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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 39.6 130.9% View Chart
P/BV x 16.8 3.5 484.4% View Chart
Dividend Yield % 1.0 0.8 126.0%  

Financials

 GRUH FINANCE   HDFC
EQUITY SHARE DATA
    GRUH FINANCE
Mar-18
HDFC
Mar-20
GRUH FINANCE/
HDFC
5-Yr Chart
Click to enlarge
High Rs7142,500 28.5%   
Low Rs3681,473 25.0%   
Income per share (Unadj.) Rs46.1587.3 7.9%  
Earnings per share (Unadj.) Rs9.9131.8 7.5%  
Cash flow per share (Unadj.) Rs18.1422.3 4.3%  
Dividends per share (Unadj.) Rs3.3021.00 15.7%  
Avg Dividend yield %0.61.1 57.7%  
Book value per share (Unadj.) Rs37.8730.2 5.2%  
Shares outstanding (eoy) m365.721,732.05 21.1%   
Bonus/Rights/Conversions ESOSESOP-  
Avg Price / Income ratio x11.73.4 346.5%   
Avg P/E ratio x54.515.1 361.7%  
Avg P/CF ratio x49.014.8 331.9%  
Avg Price/Bookvalue ratio x14.32.7 526.4%  
Dividend payout %33.315.9 208.8%   
Avg Mkt Cap Rs m197,7273,440,544 5.7%   
No. of employees `0000.73.1 22.4%   
Total wages & salary Rs m54513,567 4.0%   
Avg. income/employee Rs Th24,381.4328,677.6 7.4%   
Avg. wages/employee Rs Th787.74,383.4 18.0%   
Avg. net profit/employee Rs Th5,241.073,752.7 7.1%   
INCOME DATA
Interest income Rs m16,8721,017,257 1.7%  
Other income Rs m538702 76.6%   
Interest expense Rs m9,825321,095 3.1%   
Net interest income Rs m7,047696,163 1.0%  
Operating expense Rs m1,396474,201 0.3%   
Gross profit Rs m5,652221,962 2.5%  
Gross profit margin %33.521.8 153.5%  
Provisions/contingencies Rs m4064,626 8.8%   
Profit before tax Rs m5,621204,472 2.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m057,461 0.0%   
Tax Rs m1,99433,668 5.9%   
Profit after tax Rs m3,627228,265 1.6%  
Net profit margin %21.522.4 95.8%  
BALANCE SHEET DATA
Advances Rs m157,2064,454,962 3.5%   
Deposits Rs m10,1221,323,048 0.8%  
Credit/Deposit ratio x1,553.0336.7 461.2%  
Yield on advances %10.29.6 106.5%   
Cost of deposits %12.59.0 137.9%   
Net Interest Margin %4.512.8 34.9%  
Net fixed assets Rs m15429,526 0.5%   
Share capital Rs m7313,464 21.1%   
Free reserves Rs m13,0781,261,328 1.0%   
Net worth Rs m13,8091,264,792 1.1%   
Borrowings Rs m66,6551,079,147 6.2%   
Investments Rs m830999,110 0.1%   
Total assets Rs m159,7107,298,149 2.2%  
Debt/equity ratio x5.61.9 292.7%   
Return on assets %2.33.1 72.6%  
Return on equity %26.318.0 145.5%  
Capital adequacy ratio %18.917.6 107.4%  
Net NPAs %01.5 0.0%  
CASH FLOW
From Operations Rs m-19,296-268,850 7.2%  
From Investments Rs m49-98,737 -0.0%  
From Financial Activity Rs m19,314387,738 5.0%  
Net Cashflow Rs m6820,152 0.3%  

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:   REC  MAGMA FINCORP  L&T FINANCE HOLDINGS  DHFL  LIC HOUSING  



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Oct 15, 2019 (Close)

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