40	4.06	2.83	3.75	1.48	3.96	0.99	-3.37	0.35	0.17
Income Taxes	0.35	0.13	0.21	0.24	0.43	0.41	1.10	1.01	0.94	0.36	2.05	0.38	0.08	0.07	0.08
Profit after Tax	0.03	0.41	0.60	0.58	0.86	0.99	2.96	1.82	2.80	1.12	1.92	0.61	-3.44	0.27	0.10
PAT Margin	2.5	26.6	29.6	23.4	20.7	17.9	18.1	5.8	8.7	3.6	6.9	3.3	-31.5	2.0	0.7
EPS - Basic - ex Extraordinary Items	0.03	0.38	0.55	0.51	0.76	0.80	2.08	1.28	1.96	0.79	1.34	0.42	-2.41	0.19	0.07
EPS - Diluted - ex Extraordinary Items	0.03	0.38	0.42	0.51	0.76	0.80	2.08	1.28	1.77	0.79	1.34	0.42	-2.41	0.19	0.07
EBIT	0.33	0.44	0.77	0.85	2.28	2.80	10.67	24.14	24.72	21.73	20.06	13.03	6.07	7.88	7.43
EBITDA	0.35	0.46	0.80	0.99	2.35	2.87	10.97	24.58	25.05	21.97	20.59	13.59	6.25	8.11	7.67
EBITDA Margin	28.8	29.6	39.5	40.4	56.6	52.0	66.9	78.5	77.6	71.3	74.2	74.1	57.1	59.8	51.8

Balance Sheet

Abridged

Understanding Balance Sheet

India Home Loan Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	R 2018 Mar 31	R 2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	PRESS
Property Plant & Equipment - Net	0.06	0.06	0.28	0.15	0.09	0.16	0.57	0.53	0.40	0.32	0.50	0.32	0.20	0.51	0.32
Total Assets	11.70	15.36	15.88	22.87	32.12	46.63	191.43	236.73	222.50	216.55	173.22	139.18	104.00	99.63	97.30
Long Term Debt	0.00	0.01	0.01	5.06	13.26	10.87	135.02	191.67	170.06	165.16	125.77	90.99	56.86	49.63	43.35
Total Liabilities	1.44	0.13	0.05	5.22	13.61	15.36	160.23	201.05	184.35	177.44	129.30	94.57	62.80	58.19	55.84
Total Shareholders' Equity	10.26	15.23	15.83	17.65	18.51	31.27	31.21	35.68	38.16	39.12	43.92	44.61	41.20	41.44	41.46
Total Equity	10.26	15.23	15.83	17.65	18.51	31.27	31.21	35.68	38.16	39.12	43.92	44.61	41.20	41.44	41.46
Total Liabilities & Equity	11.70	15.36	15.88	22.87	32.12	46.63	191.43	236.73	222.50	216.55	173.22	139.18	104.00	99.63	97.30
Total Current Assets	0.97	3.26	2.73	4.58	3.36	8.03	-	-	-	-	-	-	-	-	-
Total Current Liabilities	0.90	0.13	0.05	1.36	3.27	3.74	-	-	-	-	-	-	-	-	-

Cash Flow

Abridged

Understanding Cash Flow Statement

India Home Loan Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	R 2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Operating CF bef Changes in Working Cap	0.53	0.51	0.50	0.87	0.92	0.90	3.72	2.90	4.35	3.91	8.12	3.80	-3.84	0.67	0.28
Working Capital - Increase/(Decrease)	-2.46	-3.88	-0.05	-4.47	-9.93	-10.25	-136.66	-58.25	6.67	4.39	32.66	31.23	34.83	11.63	3.86
Net CF from Operating Activities	-1.93	-3.37	0.45	-3.60	-9.00	-9.35	-132.94	-55.35	11.02	8.31	40.78	35.03	30.98	12.30	4.14
Capital Expenditures - Net	0.01	0.03	0.31	0.00	0.01	0.23	1.04	0.29	0.11	0.08	0.52	0.34	0.03	0.52	0.07
Net CF from Investing Activities	0.93	-0.44	-0.19	-1.48	2.31	-2.49	-2.32	-6.44	8.85	-2.21	1.29	-0.52	3.20	-4.64	1.51
Dividends Paid - Cash - Total	-	-	-	-	-	-	0.17	0.34	0.34	0.21	-	-	-	-	-
Stock - Issuance/(Retirement) - Net	-	3.72	-	1.45	-	11.94	-	3.07	-	-	-	-	-	-	-
Debt - LT & ST - Issuance/(Retirement) - Total	0.84	0.07	-0.07	3.75	6.45	0.67	141.62	56.65	-21.61	-4.90	-44.85	-34.65	-34.05	-7.54	-6.11
Net Cash Flow from Financing Activities	0.84	3.79	-0.07	5.20	6.45	12.61	141.45	59.37	-21.95	-5.12	-44.85	-34.65	-34.05	-7.54	-6.11
Free Cash Flow to Equity	-1.10	-3.32	0.07	0.15	-2.57	-8.91	7.64	1.01	-10.69	3.32	-4.59	0.03	-3.10	4.23	-2.03
Free Operating CF net dividend	-1.94	-3.40	0.14	-3.60	-9.02	-9.58	-134.15	-55.99	10.51	8.01	40.26	34.69	30.95	11.78	3.95
Free Operating CF	-1.94	-3.40	0.14	-3.60	-9.02	-9.58	-133.98	-55.64	10.85	8.22	40.26	34.69	30.95	11.78	3.95

Business Segment Analysis

India Home Loan Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

We don't have enough data to show business segment analysis for India Home Loan Ltd.

Regional Segment Analysis

India Home Loan Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

We don't have enough data to show regional segment analysis for India Home Loan Ltd.

Historical Segment Analysis

Track how India Home Loan Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

We don't have enough data to show segments for India Home Loan Ltd.

Frequently Asked Questions

What is the revenue of India Home Loan Ltd.?

The latest trailing twelve month revenue of India Home Loan Ltd. is ₹ 14.79 Cr, reflecting a 1-year growth of 9.02% and a 3-year CAGR of -6.94%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of India Home Loan Ltd.?

The latest trailing twelve month net profit (PAT) of India Home Loan Ltd. is ₹ 0.10 Cr, with a 3-year earnings CAGR of -45.80%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of India Home Loan Ltd.?

The trailing twelve month EBITDA of India Home Loan Ltd. is approximately ₹ 7.43 Cr (based on an operating margin of 50.22%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of India Home Loan Ltd.?

The trailing twelve month Earnings Per Share (EPS) of India Home Loan Ltd. is 0.07. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of India Home Loan Ltd.?

The debt-to-equity ratio of India Home Loan Ltd. stands at 1.05. The interest coverage ratio is 1.02x, reflecting the company's ability to service debt from operating earnings. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of India Home Loan Ltd.?

The estimated book value per share of India Home Loan Ltd. is 29.03 (derived from a P/B ratio of 1.02 and market price of ₹ 29.72), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of India Home Loan Ltd.?

The trailing twelve month operating cash flow of India Home Loan Ltd. is ₹ 4.14 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does India Home Loan Ltd. report consolidated or standalone financials?

India Home Loan Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.