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Motilal Oswal Home Finance Limited Shares
Motilal Oswal Home Finance ( previously Aspire Home Finance Corporation Limited ) is a professionally managed housing finance company incorporated on 01.10.2013, with a unique combination of financially sound and technically experienced promoters who are well known in their domain for professional ethics and strong execution capabilities.
Fundamentals
Financial (In Cr)
| P&L Statement | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|
| Revenue | 86.23 | 1825 | 52 | 118 |
| Cost of Material Consumed | 65.32 | 953 | 24 | 66 |
| Gross Margins | 24.25 | 47.78 | 53.85 | 44.07 |
| Change in Inventory | -0.5 | 165 | 15 | 81 |
| Employee Benefit Expenses | 11.43 | 674 | 464 | 163 |
| Other Expenses | 13.3 | 383 | 47 | 240 |
| EBITDA | -3.32 | -350 | -498 | -432 |
| OPM | -3.85 | -19.18 | -957.69 | -366.1 |
| Other Income | 7.89 | 300 | 103 | 638 |
| Finance Cost | 0.65 | 23 | 0.05 | 0.16 |
| D&A | 0.84 | 75 | 59 | 33 |
| EBIT | -4.16 | -425 | -557 | -465 |
| EBIT Margins | -4.82 | -23.29 | -1071.15 | -394.07 |
| PBT | 3.06 | -148 | -454 | 173 |
| PBT Margins | 3.55 | -8.11 | -873.08 | 146.61 |
| Tax (2021) | 0.66 | -46 | -83 | 10 |
| PAT | 2.4 | -102 | -371 | 163 |
| NPM | 2.78 | -5.59 | -713.46 | 138.14 |
| EPS | 57.14 | -24.29 | -88.33 | 38.81 |
| Financial Ratios | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|
| Operating Profit Margin | -3.85 | -19.18 | -957.69 | -366.1 |
| Net Profit Margin | 2.78 | -5.59 | -713.46 | 138.14 |
| Earning Per Share (Diluted) | 57.14 | -24.29 | -88.33 | 38.81 |
Shareholding Pattern
| Shareholding Pattern | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|
| Pormoters | 0.5727 | 0.5726 | 0.5726 | 0.5727 |
| Others | 0.4273 | 0.4274 | 0.4274 | 0.4273 |
Promoters
| Promoters | Designation | Experience | Linkedin Profile |
|---|---|---|---|
| Vinod Buber | Whole-time Director | 25+ | - |
| Om Prakash Sharma | Director | 20+ | Ashok Kumar Sharma |
| Director | 20+ | - | - |
Consensus estimates suggest that Motilal Oswal Home Finance's share price could range between ₹20 in 2025. This projection is based on factors such as the expansion of real estate markets, increased home loan penetration, and effective risk management in disbursement strategies, which are expected to support stable income and capital appreciation.
Read MoreMotilal Oswal Home Finance is not currently pursuing an IPO. Instead, the company is reportedly in the process of exploring the sale of its housing finance arm. The parent company, Motilal Oswal Financial Services, has appointed an investment bank to identify potential buyers for its 97.49% stake in Motilal Oswal Home Finance. This move comes amid rising deal activity in the affordable housing sector. The valuation of the housing finance business could range between ₹3,612 crore and ₹5,031 crore, based on peer comparisons. This sale could offer unlisted shareholders an attractive exit opportunity, especially if the transaction occurs at a premium.
Read MoreMotilal Oswal Home Finance is considered a growth-oriented stock with a balanced mix of aggressive market expansion and defensive credit quality. Its focus on technological innovations in loan processing and customer servicing distinguishes it from peers. Investors seeking exposure to the real estate financing space might find it attractive due to its robust business model, though careful monitoring of interest rate fluctuations is advised.
Read MoreThe company tends towards a moderate-risk profile given its strong underwriting practices. Credit Risk: Exposure to economic cycles affecting home loan defaults. Interest Rate Risk: Sensitive to changes in monetary policy impacting loan rates. Operational Risk: Integration of new technology platforms can pose implementation challenges.
Read MoreMr. Vineet Kapoor: A senior promoter known for his extensive experience in home finance and credit management. Ms. Rekha Sen: Head of Operations with deep expertise in technology-driven loan processing and customer relationship management.
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