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GIC HOUSING vs HDFC - Comparison Results

HDFC 
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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 4.0 38.5 10.4% View Chart
P/BV x 0.6 3.4 17.6% View Chart
Dividend Yield % 5.0 0.8 594.1%  

Financials

 GIC HOUSING   HDFC
EQUITY SHARE DATA
    GIC HOUSING
Mar-18
HDFC
Mar-20
GIC HOUSING/
HDFC
5-Yr Chart
Click to enlarge
High Rs6162,500 24.6%   
Low Rs3471,473 23.6%   
Income per share (Unadj.) Rs204.1587.3 34.8%  
Earnings per share (Unadj.) Rs34.2131.8 26.0%  
Cash flow per share (Unadj.) Rs54.2422.3 12.8%  
Dividends per share (Unadj.) Rs5.5021.00 26.2%  
Avg Dividend yield %1.11.1 108.0%  
Book value per share (Unadj.) Rs183.9730.2 25.2%  
Shares outstanding (eoy) m53.851,732.05 3.1%   
Bonus/Rights/Conversions -ESOP-  
Avg Price / Income ratio x2.43.4 69.8%   
Avg P/E ratio x14.115.1 93.3%  
Avg P/CF ratio x10.514.8 71.2%  
Avg Price/Bookvalue ratio x2.62.7 96.3%  
Dividend payout %16.115.9 100.8%   
Avg Mkt Cap Rs m25,9343,440,544 0.8%   
No. of employees `0000.33.1 8.8%   
Total wages & salary Rs m29013,567 2.1%   
Avg. income/employee Rs Th40,560.9328,677.6 12.3%   
Avg. wages/employee Rs Th1,070.14,383.4 24.4%   
Avg. net profit/employee Rs Th6,805.573,752.7 9.2%   
INCOME DATA
Interest income Rs m10,9921,017,257 1.1%  
Other income Rs m20702 2.9%   
Interest expense Rs m7,128321,095 2.2%   
Net interest income Rs m3,864696,163 0.6%  
Operating expense Rs m819474,201 0.2%   
Gross profit Rs m3,046221,962 1.4%  
Gross profit margin %27.721.8 127.0%  
Provisions/contingencies Rs m6204,626 13.4%   
Profit before tax Rs m2,718204,472 1.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m057,461 0.0%   
Tax Rs m87433,668 2.6%   
Profit after tax Rs m1,844228,265 0.8%  
Net profit margin %16.822.4 74.8%  
BALANCE SHEET DATA
Advances Rs m112,3514,454,962 2.5%   
Deposits Rs m01,323,048 0.0%  
Credit/Deposit ratio xNM336.7- 
Yield on advances %9.89.6 102.2%   
Cost of deposits %N.A.9.0-  
Net Interest Margin %3.412.8 26.9%  
Net fixed assets Rs m2129,526 0.1%   
Share capital Rs m5393,464 15.6%   
Free reserves Rs m9,3641,261,328 0.7%   
Net worth Rs m9,9021,264,792 0.8%   
Borrowings Rs m76,5121,079,147 7.1%   
Investments Rs m265999,110 0.0%   
Total assets Rs m113,5477,298,149 1.6%  
Debt/equity ratio x7.71.9 406.8%   
Return on assets %1.63.1 51.9%  
Return on equity %18.618.0 103.2%  
Capital adequacy ratio %16.217.6 91.9%  
Net NPAs %01.5 0.0%  
CASH FLOW
From Operations Rs m-17,213-268,850 6.4%  
From Investments Rs m16-98,737 -0.0%  
From Financial Activity Rs m17,148387,738 4.4%  
Net Cashflow Rs m-4920,152 -0.2%  

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:   SREI INFRA FINANCE  IFCI  DHFL  SHRIRAM CITY UNION  JM FINANCIAL  



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