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GIC HOUSING vs HDFC - Comparison Results

Rs 100 invested in...

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Current Valuations

    GIC HOUSING HDFC GIC HOUSING/
HDFC
 
P/E (TTM) x 7.2 30.6 23.7% View Chart
P/BV x 0.6 2.5 25.3% View Chart
Dividend Yield % 2.2 1.6 138.6%  

Financials

 GIC HOUSING   HDFC
EQUITY SHARE DATA
    GIC HOUSING
Mar-23
HDFC
Mar-23
GIC HOUSING/
HDFC
5-Yr Chart
Click to enlarge
High Rs2482,855 8.7%   
Low Rs1102,027 5.4%   
Income per share (Unadj.) Rs207.0833.7 24.8%  
Earnings per share (Unadj.) Rs39.6142.6 27.8%  
Cash flow per share (Unadj.) Rs104.2692.5 15.0%  
Dividends per share (Unadj.) Rs4.5044.00 10.2%  
Avg Dividend yield %2.51.8 139.6%  
Book value per share (Unadj.) Rs315.61,090.0 28.9%  
Shares outstanding (eoy) m53.851,834.56 2.9%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.92.9 29.5%   
Avg P/E ratio x4.517.1 26.4%  
Avg P/CF ratio x4.517.1 26.4%  
Avg Price/Bookvalue ratio x0.62.2 25.3%  
Dividend payout %11.430.9 36.8%   
Avg Mkt Cap Rs m9,6304,478,060 0.2%   
No. of employees `000NANA-   
Total wages & salary Rs m59921,600 2.8%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m11,1491,529,403 0.7%  
Other income Rs m1,58921,598 7.4%   
Interest expense Rs m7,029370,286 1.9%   
Net interest income Rs m4,1201,159,117 0.4%  
Operating expense Rs m2,710965,098 0.3%   
Gross profit Rs m1,409194,018 0.7%  
Gross profit margin %12.612.7 99.6%  
Provisions/contingencies Rs m0607 0.0%   
Profit before tax Rs m2,899321,306 0.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-15,389 -0.0%   
Prior Period Items Rs m00-   
Tax Rs m76644,308 1.7%   
Profit after tax Rs m2,133261,609 0.8%  
Net profit margin %19.117.1 111.8%  
BALANCE SHEET DATA
Advances Rs m103,2106,245,515 1.7%   
Deposits Rs m01,109,979 0.0%  
Credit/Deposit ratio x0562.7- 
Yield on advances %00-   
Cost of deposits %09.4-  
Net Interest Margin %3.911.1 35.0%  
Net fixed assets Rs m52298,012 0.5%   
Share capital Rs m5393,669 14.7%   
Free reserves Rs m16,4541,996,058 0.8%   
Net worth Rs m16,9931,999,727 0.8%   
Borrowings Rs m3,481876,846 0.4%   
Investments Rs m2,7394,173,582 0.1%   
Total assets Rs m108,35010,897,807 1.0%  
Debt/equity ratio x0.21.0 20.6%   
Return on assets %2.02.4 82.0%  
Return on equity %12.513.1 95.9%  
Capital adequacy ratio %31.50-  
Net NPAs %3.30-  
CASH FLOW
From Operations Rs m10,432-473,285 -2.2%  
From Investments Rs m-2,129-215,235 1.0%  
From Financial Activity Rs m-12,384693,206 -1.8%  
Net Cashflow Rs m-4,0814,687 -87.1%  

Share Holding

Indian Promoters % 42.4 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 9.2 87.9 10.4%  
FIIs % 3.3 63.6 5.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 57.6 100.0 57.6%  
Shareholders   58,599 720,777 8.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

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


More on GIC 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:

GIC HOUSING vs HDFC Share Price Performance

Period GIC HOUSING HDFC
1-Day -0.12% -0.62%
1-Month -11.63% 3.39%
1-Year 38.47% 22.62%
3-Year CAGR 20.38% 13.92%
5-Year CAGR -5.72% 6.83%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of GIC HOUSING hold a 42.4% 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 GIC HOUSING and the shareholding pattern of HDFC.

Finally, a word on dividends...

In the most recent financial year, GIC HOUSING paid a dividend of Rs 4.5 per share. This amounted to a Dividend Payout ratio of 11.4%.

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

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

For a sector overview, read our finance sector report.



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