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CREDITACCESS GRAMEEN vs APTUS VALUE HOUSING FIN. - Comparison Results

Rs 100 invested in...

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Current Valuations

    CREDITACCESS GRAMEEN APTUS VALUE HOUSING FIN. CREDITACCESS GRAMEEN/
APTUS VALUE HOUSING FIN.
 
P/E (TTM) x 17.1 26.4 64.6% View Chart
P/BV x 4.5 4.6 97.5% View Chart
Dividend Yield % 0.0 1.3 -  

Financials

 CREDITACCESS GRAMEEN   APTUS VALUE HOUSING FIN.
EQUITY SHARE DATA
    CREDITACCESS GRAMEEN
Mar-23
APTUS VALUE HOUSING FIN.
Mar-23
CREDITACCESS GRAMEEN/
APTUS VALUE HOUSING FIN.
5-Yr Chart
Click to enlarge
High Rs1,154367 314.8%   
Low Rs834221 377.1%   
Income per share (Unadj.) Rs223.122.0 1,016.2%  
Earnings per share (Unadj.) Rs52.010.1 514.7%  
Cash flow per share (Unadj.) Rs142.116.5 861.5%  
Dividends per share (Unadj.) Rs04.00 0.0%  
Avg Dividend yield %01.4 0.0%  
Book value per share (Unadj.) Rs320.266.9 478.6%  
Shares outstanding (eoy) m158.91498.03 31.9%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x4.513.4 33.3%   
Avg P/E ratio x19.129.1 65.7%  
Avg P/CF ratio x18.527.7 67.0%  
Avg Price/Bookvalue ratio x3.14.4 70.7%  
Dividend payout %039.6 0.0%   
Avg Mkt Cap Rs m157,989146,408 107.9%   
No. of employees `000NANA-   
Total wages & salary Rs m5,1521,213 424.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m35,45110,934 324.2%  
Other income Rs m57384 14.8%   
Interest expense Rs m12,1612,768 439.4%   
Net interest income Rs m23,2908,166 285.2%  
Operating expense Rs m11,7941,941 607.7%   
Gross profit Rs m11,4966,225 184.7%  
Gross profit margin %32.456.9 57.0%  
Provisions/contingencies Rs m265262 100.9%   
Profit before tax Rs m11,0546,537 169.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2,7941,507 185.4%   
Profit after tax Rs m8,2615,030 164.2%  
Net profit margin %23.346.0 50.6%  
BALANCE SHEET DATA
Advances Rs m190,4330-   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-  
Cost of deposits %00-  
Net Interest Margin %11.61,493.2 0.8%  
Net fixed assets Rs m5,990153 3,921.6%   
Share capital Rs m1,589996 159.5%   
Free reserves Rs m49,28732,316 152.5%   
Net worth Rs m50,87633,312 152.7%   
Borrowings Rs m253500 50.5%   
Investments Rs m10,265547 1,877.0%   
Total assets Rs m225,33471,566 314.9%  
Debt/equity ratio x00 33.1%   
Return on assets %3.77.0 52.2%  
Return on equity %16.215.1 107.5%  
Capital adequacy ratio %23.677.4 30.5%  
Net NPAs %0.40.8 46.1%  
CASH FLOW
From Operations Rs m-32,898-10,471 314.2%  
From Investments Rs m-3,1441,107 -284.1%  
From Financial Activity Rs m33,6519,780 344.1%  
Net Cashflow Rs m-2,391416 -575.0%  

Share Holding

Indian Promoters % 0.0 24.5 -  
Foreign collaborators % 66.7 37.6 177.5%  
Indian inst/Mut Fund % 27.8 20.6 134.7%  
FIIs % 12.0 15.4 77.8%  
ADR/GDR % 0.0 0.0 -  
Free float % 33.3 37.9 87.9%  
Shareholders   57,989 142,117 40.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CREDITACCESS GRAMEEN With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    TATA INVESTMENT    


More on CREDITACCESS GRAMEEN vs APTUS VALUE HOUSING FIN.

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

CREDITACCESS GRAMEEN vs APTUS VALUE HOUSING FIN. Share Price Performance

Period CREDITACCESS GRAMEEN APTUS VALUE HOUSING FIN.
1-Day 1.46% 0.03%
1-Month -2.26% -6.24%
1-Year 60.71% 28.48%
3-Year CAGR 28.43% -3.77%
5-Year CAGR 23.56% -2.28%

* Compound Annual Growth Rate

Here are more details on the CREDITACCESS GRAMEEN share price and the APTUS VALUE HOUSING FIN. share price.

Moving on to shareholding structures...

The promoters of CREDITACCESS GRAMEEN hold a 66.7% stake in the company. In case of APTUS VALUE HOUSING FIN. the stake stands at 62.1%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of CREDITACCESS GRAMEEN and the shareholding pattern of APTUS VALUE HOUSING FIN..

Finally, a word on dividends...

In the most recent financial year, CREDITACCESS GRAMEEN paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.

APTUS VALUE HOUSING FIN. paid Rs 4.0, and its dividend payout ratio stood at 39.6%.

You may visit here to review the dividend history of CREDITACCESS GRAMEEN, and the dividend history of APTUS VALUE HOUSING FIN..

For a sector overview, read our finance sector report.



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