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CSL FINANCE vs GIC HOUSING - Comparison Results

Rs 100 invested in...

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Current Valuations

    CSL FINANCE GIC HOUSING CSL FINANCE/
GIC HOUSING
 
P/E (TTM) x 19.3 7.4 261.7% View Chart
P/BV x 3.0 0.7 466.7% View Chart
Dividend Yield % 0.5 2.2 23.8%  

Financials

 CSL FINANCE   GIC HOUSING
EQUITY SHARE DATA
    CSL FINANCE
Mar-23
GIC HOUSING
Mar-23
CSL FINANCE/
GIC HOUSING
5-Yr Chart
Click to enlarge
High Rs305248 123.1%   
Low Rs170110 154.6%   
Income per share (Unadj.) Rs57.9207.0 28.0%  
Earnings per share (Unadj.) Rs22.539.6 56.9%  
Cash flow per share (Unadj.) Rs33.0104.2 31.7%  
Dividends per share (Unadj.) Rs2.504.50 55.6%  
Avg Dividend yield %1.12.5 41.9%  
Book value per share (Unadj.) Rs177.9315.6 56.4%  
Shares outstanding (eoy) m20.2453.85 37.6%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x4.10.9 474.4%   
Avg P/E ratio x10.54.5 233.2%  
Avg P/CF ratio x7.14.5 156.3%  
Avg Price/Bookvalue ratio x1.30.6 235.5%  
Dividend payout %11.111.4 97.6%   
Avg Mkt Cap Rs m4,8049,630 49.9%   
No. of employees `000NANA-   
Total wages & salary Rs m158599 26.3%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m1,17211,149 10.5%  
Other income Rs m31,589 0.2%   
Interest expense Rs m2727,029 3.9%   
Net interest income Rs m9014,120 21.9%  
Operating expense Rs m2782,710 10.3%   
Gross profit Rs m6231,409 44.2%  
Gross profit margin %53.112.6 420.2%  
Provisions/contingencies Rs m2250-   
Profit before tax Rs m6152,899 21.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m159766 20.8%   
Profit after tax Rs m4562,133 21.4%  
Net profit margin %38.919.1 203.5%  
BALANCE SHEET DATA
Advances Rs m0103,210 0.0%   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-  
Cost of deposits %00-  
Net Interest Margin %93,815.03.9 2,412,710.4%  
Net fixed assets Rs m74522 14.2%   
Share capital Rs m202539 37.6%   
Free reserves Rs m3,39716,454 20.6%   
Net worth Rs m3,60016,993 21.2%   
Borrowings Rs m3153,481 9.0%   
Investments Rs m12,739 0.0%   
Total assets Rs m7,776108,350 7.2%  
Debt/equity ratio x0.10.2 42.7%   
Return on assets %5.92.0 298.1%  
Return on equity %12.712.5 101.0%  
Capital adequacy ratio %49.931.5 158.6%  
Net NPAs %0.43.3 10.6%  
CASH FLOW
From Operations Rs m-1,66510,432 -16.0%  
From Investments Rs m-21-2,129 1.0%  
From Financial Activity Rs m1,960-12,384 -15.8%  
Net Cashflow Rs m273-4,081 -6.7%  

Share Holding

Indian Promoters % 47.7 42.4 112.5%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 2.7 9.2 29.4%  
FIIs % 1.5 3.3 45.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 52.3 57.6 90.8%  
Shareholders   5,941 58,599 10.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

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


More on CONSOLIDATED SEC. vs GIC HOUSING

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

Here's a brief comparison:

CONSOLIDATED SEC. vs GIC HOUSING Share Price Performance

Period CONSOLIDATED SEC. GIC HOUSING
1-Day 3.09% 1.74%
1-Month 4.96% -9.98%
1-Year 141.35% 41.05%
3-Year CAGR 79.00% 21.12%
5-Year CAGR 36.64% -5.37%

* Compound Annual Growth Rate

Here are more details on the CONSOLIDATED SEC. share price and the GIC HOUSING share price.

Moving on to shareholding structures...

The promoters of CONSOLIDATED SEC. hold a 47.7% stake in the company. In case of GIC HOUSING the stake stands at 42.4%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of CONSOLIDATED SEC. and the shareholding pattern of GIC HOUSING.

Finally, a word on dividends...

In the most recent financial year, CONSOLIDATED SEC. paid a dividend of Rs 2.5 per share. This amounted to a Dividend Payout ratio of 11.1%.

GIC HOUSING paid Rs 4.5, and its dividend payout ratio stood at 11.4%.

You may visit here to review the dividend history of CONSOLIDATED SEC., and the dividend history of GIC HOUSING.

For a sector overview, read our finance sector report.



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