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Compare GIC HOUSING with HDFC - Equitymaster
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GIC HOUSING vs HDFC - Comparison Results

HDFC 
   Change

HDFC is India's largest housing finance company with strong brand equity and market share of approximately 19%. Besides housing loans, HDFC has also been benefiting from the retail reach of its banking subsidiary (HDFC Bank). Over the years, HDFC has... More

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Current Valuations

    GIC HOUSING HDFC GIC HOUSING/
HDFC
 
P/E (TTM) x 18.6 24.2 77.1% View Chart
P/BV x 4.5 5.5 82.5% View Chart
Dividend Yield % 1.2 1.0 121.2%  

Financials

 GIC HOUSING   HDFC
EQUITY SHARE DATA
    GIC HOUSING
Mar-14
HDFC
Mar-16
GIC HOUSING/
HDFC
5-Yr Chart
Click to enlarge
High Rs1261,370 9.2%   
Low Rs821,012 8.1%   
Income per share (Unadj.) Rs115.8311.4 37.2%  
Earnings per share (Unadj.) Rs18.164.5 28.1%  
Cash flow per share (Unadj.) Rs28.2196.6 14.4%  
Dividends per share (Unadj.) Rs6.0017.00 35.3%  
Avg Dividend yield %5.81.4 405.2%  
Book value per share (Unadj.) Rs113.4322.2 35.2%  
Shares outstanding (eoy) m53.851,579.85 3.4%   
Bonus/Rights/Conversions -WC-  
Avg Price / Income ratio x0.93.8 23.4%   
Avg P/E ratio x5.718.5 31.0%  
Avg P/CF ratio x4.517.0 26.4%  
Avg Price/Bookvalue ratio x0.93.7 24.8%  
Dividend payout %33.126.4 125.7%   
Avg Mkt Cap Rs m5,5871,881,601 0.3%   
No. of employees `0000.22.2 10.0%   
Total wages & salary Rs m1397,881 1.8%   
Avg. income/employee Rs Th28,343.6224,012.8 12.7%   
Avg. wages/employee Rs Th630.03,589.0 17.6%   
Avg. net profit/employee Rs Th4,434.146,403.7 9.6%   
INCOME DATA
Interest income Rs m6,236491,932 1.3%  
Other income Rs m1424,474 0.1%   
Interest expense Rs m4,193202,956 2.1%   
Net interest income Rs m2,043288,976 0.7%  
Operating expense Rs m456197,070 0.2%   
Gross profit Rs m1,58791,906 1.7%  
Gross profit margin %25.518.7 136.2%  
Provisions/contingencies Rs m2688,534 3.1%   
Profit before tax Rs m1,33399,964 1.3%   
Extraordinary Inc (Exp) Rs m016,165 0.0%   
Minority Interest Rs m0-5,280 0.0%   
Prior Period Items Rs m027,446 0.0%   
Tax Rs m35736,393 1.0%   
Profit after tax Rs m976101,903 1.0%  
Net profit margin %15.620.7 75.5%  
BALANCE SHEET DATA
Advances Rs m53,1262,720,856 2.0%   
Deposits Rs m0341,642 0.0%  
Credit/Deposit ratio xNM796.4- 
Yield on advances %11.310.4 109.1%   
Cost of deposits %N.A.7.8-  
Net Interest Margin %3.87.9 48.8%  
Net fixed assets Rs m5213,992 0.4%   
Share capital Rs m5393,160 17.0%   
Free reserves Rs m3,133377,902 0.8%   
Net worth Rs m6,105509,007 1.2%   
Borrowings Rs m36,301846,182 4.3%   
Investments Rs m99954,644 0.0%   
Total assets Rs m55,1813,976,805 1.4%  
Debt/equity ratio x5.92.3 254.8%   
Return on assets %1.82.6 69.0%  
Return on equity %16.020.0 79.8%  
Capital adequacy ratio %17.316.6 104.0%  
Net NPAs %00-  
CASH FLOW
From Operations Rs m-6,890-195,866 3.5%  
From Investments Rs m5-93,123 -0.0%  
From Financial Activity Rs m6,748289,868 2.3%  
Net Cashflow Rs m-138879 -15.7%  

Share Holding

Indian Promoters % 41.5 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.0 10.5 95.2%  
FIIs % 3.4 77.6 4.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 45.2 12.0 376.7%  
Shareholders   39,033 175,570 22.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare GIC HOUSING With:   POWER FIN CORP  L&T FINANCE HOLDINGS  PNB GILTS  MAGMA FINCORP  MAHINDRA FINANCE  



Today's Market

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After opening the day on a flat note, the Indian share markets have reversed the trend and are currently trading above the dotted line.

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Nov 8, 2016

HDFC declared its results for the second quarter (1QFY17). The institution has reported 12.6% YoY growth in net interest income while net profits have grown by 13.8% YoY during 2QFY17.

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Mar 20, 2017

Power Finance Corporation (PFC) declared its results for the third quarter of financial year 2016-17 (3QFY17). The institution has reported a 0.5% YoY fall in net interest income and 23% YoY rise in net profits.

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Aug 17, 2017 03:37 PM

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