HB Stockholdings (HBSL)
Score breakdown: P/E: 0/3 · ROCE: 0/2 · Growth: 2/2 · Dividend: 0/1
Key Financials
| Current Price | ₹57.96 |
| Market Cap | ₹41.37 Cr |
| P/E Ratio | 0 |
| ROCE | -9.14% |
| ROE | -7.28% |
| Dividend Yield | 2.02% |
| Profit Growth | 6.6% |
| Debt/Equity | 0.14 |
| Sales Growth | -0.1% |
| Promoter Holding | 53.22% |
| 52-Week Range | ₹42.63 — ₹108.8 |
| Sector | Finance |
| Book Value | ₹110.03 |
AI Analysis
AI-generated, general educational analysis — not personal investment advice.
Let me start with the first lesson from Graham: price is what you pay, value is what you get. At ₹63.11, I am asked to pay a little over ₹40 crore for a company whose book value is ₹148.85 per share. That is a 58% discount to stated book. On its face, this looks like an asset play. But a discount to book is only attractive if the assets are worth the stated value; in an NBFC, that means loan book quality and investments. The current numbers worry me. The company lost money: ROE is -7.28%, ROCE -9.14%, and the latest quarter brought sales of just ₹1 crore against a net loss of ₹4 crore. Trailing P/E of 0.00 is meaningless because there is no earnings power. A 334% sales growth figure impresses nobody when the base is ₹1 crore. Mr. Market is not giving it an earnings multiple; he is giving it a liquidation or asset value. The low debt/equity of 0.13 is a positive, and a Piotroski F-score of 6/9 suggests the balance sheet is not deteriorating in every way. Promoters hold 53.22%, so interests are aligned. The 1.80% dividend yield is surprising for a loss-making firm; I would ask whether it is being paid out of capital or retained earnings. This is not a franchise with a moat; it is a tiny NBFC with a small capital base. I would call it an asset play, not a quality compounder. I would need to stress-test the book value, see the composition of assets and NPAs, and understand why returns are negative. If the book is truly ₹148.85 and can be recovered or made productive, the stock is cheap. If not, a 42 P/B is a value trap. In Buffett's words: there is an inverse relationship between jawboning and capital allocation. Show me the asset quality.
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Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer