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REC vs LIC HOUSING - Comparison Results

Rs 100 invested in...

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Current Valuations

    REC LIC HOUSING REC/
LIC HOUSING
 
P/E (TTM) x 9.0 6.9 130.9% View Chart
P/BV x 2.0 1.2 165.2% View Chart
Dividend Yield % 2.8 1.4 200.9%  

Financials

 REC   LIC HOUSING
EQUITY SHARE DATA
    REC
Mar-23
LIC HOUSING
Mar-23
REC/
LIC HOUSING
5-Yr Chart
Click to enlarge
High Rs128444 29.0%   
Low Rs82292 28.2%   
Income per share (Unadj.) Rs149.9412.9 36.3%  
Earnings per share (Unadj.) Rs42.452.6 80.7%  
Cash flow per share (Unadj.) Rs59.8118.6 50.4%  
Dividends per share (Unadj.) Rs12.608.50 148.2%  
Avg Dividend yield %12.02.3 517.3%  
Book value per share (Unadj.) Rs220.7494.2 44.7%  
Shares outstanding (eoy) m2,633.22550.06 478.7%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.70.9 78.9%   
Avg P/E ratio x2.57.0 35.5%  
Avg P/CF ratio x2.57.0 35.5%  
Avg Price/Bookvalue ratio x0.50.7 64.2%  
Dividend payout %29.716.2 183.7%   
Avg Mkt Cap Rs m277,377202,217 137.2%   
No. of employees `000NANA-   
Total wages & salary Rs m2,0415,164 39.5%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m394,783227,139 173.8%  
Other income Rs m419143 292.6%   
Interest expense Rs m237,413161,348 147.1%   
Net interest income Rs m157,36965,791 239.2%  
Operating expense Rs m18,56929,637 62.7%   
Gross profit Rs m138,80036,155 383.9%  
Gross profit margin %35.215.9 220.9%  
Provisions/contingencies Rs m864 2,217.3%   
Profit before tax Rs m138,97735,608 390.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-4 -0.0%   
Prior Period Items Rs m02 0.0%   
Tax Rs m27,3076,696 407.8%   
Profit after tax Rs m111,67028,910 386.3%  
Net profit margin %28.312.7 222.2%  
BALANCE SHEET DATA
Advances Rs m4,220,8392,677,612 157.6%   
Deposits Rs m035,054 0.0%  
Credit/Deposit ratio x07,638.5- 
Yield on advances %00-   
Cost of deposits %027.4-  
Net Interest Margin %3.52.4 145.4%  
Net fixed assets Rs m6,4083,885 165.0%   
Share capital Rs m31,9161,101 2,899.4%   
Free reserves Rs m549,289270,746 202.9%   
Net worth Rs m581,205271,847 213.8%   
Borrowings Rs m191,227344,696 55.5%   
Investments Rs m305,38174,289 411.1%   
Total assets Rs m4,648,9262,766,631 168.0%  
Debt/equity ratio x0.31.4 23.6%   
Return on assets %2.41.0 229.9%  
Return on equity %19.210.6 180.7%  
Capital adequacy ratio %25.818.2 141.4%  
Net NPAs %1.02.5 41.6%  
CASH FLOW
From Operations Rs m-373,598-196,324 190.3%  
From Investments Rs m-9,430-7,992 118.0%  
From Financial Activity Rs m381,228202,487 188.3%  
Net Cashflow Rs m-1,799-1,830 98.3%  

Share Holding

Indian Promoters % 52.6 45.2 116.3%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 34.8 43.7 79.7%  
FIIs % 20.6 21.6 95.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 47.4 54.8 86.5%  
Shareholders   689,192 305,862 225.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

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


More on REC vs LIC Housing

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

Here's a brief comparison:

REC vs LIC Housing Share Price Performance

Period REC LIC Housing
1-Day 1.19% 3.28%
1-Month 5.67% -4.22%
1-Year 295.09% 91.73%
3-Year CAGR 67.26% 13.29%
5-Year CAGR 32.12% 2.69%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of REC hold a 52.6% stake in the company. In case of LIC Housing the stake stands at 45.2%.

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

Finally, a word on dividends...

In the most recent financial year, REC paid a dividend of Rs 12.6 per share. This amounted to a Dividend Payout ratio of 29.7%.

LIC Housing paid Rs 8.5, and its dividend payout ratio stood at 16.2%.

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

For a sector overview, read our finance sector report.



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