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LIC HOUSING vs HDFC - Comparison Results

Rs 100 invested in...

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Current Valuations

    LIC HOUSING HDFC LIC HOUSING/
HDFC
 
P/E (TTM) x 6.9 30.6 22.6% View Chart
P/BV x 1.2 2.5 48.9% View Chart
Dividend Yield % 1.4 1.6 86.3%  

Financials

 LIC HOUSING   HDFC
EQUITY SHARE DATA
    LIC HOUSING
Mar-23
HDFC
Mar-23
LIC HOUSING/
HDFC
5-Yr Chart
Click to enlarge
High Rs4442,855 15.5%   
Low Rs2922,027 14.4%   
Income per share (Unadj.) Rs412.9833.7 49.5%  
Earnings per share (Unadj.) Rs52.6142.6 36.9%  
Cash flow per share (Unadj.) Rs118.6692.5 17.1%  
Dividends per share (Unadj.) Rs8.5044.00 19.3%  
Avg Dividend yield %2.31.8 128.3%  
Book value per share (Unadj.) Rs494.21,090.0 45.3%  
Shares outstanding (eoy) m550.061,834.56 30.0%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.92.9 30.4%   
Avg P/E ratio x7.017.1 40.9%  
Avg P/CF ratio x7.017.1 41.0%  
Avg Price/Bookvalue ratio x0.72.2 33.2%  
Dividend payout %16.230.9 52.4%   
Avg Mkt Cap Rs m202,2174,478,060 4.5%   
No. of employees `000NANA-   
Total wages & salary Rs m5,16421,600 23.9%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m227,1391,529,403 14.9%  
Other income Rs m14321,598 0.7%   
Interest expense Rs m161,348370,286 43.6%   
Net interest income Rs m65,7911,159,117 5.7%  
Operating expense Rs m29,637965,098 3.1%   
Gross profit Rs m36,155194,018 18.6%  
Gross profit margin %15.912.7 125.5%  
Provisions/contingencies Rs m4607 0.6%   
Profit before tax Rs m35,608321,306 11.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-4-15,389 0.0%   
Prior Period Items Rs m20-   
Tax Rs m6,69644,308 15.1%   
Profit after tax Rs m28,910261,609 11.1%  
Net profit margin %12.717.1 74.4%  
BALANCE SHEET DATA
Advances Rs m2,677,6126,245,515 42.9%   
Deposits Rs m35,0541,109,979 3.2%  
Credit/Deposit ratio x7,638.5562.7 1,357.5%  
Yield on advances %00-   
Cost of deposits %27.49.4 292.8%   
Net Interest Margin %2.411.1 21.5%  
Net fixed assets Rs m3,88598,012 4.0%   
Share capital Rs m1,1013,669 30.0%   
Free reserves Rs m270,7461,996,058 13.6%   
Net worth Rs m271,8471,999,727 13.6%   
Borrowings Rs m344,696876,846 39.3%   
Investments Rs m74,2894,173,582 1.8%   
Total assets Rs m2,766,63110,897,807 25.4%  
Debt/equity ratio x1.41.0 140.6%   
Return on assets %1.02.4 43.5%  
Return on equity %10.613.1 81.3%  
Capital adequacy ratio %18.20-  
Net NPAs %2.50-  
CASH FLOW
From Operations Rs m-196,324-473,285 41.5%  
From Investments Rs m-7,992-215,235 3.7%  
From Financial Activity Rs m202,487693,206 29.2%  
Net Cashflow Rs m-1,8304,687 -39.0%  

Share Holding

Indian Promoters % 45.2 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 43.7 87.9 49.7%  
FIIs % 21.6 63.6 34.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 54.8 100.0 54.8%  
Shareholders   305,862 720,777 42.4%  
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    INDIABULLS HOU. FIN.    


More on LIC Housing vs HDFC

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 HDFC Share Price Performance

Period LIC Housing HDFC
1-Day 3.28% -0.62%
1-Month -4.22% 3.39%
1-Year 91.73% 22.62%
3-Year CAGR 13.29% 13.92%
5-Year CAGR 2.69% 6.83%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of LIC Housing hold a 45.2% 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 LIC Housing and the shareholding pattern of HDFC.

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%.

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

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

For a sector overview, read our finance sector report.



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