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HERITAGE PAC vs INDIA FINSEC - Comparison Results

Rs 100 invested in...

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Current Valuations

    HERITAGE PAC INDIA FINSEC HERITAGE PAC/
INDIA FINSEC
 
P/E (TTM) x 9.7 21.6 45.0% View Chart
P/BV x 1.0 3.5 28.8% View Chart
Dividend Yield % 0.6 0.0 -  

Financials

 HERITAGE PAC   INDIA FINSEC
EQUITY SHARE DATA
    HERITAGE PAC
Mar-23
INDIA FINSEC
Mar-23
HERITAGE PAC/
INDIA FINSEC
5-Yr Chart
Click to enlarge
High Rs14546 315.5%   
Low Rs8619 465.4%   
Income per share (Unadj.) Rs57.218.3 312.0%  
Earnings per share (Unadj.) Rs19.81.2 1,618.7%  
Cash flow per share (Unadj.) Rs42.0-464.7 -9.0%  
Dividends per share (Unadj.) Rs1.200-  
Avg Dividend yield %1.00-  
Book value per share (Unadj.) Rs183.524.4 753.4%  
Shares outstanding (eoy) m3.4524.94 13.8%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.01.8 114.9%   
Avg P/E ratio x5.826.3 22.1%  
Avg P/CF ratio x4.00.1 5,873.5%  
Avg Price/Bookvalue ratio x0.61.3 47.6%  
Dividend payout %6.00-   
Avg Mkt Cap Rs m399804 49.6%   
No. of employees `000NANA-   
Total wages & salary Rs m29146 19.5%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m197457 43.2%  
Other income Rs m1512 117.7%   
Interest expense Rs m33171 19.4%   
Net interest income Rs m164286 57.4%  
Operating expense Rs m88211 41.9%   
Gross profit Rs m7675 100.7%  
Gross profit margin %38.416.5 233.3%  
Provisions/contingencies Rs m3211,848 0.3%   
Profit before tax Rs m8864 138.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-15 -0.0%   
Prior Period Items Rs m00-   
Tax Rs m2018 111.2%   
Profit after tax Rs m6831 223.9%  
Net profit margin %34.76.7 518.8%  
BALANCE SHEET DATA
Advances Rs m8852,496 35.5%   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-   
Cost of deposits %00-  
Net Interest Margin %18.411.4 161.8%  
Net fixed assets Rs m1494 14.8%   
Share capital Rs m35249 13.8%   
Free reserves Rs m599358 167.2%   
Net worth Rs m633607 104.2%   
Borrowings Rs m28499 286.5%   
Investments Rs m514 36.1%   
Total assets Rs m9382,773 33.8%  
Debt/equity ratio x0.40.2 274.9%   
Return on assets %7.31.1 662.0%  
Return on equity %10.85.0 214.8%  
Capital adequacy ratio %67.80 169,425.0%  
Net NPAs %00-  
CASH FLOW
From Operations Rs m-41-899 4.6%  
From Investments Rs m-35 -63.9%  
From Financial Activity Rs m39919 4.3%  
Net Cashflow Rs m-525 -20.6%  

Share Holding

Indian Promoters % 59.0 60.5 97.6%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.0 0.0 -  
FIIs % 0.0 0.0 -  
ADR/GDR % 0.0 0.0 -  
Free float % 41.0 39.5 103.6%  
Shareholders   2,904 812 357.6%  
Pledged promoter(s) holding % 0.0 30.1 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare HERITAGE PAC With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    INDIABULLS HOU. FIN.    


More on HERITAGE PAC vs INDIA FINSEC

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 INDIA FINSEC Share Price Performance

Period HERITAGE PAC INDIA FINSEC
1-Day -5.10% 4.83%
1-Month -12.52% 15.15%
1-Year 79.09% 296.13%
3-Year CAGR 31.18% 123.30%
5-Year CAGR 13.36% 43.25%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of HERITAGE PAC hold a 59.0% stake in the company. In case of INDIA FINSEC the stake stands at 60.5%.

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 INDIA FINSEC.

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%.

INDIA FINSEC paid Rs 0.0, and its dividend payout ratio stood at 0.0%.

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



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