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GIC HOUSING vs POONAWALLA FINCORP - Comparison Results

Rs 100 invested in...

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Current Valuations

    GIC HOUSING POONAWALLA FINCORP GIC HOUSING/
POONAWALLA FINCORP
 
P/E (TTM) x 7.2 24.0 30.1% View Chart
P/BV x 0.6 5.3 11.9% View Chart
Dividend Yield % 2.2 0.4 520.0%  

Financials

 GIC HOUSING   POONAWALLA FINCORP
EQUITY SHARE DATA
    GIC HOUSING
Mar-23
POONAWALLA FINCORP
Mar-23
GIC HOUSING/
POONAWALLA FINCORP
5-Yr Chart
Click to enlarge
High Rs248344 72.1%   
Low Rs110209 52.6%   
Income per share (Unadj.) Rs207.025.2 820.2%  
Earnings per share (Unadj.) Rs39.67.4 534.7%  
Cash flow per share (Unadj.) Rs104.224.5 425.4%  
Dividends per share (Unadj.) Rs4.502.00 225.0%  
Avg Dividend yield %2.50.7 347.8%  
Book value per share (Unadj.) Rs315.687.8 359.4%  
Shares outstanding (eoy) m53.85767.95 7.0%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.911.0 7.9%   
Avg P/E ratio x4.537.3 12.1%  
Avg P/CF ratio x4.537.3 12.1%  
Avg Price/Bookvalue ratio x0.63.1 18.0%  
Dividend payout %11.427.0 42.1%   
Avg Mkt Cap Rs m9,630212,299 4.5%   
No. of employees `000NANA-   
Total wages & salary Rs m5995,148 11.6%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m11,14919,386 57.5%  
Other income Rs m1,5895,920 26.8%   
Interest expense Rs m7,0295,953 118.1%   
Net interest income Rs m4,12013,433 30.7%  
Operating expense Rs m2,71011,303 24.0%   
Gross profit Rs m1,4092,130 66.2%  
Gross profit margin %12.611.0 115.1%  
Provisions/contingencies Rs m00-   
Profit before tax Rs m2,8997,510 38.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-11 -0.0%   
Prior Period Items Rs m00-   
Tax Rs m7661,812 42.3%   
Profit after tax Rs m2,1335,688 37.5%  
Net profit margin %19.129.3 65.2%  
BALANCE SHEET DATA
Advances Rs m103,210152,185 67.8%   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-   
Cost of deposits %00-  
Net Interest Margin %3.98.6 45.3%  
Net fixed assets Rs m5222,214 23.6%   
Share capital Rs m5391,536 35.1%   
Free reserves Rs m16,45465,891 25.0%   
Net worth Rs m16,99367,427 25.2%   
Borrowings Rs m3,48138,744 9.0%   
Investments Rs m2,7394,359 62.8%   
Total assets Rs m108,350231,729 46.8%  
Debt/equity ratio x0.20.6 35.7%   
Return on assets %2.02.5 80.2%  
Return on equity %12.58.4 148.8%  
Capital adequacy ratio %31.538.9 80.8%  
Net NPAs %3.30.8 411.3%  
CASH FLOW
From Operations Rs m10,432-52,365 -19.9%  
From Investments Rs m-2,129-1,105 192.7%  
From Financial Activity Rs m-12,38457,485 -21.5%  
Net Cashflow Rs m-4,0814,015 -101.6%  

Share Holding

Indian Promoters % 42.4 62.1 68.3%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 9.2 13.4 68.7%  
FIIs % 3.3 7.8 42.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 57.6 37.9 151.8%  
Shareholders   58,599 195,334 30.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare GIC HOUSING With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    TATA INVESTMENT    


More on GIC HOUSING vs MAGMA FINCORP

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 MAGMA FINCORP Share Price Performance

Period GIC HOUSING MAGMA FINCORP
1-Day -0.12% -2.16%
1-Month -11.63% 2.11%
1-Year 38.47% 64.90%
3-Year CAGR 20.38% 64.41%
5-Year CAGR -5.72% 31.25%

* Compound Annual Growth Rate

Here are more details on the GIC HOUSING share price and the MAGMA FINCORP share price.

Moving on to shareholding structures...

The promoters of GIC HOUSING hold a 42.4% stake in the company. In case of MAGMA FINCORP the stake stands at 62.1%.

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 MAGMA FINCORP.

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%.

MAGMA FINCORP paid Rs 2.0, and its dividend payout ratio stood at 27.0%.

You may visit here to review the dividend history of GIC HOUSING, and the dividend history of MAGMA FINCORP.

For a sector overview, read our finance sector report.



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