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GIC HOUSING vs GRUH FINANCE - Comparison Results

Rs 100 invested in...

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Current Valuations

    GIC HOUSING GRUH FINANCE GIC HOUSING/
GRUH FINANCE
 
P/E (TTM) x 7.2 52.0 13.9% View Chart
P/BV x 0.6 12.4 5.2% View Chart
Dividend Yield % 2.2 0.6 354.5%  

Financials

 GIC HOUSING   GRUH FINANCE
EQUITY SHARE DATA
    GIC HOUSING
Mar-23
GRUH FINANCE
Mar-19
GIC HOUSING/
GRUH FINANCE
5-Yr Chart
Click to enlarge
High Rs248382 64.9%   
Low Rs110205 53.7%   
Income per share (Unadj.) Rs207.027.6 749.7%  
Earnings per share (Unadj.) Rs39.66.1 649.7%  
Cash flow per share (Unadj.) Rs104.210.1 1,028.3%  
Dividends per share (Unadj.) Rs4.502.00 225.0%  
Avg Dividend yield %2.50.7 369.0%  
Book value per share (Unadj.) Rs315.625.6 1,230.9%  
Shares outstanding (eoy) m53.85733.69 7.3%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.910.6 8.1%   
Avg P/E ratio x4.548.1 9.4%  
Avg P/CF ratio x4.548.1 9.4%  
Avg Price/Bookvalue ratio x0.611.4 5.0%  
Dividend payout %11.432.8 34.6%   
Avg Mkt Cap Rs m9,630215,172 4.5%   
No. of employees `000NANA-   
Total wages & salary Rs m599648 92.5%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m11,14920,262 55.0%  
Other income Rs m1,589216 735.1%   
Interest expense Rs m7,02913,012 54.0%   
Net interest income Rs m4,1207,250 56.8%  
Operating expense Rs m2,7101,282 211.5%   
Gross profit Rs m1,4095,968 23.6%  
Gross profit margin %12.629.5 42.9%  
Provisions/contingencies Rs m00-   
Profit before tax Rs m2,8996,150 47.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m7661,678 45.6%   
Profit after tax Rs m2,1334,472 47.7%  
Net profit margin %19.122.1 86.7%  
BALANCE SHEET DATA
Advances Rs m103,210172,883 59.7%   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-   
Cost of deposits %00-  
Net Interest Margin %3.93.9 98.6%  
Net fixed assets Rs m522151 344.9%   
Share capital Rs m5391,467 36.7%   
Free reserves Rs m16,45417,342 94.9%   
Net worth Rs m16,99318,809 90.3%   
Borrowings Rs m3,481150,129 2.3%   
Investments Rs m2,73910,945 25.0%   
Total assets Rs m108,350195,417 55.4%  
Debt/equity ratio x0.28.0 2.6%   
Return on assets %2.02.3 86.0%  
Return on equity %12.523.8 52.8%  
Capital adequacy ratio %31.520.3 154.9%  
Net NPAs %3.30.4 940.0%  
CASH FLOW
From Operations Rs m10,432-14,322 -72.8%  
From Investments Rs m-2,129491 -433.4%  
From Financial Activity Rs m-12,38424,184 -51.2%  
Net Cashflow Rs m-4,08110,354 -39.4%  

Share Holding

Indian Promoters % 42.4 47.4 89.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 9.2 30.8 29.8%  
FIIs % 3.3 18.7 17.5%  
ADR/GDR % 0.0 0.0 -  
Free float % 57.6 52.6 109.5%  
Shareholders   58,599 72,213 81.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare GIC HOUSING With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    TATA INVESTMENT    


More on GIC HOUSING vs GRUH FINANCE

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

Here's a brief comparison:

GIC HOUSING vs GRUH FINANCE Share Price Performance

Period GIC HOUSING GRUH FINANCE
1-Day -0.12% 3.73%
1-Month -11.63% 27.02%
1-Year 38.47% 13.06%
3-Year CAGR 20.38% 23.04%
5-Year CAGR -5.72% 27.87%

* Compound Annual Growth Rate

Here are more details on the GIC HOUSING share price and the GRUH FINANCE share price.

Moving on to shareholding structures...

The promoters of GIC HOUSING hold a 42.4% stake in the company. In case of GRUH FINANCE the stake stands at 47.4%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of GIC HOUSING and the shareholding pattern of GRUH FINANCE.

Finally, a word on dividends...

In the most recent financial year, GIC HOUSING paid a dividend of Rs 4.5 per share. This amounted to a Dividend Payout ratio of 11.4%.

GRUH FINANCE paid Rs 2.0, and its dividend payout ratio stood at 32.8%.

You may visit here to review the dividend history of GIC HOUSING, and the dividend history of GRUH FINANCE.

For a sector overview, read our finance sector report.



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