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Compare GIC HOUSING with LIC Housing - Equitymaster
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GIC HOUSING vs LIC HOUSING - Comparison Results

LIC HOUSING 
   Change

LICHF is a key player in the housing finance industry in India with around 9% market share. It was promoted in 1989 by LIC (with a 40% stake). Its capital adequacy ratio stood at 16.7% at the end of FY12, as against a requirement of 12%. The company ... More

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Current Valuations

    GIC HOUSING LIC HOUSING GIC HOUSING/
LIC HOUSING
 
P/E (TTM) x 17.8 16.9 105.8% View Chart
P/BV x 4.3 3.5 122.2% View Chart
Dividend Yield % 1.2 0.9 143.8%  

Financials

 GIC HOUSING   LIC HOUSING
EQUITY SHARE DATA
    GIC HOUSING
Mar-14
LIC HOUSING
Mar-16
GIC HOUSING/
LIC HOUSING
5-Yr Chart
Click to enlarge
High Rs126514 24.5%   
Low Rs82389 21.0%   
Income per share (Unadj.) Rs115.8245.9 47.1%  
Earnings per share (Unadj.) Rs18.133.0 54.8%  
Cash flow per share (Unadj.) Rs28.257.1 49.4%  
Dividends per share (Unadj.) Rs6.005.50 109.1%  
Avg Dividend yield %5.81.2 474.6%  
Book value per share (Unadj.) Rs113.4182.6 62.1%  
Shares outstanding (eoy) m53.85504.66 10.7%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.91.8 48.8%   
Avg P/E ratio x5.713.7 41.9%  
Avg P/CF ratio x4.512.5 36.0%  
Avg Price/Bookvalue ratio x0.92.5 37.0%  
Dividend payout %33.116.6 199.0%   
Avg Mkt Cap Rs m5,587227,778 2.5%   
No. of employees `0000.21.7 12.7%   
Total wages & salary Rs m1391,645 8.4%   
Avg. income/employee Rs Th28,343.671,902.3 39.4%   
Avg. wages/employee Rs Th630.0953.1 66.1%   
Avg. net profit/employee Rs Th4,434.19,662.2 45.9%   
INCOME DATA
Interest income Rs m6,236124,103 5.0%  
Other income Rs m14922 1.5%   
Interest expense Rs m4,19393,066 4.5%   
Net interest income Rs m2,04331,037 6.6%  
Operating expense Rs m4564,644 9.8%   
Gross profit Rs m1,58726,393 6.0%  
Gross profit margin %25.521.3 119.7%  
Provisions/contingencies Rs m2681,565 17.1%   
Profit before tax Rs m1,33325,751 5.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-3 0.0%   
Prior Period Items Rs m04 0.0%   
Tax Rs m3579,074 3.9%   
Profit after tax Rs m97616,677 5.8%  
Net profit margin %15.613.4 116.4%  
BALANCE SHEET DATA
Advances Rs m53,1261,251,732 4.2%   
Deposits Rs m00-  
Credit/Deposit ratio xNMNM- 
Yield on advances %11.39.8 115.6%   
Cost of deposits %N.A.N.A.-  
Net Interest Margin %3.82.5 155.1%  
Net fixed assets Rs m521,024 5.1%   
Share capital Rs m5391,010 53.3%   
Free reserves Rs m3,13391,131 3.4%   
Net worth Rs m6,10592,146 6.6%   
Borrowings Rs m36,301906,581 4.0%   
Investments Rs m992,637 3.8%   
Total assets Rs m55,1811,305,873 4.2%  
Debt/equity ratio x5.99.8 60.4%   
Return on assets %1.81.3 138.4%  
Return on equity %16.018.1 88.3%  
Capital adequacy ratio %17.317.0 101.3%  
Net NPAs %00.2 0.0%  
CASH FLOW
From Operations Rs m-6,890-130,394 5.3%  
From Investments Rs m5-576 -0.8%  
From Financial Activity Rs m6,748140,975 4.8%  
Net Cashflow Rs m-13810,005 -1.4%  

Share Holding

Indian Promoters % 41.5 40.3 103.0%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.0 7.0 142.9%  
FIIs % 3.4 38.0 8.9%  
ADR/GDR % 0.0 0.6 -  
Free float % 45.2 14.2 318.3%  
Shareholders   39,033 159,214 24.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare GIC HOUSING With:   GRUH FINANCE  DEWAN H.FIN.  MAGMA FINCORP  SREI INFRA FINANCE  HDFC  



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Aug 22, 2017 01:08 PM

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