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Compare GRUH FINANCE with HDFC - Equitymaster

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GRUH FINANCE 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

    GRUH FINANCE HDFC GRUH FINANCE/
HDFC
 
P/E (TTM) x 68.0 17.9 380.3% View Chart
P/BV x 22.2 4.8 458.2% View Chart
Dividend Yield % 0.4 1.0 42.0%  

Financials

 GRUH FINANCE   HDFC
EQUITY SHARE DATA
    GRUH FINANCE
Mar-17
HDFC
Mar-17
GRUH FINANCE/
HDFC
5-Yr Chart
Click to enlarge
High Rs4361,528 28.5%   
Low Rs2391,060 22.5%   
Income per share (Unadj.) Rs39.5357.1 11.1%  
Earnings per share (Unadj.) Rs8.169.6 11.7%  
Cash flow per share (Unadj.) Rs14.5245.1 5.9%  
Dividends per share (Unadj.) Rs2.8018.00 15.6%  
Avg Dividend yield %0.81.4 59.7%  
Book value per share (Unadj.) Rs30.5378.0 8.1%  
Shares outstanding (eoy) m364.561,588.67 22.9%   
Bonus/Rights/Conversions ESOSESOP-  
Avg Price / Income ratio x8.53.6 235.5%   
Avg P/E ratio x41.418.6 222.7%  
Avg P/CF ratio x37.117.3 214.9%  
Avg Price/Bookvalue ratio x11.03.4 322.6%  
Dividend payout %34.425.9 133.0%   
Avg Mkt Cap Rs m122,9482,056,216 6.0%   
No. of employees `0000.72.3 28.8%   
Total wages & salary Rs m4869,130 5.3%   
Avg. income/employee Rs Th21,692.0246,136.2 8.8%   
Avg. wages/employee Rs Th732.13,961.0 18.5%   
Avg. net profit/employee Rs Th4,467.647,944.1 9.3%   
INCOME DATA
Interest income Rs m14,404567,344 2.5%  
Other income Rs m47043,532 1.1%   
Interest expense Rs m9,196219,532 4.2%   
Net interest income Rs m5,207347,812 1.5%  
Operating expense Rs m1,229247,189 0.5%   
Gross profit Rs m3,978100,623 4.0%  
Gross profit margin %27.617.7 155.7%  
Provisions/contingencies Rs m3468,530 4.1%   
Profit before tax Rs m4,420126,496 3.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-7,970 0.0%   
Prior Period Items Rs m032,194 0.0%   
Tax Rs m1,45440,208 3.6%   
Profit after tax Rs m2,967110,511 2.7%  
Net profit margin %20.619.5 105.7%  
BALANCE SHEET DATA
Advances Rs m132,8833,121,287 4.3%   
Deposits Rs m10,175418,380 2.4%  
Credit/Deposit ratio x1,306.0746.0 175.1%  
Yield on advances %10.710.0 107.0%   
Cost of deposits %13.57.2 187.8%   
Net Interest Margin %3.98.1 48.0%  
Net fixed assets Rs m13713,424 1.0%   
Share capital Rs m7293,177 22.9%   
Free reserves Rs m5,726453,788 1.3%   
Net worth Rs m11,132600,593 1.9%   
Borrowings Rs m104,9201,201,141 8.7%   
Investments Rs m1,5811,190,460 0.1%   
Total assets Rs m135,8594,731,581 2.9%  
Debt/equity ratio x10.32.7 383.4%   
Return on assets %2.22.3 93.5%  
Return on equity %26.618.4 144.8%  
Capital adequacy ratio %18.314.5 126.3%  
Net NPAs %00-  
CASH FLOW
From Operations Rs m-17,052-141,731 12.0%  
From Investments Rs m-21-272,283 0.0%  
From Financial Activity Rs m16,925431,273 3.9%  
Net Cashflow Rs m-14917,259 -0.9%  

Share Holding

Indian Promoters % 59.4 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.4 10.5 3.8%  
FIIs % 15.9 77.6 20.5%  
ADR/GDR % 0.0 0.0 -  
Free float % 24.3 12.0 202.5%  
Shareholders   18,801 175,570 10.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare GRUH FINANCE With:   POWER FIN CORP  L&T FINANCE HOLDINGS  SHRIRAM TRANSPORT FIN.  SHRIRAM CITY UNION  SREI INFRA FINANCE  



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