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HERITAGE PAC vs CORAL INDIA FIN. - Comparison Results

Rs 100 invested in...

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Current Valuations

    HERITAGE PAC CORAL INDIA FIN. HERITAGE PAC/
CORAL INDIA FIN.
 
P/E (TTM) x 10.5 8.6 121.8% View Chart
P/BV x 1.1 1.2 94.8% View Chart
Dividend Yield % 0.6 0.7 85.3%  

Financials

 HERITAGE PAC   CORAL INDIA FIN.
EQUITY SHARE DATA
    HERITAGE PAC
Mar-23
CORAL INDIA FIN.
Mar-23
HERITAGE PAC/
CORAL INDIA FIN.
5-Yr Chart
Click to enlarge
High Rs14550 290.3%   
Low Rs8626 329.9%   
Income per share (Unadj.) Rs57.27.3 779.9%  
Earnings per share (Unadj.) Rs19.84.5 436.4%  
Cash flow per share (Unadj.) Rs42.0-2.4 -1,717.3%  
Dividends per share (Unadj.) Rs1.200.30 400.0%  
Avg Dividend yield %1.00.8 131.6%  
Book value per share (Unadj.) Rs183.537.1 494.5%  
Shares outstanding (eoy) m3.4540.30 8.6%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.05.2 39.0%   
Avg P/E ratio x5.88.4 69.6%  
Avg P/CF ratio x4.02.6 152.3%  
Avg Price/Bookvalue ratio x0.61.0 61.5%  
Dividend payout %6.06.6 91.6%   
Avg Mkt Cap Rs m3991,533 26.0%   
No. of employees `000NANA-   
Total wages & salary Rs m292 1,247.2%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m197296 66.8%  
Other income Rs m1511 132.8%   
Interest expense Rs m330 166,450.0%   
Net interest income Rs m164295 55.5%  
Operating expense Rs m8882 107.0%   
Gross profit Rs m76213 35.6%  
Gross profit margin %38.472.1 53.3%  
Provisions/contingencies Rs m32404 7.9%   
Profit before tax Rs m88223 39.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2040 50.0%   
Profit after tax Rs m68183 37.4%  
Net profit margin %34.762.0 56.0%  
BALANCE SHEET DATA
Advances Rs m8850-   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-  
Cost of deposits %00-  
Net Interest Margin %18.426.4 69.7%  
Net fixed assets Rs m1414 96.4%   
Share capital Rs m3581 42.8%   
Free reserves Rs m5991,415 42.3%   
Net worth Rs m6331,496 42.3%   
Borrowings Rs m2840-   
Investments Rs m51,118 0.5%   
Total assets Rs m9381,641 57.2%  
Debt/equity ratio x0.40-   
Return on assets %7.311.2 65.4%  
Return on equity %10.812.2 88.3%  
Capital adequacy ratio %67.80-  
Net NPAs %00-  
CASH FLOW
From Operations Rs m-41219 -18.9%  
From Investments Rs m-3-88 3.7%  
From Financial Activity Rs m39-12 -325.8%  
Net Cashflow Rs m-5120 -4.3%  

Share Holding

Indian Promoters % 59.0 75.0 78.7%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.0 0.6 -  
FIIs % 0.0 0.6 -  
ADR/GDR % 0.0 0.0 -  
Free float % 41.0 25.0 163.9%  
Shareholders   2,750 15,646 17.6%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare HERITAGE PAC With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    AAVAS FINANCIERS    


More on HERITAGE PAC vs CORAL (I)FIN

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

Here's a brief comparison:

HERITAGE PAC vs CORAL (I)FIN Share Price Performance

Period HERITAGE PAC CORAL (I)FIN
1-Day 4.52% 0.00%
1-Month 5.07% 4.66%
1-Year 82.99% 33.27%
3-Year CAGR 38.49% 21.53%
5-Year CAGR 15.01% 19.71%

* Compound Annual Growth Rate

Here are more details on the HERITAGE PAC share price and the CORAL (I)FIN share price.

Moving on to shareholding structures...

The promoters of HERITAGE PAC hold a 59.0% stake in the company. In case of CORAL (I)FIN the stake stands at 75.0%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of HERITAGE PAC and the shareholding pattern of CORAL (I)FIN.

Finally, a word on dividends...

In the most recent financial year, HERITAGE PAC paid a dividend of Rs 1.2 per share. This amounted to a Dividend Payout ratio of 6.0%.

CORAL (I)FIN paid Rs 0.3, and its dividend payout ratio stood at 6.6%.

You may visit here to review the dividend history of HERITAGE PAC, and the dividend history of CORAL (I)FIN.



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