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GRUH FINANCE vs HDFC - Comparison Results

Rs 100 invested in...

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Current Valuations

    GRUH FINANCE HDFC GRUH FINANCE/
HDFC
 
P/E (TTM) x 52.0 30.6 170.2% View Chart
P/BV x 12.4 2.5 489.9% View Chart
Dividend Yield % 0.6 1.6 39.1%  

Financials

 GRUH FINANCE   HDFC
EQUITY SHARE DATA
    GRUH FINANCE
Mar-19
HDFC
Mar-23
GRUH FINANCE/
HDFC
5-Yr Chart
Click to enlarge
High Rs3822,855 13.4%   
Low Rs2052,027 10.1%   
Income per share (Unadj.) Rs27.6833.7 3.3%  
Earnings per share (Unadj.) Rs6.1142.6 4.3%  
Cash flow per share (Unadj.) Rs10.1692.5 1.5%  
Dividends per share (Unadj.) Rs2.0044.00 4.5%  
Avg Dividend yield %0.71.8 37.8%  
Book value per share (Unadj.) Rs25.61,090.0 2.4%  
Shares outstanding (eoy) m733.691,834.56 40.0%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x10.62.9 362.7%   
Avg P/E ratio x48.117.1 281.1%  
Avg P/CF ratio x48.117.1 281.7%  
Avg Price/Bookvalue ratio x11.42.2 510.9%  
Dividend payout %32.830.9 106.3%   
Avg Mkt Cap Rs m215,1724,478,060 4.8%   
No. of employees `000NANA-   
Total wages & salary Rs m64821,600 3.0%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m20,2621,529,403 1.3%  
Other income Rs m21621,598 1.0%   
Interest expense Rs m13,012370,286 3.5%   
Net interest income Rs m7,2501,159,117 0.6%  
Operating expense Rs m1,282965,098 0.1%   
Gross profit Rs m5,968194,018 3.1%  
Gross profit margin %29.512.7 232.2%  
Provisions/contingencies Rs m0607 0.0%   
Profit before tax Rs m6,150321,306 1.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-15,389 -0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,67844,308 3.8%   
Profit after tax Rs m4,472261,609 1.7%  
Net profit margin %22.117.1 129.0%  
BALANCE SHEET DATA
Advances Rs m172,8836,245,515 2.8%   
Deposits Rs m01,109,979 0.0%  
Credit/Deposit ratio x0562.7- 
Yield on advances %00-   
Cost of deposits %09.4-  
Net Interest Margin %3.911.1 35.5%  
Net fixed assets Rs m15198,012 0.2%   
Share capital Rs m1,4673,669 40.0%   
Free reserves Rs m17,3421,996,058 0.9%   
Net worth Rs m18,8091,999,727 0.9%   
Borrowings Rs m150,129876,846 17.1%   
Investments Rs m10,9454,173,582 0.3%   
Total assets Rs m195,41710,897,807 1.8%  
Debt/equity ratio x8.01.0 803.3%   
Return on assets %2.32.4 95.3%  
Return on equity %23.813.1 181.7%  
Capital adequacy ratio %20.30-  
Net NPAs %0.40-  
CASH FLOW
From Operations Rs m-14,322-473,285 3.0%  
From Investments Rs m491-215,235 -0.2%  
From Financial Activity Rs m24,184693,206 3.5%  
Net Cashflow Rs m10,3544,687 220.9%  

Share Holding

Indian Promoters % 47.4 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 30.8 87.9 35.1%  
FIIs % 18.7 63.6 29.5%  
ADR/GDR % 0.0 0.0 -  
Free float % 52.6 100.0 52.6%  
Shareholders   72,213 720,777 10.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

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


More on GRUH FINANCE vs HDFC

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

Here's a brief comparison:

GRUH FINANCE vs HDFC Share Price Performance

Period GRUH FINANCE HDFC
1-Day 3.73% -0.62%
1-Month 27.02% 3.39%
1-Year 13.06% 22.62%
3-Year CAGR 23.04% 13.92%
5-Year CAGR 27.87% 6.83%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of GRUH FINANCE hold a 47.4% stake in the company. In case of HDFC the stake stands at 0.0%.

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

Finally, a word on dividends...

In the most recent financial year, GRUH FINANCE paid a dividend of Rs 2.0 per share. This amounted to a Dividend Payout ratio of 32.8%.

HDFC paid Rs 44.0, and its dividend payout ratio stood at 30.9%.

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

For a sector overview, read our finance sector report.



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