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    Financial - Mortgages
Indiabulls Housing Finance Limited

Indiabulls Housing Finance Limited

IBULHSGFIN.NS
Indiabulls Housing Finance LimitedIN flagNational Stock Exchange of India
164.55
INR
+0.15
- -
97.95BMarket Cap
Indiabulls Housing Finance Limited
IBULHSGFIN.NS
(National Stock Exchange of India)

Recent

price

164.55

P/E

ratio

- -

div

yld

- -

ROIC.AI

2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
TTM
FRC
62.26
71.72
85.49
97.58
112.62
151.14
152.57
96.25
62.37
54.94
64.1
44.92
67.17
Revenue per Share
35.85
42.78
49.01
53.38
61.36
81.73
85.48
46.12
24.72
23.56
23.44
16.44
22.73
Basic EPS, GAAP
-103.45
-67.36
-230.11
-265.85
-377.95
-526.02
441.25
404.54
144.87
12.75
81.99
-2.46
- -
Free Cash Flow per Basic Share
21.24
27.76
36.77
48.77
29.09
44.05
42.99
33.39
8.57
- -
0.01
0.8
- -
Dividend per Share
11.49
7.31
13.78
6.22
14.28
29.63
34.72
29.38
22.35
30.33
36.64
1.53
- -
Book Value per Share
151.81
154.2
169.23
241.87
260.95
299.81
342.48
324.15
330.03
331.87
358.45
267.56
- -
Tangible Book Value per Share
350
366
388
439
474
477
479
477
486
500
482
739
548
Basic Weighted Avg Shares
21,788
26,222
33,159
42,865
53,342
72,033
73,012
45,911
30,310
27,460
30,893
33,180
36,834
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
94
79
188
204
231
370
428
1,078
967
774
856
846
850
Depreciation Expense
12,544
15,642
19,011
23,447
29,064
38,954
40,905
21,998
12,016
11,777
11,297
12,144
12,468
Net Income, GAAP
23.51
20.85
23.11
24.8
22.89
20.59
27.59
15.42
23.06
24.3
29.69
26.19
26.16
Effective Tax Rate (%)
57.57
59.65
57.33
54.7
54.49
54.08
56.03
47.91
39.64
42.89
36.57
36.6
33.85
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
319,816
366,437
485,948
625,157
852,729
1,110,564
1,057,562
796,745
688,054
608,436
524,035
484,934
- -
LT Debt
53,258
57,074
66,337
106,939
124,384
143,582
164,689
155,376
161,339
166,741
173,612
197,919
- -
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
467.21
474.09
580.62
612.39
373.03
266.15
143.64
96.6
90.51
68.84
129.27
- -
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'24
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
739
- -
Market Capitalization
98,533
85,776
91,320

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'24
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
44,242
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
14.35%
3.93%
14%
Free Cash Flow
45.48%
50.5%
-104.61%
Net Income, GAAP
1.77%
-18.03%
7.5%
Sales/Revenue/Turnover
5.6%
-12.12%
7.4%
Total Cash Common Dividend
- -
- -
9,253.97%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
5,825
8,212
9,502
7,297
30,893
2024
5,617
8,925
9,001
9,636
33,180
2025
9,272
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
5.71
5.75
5.79
- -
23.44
2024
6.1
5.83
5.68
- -
16.44
2025
5.43
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.01
2024
- -
- -
- -
- -
0.8
2025
- -
- -
- -
- -
- -
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Business
Sammaan Capital Limited, formerly Indiabulls Housing Finance Limited and listed as IBULHSGFIN.NS, operates as a mortgage-focused non-banking financial company (NBFC) registered with the National Housing Bank in India, providing home loans, loans against property, rural home loans, NRI home loans, home renovation loans and home extension loans to salaried individuals, self-employed professionals, MSMEs and corporates. The company maintains a nationwide presence with over 200 offices across Tier I, II and III cities in India, headquartered in New Delhi and founded in 2005. It offers specialized services including balance transfers with top-up facilities, doorstep service, high loan eligibility up to maximum loan-to-value ratios, instant sanctions, attractive interest rates and speedy processing with minimal documentation, alongside digital tools such as EMI calculators, eligibility checks and PMAY subsidy estimators. In March 2024, the company rebranded from Indiabulls Housing Finance Limited to Sammaan Capital Limited to reflect its renewed focus on customer empowerment and respect in housing finance. Recent strategic developments include a $1 billion investment from Abu Dhabi's IHC in 2025, enabling a ramp-up in affordable housing loans and plans for new products like gold loans and personal loans for lower-to-middle-income segments, with ambitions to reach 1 trillion rupees in assets under management by fiscal 2027. The firm prioritizes organic growth while remaining open to future acquisitions, supported by a balance sheet size of approximately 0.70 trillion rupees and over 1.4 million customers.