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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 51.6 10.5 490.0% View Chart
P/BV x 16.2 1.8 905.8% View Chart
Dividend Yield % 1.1 1.5 71.9%  

Financials

 GRUH FINANCE   LIC HOUSING
EQUITY SHARE DATA
    GRUH FINANCE
Mar-18
LIC HOUSING
Mar-18
GRUH FINANCE/
LIC HOUSING
5-Yr Chart
Click to enlarge
High Rs714794 89.9%   
Low Rs368478 77.0%   
Income per share (Unadj.) Rs46.1297.0 15.5%  
Earnings per share (Unadj.) Rs9.939.9 24.9%  
Cash flow per share (Unadj.) Rs18.169.0 26.2%  
Dividends per share (Unadj.) Rs3.306.80 48.5%  
Avg Dividend yield %0.61.1 57.1%  
Book value per share (Unadj.) Rs37.8253.5 14.9%  
Shares outstanding (eoy) m365.72504.66 72.5%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x11.72.1 547.4%   
Avg P/E ratio x54.515.9 342.2%  
Avg P/CF ratio x49.014.2 345.8%  
Avg Price/Bookvalue ratio x14.32.5 570.9%  
Dividend payout %33.317.0 195.3%   
Avg Mkt Cap Rs m197,727320,863 61.6%   
No. of employees `0000.72.1 32.9%   
Total wages & salary Rs m5452,392 22.8%   
Avg. income/employee Rs Th24,381.471,267.1 34.2%   
Avg. wages/employee Rs Th787.71,137.6 69.2%   
Avg. net profit/employee Rs Th5,241.09,576.3 54.7%   
INCOME DATA
Interest income Rs m16,872149,875 11.3%  
Other income Rs m5381,178 45.7%   
Interest expense Rs m9,825111,246 8.8%   
Net interest income Rs m7,04738,629 18.2%  
Operating expense Rs m1,3966,374 21.9%   
Gross profit Rs m5,65232,255 17.5%  
Gross profit margin %33.521.5 155.6%  
Provisions/contingencies Rs m4062,491 16.3%   
Profit before tax Rs m5,62130,941 18.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-4 0.0%   
Prior Period Items Rs m025 0.0%   
Tax Rs m1,99410,823 18.4%   
Profit after tax Rs m3,62720,139 18.0%  
Net profit margin %21.513.4 160.0%  
BALANCE SHEET DATA
Advances Rs m157,2061,663,629 9.4%   
Deposits Rs m10,1220-  
Credit/Deposit ratio x1,553.0NM- 
Yield on advances %10.28.9 114.4%   
Cost of deposits %12.5N.A.-  
Net Interest Margin %4.52.3 193.2%  
Net fixed assets Rs m1541,320 11.7%   
Share capital Rs m7311,010 72.4%   
Free reserves Rs m13,078126,921 10.3%   
Net worth Rs m13,809127,931 10.8%   
Borrowings Rs m66,6551,102,219 6.0%   
Investments Rs m8309,651 8.6%   
Total assets Rs m159,7101,719,690 9.3%  
Debt/equity ratio x5.68.6 64.5%   
Return on assets %2.31.2 193.9%  
Return on equity %26.315.7 166.8%  
Capital adequacy ratio %18.915.5 122.0%  
Net NPAs %00.4 0.0%  
CASH FLOW
From Operations Rs m-19,296-194,857 9.9%  
From Investments Rs m49-4,868 -1.0%  
From Financial Activity Rs m19,314186,139 10.4%  
Net Cashflow Rs m68-13,585 -0.5%  

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:   SHRIRAM CITY UNION  PNB GILTS  GIC HOUSING  L&T FINANCE HOLDINGS  SREI INFRA FINANCE  



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Nov 16, 2018 (Close)

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