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HERITAGE PAC vs HDFC - Comparison Results

Rs 100 invested in...

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Current Valuations

    HERITAGE PAC HDFC HERITAGE PAC/
HDFC
 
P/E (TTM) x 10.0 30.6 32.9% View Chart
P/BV x 1.0 2.5 41.5% View Chart
Dividend Yield % 0.6 1.6 38.7%  

Financials

 HERITAGE PAC   HDFC
EQUITY SHARE DATA
    HERITAGE PAC
Mar-23
HDFC
Mar-23
HERITAGE PAC/
HDFC
5-Yr Chart
Click to enlarge
High Rs1452,855 5.1%   
Low Rs862,027 4.2%   
Income per share (Unadj.) Rs57.2833.7 6.9%  
Earnings per share (Unadj.) Rs19.8142.6 13.9%  
Cash flow per share (Unadj.) Rs42.0692.5 6.1%  
Dividends per share (Unadj.) Rs1.2044.00 2.7%  
Avg Dividend yield %1.01.8 57.6%  
Book value per share (Unadj.) Rs183.51,090.0 16.8%  
Shares outstanding (eoy) m3.451,834.56 0.2%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.02.9 69.1%   
Avg P/E ratio x5.817.1 34.0%  
Avg P/CF ratio x4.017.1 23.3%  
Avg Price/Bookvalue ratio x0.62.2 28.1%  
Dividend payout %6.030.9 19.6%   
Avg Mkt Cap Rs m3994,478,060 0.0%   
No. of employees `000NANA-   
Total wages & salary Rs m2921,600 0.1%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m1971,529,403 0.0%  
Other income Rs m1521,598 0.1%   
Interest expense Rs m33370,286 0.0%   
Net interest income Rs m1641,159,117 0.0%  
Operating expense Rs m88965,098 0.0%   
Gross profit Rs m76194,018 0.0%  
Gross profit margin %38.412.7 302.7%  
Provisions/contingencies Rs m32607 5.2%   
Profit before tax Rs m88321,306 0.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-15,389 -0.0%   
Prior Period Items Rs m00-   
Tax Rs m2044,308 0.0%   
Profit after tax Rs m68261,609 0.0%  
Net profit margin %34.717.1 202.8%  
BALANCE SHEET DATA
Advances Rs m8856,245,515 0.0%   
Deposits Rs m01,109,979 0.0%  
Credit/Deposit ratio x0562.7- 
Yield on advances %00-   
Cost of deposits %09.4-  
Net Interest Margin %18.411.1 165.6%  
Net fixed assets Rs m1498,012 0.0%   
Share capital Rs m353,669 0.9%   
Free reserves Rs m5991,996,058 0.0%   
Net worth Rs m6331,999,727 0.0%   
Borrowings Rs m284876,846 0.0%   
Investments Rs m54,173,582 0.0%   
Total assets Rs m93810,897,807 0.0%  
Debt/equity ratio x0.41.0 45.1%   
Return on assets %7.32.4 304.0%  
Return on equity %10.813.1 82.6%  
Capital adequacy ratio %67.80-  
Net NPAs %00-  
CASH FLOW
From Operations Rs m-41-473,285 0.0%  
From Investments Rs m-3-215,235 0.0%  
From Financial Activity Rs m39693,206 0.0%  
Net Cashflow Rs m-54,687 -0.1%  

Share Holding

Indian Promoters % 59.0 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.0 87.9 -  
FIIs % 0.0 63.6 -  
ADR/GDR % 0.0 0.0 -  
Free float % 41.0 100.0 41.0%  
Shareholders   2,750 720,777 0.4%  
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    EDELWEISS FINANCIAL    


More on HERITAGE PAC vs HDFC

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 HDFC Share Price Performance

Period HERITAGE PAC HDFC
1-Day -0.75% -0.62%
1-Month 0.52% 3.39%
1-Year 67.39% 22.62%
3-Year CAGR 36.46% 13.92%
5-Year CAGR 15.10% 6.83%

* Compound Annual Growth Rate

Here are more details on the HERITAGE PAC share price and the HDFC share price.

Moving on to shareholding structures...

The promoters of HERITAGE PAC hold a 59.0% 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 HERITAGE PAC and the shareholding pattern of HDFC.

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%.

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

You may visit here to review the dividend history of HERITAGE PAC, and the dividend history of HDFC.



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