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GRUH FINANCE vs LIC HOUSING - Comparison Results

Rs 100 invested in...

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Current Valuations

    GRUH FINANCE LIC HOUSING GRUH FINANCE/
LIC HOUSING
 
P/E (TTM) x 52.0 6.9 753.5% View Chart
P/BV x 12.4 1.2 1,001.5% View Chart
Dividend Yield % 0.6 1.4 45.3%  

Financials

 GRUH FINANCE   LIC HOUSING
EQUITY SHARE DATA
    GRUH FINANCE
Mar-19
LIC HOUSING
Mar-23
GRUH FINANCE/
LIC HOUSING
5-Yr Chart
Click to enlarge
High Rs382444 86.1%   
Low Rs205292 70.1%   
Income per share (Unadj.) Rs27.6412.9 6.7%  
Earnings per share (Unadj.) Rs6.152.6 11.6%  
Cash flow per share (Unadj.) Rs10.1118.6 8.5%  
Dividends per share (Unadj.) Rs2.008.50 23.5%  
Avg Dividend yield %0.72.3 29.5%  
Book value per share (Unadj.) Rs25.6494.2 5.2%  
Shares outstanding (eoy) m733.69550.06 133.4%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x10.60.9 1,192.8%   
Avg P/E ratio x48.17.0 687.9%  
Avg P/CF ratio x48.17.0 688.0%  
Avg Price/Bookvalue ratio x11.40.7 1,537.9%  
Dividend payout %32.816.2 202.9%   
Avg Mkt Cap Rs m215,172202,217 106.4%   
No. of employees `000NANA-   
Total wages & salary Rs m6485,164 12.5%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m20,262227,139 8.9%  
Other income Rs m216143 150.9%   
Interest expense Rs m13,012161,348 8.1%   
Net interest income Rs m7,25065,791 11.0%  
Operating expense Rs m1,28229,637 4.3%   
Gross profit Rs m5,96836,155 16.5%  
Gross profit margin %29.515.9 185.1%  
Provisions/contingencies Rs m04 0.0%   
Profit before tax Rs m6,15035,608 17.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-4 -0.0%   
Prior Period Items Rs m02 0.0%   
Tax Rs m1,6786,696 25.1%   
Profit after tax Rs m4,47228,910 15.5%  
Net profit margin %22.112.7 173.4%  
BALANCE SHEET DATA
Advances Rs m172,8832,677,612 6.5%   
Deposits Rs m035,054 0.0%  
Credit/Deposit ratio x07,638.5- 
Yield on advances %00-   
Cost of deposits %027.4-  
Net Interest Margin %3.92.4 165.0%  
Net fixed assets Rs m1513,885 3.9%   
Share capital Rs m1,4671,101 133.3%   
Free reserves Rs m17,342270,746 6.4%   
Net worth Rs m18,809271,847 6.9%   
Borrowings Rs m150,129344,696 43.6%   
Investments Rs m10,94574,289 14.7%   
Total assets Rs m195,4172,766,631 7.1%  
Debt/equity ratio x8.01.4 571.4%   
Return on assets %2.31.0 219.0%  
Return on equity %23.810.6 223.6%  
Capital adequacy ratio %20.318.2 111.4%  
Net NPAs %0.42.5 14.0%  
CASH FLOW
From Operations Rs m-14,322-196,324 7.3%  
From Investments Rs m491-7,992 -6.1%  
From Financial Activity Rs m24,184202,487 11.9%  
Net Cashflow Rs m10,354-1,830 -565.9%  

Share Holding

Indian Promoters % 47.4 45.2 104.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 30.8 43.7 70.6%  
FIIs % 18.7 21.6 86.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 52.6 54.8 96.0%  
Shareholders   72,213 305,862 23.6%  
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 LIC Housing

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 LIC Housing Share Price Performance

Period GRUH FINANCE LIC Housing
1-Day 3.73% 3.28%
1-Month 27.02% -4.22%
1-Year 13.06% 91.73%
3-Year CAGR 23.04% 13.29%
5-Year CAGR 27.87% 2.69%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of GRUH FINANCE hold a 47.4% stake in the company. In case of LIC Housing the stake stands at 45.2%.

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 LIC Housing.

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%.

LIC Housing paid Rs 8.5, and its dividend payout ratio stood at 16.2%.

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

For a sector overview, read our finance sector report.



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