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MOTILAL OSWAL HOME FINANCE LIMITED

  • motilaloswalhf.com
  • Sector: Banks/NBFC
  • CHRYSEUM SCORE: 5.00/10.00
    ×

    MOTILAL OSWAL HOME FINANCE LIMITED

    • Sector: Banks/NBFC
    • CHRYSEUM SCORE: 5.00/10.00

    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

    6.60

    Avg P/B of Key Peers

    3.97

    P/B of Industry

    2.25

    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

    2.34%

    PAT Growth

    48.79%

    BVPS Growth

    12.27%

    Growth Score

    2.50

    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

    2.91%

    Net NPA

    0.42%

    Capital Adequacy

    50.98%

    Key Metrics Score

    1.00

    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.

₹14.05 0.00 (0.00%)

As on 18 Apr, 2025
L 12.95 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 ₹ 14.05
  • No. of Shares outstanding 603.79 Cr.
  • Market Cap ₹ 8,483.20 Cr
Financials
  • Revenue from operations ₹ 577.99 Cr.
  • EBITDA ₹ 426.91 Cr.
  • EBITDA Margin % 73.86%
  • Profit After Tax ₹ 132.52 Cr.
  • PAT Margin % 22.50%
  • EPS 0.22
  • Stock P/E 63.86
  • Book Value Per Share 2.13
  • P/B 6.60
  • Debt/Equity 2.33
Other Key Statistics
  • 52 week High/Low 21.00/12.95
  • Dividend Per Share 0.00
  • Dividend Yield 0.00%
  • Sales Growth - 3 years 2.34%
  • EBITDA Growth - 3 years 3.43%
  • PAT Growth - 3 years 48.79%
  • EPS Growth - 3 years 46.48%
  • ROE 10.30%
  • ROCE 32.54%
  • Cash Equivalents 443.34
All figures below are in INR Crores unless otherwise stated

Peer Comparison

Key Financials - FY24
Company Name Motilal Oswal Home Finance Ltd Aptus Value Housing Finance India Ltd
Listing Status Unlisted Listed
Total Revenue from Operations 577.99 1,365.17
Total Income 589.08 1,416.84
Finance Cost 250.42 387.85
Depreciation & Amortization 5.21 9.30
Total Expenses 417.80 623.68
EBITDA 426.91 1,190.31
PAT 132.52 611.89
No. of Shares Outstanding 603.79 49.89
EPS (in ₹) 0.22 12.26
Equity Share Capital 603.79 99.78
Total Net Worth 1,287.14 3,767.92
Total Assets 4,552.09 9,004.40
Borrowings 2,994.24 5,184.99
Key Metrics:
CMP* 14.05 323.20
Market Cap (In Cr.) 8,483.20 16,124.45
Market Cap/Sales 14.40 11.38
EPS (Earnings Per Share) 0.22 12.26
BVPS (Book Value Per Share) 2.13 75.52
P/E 63.86 26.36
P/BV 6.60 4.28
Debt-Equity 2.33 1.38
EBITDA Margin 73.86% 87.19%
ROE 10.30% 16.24%
ROA 2.91% 6.80%
Gross NPA 0.86% 1.07%
Net NPA 0.42% 0.80%
Capital Adequacy 50.98% 66.76%
*Market Price in ₹ as on 18 Apr, 2025

Profit Loss

FY24 FY23 FY22 FY21 FY20
Revenue from operations 577.99 526.80 521.70 539.19 573.00
Y-o-Y Revenue Growth 9.72% 0.98% -3.24% -5.90% -10.67%
Other Income 11.09 5.13 4.50 6.33 3.44
Total Income 589.08 531.93 526.20 545.52 576.44
Total Expenses (Excludes Interest and Depreciation) 162.17 134.14 174.17 159.70 165.47
Operating Profit (After deducting Depreciation) 410.61 388.97 342.84 373.02 400.73
OPM % 71.04 73.84 65.72 69.18 69.94
EBITDA 426.91 397.79 352.03 385.82 410.97
Depreciation 5.21 3.69 4.69 6.47 6.80
EBIT 421.70 394.10 347.34 379.35 404.17
Interest 250.42 218.56 229.03 288.90 343.26
EBT before Exceptional Items 171.28 175.54 118.31 90.45 60.91
Prior period/Exceptional /Extra Ordinary Items 0.00 0.00 0.00 0.00 0.00
Profit before tax/EBT 171.28 175.54 118.31 90.45 60.91
Tax 38.76 39.18 23.42 50.22 21.84
Net Profit 132.52 136.36 94.89 40.23 39.07
EPS in Rs 0.22 0.23 0.16 0.07 0.07
EPS Change % -4.57% 43.75% 128.57% 0.00% -128.00%
EBITDA Change % 7.32% 13.00% -8.76% -6.12% 108.61%
Profit growth -2.82% 43.70% 135.87% 2.97% -128.54%
ROCE 32.54% 34.13% 34.27% 41.51% 46.27%
ROE 10.30% 11.88% 9.42% 4.42% 4.50%
Debt / Equity Ratio 2.33 2.52 2.59 3.14 1.66
Sales growth 3Years 2.34%
Sales growth 5Years -2.06%
Dividend per share 0.00

Balance Sheet

FY24 FY23 FY22 FY21 FY20
Share Capital 603.79 603.34 602.71 601.78 601.30
Reserves 683.35 544.38 404.26 307.75 266.08
Total shareholders' funds 1,287.14 1,147.72 1,006.97 909.53 867.38
Borrowings 2,994.24 2,888.75 2,606.46 2,852.45 1,439.79
Other Liabilities 253.79 102.43 138.15 127.00 1,577.11
Total Liabilities 3,264.95 3,000.26 2,756.05 2,988.05 3,020.01
Fixed Assets 12.76 13.39 8.34 7.00 13.05
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 18.96 17.20 20.57 15.40 28.86
Total Assets 4,552.09 4,147.98 3,763.02 3,897.58 3,887.39
Cash Equivalents 443.34 318.84 273.47 346.54 116.19
Total Current liability 3,255.96 2,993.11 2,749.39 2,983.62 3,013.93
Total Assets -Total Current liabilty 1,296.13 1,154.87 1,013.63 913.96 873.46

Cash Flow

FY24 FY23 FY22 FY21 FY20
Net Cash from / (used in) Operating Activity 39.30 -239.18 175.44 319.70 -15.55
Net Cash from / (used in) Investing Activity 21.40 -4.66 -19.45 -18.52 43.77
Net Cash from / (used in) Financing Activity 107.59 287.85 -244.54 -95.01 5.24
Net Inc/Dec In Cash And Cash Equivalents 168.29 44.01 -88.55 206.17 33.46

Share Holding Pattern

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

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