Indiabulls Housing Finance Limited (535789) Fair Value & Analysis
Financials · IN · Market cap ₹86.3B (≈ $915M) · ISIN INE148I01020
What is Indiabulls Housing Finance Limited really worth?
Below-average quality, trading 16% below our fair value of ₹188.06.
Risks
Fair value as of: Aug 21, 2026
From 3 valuation models · updated 15 days ago
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- A fairly wide model range (₹140.34 to ₹280.69) leaves room in how you read the outcome.
- Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 21, 2026.
How to read this chart
60‑month range ₹80.45 – ₹270.13 · fair‑value band ₹140.34 – ₹280.69 · the ₹158.45 price screens below the ₹188.06 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 21, 2026.
Analysis
Indiabulls Housing Finance Limited (535789) currently trades at ₹158.45, while our model-based Fair Value estimate is ₹188.06, implying the stock looks roughly 15.7% undervalued today. The Quality Score stands at 25/100 (below-average quality), in the Financials sector. How firm this estimate is: it rests on 8 models at a data quality of 95/100, which puts the evidence level at low.
Net debt stands at ₹389B. Fundamentals as of Aug 21, 2026
Our scenario range runs from ₹140.34 (bear case) to ₹280.69 (bull case); at ₹158.45, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 18% below its 52-week high and 39% above its 52-week low. For context, the median of 10 Financials peers we cover trades at 100% fair-value upside, at 19%, 535789 screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 3 models by family
Widest divergence: Asset-Based (₹233.53) versus Dividend Discount (₹0.0600). Highest evidence: Gordon GGM (69).
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Key figures & financial health
Figures from reported company fundamentals · as of Aug 21, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 20 · Market factors (momentum, volatility) 52
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Indiabulls Housing Finance Limited reported revenue of ₹57.8B in FY2025 versus ₹89.8B in FY2021, a compound −10.4%/yr. Reported net income was −₹71.4B in FY2025.
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Peer Group
Financials · 3318 stocks
How this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Banking Services” was too small, so the broader sector is used.)
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banking Services stocks, each showing price versus our Fair Value estimate (as of Aug 21, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCKK | $13.00 | $26.00 | +100% |
| SRTRANSFIN SRTRANSFIN | ₹1,134 | ₹1,329 | +17% |
| 532134 532134 | ₹247.00 | ₹187.35 | −24% |
| LTG LTG | 14.88 PHP | 29.76 PHP | +100% |
| 532505 532505 | ₹26.11 | ₹52.22 | +100% |
| 590071 590071 | ₹4,617 | ₹7,978 | +73% |
| 540749 540749 | ₹303.35 | ₹385.27 | +27% |
| Han Kook Capital.Co., Ltd 023760 | 1,410 KRW | 2,820 KRW | +100% |
| 533295 533295 | ₹22.88 | ₹31.07 | +36% |
| Sangsangin Co 038540 | 2,145 KRW | 4,290 KRW | +100% |
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