BSE: 508956 | NSE: | Finance - NBFC | Small Cap
Past 10 year’s financial track record analysis by Moneyworks4me indicates that HB Leasing & Finance Company Ltd is a below average quality company.
The key valuation ratios of HB Leasing & Finance Company Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of HB Leasing & Finance Company Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 1.9 | 0.3 | 0.8 | 0.6 | 0 | 0.3 | 0.3 | 0.6 | 0.5 | 0.5 | 0 | |
| YoY Gr. Rt. % | - | -86.7% | 200% | -16% | -93.7% | 650% | 0% | 83.3% | -3.6% | -9.4% | - | |
| Adj EPS (₹ ) | 0.3 | -0.4 | 0.1 | 0.2 | -0.4 | -0 | -0 | 0.2 | 0.2 | 0.1 | -0.1 | |
| YoY Gr. Rt. % | - | -237.9% | NA | 144.4% | -259.1% | NA | NA | NA | 5.6% | -63.2% | - | |
| BVPS (₹ ) | 2.2 | 1.8 | 1.9 | 2.1 | 2 | 1.9 | 1.9 | 2.1 | 2.3 | 2.3 | 2.2 | |
| YoY Gr. Rt. % | - | -17.7% | 5% | 11.1% | -7.6% | -1% | -2.1% | 10.1% | 8.7% | 3.1% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 2.6 | -12.6 | 3.1 | 8.3 | -13.6 | -0.5 | -1.5 | 6.9 | 7 | 2.5 | 0 | |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -14.1% | 64.4% | 17% | -9.4% | ||||||||
| Adj EPS | -14.6% | NA | NA | -63.2% | ||||||||
| BVPS | 0.6% | 3.6% | 7.2% | 3.1% | ||||||||
| Share Price | 20.5% | 85.7% | 48.8% | -40.1% | ||||||||
| RATIOS \ YEARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 16.8 | -173 | 13.1 | 37.7 | -907 | -4.3 | -14 | 36.3 | 39.9 | 16.4 | -39.9 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 14 | -19.7 | 4.9 | 10.8 | -17.4 | -0.6 | -2 | 9.1 | 8.8 | 3.1 | -3 | |
Total Income has increased 16.96 CAGR in last 3 years
Return on Equity is Poor
Net Profit has declined 0.00 CAGR in last 3 years
Total income growth is poor in last 4 quarters
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | -0.1 | - |
| TTM Sales (₹ Cr.) | 0.3 | - |
| BVPS (₹.) ⓘ | 2.2 | - |
| Reserves (₹ Cr.) ⓘ | -9 | - |
| P/BV ⓘ | 5.95 | - |
| PE ⓘ | 0.00 | - |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 11.63 / 29.95 |
| All Time Low / High (₹) | 0.45 / 230.00 |
| Market Cap (₹ Cr.) | 17 |
| Equity (₹ Cr.) | 12.9 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 27.5 |
| Jun'12 | YoY Gr. Rt. % | Mar'13 | YoY Gr. Rt. % | Jun'13 | YoY Gr. Rt. % | |
|---|---|---|---|---|---|---|
| Operating Income | 0 | N/A | 0 | N/A | 0.2 | 900 |
| Adj EPS (₹) | -0.20 | N/A | -5.07 | N/A | 3.28 | N/A |
| Net Profit Mgn % | -80.00 | N/A | 109.45 | N/A | 95.59 | 17559 bps |
| Company Name | CMP(₹) | |||||||
|---|---|---|---|---|---|---|---|---|
| Piramal Enterprises | 886.3 | -14.8 (-1.6%) | Small Cap | 10,020 | 23.1 | -16.8 | 39.1 | 0.8 |
| Edelweiss Financial | 87 | -2.3 (-2.6%) | Small Cap | 9,500 | 4.9 | 5.6 | 18.3 | 1.6 |
| Manappuram Finance | 208.1 | 1.7 (0.8%) | Small Cap | 8,848 | 23.3 | 24.8 | 8.9 | 1.4 |
| CreditAccess Grameen | 923.1 | -2.8 (-0.3%) | Small Cap | 5,167 | 55.2 | 28 | 16.8 | 2.2 |
| Spandana Sphoorty | 243.3 | -7.9 (-3.1%) | Small Cap | 2,424 | -66.2 | 20.7 | - | 0.6 |
| Fusion Finance | 141 | -4.9 (-3.3%) | Small Cap | 2,317 | -91.8 | 21.8 | - | 0.8 |
| Muthoot Microfin | 123 | 1.6 (1.3%) | Small Cap | 2,270 | 17.5 | 19.8 | 6.9 | 0.7 |
| Five Star Business | 650.7 | 0.5 (0.1%) | Small Cap | 2,183 | 35 | 38.3 | 18.6 | 3.2 |
| Northern ARC Capital | 170.9 | 0.7 (0.4%) | Small Cap | 1,829 | 17.4 | 15.3 | 9.8 | 0.8 |
| Fedbank Financial | 86 | -0.4 (-0.5%) | Small Cap | 1,577 | 5.9 | 15.5 | 14.6 | 1.3 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income | 17.48 | 0.25 | 0.89 | 0.89 | 0.07 | 0.33 | 0.30 | 0.55 | 0.53 | 0.48 |
| Interest Income | 1.88 | 0.25 | 0.75 | 0.63 | 0.04 | 0.30 | 0.30 | 0.55 | 0.53 | 0.48 |
| Other Income ⓘ | 15.60 | 0 | 0.14 | 0.26 | 0.03 | 0.03 | 0 | 0 | 0 | 0 |
| Expenditure ⓘ | 17.16 | 0.68 | 0.79 | 0.65 | 0.46 | 0.35 | 0.34 | 0.35 | 0.32 | 0.40 |
| Interest Expense ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Operating Expenses ⓘ | 0.81 | 0.66 | 0.63 | 0.38 | 0.45 | 0.34 | 0.25 | 0.35 | 0.29 | 0.37 |
| Provisions | 16.35 | 0.02 | 0.16 | 0.27 | 0.01 | 0.01 | 0.09 | 0 | 0.03 | 0.03 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 0.32 | -0.43 | 0.10 | 0.24 | -0.39 | -0.01 | -0.04 | 0.20 | 0.21 | 0.08 |
| Taxes ⓘ | 0 | 0 | 0.01 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Tax | 0.32 | -0.43 | 0.10 | 0.24 | -0.39 | -0.01 | -0.04 | 0.20 | 0.21 | 0.08 |
| Adjusted EPS (₹) | 0.3 | -0.4 | 0.1 | 0.2 | -0.4 | 0.0 | 0.0 | 0.2 | 0.2 | 0.1 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital | 2.42 | 1.99 | 2.09 | 2.33 | 2.14 | 2.12 | 2.08 | 2.28 | 2.49 | 2.56 |
| Share Capital ⓘ | 11 | 11 | 11 | 11 | 11 | 11 | 11 | 11 | 11 | 11 |
| Reserves ⓘ | -8.58 | -9.02 | -8.92 | -8.68 | -8.86 | -8.88 | -8.92 | -8.72 | -8.52 | -8.44 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long Term Borrowings | 0.01 | 0.01 | 0 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.03 | 0.04 |
| Current Liabilities | 1.06 | 1.43 | 0.78 | 0.53 | 0.68 | 0.83 | 0.74 | 0.64 | 0.62 | 0.62 |
| Trade Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short term borrowings | 0 | 0 | 0 | 0 | 0.16 | 0.31 | 0.21 | 0.06 | 0.06 | 0.06 |
| Other Liabilities | 0 | 0 | 0 | 0 | -0.16 | -0.31 | -0.21 | -0.06 | -0.06 | -0.06 |
| Total Liabilities ⓘ | 3.49 | 3.43 | 2.87 | 2.87 | 2.83 | 2.97 | 2.84 | 2.94 | 3.13 | 3.22 |
Assets | ||||||||||
| Non Current Asset | 2.18 | 1.11 | 0.54 | 0.61 | 0.61 | 0.64 | 0.67 | 0.70 | 0.74 | 0.78 |
| Loan Asset | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non Current Asset ⓘ | 2.18 | 1.11 | 0.54 | 0.61 | 0.61 | 0.64 | 0.67 | 0.70 | 0.74 | 0.78 |
| Current Asset | 1.31 | 2.32 | 2.33 | 2.25 | 2.22 | 2.33 | 2.18 | 2.24 | 2.39 | 2.44 |
| Current Investment | 0 | 0 | 0 | 0 | 0.30 | 0.31 | 0.22 | 0.31 | 0.46 | 0.52 |
| Other Current Asset | 1.31 | 2.32 | 2.33 | 2.25 | 1.91 | 2.03 | 1.96 | 1.92 | 1.93 | 1.92 |
| Total Assets ⓘ | 3.49 | 3.43 | 2.87 | 2.87 | 2.83 | 2.97 | 2.84 | 2.94 | 3.13 | 3.22 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | -1.06 | -0.51 | 0.15 | -0.25 | -0.35 | -0.09 | 0.07 | 0.15 | -0.01 | 0.01 |
| Cash Flow From Investing Activity ⓘ | 1.10 | 0.50 | 0 | 0 | 0.17 | 0 | 0 | -0.01 | 0 | 0 |
| Cash Flow From Financing Activity ⓘ | 0 | 0 | 0 | 0 | 0.16 | 0.16 | -0.10 | -0.15 | 0 | 0 |
| Net Cash Flow ⓘ | 0.04 | -0.01 | 0.15 | -0.25 | -0.03 | 0.06 | -0.03 | -0.01 | -0.01 | 0.01 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios |
||||||||||
| EPS (₹) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DPS (₹) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| BVPS (₹) | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
Performance Ratios | ||||||||||
| ROA (%) | 2.6 | -12.6 | 3.1 | 8.3 | -13.6 | -0.5 | -1.5 | 6.9 | 7.0 | 2.5 |
| ROE (%) | 14.0 | -19.7 | 4.9 | 10.8 | -17.4 | -0.6 | -2.0 | 9.1 | 8.8 | 3.1 |
| ROCE (%) | 14.0 | -19.6 | 5.1 | 10.9 | -16.7 | -0.5 | -1.9 | 8.6 | 8.5 | 3.0 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.9 | 1.6 | 1.1 | 1.1 | 1.0 | 0.3 | 0.8 | 2.9 | 1.5 | 8.1 |
HB Leasing and Finance Company Limited was incorporated on March 13, 1982 for carrying on the activity of proprietory investment in stocks and securities and is a registered Non Banking Financial Company (NBFC) with the Reserve Bank of India.
The main object of the company is to provide integrated financial services such as lease financing, hire purchase financing, venture capital financing and portfolio investment.
In 1987 the company entered newer leasing of leasing contract for imported equipments vendor leasing hire purchase financing and hi-tech industry.
The company entered into institutional financing of consumer durables in the year 1989. The performance of the operational lease division was adversely affected due to detention of its vehicles at various loading and unloading points.
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MoneyWorks4Me rates and ranks mutual funds based on the following data-driven system:
Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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