Motilal Oswal
Motilal Oswal Home Finance Limited
- CIN
- —
- ISIN
- INE658R01011
- Incorporated
- —
- Registered state
- —
Key valuation
- Market cap
- ₹6,868 Cr
- P/E
- 43.2x
- Debt / equity
- 2.1x
- Shares outstanding
- 6,07,80,00,000
Prices shown are indicative, dealer-quoted and updated periodically — they are not exchange-traded prices and may differ from the price at which a transaction is finally executed.
Price history
Dated dealer-quote averages, plotted on a true time scale. There is no continuous trading behind these numbers.
Business overview
Motilal Oswal Home Finance came out of the Motilal Oswal Group in 2013, built around affordable housing rather than the big ticket end of the market. Products cover home purchase, construction, renovation, extension and loans against property. The customers are mostly low and middle income households, often people who cannot produce the neat salary slips a large bank wants to see. Underwriting matters more in that segment than it does anywhere else. MOHFL is registered with the RBI as a Housing Finance Company and leans on technology to stop the process dragging on. The retail book is spread across several states with a branch network and sourcing channels behind it. Asset quality has held up reasonably well, which in this corner of lending is the one number that actually tells you something.
Key highlights
- Incorporated in October 2013
Financial snapshot
FY2026
- Revenue FY2026
- ₹800.21 Cr
- EBITDA
- ₹540.57 Cr
- PAT
- ₹158.84 Cr
- Net worth
- ₹1,607.86 Cr
- Total debt
- ₹3,442.24 Cr
- Cash & equivalents
- ₹492.77 Cr
- Operating cash flow
- ₹-947.52 Cr
- EPS
- ₹0.26
Reported financials · FY2019–FY2026
Figures in ₹ crore unless stated.
| Particulars | FY2019 | FY2022 | FY2023 | FY2024 | FY2025 | FY2026 | YoY | CAGR |
|---|---|---|---|---|---|---|---|---|
| Profit & loss | ||||||||
| Revenue from operationsYoY +27.0%CAGR — | — | 522 | 527 | 578 | 630 | 800 | +27.0% | — |
| Other income | 7 | 5 | 5 | 11 | 22 | 1 | — | — |
| Total expenses | 860 | 408 | 356 | 418 | 485 | 592 | — | — |
| EBITDAYoY +29.4%CAGR +24.2% | 183 | 348 | 393 | 416 | 418 | 541 | +29.4% | +24.2% |
| Depreciation & amortisation | 4 | 5 | 4 | 5 | 6 | 6 | — | — |
| EBIT | 179 | 343 | 389 | 411 | 412 | 534 | — | — |
| Finance cost | 404 | 229 | 219 | 250 | 268 | 326 | — | — |
| Profit before taxYoY +25.3%CAGR — | -212 | 118 | 176 | 171 | 166 | 209 | +25.3% | — |
| Tax expense | — | 23 | 39 | 39 | 36 | 50 | — | — |
| Profit after taxYoY +21.9%CAGR — | -137 | 95 | 136 | 133 | 130 | 159 | +21.9% | — |
| Earnings per share | ₹-0.23 | ₹0.16 | ₹0.22 | ₹0.22 | ₹0.21 | ₹0.26 | — | — |
| Balance sheet | ||||||||
| Net worthYoY +12.5%CAGR — | — | 1,007 | 1,148 | 1,287 | 1,429 | 1,608 | +12.5% | — |
| Total debt | — | 1,860 | 2,277 | 2,780 | 0 | 3,442 | — | — |
| Current liabilities | — | 2,749 | 2,993 | 3,256 | 4,087 | 4,694 | — | — |
| Fixed assets | 11 | — | — | — | 16 | 15 | — | — |
| Cash & equivalents | 80 | 231 | 275 | 443 | 306 | 493 | — | — |
| Current assets | — | 3,716 | 4,107 | 4,519 | 5,488 | 6,288 | — | — |
| Total assetsYoY +14.3%CAGR — | — | 3,763 | 4,148 | 4,552 | 5,530 | 6,319 | +14.3% | — |
| Cash flow | ||||||||
| Operating activities | -156 | 175 | -239 | 39 | -569 | -948 | — | — |
| Investing activities | -49 | -19 | -5 | 21 | 19 | -72 | — | — |
| Financing activities | 200 | -245 | 288 | 108 | 719 | 1,206 | — | — |
| Net change in cash | -5 | -89 | 44 | 168 | 168 | 187 | — | — |
Revenue, EBITDA and PAT
₹ crore. A year with no reported figure is left out rather than drawn as zero.
- Revenue
- EBITDA
- PAT
Every ratio here is worked out from the reported figures in the Financials tab, and valuation multiples from the indicative price in the header. Nothing is a stored value. A ratio the filings cannot support (a line not reported, or a zero or negative base) is left out or shown as —, never as a misleading number. Balance-sheet ratios use year-end figures.
Valuation multiples
What the indicative price pays for the latest year's earnings, book and cash. On FY2026 figures and the ₹11.30 indicative price.
- Market cap
- ₹6,868 Cr
- Enterprise value
- ₹9,818 Cr
- Price / earnings (P/E)
- 43.24x
- Price / book (P/B)
- 4.27x
- Price / sales (P/S)
- 8.58x
- EV / EBITDA
- 18.16x
- EV / EBIT
- 18.38x
- EV / sales
- 12.27x
- Earnings yield
- 2.3%
- Cash / market cap
- 7.2%
How these are worked out
- Market cap
- Indicative price × shares outstanding
- Enterprise value
- Market cap + debt − cash
- Price / earnings (P/E)
- Market cap ÷ PAT (profitable years only)
- Price / book (P/B)
- Market cap ÷ net worth
- Price / sales (P/S)
- Market cap ÷ revenue from operations
- EV / EBITDA
- Enterprise value ÷ EBITDA
- EV / EBIT
- Enterprise value ÷ (EBITDA − depreciation)
- EV / sales
- Enterprise value ÷ revenue from operations
- Earnings yield
- PAT ÷ market cap
- Cash / market cap
- Cash & equivalents ÷ market cap
IPO / listing status
The company has not announced IPO details such as a DRHP filing, an expected window or its bankers. This section will update once it does.
Research & news
Information currently unavailable
Nothing has been published on Motilal Oswal yet. Research, news and articles tagged with it will appear here when they are.
Documents
Information currently unavailable
No documents have been catalogued for this company yet.