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GRUH FINANCE 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

    GRUH FINANCE HDFC GRUH FINANCE/
HDFC
 
P/E (TTM) x 51.8 31.6 163.9% View Chart
P/BV x 16.8 3.4 489.2% View Chart
Dividend Yield % 1.0 0.9 110.2%  

Financials

 GRUH FINANCE   HDFC
EQUITY SHARE DATA
    GRUH FINANCE
Mar-18
HDFC
Mar-19
GRUH FINANCE/
HDFC
5-Yr Chart
Click to enlarge
High Rs7142,051 34.8%   
Low Rs3681,646 22.3%   
Income per share (Unadj.) Rs46.1528.7 8.7%  
Earnings per share (Unadj.) Rs9.9102.1 9.7%  
Cash flow per share (Unadj.) Rs18.1407.6 4.4%  
Dividends per share (Unadj.) Rs3.3021.00 15.7%  
Avg Dividend yield %0.61.1 53.7%  
Book value per share (Unadj.) Rs37.8649.1 5.8%  
Shares outstanding (eoy) m365.721,721.44 21.2%   
Bonus/Rights/Conversions ESOSESOP-  
Avg Price / Income ratio x11.73.5 335.2%   
Avg P/E ratio x54.518.1 301.2%  
Avg P/CF ratio x49.017.6 278.0%  
Avg Price/Bookvalue ratio x14.32.8 502.8%  
Dividend payout %33.320.6 161.8%   
Avg Mkt Cap Rs m197,7273,182,082 6.2%   
No. of employees `0000.72.8 24.4%   
Total wages & salary Rs m54529,674 1.8%   
Avg. income/employee Rs Th24,381.4320,447.2 7.6%   
Avg. wages/employee Rs Th787.710,448.5 7.5%   
Avg. net profit/employee Rs Th5,241.061,903.2 8.5%   
INCOME DATA
Interest income Rs m16,872910,070 1.9%  
Other income Rs m53851,879 1.0%   
Interest expense Rs m9,825295,253 3.3%   
Net interest income Rs m7,047614,817 1.1%  
Operating expense Rs m1,396485,305 0.3%   
Gross profit Rs m5,652129,512 4.4%  
Gross profit margin %33.514.2 235.4%  
Provisions/contingencies Rs m4064,626 8.8%   
Profit before tax Rs m5,621147,091 3.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m073,898 0.0%   
Tax Rs m1,99445,185 4.4%   
Profit after tax Rs m3,627175,805 2.1%  
Net profit margin %21.519.3 111.3%  
BALANCE SHEET DATA
Advances Rs m157,2064,223,638 3.7%   
Deposits Rs m10,1221,055,989 1.0%  
Credit/Deposit ratio x1,553.0400.0 388.3%  
Yield on advances %10.211.1 92.0%   
Cost of deposits %12.511.2 111.6%   
Net Interest Margin %4.512.3 36.2%  
Net fixed assets Rs m15413,134 1.2%   
Share capital Rs m7313,443 21.2%   
Free reserves Rs m13,0781,113,889 1.2%   
Net worth Rs m13,8091,117,331 1.2%   
Borrowings Rs m66,655903,754 7.4%   
Investments Rs m830766,340 0.1%   
Total assets Rs m159,7106,608,751 2.4%  
Debt/equity ratio x5.61.8 317.0%   
Return on assets %2.32.7 85.4%  
Return on equity %26.315.7 166.9%  
Capital adequacy ratio %18.919.1 99.0%  
Net NPAs %00.8 0.0%  
CASH FLOW
From Operations Rs m-19,296-443,014 4.4%  
From Investments Rs m49-103,156 -0.0%  
From Financial Activity Rs m19,314549,856 3.5%  
Net Cashflow Rs m683,686 1.8%  

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:   L&T FINANCE HOLDINGS  SHRIRAM CITY UNION  IFCI  POWER FINANCE CORPORATION  PNB GILTS  



Today's Market

Sensex Ends 70 Points Higher; Telecom and Banking Stocks Advance(Closing)

Indian share markets traded on a positive note throughout the day and ended marginally higher. The BSE Sensex rose over 350 points intraday.

Related Views on News

HDFC Announces Quarterly Results (1QFY20); Net Profit Up 46.3% (Quarterly Result Update)

Aug 14, 2019 | Updated on Aug 14, 2019

For the quarter ended June 2019, HDFC has posted a net profit of Rs 32 bn (up 46.3% YoY). Sales on the other hand came in at Rs 130 bn (up 30.7% YoY). Read on for a complete analysis of HDFC's quarterly results.

HDFC Announces Quarterly Results (3QFY19); Net Profit Down 62.7% (Quarterly Result Update)

Jan 30, 2019 | Updated on Jan 30, 2019

For the quarter ended December 2018, HDFC has posted a net profit of Rs 21 bn (down 62.7% YoY). Sales on the other hand came in at Rs 106 bn (up 21.6% YoY). Read on for a complete analysis of HDFC's quarterly results.

GRUH FINANCE Announces Quarterly Results (3QFY19); Net Profit Up 18.0% (Quarterly Result Update)

Jan 28, 2019 | Updated on Jan 28, 2019

For the quarter ended December 2018, GRUH FINANCE has posted a net profit of Rs 970 m (up 18.0% YoY). Sales on the other hand came in at Rs 5 bn (up 26.0% YoY). Read on for a complete analysis of GRUH FINANCE's quarterly results.

GRUH FINANCE Announces Quarterly Results (2QFY19); Net Profit Up 35.6% (Quarterly Result Update)

Nov 9, 2018 | Updated on Nov 9, 2018

For the quarter ended September 2018, GRUH FINANCE has posted a net profit of Rs 1 bn (up 35.6% YoY). Sales on the other hand came in at Rs 5 bn (up 16.1% YoY). Read on for a complete analysis of GRUH FINANCE's quarterly results.

HDFC Announces Quarterly Results (2QFY19); Net Profit Up 17.4% (Quarterly Result Update)

Nov 5, 2018 | Updated on Nov 5, 2018

For the quarter ended September 2018, HDFC has posted a net profit of Rs 25 bn (up 17.4% YoY). Sales on the other hand came in at Rs 112 bn (up 28.5% YoY). Read on for a complete analysis of HDFC's quarterly results.

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Oct 15, 2019 (Close)

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