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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 66.6 12.0 556.8% View Chart
P/BV x 21.7 2.1 1,017.1% View Chart
Dividend Yield % 0.4 1.3 32.0%  

Financials

 GRUH FINANCE   LIC HOUSING
EQUITY SHARE DATA
    GRUH FINANCE
Mar-17
LIC HOUSING
Mar-17
GRUH FINANCE/
LIC HOUSING
5-Yr Chart
Click to enlarge
High Rs436629 69.3%   
Low Rs239432 55.3%   
Income per share (Unadj.) Rs39.5277.6 14.2%  
Earnings per share (Unadj.) Rs8.138.5 21.1%  
Cash flow per share (Unadj.) Rs14.565.2 22.3%  
Dividends per share (Unadj.) Rs2.806.20 45.2%  
Avg Dividend yield %0.81.2 71.0%  
Book value per share (Unadj.) Rs30.5221.1 13.8%  
Shares outstanding (eoy) m364.56504.66 72.2%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x8.51.9 446.7%   
Avg P/E ratio x41.413.8 300.8%  
Avg P/CF ratio x37.112.0 309.7%  
Avg Price/Bookvalue ratio x11.02.4 460.3%  
Dividend payout %34.416.1 213.6%   
Avg Mkt Cap Rs m122,948267,646 45.9%   
No. of employees `0000.71.8 36.2%   
Total wages & salary Rs m4862,662 18.3%   
Avg. income/employee Rs Th21,692.076,415.4 28.4%   
Avg. wages/employee Rs Th732.11,452.4 50.4%   
Avg. net profit/employee Rs Th4,467.610,596.1 42.2%   
INCOME DATA
Interest income Rs m14,404140,069 10.3%  
Other income Rs m470940 50.1%   
Interest expense Rs m9,196102,314 9.0%   
Net interest income Rs m5,20737,755 13.8%  
Operating expense Rs m1,2296,053 20.3%   
Gross profit Rs m3,97831,702 12.5%  
Gross profit margin %27.622.6 122.0%  
Provisions/contingencies Rs m3462,910 11.9%   
Profit before tax Rs m4,42029,732 14.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00 0.0%   
Prior Period Items Rs m05 0.0%   
Tax Rs m1,45410,314 14.1%   
Profit after tax Rs m2,96719,423 15.3%  
Net profit margin %20.613.9 148.5%  
BALANCE SHEET DATA
Advances Rs m132,8831,445,340 9.2%   
Deposits Rs m10,1750-  
Credit/Deposit ratio x1,306.0NM- 
Yield on advances %10.79.6 111.3%   
Cost of deposits %13.5N.A.-  
Net Interest Margin %3.92.6 148.8%  
Net fixed assets Rs m1371,072 12.8%   
Share capital Rs m7291,010 72.2%   
Free reserves Rs m5,726110,544 5.2%   
Net worth Rs m11,132111,559 10.0%   
Borrowings Rs m104,9201,037,389 10.1%   
Investments Rs m1,5815,192 30.4%   
Total assets Rs m135,8591,509,972 9.0%  
Debt/equity ratio x10.39.3 111.2%   
Return on assets %2.21.3 169.8%  
Return on equity %26.617.4 153.1%  
Capital adequacy ratio %18.315.6 117.1%  
Net NPAs %00.1 0.0%  
CASH FLOW
From Operations Rs m-17,052-142,732 11.9%  
From Investments Rs m-21-2,777 0.8%  
From Financial Activity Rs m16,925150,721 11.2%  
Net Cashflow Rs m-1495,212 -2.9%  

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:   SREI INFRA FINANCE  HDFC  DEWAN H.FIN.  SHRIRAM CITY UNION  IFCI  



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May 24, 2018 (Close)

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