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MOTILAL OSWAL HOME FINANCE LIMITED

  • motilaloswalhf.com
  • Sector: Banks/NBFC
  • CHRYSEUM SCORE: 4.50/10.00
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    MOTILAL OSWAL HOME FINANCE LIMITED

    • Sector: Banks/NBFC
    • CHRYSEUM SCORE: 4.50/10.00

    Description: Motilal Oswal Home Finance Limited is primarily engaged into business of providing loans for purchase or construction of residential houses. The Company also provides consumer loans (top-up loans) and loan against properties.

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

    Valuation

    Max Score: 3.50

    P/B of Company

    5.08

    Avg P/B of Key Peers

    2.89

    P/B of Industry

    2.19

    Valuation Score

    0.00

    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

    6.49%

    PAT Growth

    11.14%

    BVPS Growth

    12.32%

    Growth Score

    1.50

    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

    2.00

    Net NPA

    3.00

    Capital Adequacy

    3.00

    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.

₹11.15 -0.35 (-3.04%)

As on 04 Mar, 2026
L 11.00 52 Week Range H 21.00
Company Description : It is registered with National Housing Bank (NHB) and is amongst the leading new age Housing Finance Companies in India having its presence across 11 states in Western, North-Central and Southern India.
Company Overview
  • Name of Company MOTILAL OSWAL HOME FINANCE LIMITED
  • Sector Banks/NBFC
  • ISIN INE658R01011
  • Scrip Code MOHFL
  • CIN U65923MH2013PLC248741
  • Pan No AAMCA0234H
  • Face Value 1
  • Price ₹ 11.15
  • No. of Shares outstanding 603.79 Cr.
  • Market Cap ₹ 6,732.22 Cr
Financials
  • Revenue from operations ₹ 629.95 Cr.
  • EBITDA ₹ 439.46 Cr.
  • EBITDA Margin % 69.76%
  • Profit After Tax ₹ 130.26 Cr.
  • PAT Margin % 19.99%
  • EPS 0.22
  • Stock P/E 50.68
  • Book Value Per Share 2.36
  • P/B 4.72
  • Debt/Equity 2.19
Other Key Statistics
  • 52 week High/Low 21.00/11.00
  • Dividend Per Share 0.00
  • Dividend Yield 0.00%
  • Sales Growth - 3 years 6.49%
  • EBITDA Growth - 3 years 7.67%
  • PAT Growth - 3 years 11.14%
  • EPS Growth - 3 years 11.20%
  • ROE 9.13%
  • ROCE 30.07%
  • Cash Equivalents 629.03
All figures below are in INR Crores unless otherwise stated

Peer Comparison

Key Financials - FY25
Company Name Motilal Oswal Home Finance Ltd Aptus Value Housing Finance India Ltd
Listing Status Unlisted Listed
Total Revenue from Operations 629.95 1,750.41
Total Income 651.57 1,798.40
Finance Cost 267.50 540.51
Depreciation & Amortization 5.54 12.06
Total Expenses 485.15 823.56
EBITDA 439.46 1,527.41
PAT 130.26 751.24
No. of Shares Outstanding 603.79 49.98
EPS (in ₹) 0.22 15.03
Equity Share Capital 605.39 99.96
Total Net Worth 1,426.90 4,316.65
Total Assets 5,529.83 11,243.41
Borrowings 3,130.59 5,554.55
Key Metrics:
CMP* 11.15 228.41
Market Cap (In Cr.) 6,732.22 11,415.93
Market Cap/Sales 10.33 6.35
EPS (Earnings Per Share) 0.22 12.26
BVPS (Book Value Per Share) 2.36 86.37
P/E 50.68 18.63
P/BV 4.72 2.64
Debt-Equity 2.19 1.29
EBITDA Margin 69.76% 87.26%
ROE 9.13% 17.40%
ROA 2.36% 6.68%
Gross NPA 0.84% 1.18%
Net NPA 0.37% 0.88%
Capital Adequacy 40.81% 66.76%
*Market Price in ₹ as on 04 Mar, 2026

Profit Loss

FY25 FY24 FY23 FY22 FY21
Revenue from operations 629.95 577.99 526.80 521.70 539.19
Y-o-Y Revenue Growth 8.99% 9.72% 0.98% -3.24% -5.90%
Other Income 21.62 11.09 5.13 4.50 6.33
Total Income 651.57 589.08 531.93 526.20 545.52
Total Expenses (Excludes Interest and Depreciation) 212.11 162.17 134.14 174.17 159.70
Operating Profit (After deducting Depreciation) 412.30 410.61 388.97 342.84 373.02
OPM % 65.45 71.04 73.84 65.72 69.18
EBITDA 439.46 426.91 397.79 352.03 385.82
Depreciation 5.54 5.21 3.69 4.69 6.47
EBIT 433.92 421.70 394.10 347.34 379.35
Interest 267.50 250.42 218.56 229.03 288.90
EBT before Exceptional Items 166.42 171.28 175.54 118.31 90.45
Prior period/Exceptional /Extra Ordinary Items 0.00 0.00 0.00 0.00 0.00
Profit before tax/EBT 166.42 171.28 175.54 118.31 90.45
Tax 36.16 38.76 39.18 23.42 50.22
Net Profit 130.26 132.52 136.36 94.89 40.23
EPS in Rs 0.22 0.22 0.23 0.16 0.07
EPS Change % -1.71% -4.57% 43.75% 128.57% 0.00%
EBITDA Change % 2.94% 7.32% 13.00% -8.76% -6.12%
Profit growth -1.71% -2.82% 43.70% 135.87% 2.97%
ROCE 30.07% 32.54% 34.13% 34.27% 41.51%
ROE 9.13% 10.30% 11.88% 9.42% 4.42%
Debt / Equity Ratio 2.19 2.33 2.52 2.59 3.14
Sales growth 3Years 6.49% 2.34%
Sales growth 5Years 1.91% -2.06%
Dividend per share 0.00 0.00

Balance Sheet

FY25 FY24 FY23 FY22 FY21
Share Capital 605.39 603.79 603.34 602.71 601.78
Reserves 821.51 683.35 544.38 404.26 307.75
Total shareholders' funds 1,426.90 1,287.14 1,147.72 1,006.97 909.53
Borrowings 3,130.59 2,994.24 2,888.75 2,606.46 2,852.45
Other Liabilities 371.08 253.79 102.43 138.15 127.00
Total Liabilities 4,101.18 3,264.95 3,000.26 2,756.05 2,988.05
Fixed Assets 15.61 12.76 13.39 8.34 7.00
Capital WIP 0.00 0.00 0.00 0.00 0.00
Investments 0.00 0.00 0.00 0.00 0.00
Other Assets 30.85 18.96 17.20 20.57 15.40
Total Assets 5,529.83 4,552.09 4,147.98 3,763.02 3,897.58
Cash Equivalents 629.03 443.34 318.84 273.47 346.54
Total Current liability 4,086.90 3,255.96 2,993.11 2,749.39 2,983.62
Total Assets -Total Current liabilty 1,442.93 1,296.13 1,154.87 1,013.63 913.96

Cash Flow

FY25 FY24 FY23 FY22 FY21
Net Cash from / (used in) Operating Activity -569.05 39.30 -239.18 175.44 319.70
Net Cash from / (used in) Investing Activity 18.50 21.40 -4.66 -19.45 -18.52
Net Cash from / (used in) Financing Activity 718.70 107.59 287.85 -244.54 -95.01
Net Inc/Dec In Cash And Cash Equivalents 168.15 168.29 44.01 -88.55 206.17

Share Holding Pattern

No. of Shares in Crs. % Holding
Promoters 588.64 97.49%
Non Promoters 15.14 2.51%

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