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HERITAGE PAC vs KWALITY CREDIT - Comparison Results

Rs 100 invested in...

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Current Valuations

    HERITAGE PAC KWALITY CREDIT HERITAGE PAC/
KWALITY CREDIT
 
P/E (TTM) x 10.1 -802.3 - View Chart
P/BV x 1.1 0.3 342.1% View Chart
Dividend Yield % 0.6 0.0 -  

Financials

 HERITAGE PAC   KWALITY CREDIT
EQUITY SHARE DATA
    HERITAGE PAC
Mar-23
KWALITY CREDIT
Mar-21
HERITAGE PAC/
KWALITY CREDIT
5-Yr Chart
Click to enlarge
High Rs1459 1,589.8%   
Low Rs869 943.0%   
Income per share (Unadj.) Rs57.20.6 9,614.9%  
Earnings per share (Unadj.) Rs19.8-1.2 -1,701.8%  
Cash flow per share (Unadj.) Rs42.0-55,722.2 -0.1%  
Dividends per share (Unadj.) Rs1.200-  
Avg Dividend yield %1.00-  
Book value per share (Unadj.) Rs183.524.6 745.5%  
Shares outstanding (eoy) m3.454.22 81.8%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.015.4 13.2%   
Avg P/E ratio x5.8-7.8 -74.4%  
Avg P/CF ratio x4.00 2,425,858.4%  
Avg Price/Bookvalue ratio x0.60.4 169.8%  
Dividend payout %6.00-   
Avg Mkt Cap Rs m39939 1,034.7%   
No. of employees `000NANA-   
Total wages & salary Rs m292 1,435.2%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m1973 7,860.6%  
Other income Rs m150-   
Interest expense Rs m330 16,645.0%   
Net interest income Rs m1642 7,099.6%  
Operating expense Rs m887 1,246.5%   
Gross profit Rs m76-5 -1,588.3%  
Gross profit margin %38.4-190.2 -20.2%  
Provisions/contingencies Rs m32235,150 0.0%   
Profit before tax Rs m88-5 -1,850.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m200 13,326.7%   
Profit after tax Rs m68-5 -1,391.3%  
Net profit margin %34.7-196.2 -17.7%  
BALANCE SHEET DATA
Advances Rs m8850-   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-  
Cost of deposits %00-  
Net Interest Margin %18.42.5 750.3%  
Net fixed assets Rs m140-   
Share capital Rs m3542 81.7%   
Free reserves Rs m59962 971.0%   
Net worth Rs m633104 609.5%   
Borrowings Rs m2840-   
Investments Rs m594 5.5%   
Total assets Rs m938105 893.4%  
Debt/equity ratio x0.40-   
Return on assets %7.3-4.7 -155.6%  
Return on equity %10.8-4.7 -228.1%  
Capital adequacy ratio %67.80-  
Net NPAs %00-  
CASH FLOW
From Operations Rs m-41-19 218.2%  
From Investments Rs m-319 -17.4%  
From Financial Activity Rs m39NA-  
Net Cashflow Rs m-50 1,093.6%  

Share Holding

Indian Promoters % 59.0 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.0 0.1 -  
FIIs % 0.0 0.0 -  
ADR/GDR % 0.0 0.0 -  
Free float % 41.0 100.0 41.0%  
Shareholders   2,750 1,505 182.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare HERITAGE PAC With:   BAJAJ FINANCE    CHOLAMANDALAM INVEST    BAJAJ HOLDINGS & INVESTMENT    SBI CARDS    EDELWEISS FINANCIAL    


More on HERITAGE PAC vs KWALITY CRED

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 KWALITY CRED Share Price Performance

Period HERITAGE PAC KWALITY CRED
1-Day -3.00% 0.00%
1-Month 1.28% 0.00%
1-Year 68.65% -16.76%
3-Year CAGR 38.09% -10.67%
5-Year CAGR 14.17% -10.66%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of HERITAGE PAC hold a 59.0% stake in the company. In case of KWALITY CRED 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 KWALITY CRED.

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%.

KWALITY CRED 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 KWALITY CRED.



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