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One of the leading housing finance companies in India is Indiabulls Housing Finance Limited (IBHFL), which provides a wide range of loan products to meet the various needs of property owners and homebuyers. Since its founding in 2005, IBHFL has continuously concentrated on offering easily accessible and reasonably priced housing finance options all around the country.
Overview of the Company
IBHFL, which has its headquarters in New Delhi, runs a vast network of more than 270 branches throughout India. The company serves a diverse clientele that includes non-resident Indians, entrepreneurs, and salaried individuals. Its main services include home loans, loan balance transfers, and loans secured by real estate. Customers from different areas can easily access IBHFL’s financial products thanks to its extensive presence.
Performance of Share Prices
The share price of IBHFL is currently trading at ₹112.24, down 1.25% from the previous close of ₹113.65 on February 27, 2025. There has been a 31.72% decrease in the share price over the last three months. With a market valuation of ₹9,448.67 crore, the company is classified as a mid-cap company in the Non-Banking Financial Company (NBFC) industry.
Metrics related to finances
Key indicators of IBHFL’s financial health are as follows:
- Ratio of Price to Earnings (PE): -5.21
- Ratio of Price to Book (PB): 0.48
- Ratio of Price to Sales: 1.12
With a PB ratio below 1, which indicates that the market price is less than the company’s book value, these numbers imply that the stock of the company is currently undervalued.
History of Dividends
Pattern of Shareholding
The following is IBHFL’s shareholding structure as of December 31, 2024:
- Public and Others: 64.58%
- Promoters: 9.59%
- Foreign Institutional Investors (FII): 19.53%
- Domestic Institutional Investors (DII): 6.3%
A notable shift in foreign investment is indicated by the minor decline in FII holdings, which went from 19.77% in September 2024 to 19.53% in December 2024.
Leadership Team
The company’s leadership team is made up of seasoned experts who are guiding IBHFL toward long-term success: Gagan Banga: CEO, Managing Director,
- Mukesh Garg: Chief Financial Officer
- Sachin Chaudhary: Chief Operating Officer & Executive Director
- Niharika Bhardwaj: Chief Human Resource Officer
- Somil Rastogi: Chief Compliance Officer
- Naveen Uppal: Chief Risk Officer This team’s extensive experience and knowledge guarantee the company’s strong governance and strategic direction.
Comparing with Peers
Several significant players compete with IBHFL in the NBFC sector: Housing Finance by PNB Finance for Aadhar Housing Finance for Aptus Value Housing Financiers Aavas In comparison to its peers, IBHFL’s dividend yield, as of September 2024, is competitive at 1.76%. Aptus Value Housing Finance, for example, offers a dividend yield of 1.48%, but other companies such as PNB Housing Finance and Aadhar Housing Finance have not declared dividends during this period.
Recent Developments
In conclusion
In spite of market swings, Indiabulls Housing Finance Limited has remained a major force in the country’s housing finance industry. IBHFL is well-positioned to successfully handle the difficulties of the financial environment thanks to its capable leadership team, wide range of financial products, and calculated efforts to increase capital. When making investment decisions, investors are advised to keep a careful eye on the company’s performance and the state of the market.
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