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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 71.1 25.0 284.0% View Chart
P/BV x 26.3 5.0 528.5% View Chart
Dividend Yield % 0.4 1.0 39.9%  

Financials

 GRUH FINANCE   HDFC
EQUITY SHARE DATA
    GRUH FINANCE
Mar-16
HDFC
Mar-17
GRUH FINANCE/
HDFC
5-Yr Chart
Click to enlarge
High Rs2771,528 18.1%   
Low Rs2151,060 20.3%   
Income per share (Unadj.) Rs33.8357.1 9.5%  
Earnings per share (Unadj.) Rs6.769.6 9.6%  
Cash flow per share (Unadj.) Rs12.0245.1 4.9%  
Dividends per share (Unadj.) Rs2.3018.00 12.8%  
Avg Dividend yield %0.91.4 67.3%  
Book value per share (Unadj.) Rs23.0378.0 6.1%  
Shares outstanding (eoy) m363.681,588.67 22.9%   
Bonus/Rights/Conversions ESOSESOP-  
Avg Price / Income ratio x7.33.6 200.9%   
Avg P/E ratio x36.718.6 197.3%  
Avg P/CF ratio x34.017.3 196.7%  
Avg Price/Bookvalue ratio x10.73.4 312.7%  
Dividend payout %34.325.9 132.7%   
Avg Mkt Cap Rs m89,4112,056,216 4.3%   
No. of employees `0000.62.3 27.8%   
Total wages & salary Rs m4289,130 4.7%   
Avg. income/employee Rs Th19,155.1246,136.2 7.8%   
Avg. wages/employee Rs Th667.73,961.0 16.9%   
Avg. net profit/employee Rs Th3,800.047,944.1 7.9%   
INCOME DATA
Interest income Rs m12,278567,344 2.2%  
Other income Rs m47643,532 1.1%   
Interest expense Rs m7,961219,532 3.6%   
Net interest income Rs m4,318347,812 1.2%  
Operating expense Rs m927247,189 0.4%   
Gross profit Rs m3,391100,623 3.4%  
Gross profit margin %27.617.7 155.7%  
Provisions/contingencies Rs m1958,530 2.3%   
Profit before tax Rs m3,617126,496 2.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-7,970 0.0%   
Prior Period Items Rs m032,194 0.0%   
Tax Rs m1,18140,208 2.9%   
Profit after tax Rs m2,436110,511 2.2%  
Net profit margin %19.819.5 101.8%  
BALANCE SHEET DATA
Advances Rs m105,7493,121,287 3.4%   
Deposits Rs m10,017418,380 2.4%  
Credit/Deposit ratio x1,055.7746.0 141.5%  
Yield on advances %11.410.0 114.3%   
Cost of deposits %13.27.2 183.9%   
Net Interest Margin %4.18.1 50.5%  
Net fixed assets Rs m14613,424 1.1%   
Share capital Rs m7273,177 22.9%   
Free reserves Rs m3,789453,788 0.8%   
Net worth Rs m8,353600,593 1.4%   
Borrowings Rs m86,2821,201,141 7.2%   
Investments Rs m3301,190,460 0.0%   
Total assets Rs m114,4264,731,581 2.4%  
Debt/equity ratio x11.52.7 427.5%   
Return on assets %2.12.3 91.1%  
Return on equity %29.218.4 158.5%  
Capital adequacy ratio %17.814.5 122.9%  
Net NPAs %00-  
CASH FLOW
From Operations Rs m-19,187-141,731 13.5%  
From Investments Rs m-44-272,283 0.0%  
From Financial Activity Rs m19,423431,273 4.5%  
Net Cashflow Rs m19217,259 1.1%  

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:   GIC HOUSING  DEWAN H.FIN.  LIC HOUSING  PNB GILTS  SHRIRAM TRANSPORT FIN.  



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Feb 7, 2017

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Mar 20, 2017

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