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- GIC HOUSING - MAHINDRA & MAHINDRA FINANCIAL SERVICES
GIC HOUSING vs MAHINDRA & MAHINDRA FINANCIAL SERVICES - Comparison Results
Current Valuations
| GIC HOUSING | MAHINDRA & MAHINDRA FINANCIAL SERVICES | GIC HOUSING/ MAHINDRA & MAHINDRA FINANCIAL SERVICES |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 7.6 | 18.5 | 41.3% | View Chart |
| P/BV | x | 0.7 | 1.9 | 35.7% | View Chart |
| Dividend Yield | % | 2.1 | 2.1 | 99.9% |
Financials
 GIC HOUSING  MAHINDRA & MAHINDRA FINANCIAL SERVICES |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| GIC HOUSING Mar-23 |
MAHINDRA & MAHINDRA FINANCIAL SERVICES Mar-23 |
GIC HOUSING/ MAHINDRA & MAHINDRA FINANCIAL SERVICES |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 248 | 272 | 91.1% | |
| Low | Rs | 110 | 158 | 69.5% | |
| Income per share (Unadj.) | Rs | 207.0 | 102.9 | 201.1% | |
| Earnings per share (Unadj.) | Rs | 39.6 | 16.8 | 235.7% | |
| Cash flow per share (Unadj.) | Rs | 104.2 | 72.1 | 144.4% | |
| Dividends per share (Unadj.) | Rs | 4.50 | 6.00 | 75.0% | |
| Avg Dividend yield | % | 2.5 | 2.8 | 90.2% | |
| Book value per share (Unadj.) | Rs | 315.6 | 150.1 | 210.2% | |
| Shares outstanding (eoy) | m | 53.85 | 1,233.60 | 4.4% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.9 | 2.1 | 41.3% | |
| Avg P/E ratio | x | 4.5 | 12.8 | 35.3% | |
| Avg P/CF ratio | x | 4.5 | 12.7 | 35.7% | |
| Avg Price/Bookvalue ratio | x | 0.6 | 1.4 | 39.5% | |
| Dividend payout | % | 11.4 | 35.7 | 31.8% | |
| Avg Mkt Cap | Rs m | 9,630 | 265,378 | 3.6% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 599 | 21,153 | 2.8% | |
| Avg. income/employee | Rs Th | 0 | 0 | - | |
| Avg. wages/employee | Rs Th | 0 | 0 | - | |
| Avg. net profit/employee | Rs Th | 0 | 0 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 11,149 | 126,995 | 8.8% | |
| Other income | Rs m | 1,589 | 15,570 | 10.2% | |
| Interest expense | Rs m | 7,029 | 50,943 | 13.8% | |
| Net interest income | Rs m | 4,120 | 76,052 | 5.4% | |
| Operating expense | Rs m | 2,710 | 61,198 | 4.4% | |
| Gross profit | Rs m | 1,409 | 14,854 | 9.5% | |
| Gross profit margin | % | 12.6 | 11.7 | 108.1% | |
| Provisions/contingencies | Rs m | 0 | 248 | 0.0% | |
| Profit before tax | Rs m | 2,899 | 28,038 | 10.3% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 12 | 0.0% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 766 | 7,326 | 10.5% | |
| Profit after tax | Rs m | 2,133 | 20,724 | 10.3% | |
| Net profit margin | % | 19.1 | 16.3 | 117.2% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 103,210 | 34,811 | 296.5% | |
| Deposits | Rs m | 0 | 54,587 | 0.0% | |
| Credit/Deposit ratio | x | 0 | 63.8 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 9.8 | - | |
| Net Interest Margin | % | 3.9 | 50.1 | 7.8% | |
| Net fixed assets | Rs m | 522 | 8,706 | 6.0% | |
| Share capital | Rs m | 539 | 2,467 | 21.8% | |
| Free reserves | Rs m | 16,454 | 182,732 | 9.0% | |
| Net worth | Rs m | 16,993 | 185,199 | 9.2% | |
| Borrowings | Rs m | 3,481 | 50,384 | 6.9% | |
| Investments | Rs m | 2,739 | 116,974 | 2.3% | |
| Total assets | Rs m | 108,350 | 1,043,390 | 10.4% | |
| Debt/equity ratio | x | 0.2 | 0.6 | 36.1% | |
| Return on assets | % | 2.0 | 2.0 | 99.1% | |
| Return on equity | % | 12.5 | 11.2 | 112.1% | |
| Capital adequacy ratio | % | 31.5 | 22.5 | 139.7% | |
| Net NPAs | % | 3.3 | 1.9 | 175.9% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 10,432 | -173,953 | -6.0% | |
| From Investments | Rs m | -2,129 | -16,354 | 13.0% | |
| From Financial Activity | Rs m | -12,384 | 188,520 | -6.6% | |
| Net Cashflow | Rs m | -4,081 | -1,787 | 228.4% | |
Share Holding
| Indian Promoters | % | 42.4 | 52.2 | 81.3% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 9.2 | 39.7 | 23.1% | |
| FIIs | % | 3.3 | 12.7 | 25.8% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 57.6 | 47.8 | 120.4% | |
| Shareholders | 58,599 | 239,372 | 24.5% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare GIC HOUSING With: BAJAJ FINANCE CHOLAMANDALAM INVEST BAJAJ HOLDINGS & INVESTMENT SBI CARDS TATA INVESTMENT
More on GIC HOUSING vs M&M Financial
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 M&M Financial Share Price Performance
| Period | GIC HOUSING | M&M Financial |
|---|---|---|
| 1-Day | 1.87% | -2.68% |
| 1-Month | 11.39% | 9.57% |
| 1-Year | 33.10% | 8.44% |
| 3-Year CAGR | 26.11% | 19.65% |
| 5-Year CAGR | -3.40% | 2.33% |
* Compound Annual Growth Rate
Here are more details on the GIC HOUSING share price and the M&M Financial share price.
Moving on to shareholding structures...
The promoters of GIC HOUSING hold a 42.4% stake in the company. In case of M&M Financial the stake stands at 52.2%.
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 M&M Financial.
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%.
M&M Financial paid Rs 6.0, and its dividend payout ratio stood at 35.7%.
You may visit here to review the dividend history of GIC HOUSING, and the dividend history of M&M Financial.
For a sector overview, read our finance sector report.
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