Introduction
Indiabulls Housing Finance Share Price. When you hear the name Indiabulls Housing Finance, think of one of India’s major housing finance companies though it’s now better known as Sammaan Capital Ltd. Rebranded in 2024, this NBFC has been through several highs and lows. But how is its share price holding up in 2025? Let’s dive in.
Company Overview
History & Background
Launched in 2005, Indiabulls Housing Finance Ltd quickly became a recognized name in the housing finance sector. It offers home loans, loan against property, and construction finance, serving both salaried and self-employed individuals.
In a strategic makeover in 2024, the company dropped the “Indiabulls” name to become Sammaan Capital Ltd, signaling its shift toward a board-led corporate structure.
Core Business Segments
- Home Loans
- Loan Against Property
- Corporate Mortgage Loans
- Real Estate Finance
Stock Market Journey
IPO and Listing Performance
Indiabulls Housing Finance was listed as a separate entity in 2009 after a demerger from Indiabulls Financial Services. Initially, it had a promising ride on the bourses.
Evolution of Share Price
From touching highs of over ₹570 per share in its prime years to falling below ₹120 in 2025, the journey has been quite a rollercoaster.
Indiabulls Housing Finance Share Price in 2025
Current Share Price
As of May 28, 2025, Sammaan Capital Ltd (formerly Indiabulls Housing Finance) trades at approximately ₹116.84 per share.
Year-to-Date Performance
The stock has been relatively volatile in 2025, reflecting sector-wide challenges and macroeconomic uncertainties.
52-Week Highs and Lows
- 52-Week High: ₹186.30
- 52-Week Low: ₹103.85
Price Comparison with Peer Companies
While Indiabulls is struggling, peers like HDFC Ltd and LIC Housing Finance have shown more stable growth, though at higher valuations.
Key Financial Indicators
- Revenue (FY23): ₹8,719.28 crore
- Net Profit (FY23): ₹1,129.7 crore
- Net Interest Income: ₹3,089.3 crore
- EPS: ₹25.19
Financial Ratios
- P/E Ratio: 6.97
- P/B Ratio: 0.41
- ROE: 5.86%
- ROCE: 9.79%
These numbers indicate that while the company is undervalued on paper, the lower ROE is a caution sign.
Dividend Policy
Indiabulls has historically offered modest dividends.
- Dividend Yield: Around 1.2%
- Payout Ratio: Conservative, aiming for reinvestment in core business
Recent Developments
Rebranding to Sammaan Capital
In 2024, the company dropped “Indiabulls” from its name. Why? To remove the legacy tag and invite a fresh brand perception, especially among institutional investors.
Regulatory Changes
Tightened NBFC norms and rising interest rates have impacted liquidity and borrowing costs.
Technical Analysis
- Support Levels: ₹105 – ₹110
- Resistance Levels: ₹135 – ₹145
- 200-day MA: Trending downward
Moving Averages
Short-term moving averages are crossing below long-term ones—generally a bearish signal.
Fundamental Analysis
Strengths
- Diversified loan portfolio
- Large customer base
- Digital loan processing infrastructure
Weaknesses
- High debt-equity ratio (2.43)
- Pressure on margins
- Market perception tied to old brand
Opportunities
- Rising demand for affordable housing
- Strategic partnerships
- Digital transformation
Threats
- Regulatory tightening
- Rising NPAs
- Competition from banks and fintechs
Investor Sentiment
Retail investors remain cautious, while institutions are taking a wait-and-watch approach. The brand shift has created some buzz, but many are waiting for stronger earnings.
Expert Opinions & Ratings
Brokerages remain neutral to bearish, citing:
- Unimpressive returns on equity
- High-risk loan portfolio
- Lack of consistent profitability
However, a few optimists believe it could be a value pick if the company continues to clean its books and grow cautiously.
Future Outlook
Looking ahead:
- Focus on retail loans is expected to continue
- Improvement in corporate governance post-rebranding
- Moderate growth likely, but risks remain high
Should You Invest in Indiabulls Housing Finance in 2025?
Only if you have a high-risk tolerance and a long-term horizon. The stock may offer value at current levels, but challenges are real. Wait for improved earnings and cleaner financials.
Conclusion
Indiabulls Housing Finance—now Sammaan Capital Ltd—is navigating a critical phase. While it’s taken big steps like rebranding and digital upgrades, the stock’s performance still lags behind peers. Investors should tread carefully, keeping an eye on upcoming financial results and broader market trends.
FAQs
1. Why did Indiabulls Housing Finance change its name?
To distance itself from legacy issues and rebrand as a board-led, institutionally governed company.
2. Is the current share price undervalued?
Yes, based on traditional metrics like P/E and P/B, but underlying risks remain.
3. What are the growth prospects?
Moderate growth is expected, driven by retail lending and digital innovations.
4. Is it a good stock for long-term investment?
Only if you can handle volatility and are willing to wait for improved fundamentals.
5. What should investors watch out for?
Monitor earnings reports, asset quality, and how effectively the new brand manages market perception.
