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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 58.4 23.9 244.0% View Chart
P/BV x 21.6 5.4 399.1% View Chart
Dividend Yield % 0.5 1.0 47.4%  

Financials

 GRUH FINANCE   HDFC
EQUITY SHARE DATA
    GRUH FINANCE
Mar-16
HDFC
Mar-16
GRUH FINANCE/
HDFC
5-Yr Chart
Click to enlarge
High Rs2771,370 20.2%   
Low Rs2151,012 21.2%   
Income per share (Unadj.) Rs33.8311.4 10.8%  
Earnings per share (Unadj.) Rs6.764.5 10.4%  
Cash flow per share (Unadj.) Rs12.0196.6 6.1%  
Dividends per share (Unadj.) Rs2.3017.00 13.5%  
Avg Dividend yield %0.91.4 65.5%  
Book value per share (Unadj.) Rs23.0322.2 7.1%  
Shares outstanding (eoy) m363.681,579.85 23.0%   
Bonus/Rights/Conversions ESOSWC-  
Avg Price / Income ratio x7.33.8 190.4%   
Avg P/E ratio x36.718.5 198.8%  
Avg P/CF ratio x34.017.0 199.5%  
Avg Price/Bookvalue ratio x10.73.7 289.6%  
Dividend payout %34.326.4 130.3%   
Avg Mkt Cap Rs m89,4111,881,601 4.8%   
No. of employees `0000.62.2 29.2%   
Total wages & salary Rs m4287,881 5.4%   
Avg. income/employee Rs Th19,155.1224,012.8 8.6%   
Avg. wages/employee Rs Th667.73,589.0 18.6%   
Avg. net profit/employee Rs Th3,800.046,403.7 8.2%   
INCOME DATA
Interest income Rs m12,278491,932 2.5%  
Other income Rs m47624,474 1.9%   
Interest expense Rs m7,961202,956 3.9%   
Net interest income Rs m4,318288,976 1.5%  
Operating expense Rs m927197,070 0.5%   
Gross profit Rs m3,39191,906 3.7%  
Gross profit margin %27.618.7 147.8%  
Provisions/contingencies Rs m1958,534 2.3%   
Profit before tax Rs m3,61799,964 3.6%   
Extraordinary Inc (Exp) Rs m016,165 0.0%   
Minority Interest Rs m0-5,280 0.0%   
Prior Period Items Rs m027,446 0.0%   
Tax Rs m1,18136,393 3.2%   
Profit after tax Rs m2,436101,903 2.4%  
Net profit margin %19.820.7 95.8%  
BALANCE SHEET DATA
Advances Rs m105,7492,720,856 3.9%   
Deposits Rs m10,017341,642 2.9%  
Credit/Deposit ratio x1,055.7796.4 132.6%  
Yield on advances %11.410.4 109.8%   
Cost of deposits %13.27.8 169.5%   
Net Interest Margin %4.17.9 51.8%  
Net fixed assets Rs m14613,992 1.0%   
Share capital Rs m7273,160 23.0%   
Free reserves Rs m3,789377,902 1.0%   
Net worth Rs m8,353509,007 1.6%   
Borrowings Rs m86,282846,182 10.2%   
Investments Rs m330954,644 0.0%   
Total assets Rs m114,4263,976,805 2.9%  
Debt/equity ratio x11.52.3 494.0%   
Return on assets %2.12.6 83.1%  
Return on equity %29.220.0 145.7%  
Capital adequacy ratio %17.816.6 107.3%  
Net NPAs %00-  
CASH FLOW
From Operations Rs m-19,187-195,866 9.8%  
From Investments Rs m-44-93,123 0.0%  
From Financial Activity Rs m19,423289,868 6.7%  
Net Cashflow Rs m192879 21.8%  

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:   IDFC LIMITED  MAHINDRA FINANCE  SREI INFRA FINANCE  MAGMA FINCORP  L&T FINANCE HOLDINGS  



Today's Market

Post Noon Sell-Off; Infosys Falls 5.4%(Closing)

Share markets in India witnessed a sharp fall in the final minutes of trade. At the closing bell, the BSE Sensex closed lower by 266 points. While, the NSE Nifty finished lower by 83 points.

Related Views on News

HDFC: Red Flag in Developer Loans (Quarterly Results Update - Detailed)

Aug 10, 2017

HDFC starts FY18 on robust loan growth but asset quality slips on increased exposure to developer loans.

HDFC: Conservative Provisioning tempers down FY17 earnings (Quarterly Results Update - Detailed)

May 9, 2017

HDFC ends FY17 on a tepid note as it remains conservative on the asset quality front.

HDFC: High Provisioning Drags Down Earnings Growth (Quarterly Results Update - Detailed)

Feb 7, 2017

HDFC declared its results for the third quarter (3QFY17). The institution has reported 18.4% YoY growth in net interest income while net profits have grown by 11.9% YoY during 3QFY17.

HDFC: Robust growth on healthy credit offtake (Quarterly Results Update - Detailed)

Nov 8, 2016

HDFC declared its results for the second quarter (1QFY17). The institution has reported 12.6% YoY growth in net interest income while net profits have grown by 13.8% YoY during 2QFY17.

Power Finance Corp: Extraordinary Income Boosts Earnings (Quarterly Results Update - Detailed)

Mar 20, 2017

Power Finance Corporation (PFC) declared its results for the third quarter of financial year 2016-17 (3QFY17). The institution has reported a 0.5% YoY fall in net interest income and 23% YoY rise in net profits.

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Aug 21, 2017 (Close)

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