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LIC HOUSING vs GRUH FINANCE - Comparison Results

Rs 100 invested in...

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Current Valuations

    LIC HOUSING GRUH FINANCE LIC HOUSING/
GRUH FINANCE
 
P/E (TTM) x 6.9 52.0 13.3% View Chart
P/BV x 1.2 12.4 10.0% View Chart
Dividend Yield % 1.4 0.6 220.7%  

Financials

 LIC HOUSING   GRUH FINANCE
EQUITY SHARE DATA
    LIC HOUSING
Mar-23
GRUH FINANCE
Mar-19
LIC HOUSING/
GRUH FINANCE
5-Yr Chart
Click to enlarge
High Rs444382 116.1%   
Low Rs292205 142.6%   
Income per share (Unadj.) Rs412.927.6 1,495.3%  
Earnings per share (Unadj.) Rs52.66.1 862.3%  
Cash flow per share (Unadj.) Rs118.610.1 1,170.9%  
Dividends per share (Unadj.) Rs8.502.00 425.0%  
Avg Dividend yield %2.30.7 339.0%  
Book value per share (Unadj.) Rs494.225.6 1,927.8%  
Shares outstanding (eoy) m550.06733.69 75.0%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.910.6 8.4%   
Avg P/E ratio x7.048.1 14.5%  
Avg P/CF ratio x7.048.1 14.5%  
Avg Price/Bookvalue ratio x0.711.4 6.5%  
Dividend payout %16.232.8 49.3%   
Avg Mkt Cap Rs m202,217215,172 94.0%   
No. of employees `000NANA-   
Total wages & salary Rs m5,164648 797.4%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m227,13920,262 1,121.0%  
Other income Rs m143216 66.3%   
Interest expense Rs m161,34813,012 1,240.0%   
Net interest income Rs m65,7917,250 907.5%  
Operating expense Rs m29,6371,282 2,312.5%   
Gross profit Rs m36,1555,968 605.8%  
Gross profit margin %15.929.5 54.0%  
Provisions/contingencies Rs m40-   
Profit before tax Rs m35,6086,150 578.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-40-   
Prior Period Items Rs m20-   
Tax Rs m6,6961,678 399.0%   
Profit after tax Rs m28,9104,472 646.5%  
Net profit margin %12.722.1 57.7%  
BALANCE SHEET DATA
Advances Rs m2,677,612172,883 1,548.8%   
Deposits Rs m35,0540-  
Credit/Deposit ratio x7,638.50- 
Yield on advances %00-   
Cost of deposits %27.40-  
Net Interest Margin %2.43.9 60.6%  
Net fixed assets Rs m3,885151 2,565.9%   
Share capital Rs m1,1011,467 75.0%   
Free reserves Rs m270,74617,342 1,561.2%   
Net worth Rs m271,84718,809 1,445.3%   
Borrowings Rs m344,696150,129 229.6%   
Investments Rs m74,28910,945 678.7%   
Total assets Rs m2,766,631195,417 1,415.8%  
Debt/equity ratio x1.48.0 17.5%   
Return on assets %1.02.3 45.7%  
Return on equity %10.623.8 44.7%  
Capital adequacy ratio %18.220.3 89.8%  
Net NPAs %2.50.4 714.3%  
CASH FLOW
From Operations Rs m-196,324-14,322 1,370.8%  
From Investments Rs m-7,992491 -1,627.4%  
From Financial Activity Rs m202,48724,184 837.3%  
Net Cashflow Rs m-1,83010,354 -17.7%  

Share Holding

Indian Promoters % 45.2 47.4 95.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 43.7 30.8 141.6%  
FIIs % 21.6 18.7 115.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 54.8 52.6 104.2%  
Shareholders   305,862 72,213 423.6%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare LIC HOUSING With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    TATA INVESTMENT    


More on LIC Housing vs GRUH FINANCE

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

Here's a brief comparison:

LIC Housing vs GRUH FINANCE Share Price Performance

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

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

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

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of LIC Housing and the shareholding pattern of GRUH FINANCE.

Finally, a word on dividends...

In the most recent financial year, LIC Housing paid a dividend of Rs 8.5 per share. This amounted to a Dividend Payout ratio of 16.2%.

GRUH FINANCE paid Rs 2.0, and its dividend payout ratio stood at 32.8%.

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

For a sector overview, read our finance sector report.



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