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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 13.2 24.2 54.4% View Chart
P/BV x 3.5 4.8 73.3% View Chart
Dividend Yield % 1.5 1.0 152.1%  

Financials

 GIC HOUSING   HDFC
EQUITY SHARE DATA
    GIC HOUSING
Mar-14
HDFC
Mar-17
GIC HOUSING/
HDFC
5-Yr Chart
Click to enlarge
High Rs1261,528 8.2%   
Low Rs821,060 7.7%   
Income per share (Unadj.) Rs115.8357.1 32.4%  
Earnings per share (Unadj.) Rs18.169.6 26.0%  
Cash flow per share (Unadj.) Rs28.2245.1 11.5%  
Dividends per share (Unadj.) Rs6.0018.00 33.3%  
Avg Dividend yield %5.81.4 415.8%  
Book value per share (Unadj.) Rs113.4378.0 30.0%  
Shares outstanding (eoy) m53.851,588.67 3.4%   
Bonus/Rights/Conversions -ESOP-  
Avg Price / Income ratio x0.93.6 24.7%   
Avg P/E ratio x5.718.6 30.8%  
Avg P/CF ratio x4.517.3 26.0%  
Avg Price/Bookvalue ratio x0.93.4 26.7%  
Dividend payout %33.125.9 128.0%   
Avg Mkt Cap Rs m5,5872,056,216 0.3%   
No. of employees `0000.22.3 9.5%   
Total wages & salary Rs m1399,130 1.5%   
Avg. income/employee Rs Th28,343.6246,136.2 11.5%   
Avg. wages/employee Rs Th630.03,961.0 15.9%   
Avg. net profit/employee Rs Th4,434.147,944.1 9.2%   
INCOME DATA
Interest income Rs m6,236567,344 1.1%  
Other income Rs m1443,532 0.0%   
Interest expense Rs m4,193219,532 1.9%   
Net interest income Rs m2,043347,812 0.6%  
Operating expense Rs m456247,189 0.2%   
Gross profit Rs m1,587100,623 1.6%  
Gross profit margin %25.517.7 143.5%  
Provisions/contingencies Rs m2688,530 3.1%   
Profit before tax Rs m1,333126,496 1.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-7,970 0.0%   
Prior Period Items Rs m032,194 0.0%   
Tax Rs m35740,208 0.9%   
Profit after tax Rs m976110,511 0.9%  
Net profit margin %15.619.5 80.3%  
BALANCE SHEET DATA
Advances Rs m53,1263,121,287 1.7%   
Deposits Rs m0418,380 0.0%  
Credit/Deposit ratio xNM746.0- 
Yield on advances %11.310.0 113.6%   
Cost of deposits %N.A.7.2-  
Net Interest Margin %3.88.1 47.6%  
Net fixed assets Rs m5213,424 0.4%   
Share capital Rs m5393,177 16.9%   
Free reserves Rs m3,133453,788 0.7%   
Net worth Rs m6,105600,593 1.0%   
Borrowings Rs m36,3011,201,141 3.0%   
Investments Rs m991,190,460 0.0%   
Total assets Rs m55,1814,731,581 1.2%  
Debt/equity ratio x5.92.7 220.5%   
Return on assets %1.82.3 75.7%  
Return on equity %16.018.4 86.8%  
Capital adequacy ratio %17.314.5 119.0%  
Net NPAs %00-  
CASH FLOW
From Operations Rs m-6,890-141,731 4.9%  
From Investments Rs m5-272,283 -0.0%  
From Financial Activity Rs m6,748431,273 1.6%  
Net Cashflow Rs m-13817,259 -0.8%  

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:   DEWAN H.FIN.  CAPITAL FIRST  POWER FIN CORP  IFCI  RURAL ELECT.  



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Feb 23, 2018 (Close)

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