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India Home Loan has the GF Score of 61, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes India Home Loan
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
India Home Loan GF Score Related Terms
BOM:530979 vs RKT, FNMA, PFSI: GF Score Comparison
For the Mortgage Finance subindustry, India Home Loan's GF Score, along with its competitors' market caps and GF Score data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
India Home Loan GF Score vs Banks Industry
For the Banks industry and Financial Services sector, India Home Loan's GF Score distribution charts can be found below:
* The bar in red indicates where India Home Loan's GF Score falls into.
India Home Loan (BOM:530979) has a GF Score of 61 as of Aug. 02, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on India Home Loan and its competitors. This is 18% below median its historical median of 74.00. Over the past decade, India Home Loan's GF Score has ranged from 29.00 to 89.00.
Is India Home Loan's GF Score too high?
India Home Loan's current GF Score of 61 is 18% below median its 10-year median of 74.00. Over the past 10 years, this metric has ranged from a low of 29.00 to a high of 89.00. Overall, India Home Loan has a GF Score™ of 61/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does India Home Loan's GF Score compare to RKT and FNMA?
India Home Loan's GF Score of 61 can be compared against companies in the Banks industry. Historically, India Home Loan's own GF Score has ranged from 29.00 to 89.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on India Home Loan and its competitors. India Home Loan's current GF Score is 61, which is 18% below median its own 10-year median of 74.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Home Loan stock overvalued right now?
Based on GuruFocus' analysis, India Home Loan (BOM:530979) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹35.38, compared to a current price of ₹30.69 — trading 13.3% below its estimated fair value. The current GF Score is 61, which is 18% below median its 10-year median of 74.00. India Home Loan's overall GF Score™ is 61/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For India Home Loan (BOM:530979), the current GF Score is 61 as of Aug. 02, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is India Home Loan (BOM:530979) Overvalued in 2026?
Based on GuruFocus' analysis, India Home Loan stock appears to be undervalued.
The current stock price of ₹30.69 is trading 13.3% below its estimated GF Value™ of ₹35.38.
GuruFocus considers India Home Loan to be Modestly Undervalued.
Key valuation signals for BOM:530979:
GF Score: 61 (18% below median its 10-year median of 74.00)
GF Value™: ₹35.38 vs. price of ₹30.69 (13.3% below fair value)
No single metric tells the full story. See the BOM:530979 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
India Home Loan Ltd is a Non-deposit accepting Housing Finance Company. The company offers retail home loan products for affordable housing segments. Under this product, loans are offered to the customers for Purchase of home, home improvement, home extension and for construction of a dwelling unit on an owned plot of land. It specializes on loans to families in the self-employed category where formal income proofs aren't easily available and their repayment capacity is appraised based on their cash flows.
61GF Score
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GF Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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