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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 46.7 37.9 123.0% View Chart
P/BV x 15.1 4.2 359.2% View Chart
Dividend Yield % 1.2 0.9 132.9%  

Financials

 GRUH FINANCE   HDFC
EQUITY SHARE DATA
    GRUH FINANCE
Mar-18
HDFC
Mar-18
GRUH FINANCE/
HDFC
5-Yr Chart
Click to enlarge
High Rs7141,982 36.0%   
Low Rs3681,461 25.2%   
Income per share (Unadj.) Rs46.1385.5 12.0%  
Earnings per share (Unadj.) Rs9.997.0 10.2%  
Cash flow per share (Unadj.) Rs18.1296.1 6.1%  
Dividends per share (Unadj.) Rs3.3020.00 16.5%  
Avg Dividend yield %0.61.2 52.5%  
Book value per share (Unadj.) Rs37.8516.4 7.3%  
Shares outstanding (eoy) m365.721,675.88 21.8%   
Bonus/Rights/Conversions ESOSESOP-  
Avg Price / Income ratio x11.74.5 262.5%   
Avg P/E ratio x54.517.7 307.2%  
Avg P/CF ratio x49.017.2 285.9%  
Avg Price/Bookvalue ratio x14.33.3 429.5%  
Dividend payout %33.320.6 161.4%   
Avg Mkt Cap Rs m197,7272,884,776 6.9%   
No. of employees `0000.72.6 26.9%   
Total wages & salary Rs m54510,481 5.2%   
Avg. income/employee Rs Th24,381.4250,900.4 9.7%   
Avg. wages/employee Rs Th787.74,070.4 19.4%   
Avg. net profit/employee Rs Th5,241.063,126.1 8.3%   
INCOME DATA
Interest income Rs m16,872646,069 2.6%  
Other income Rs m53845,348 1.2%   
Interest expense Rs m9,825234,524 4.2%   
Net interest income Rs m7,047411,544 1.7%  
Operating expense Rs m1,396299,292 0.5%   
Gross profit Rs m5,652112,252 5.0%  
Gross profit margin %33.517.4 192.8%  
Provisions/contingencies Rs m4065,637 7.2%   
Profit before tax Rs m5,621176,025 3.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-10,766 0.0%   
Prior Period Items Rs m037,302 0.0%   
Tax Rs m1,99440,012 5.0%   
Profit after tax Rs m3,627162,550 2.2%  
Net profit margin %21.525.2 85.4%  
BALANCE SHEET DATA
Advances Rs m157,2063,791,728 4.1%   
Deposits Rs m10,122445,995 2.3%  
Credit/Deposit ratio x1,553.0850.2 182.7%  
Yield on advances %10.29.0 113.4%   
Cost of deposits %12.56.1 205.6%   
Net Interest Margin %4.57.9 56.2%  
Net fixed assets Rs m15413,541 1.1%   
Share capital Rs m7313,352 21.8%   
Free reserves Rs m13,078862,062 1.5%   
Net worth Rs m13,809865,414 1.6%   
Borrowings Rs m66,6551,171,103 5.7%   
Investments Rs m8301,394,864 0.1%   
Total assets Rs m159,7105,627,013 2.8%  
Debt/equity ratio x5.61.9 297.5%   
Return on assets %2.32.9 78.6%  
Return on equity %26.318.8 139.8%  
Capital adequacy ratio %18.919.2 98.4%  
Net NPAs %00-  
CASH FLOW
From Operations Rs m-19,296-328,634 5.9%  
From Investments Rs m49-237,069 -0.0%  
From Financial Activity Rs m19,314540,279 3.6%  
Net Cashflow Rs m68-25,423 -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:   MAGMA FINCORP  POWER FINANCE CORPORATION  SHRIRAM CITY UNION  RURAL ELECTRIFICATION  CAPITAL FIRST  



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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.

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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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