login
Current Deals

company details

MANIPAL HOUSING FINANCE SYNDICATE LIMITED

  • www.manipalhousing.com
  • Sector: Banks/NBFC
  • CHRYSEUM SCORE: 7.50/10.00
    ×

    MANIPAL HOUSING FINANCE SYNDICATE LIMITED

    • Sector: Banks/NBFC
    • CHRYSEUM SCORE: 7.50/10.00

    Description: Manipal Housing Finance (MHFSL) is a NHB registered Housing Finance Company

    Evaluation is basis the latest financial year disclosures filed by the company

    Valuation

    Max Score: 3.50

    P/B of Company

    0.61

    Avg P/B of Key Peers

    0.61

    P/B of Industry

    2.25

    Valuation Score

    3.50

    The Valuation Score depicts if the company is available at a discount when compared to its listed peer & its Industry Average. Higher the discount, more is the score given to the company.

    Growth

    Max Score: 3.50

    Sales Growth

    -1.67%

    PAT Growth

    6.11%

    BVPS Growth

    10.95%

    Growth Score

    1.00

    The Growth Score accounts for the growth in Sales, PAT and the BVPS on a 3 year CAGR basis.

    Key Metrics

    Max Score: 1.50

    ROA

    2.28%

    Net NPA

    0.00%

    Capital Adequacy

    38.04%

    Key Metrics Score

    1.50

    The Other Key Metrics takes into consideration the Return on Asset, Net NPA and CAR of the company.ROA & NNPA are compared to the company’s peer averages.

    Management Quality

    Max Score: 1.50

    Board Structure & Composition

    1.00

    Related Party Transactions

    1.00

    Timely Disclosure

    1.00

    Management Score

    1.50

    This score represents a consolidated view of the Company’s Management Quality, which includes Board Structure, Related Party Transactions and Timely disclosures. Each parameter is scored out of 1.

₹82.00 0.00 (0.00%)

As on 18 Apr, 2025
L 82.00 52 Week Range H 111.00
Company Description : Manipal Housing Finance (MHFSL) is a NHB registered Housing Finance Company. It is jointly promoted by the Manipal Group and Syndicate Bank.
Company Overview
  • Name of Company MANIPAL HOUSING FINANCE SYNDICATE LIMITED
  • Sector Banks/NBFC
  • ISIN INE03Y801013
  • Scrip Code MANIPAL HOUSING
  • CIN U65922KA1986PLC007396
  • Pan No AABCM1714D
  • Face Value 10
  • Price ₹ 82.00
  • No. of Shares outstanding 0.85 Cr.
  • Market Cap ₹ 69.74 Cr
Financials
  • Revenue from operations ₹ 54.90 Cr.
  • EBITDA ₹ 49.00 Cr.
  • EBITDA Margin % 89.25%
  • Profit After Tax ₹ 11.54 Cr.
  • PAT Margin % 19.69%
  • EPS 13.57
  • Stock P/E 6.04
  • Book Value Per Share 134.44
  • P/B 0.61
  • Debt/Equity 3.23
Other Key Statistics
  • 52 week High/Low 111.00/82.00
  • Dividend Per Share 0.65
  • Dividend Yield 0.79%
  • Sales Growth - 3 years -1.67%
  • EBITDA Growth - 3 years 0.96%
  • PAT Growth - 3 years 6.11%
  • EPS Growth - 3 years 6.42%
  • ROE 10.09%
  • ROCE 11.80%
  • Cash Equivalents 6.75
All figures below are in INR Crores unless otherwise stated

Peer Comparison

Key Financials - FY24
Company Name Manipal Housing Finance Syndicate Ltd GIC Housing Finance Ltd Repco Home Finance Ltd
Listing Status Unlisted Listed Listed
Revenue from Operations 54.90 1,057.16 1,524.52
Total Income 58.62 1,069.64 1,540.80
Finance Cost 32.84 710.38 845.57
Depreciation & Amortization 0.65 15.02 18.22
Total Expenses 43.11 865.73 1,016.08
EBITDA 49.00 929.31 1,388.51
PAT 11.54 151.16 394.70
No. of Shares Outstanding 0.85 5.39 6.26
EPS (in ₹) 13.57 28.07 66.55
Share Capital 9.78 53.88 62.56
Total Net Worth 114.34 1,828.65 2,985.40
Total Assets 505.94 10,470.42 13,796.71
Borrowings 369.16 7,832.85 10,701.00
Key Metrics:
CMP* 82.00 179.06 398.30
Market Cap (In Cr.) 69.74 965.13 2,493.36
Market Cap/Sales 1.19 0.90 1.62
EPS (Earnings Per Share) 13.57 28.07 66.55
BVPS (Book Value Per Share) 134.44 339.58 477.20
P/E 6.04 6.38 5.98
P/BV 0.61 0.53 0.83
EBITDA Margin 89.25% 87.91% 91.08%
ROE 10.09% 8.27% 13.22%
ROA 2.28% 1.44% 2.86%
Gross NPA 1.24% 3.83% 4.10%
Net NPA 0.00% 2.69% 1.46%
Capital Adequacy 38.04% 33.56% 33.97%
*Market Price in ₹ as on 18 Apr, 2025

Profit Loss

FY24 FY23 FY22 FY21 FY20
Revenue from operations 54.90 55.58 55.31 57.75 55.78
Y-o-Y Revenue Growth -1.22% 0.49% -4.23% 3.53% 9.39%
Other Income 3.72 1.78 1.01 0.93 0.42
Total Income 58.62 57.36 56.32 58.68 56.20
Total Expenses (Excludes Interest and Depreciation) 9.62 13.25 12.25 11.07 6.61
Operating Profit (After deducting Depreciation) 44.63 41.98 42.68 46.26 48.79
OPM % 81.29 75.53 77.17 80.10 87.47
EBITDA 49.00 44.11 44.07 47.61 49.59
Depreciation 0.65 0.35 0.38 0.42 0.38
EBIT 48.35 43.76 43.69 47.19 49.21
Interest 32.84 29.30 29.97 34.23 37.37
EBT before Exceptional Items 15.51 14.46 13.72 12.96 11.84
Prior period/Exceptional /Extra Ordinary Items 0.00 0.00 0.00 0.00 0.00
Profit before tax/EBT 15.51 14.46 13.72 12.96 11.84
Tax 3.97 3.65 3.53 3.30 2.63
Net Profit 11.54 10.81 10.19 9.66 9.21
EPS in Rs 13.57 12.71 11.98 11.26 10.70
EPS Change % 6.75% 6.09% 6.39% 5.23% 7.21%
EBITDA Change % 11.09% 0.09% -7.44% -3.99% 7.80%
Profit growth 6.75% 6.08% 5.49% 4.89% 7.22%
ROCE 11.80% 11.53% 11.38% 12.17% 12.46%
ROE 10.09% 10.45% 10.93% 11.54% 12.42%
Debt / Equity Ratio 3.23 3.50 3.77 3.57 4.23
Sales growth 3Years -1.67%
Sales growth 5Years 1.49%
Dividend per share 0.65 0.65 0.65

Balance Sheet

FY24 FY23 FY22 FY21 FY20
Share Capital 9.78 9.78 9.78 9.78 9.78
Reserves 104.56 93.66 83.49 73.94 64.37
Total shareholders' funds 114.34 103.44 93.27 83.72 74.15
Borrowings 369.16 362.20 351.99 298.50 313.83
Other Liabilities 2.00 4.91 4.55 91.24 82.17
Total Liabilities 391.60 383.96 371.63 402.44 407.18
Fixed Assets 10.30 10.55 10.83 11.07 11.29
Capital WIP 0.00 0.00 0.00 0.00 0.00
Investments 9.71 6.15 5.30 2.80 2.76
Other Assets 1.39 6.43 1.61 0.15 0.06
Total Assets 505.94 487.39 464.89 486.15 481.32
Cash Equivalents 6.75 3.26 9.05 5.51 2.03
Total Current liability 96.09 107.94 80.84 98.48 86.29
Total Assets -Total Current liabilty 409.85 379.45 384.05 387.67 395.03

Cash Flow

FY24 FY23 FY22 FY21 FY20
Net Cash from / (used in) Operating Activity -4.23 -10.14 36.81 10.07 23.40
Net Cash from / (used in) Investing Activity -2.78 -0.26 -2.14 0.29 -7.24
Net Cash from / (used in) Financing Activity 6.34 9.25 -36.35 -6.84 -16.69
Net Inc/Dec In Cash And Cash Equivalents -0.67 -1.15 -1.68 3.52 -0.53

Share Holding Pattern

No. of Shares in Crs. % Holding
Promoters 0.63 74.38%
Non Promoters 0.22 25.62%

News

© 2022 Chryseum Advisors LLP. All rights reserved. LLPIN – AAD-0626

+91 98925 31672 | info@chryseum.in

For latest updates

Linkedin-in