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Compare GRUH FINANCE with LIC Housing - Equitymaster
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GRUH FINANCE vs LIC HOUSING - Comparison Results

LIC HOUSING 
   Change

LICHF is a key player in the housing finance industry in India with around 9% market share. It was promoted in 1989 by LIC (with a 40% stake). Its capital adequacy ratio stood at 16.7% at the end of FY12, as against a requirement of 12%. The company ... More

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Current Valuations

    GRUH FINANCE LIC HOUSING GRUH FINANCE/
LIC HOUSING
 
P/E (TTM) x 59.0 16.7 353.2% View Chart
P/BV x 21.8 3.5 622.9% View Chart
Dividend Yield % 0.5 0.9 53.3%  

Financials

 GRUH FINANCE   LIC HOUSING
EQUITY SHARE DATA
    GRUH FINANCE
Mar-16
LIC HOUSING
Mar-16
GRUH FINANCE/
LIC HOUSING
5-Yr Chart
Click to enlarge
High Rs277514 53.9%   
Low Rs215389 55.2%   
Income per share (Unadj.) Rs33.8245.9 13.7%  
Earnings per share (Unadj.) Rs6.733.0 20.3%  
Cash flow per share (Unadj.) Rs12.057.1 20.9%  
Dividends per share (Unadj.) Rs2.305.50 41.8%  
Avg Dividend yield %0.91.2 76.8%  
Book value per share (Unadj.) Rs23.0182.6 12.6%  
Shares outstanding (eoy) m363.68504.66 72.1%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x7.31.8 396.8%   
Avg P/E ratio x36.713.7 268.8%  
Avg P/CF ratio x34.012.5 272.1%  
Avg Price/Bookvalue ratio x10.72.5 433.0%  
Dividend payout %34.316.6 206.3%   
Avg Mkt Cap Rs m89,411227,778 39.3%   
No. of employees `0000.61.7 37.1%   
Total wages & salary Rs m4281,645 26.0%   
Avg. income/employee Rs Th19,155.171,902.3 26.6%   
Avg. wages/employee Rs Th667.7953.1 70.1%   
Avg. net profit/employee Rs Th3,800.09,662.2 39.3%   
INCOME DATA
Interest income Rs m12,278124,103 9.9%  
Other income Rs m476922 51.6%   
Interest expense Rs m7,96193,066 8.6%   
Net interest income Rs m4,31831,037 13.9%  
Operating expense Rs m9274,644 20.0%   
Gross profit Rs m3,39126,393 12.8%  
Gross profit margin %27.621.3 129.9%  
Provisions/contingencies Rs m1951,565 12.5%   
Profit before tax Rs m3,61725,751 14.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-3 0.0%   
Prior Period Items Rs m04 0.0%   
Tax Rs m1,1819,074 13.0%   
Profit after tax Rs m2,43616,677 14.6%  
Net profit margin %19.813.4 147.6%  
BALANCE SHEET DATA
Advances Rs m105,7491,251,732 8.4%   
Deposits Rs m10,0170-  
Credit/Deposit ratio x1,055.7NM- 
Yield on advances %11.49.8 116.4%   
Cost of deposits %13.2N.A.-  
Net Interest Margin %4.12.5 164.5%  
Net fixed assets Rs m1461,024 14.2%   
Share capital Rs m7271,010 72.0%   
Free reserves Rs m3,78991,131 4.2%   
Net worth Rs m8,35392,146 9.1%   
Borrowings Rs m86,282906,581 9.5%   
Investments Rs m3302,637 12.5%   
Total assets Rs m114,4261,305,873 8.8%  
Debt/equity ratio x11.59.8 117.2%   
Return on assets %2.11.3 166.7%  
Return on equity %29.218.1 161.1%  
Capital adequacy ratio %17.817.0 104.6%  
Net NPAs %00.2 0.0%  
CASH FLOW
From Operations Rs m-19,187-130,394 14.7%  
From Investments Rs m-44-576 7.7%  
From Financial Activity Rs m19,423140,975 13.8%  
Net Cashflow Rs m19210,005 1.9%  

Share Holding

Indian Promoters % 59.4 40.3 147.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.4 7.0 5.7%  
FIIs % 15.9 38.0 41.8%  
ADR/GDR % 0.0 0.6 -  
Free float % 24.3 14.2 171.1%  
Shareholders   18,801 159,214 11.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare GRUH FINANCE With:   MAHINDRA FINANCE  MUTHOOT FINANCE  HDFC  IDFC LIMITED  PNB GILTS  



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