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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 51.8 9.0 575.5% View Chart
P/BV x 16.8 1.2 1,417.9% View Chart
Dividend Yield % 1.0 1.9 55.8%  

Financials

 GRUH FINANCE   LIC HOUSING
EQUITY SHARE DATA
    GRUH FINANCE
Mar-18
LIC HOUSING
Mar-20
GRUH FINANCE/
LIC HOUSING
5-Yr Chart
Click to enlarge
High Rs714587 121.6%   
Low Rs368186 197.7%   
Income per share (Unadj.) Rs46.1388.7 11.9%  
Earnings per share (Unadj.) Rs9.947.5 20.9%  
Cash flow per share (Unadj.) Rs18.173.7 24.5%  
Dividends per share (Unadj.) Rs3.308.00 41.3%  
Avg Dividend yield %0.62.1 29.5%  
Book value per share (Unadj.) Rs37.8361.9 10.4%  
Shares outstanding (eoy) m365.72504.66 72.5%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x11.71.0 1,178.8%   
Avg P/E ratio x54.58.1 670.0%  
Avg P/CF ratio x49.07.8 626.5%  
Avg Price/Bookvalue ratio x14.31.1 1,341.1%  
Dividend payout %33.316.8 197.5%   
Avg Mkt Cap Rs m197,727195,001 101.4%   
No. of employees `0000.72.4 28.9%   
Total wages & salary Rs m5453,276 16.6%   
Avg. income/employee Rs Th24,381.481,999.8 29.7%   
Avg. wages/employee Rs Th787.71,369.6 57.5%   
Avg. net profit/employee Rs Th5,241.010,019.4 52.3%   
INCOME DATA
Interest income Rs m16,872196,144 8.6%  
Other income Rs m538-292 -184.0%   
Interest expense Rs m9,825147,814 6.6%   
Net interest income Rs m7,04748,329 14.6%  
Operating expense Rs m1,3965,405 25.8%   
Gross profit Rs m5,65242,924 13.2%  
Gross profit margin %33.521.9 153.1%  
Provisions/contingencies Rs m406949 42.7%   
Profit before tax Rs m5,62132,750 17.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-4 0.0%   
Prior Period Items Rs m05 0.0%   
Tax Rs m1,9948,785 22.7%   
Profit after tax Rs m3,62723,966 15.1%  
Net profit margin %21.512.2 175.9%  
BALANCE SHEET DATA
Advances Rs m157,2062,079,745 7.6%   
Deposits Rs m10,1220-  
Credit/Deposit ratio x1,553.0NM- 
Yield on advances %10.29.5 107.4%   
Cost of deposits %12.5N.A.-  
Net Interest Margin %4.52.3 197.0%  
Net fixed assets Rs m1542,951 5.2%   
Share capital Rs m7311,010 72.4%   
Free reserves Rs m13,078181,639 7.2%   
Net worth Rs m13,809182,649 7.6%   
Borrowings Rs m66,6551,320,823 5.0%   
Investments Rs m83054,847 1.5%   
Total assets Rs m159,7102,169,197 7.4%  
Debt/equity ratio x5.67.2 76.9%   
Return on assets %2.31.1 205.5%  
Return on equity %26.313.1 200.2%  
Capital adequacy ratio %18.913.9 136.1%  
Net NPAs %02.0 0.0%  
CASH FLOW
From Operations Rs m-19,296-147,377 13.1%  
From Investments Rs m49-18,514 -0.3%  
From Financial Activity Rs m19,314151,555 12.7%  
Net Cashflow Rs m68-14,336 -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:   HDFC  GIC HOUSING  REC  PNB GILTS  IFCI  



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Oct 15, 2019 (Close)

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