Indiabulls Housing Finance Limited (535789) fair value: what the stock is really worth
As of Oct 6, 2026: fair value of Indiabulls Housing Finance Limited ₹171, price ₹134, upside +27.4%, quality 26 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 1, 2026.
How to read this chart
60‑month range ₹80.45 – ₹270.13 · fair‑value band ₹127.79 – ₹255.57 · the ₹134.40 price screens below the ₹171.23 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 1, 2026.
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Indiabulls Housing Finance Limited (535789) currently trades at ₹134.40, while our model-based Fair Value estimate is ₹171.23, implying the stock looks roughly 21.5% undervalued today.
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Valuation
How firm this estimate is: it rests on 8 models at a data quality of 95/100, which puts the evidence level at low.
Scenario range: ₹127.79 (bear) to ₹255.57 (bull), the price of ₹134.40 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 26/100 (below-average quality), in the Financials sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
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.
Key figures
Market cap ₹154B (≈ $1.6B) · Net margin −124% · Return on equity 648% · Return on assets (EBIT) 7.2% · Free cash flow −₹75.2B · Net debt ₹389B.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 29% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financials peers we cover trades at 100% fair-value upside, at 27%, 535789 screens richer than that median.
Fair Value models
Bear ₹127.79Fair Value ₹171.23Bull ₹255.57
Price ₹134.40 · Upside +27.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.19/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−20.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−12.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−10.3%
Start year 2020 (pandemic). Over 10 years: −3.7% a year
Revenue growth 10 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−3.7%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
85.2% (2020) → 78.7% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
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Peer Groupⓘ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.)Financials · 3234 stocks
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Is Indiabulls Housing Finance Limited (535789) overvalued or undervalued?
As of Oct 1, 2026, our model estimates a fair value of ₹171.23 versus a price of ₹134.40, about +27% upside (undervalued).
What is the fair value of 535789?
Our model-based fair value for Indiabulls Housing Finance Limited is ₹171.23 (as of Oct 1, 2026), built from audited fundamentals. The current price: ₹134.40.
What is the quality score of 535789?
Indiabulls Housing Finance Limited has a Quality Score of 26/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Indiabulls Housing Finance Limited (535789)?
Our model-based price target is the fair value of ₹171.23 (as of Oct 1, 2026) from 3 valuation models. Cautious scenario ₹127.79, optimistic scenario ₹255.57. It is a calculation from audited fundamentals, not an analyst target.
What is the Indiabulls Housing Finance Limited stock forecast for 2026?
Our models put fair value at ₹171.23, about +27% upside versus a price of ₹134.40 (undervalued). Cautious scenario ₹127.79, optimistic scenario ₹255.57. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Indiabulls Housing Finance Limited (535789)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Indiabulls Housing Finance Limited it is ₹171.23 per share (as of Oct 1, 2026), against a price of ₹134.40. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is Indiabulls Housing Finance Limited stock overvalued or undervalued in 2026?
As of Oct 1, 2026, 535789 trades below its calculated fair value: price ₹134.40, fair value ₹171.23, a gap of about +27% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 535789?
No. The price is what the market pays today (₹134.40); the fair value is what the company's own numbers justify (₹171.23). For Indiabulls Housing Finance Limited the two are ₹36.83 per share apart. That gap is exactly why we show both numbers side by side.
How much is Indiabulls Housing Finance Limited worth?
The market values Indiabulls Housing Finance Limited at about ₹154B (market capitalisation, as of Oct 1, 2026). Per share that is ₹134.40; our models calculate a fair value of ₹171.23 per share.
What do the bullish and bearish scenarios say about 535789?
Our models span a range for Indiabulls Housing Finance Limited: cautious scenario ₹127.79, base ₹171.23, optimistic ₹255.57 per share (as of Oct 1, 2026, price ₹134.40). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Indiabulls Housing Finance Limited (535789)?
Balance-sheet figures for Indiabulls Housing Finance Limited (as of Oct 1, 2026): debt of 2.52 per unit of equity. They feed the Quality Score of 26/100, which measures business quality independently of the share price.
How far is 535789 from its 52-week high?
Indiabulls Housing Finance Limited trades at ₹134.40, about 29% below its 52-week high of ₹189.90 and 3% above the low of ₹129.95 (as of Oct 6, 2026). Distance from the high says nothing about value: that is what the fair value of ₹171.23 is for.
Which stocks are comparable to Indiabulls Housing Finance Limited?
From the same area (Financials) we also value Federal Home Loan Mortgage Corporation, LTG, Han Kook Capital.Co., Ltd, Sangsangin Co, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Indiabulls Housing Finance Limited stock attractive at the current price?
The data as of Oct 1, 2026: price ₹134.40, calculated fair value ₹171.23 (+27%), Quality Score 26/100, from 3 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 535789 calculated?
We run Indiabulls Housing Finance Limited through 3 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹171.23, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.4 % above its aggregate fair value. Indiabulls Housing Finance Limited currently trades 22 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Indiabulls Housing Finance Limited (535789)?
The closing price on Oct 6, 2026 was ₹134.40. Our model-based fair value is ₹171.23, about +27% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Indiabulls Housing Finance Limited right now?
A fairly wide model range (₹127.79 to ₹255.57) 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.
Key figures of Indiabulls Housing Finance Limited
How large is the market capitalisation of Indiabulls Housing Finance Limited (535789)?
The market capitalisation of Indiabulls Housing Finance Limited is ₹154B (≈ $1.6B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the net margin of Indiabulls Housing Finance Limited (535789)?
The net margin of Indiabulls Housing Finance Limited is −124% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Indiabulls Housing Finance Limited (535789)?
The return on equity (ROE) of Indiabulls Housing Finance Limited is 648% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Indiabulls Housing Finance Limited (535789)?
On an EBIT basis the return on assets of Indiabulls Housing Finance Limited is 7.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How much free cash flow does Indiabulls Housing Finance Limited (535789) generate?
The free cash flow of Indiabulls Housing Finance Limited is −₹75.2B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Indiabulls Housing Finance Limited (535789) carry?
The net debt of Indiabulls Housing Finance Limited is ₹389B (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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