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GRUH FINANCE vs POONAWALLA FINCORP - Comparison Results

Rs 100 invested in...

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Current Valuations

    GRUH FINANCE POONAWALLA FINCORP GRUH FINANCE/
POONAWALLA FINCORP
 
P/E (TTM) x 52.0 24.0 216.5% View Chart
P/BV x 12.4 5.3 231.6% View Chart
Dividend Yield % 0.6 0.4 146.7%  

Financials

 GRUH FINANCE   POONAWALLA FINCORP
EQUITY SHARE DATA
    GRUH FINANCE
Mar-19
POONAWALLA FINCORP
Mar-23
GRUH FINANCE/
POONAWALLA FINCORP
5-Yr Chart
Click to enlarge
High Rs382344 111.1%   
Low Rs205209 97.8%   
Income per share (Unadj.) Rs27.625.2 109.4%  
Earnings per share (Unadj.) Rs6.17.4 82.3%  
Cash flow per share (Unadj.) Rs10.124.5 41.4%  
Dividends per share (Unadj.) Rs2.002.00 100.0%  
Avg Dividend yield %0.70.7 94.3%  
Book value per share (Unadj.) Rs25.687.8 29.2%  
Shares outstanding (eoy) m733.69767.95 95.5%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x10.611.0 97.0%   
Avg P/E ratio x48.137.3 128.9%  
Avg P/CF ratio x48.137.3 128.9%  
Avg Price/Bookvalue ratio x11.43.1 363.3%  
Dividend payout %32.827.0 121.5%   
Avg Mkt Cap Rs m215,172212,299 101.4%   
No. of employees `000NANA-   
Total wages & salary Rs m6485,148 12.6%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m20,26219,386 104.5%  
Other income Rs m2165,920 3.7%   
Interest expense Rs m13,0125,953 218.6%   
Net interest income Rs m7,25013,433 54.0%  
Operating expense Rs m1,28211,303 11.3%   
Gross profit Rs m5,9682,130 280.2%  
Gross profit margin %29.511.0 268.1%  
Provisions/contingencies Rs m00-   
Profit before tax Rs m6,1507,510 81.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-11 -0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,6781,812 92.6%   
Profit after tax Rs m4,4725,688 78.6%  
Net profit margin %22.129.3 75.2%  
BALANCE SHEET DATA
Advances Rs m172,883152,185 113.6%   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-   
Cost of deposits %00-  
Net Interest Margin %3.98.6 46.0%  
Net fixed assets Rs m1512,214 6.8%   
Share capital Rs m1,4671,536 95.5%   
Free reserves Rs m17,34265,891 26.3%   
Net worth Rs m18,80967,427 27.9%   
Borrowings Rs m150,12938,744 387.5%   
Investments Rs m10,9454,359 251.1%   
Total assets Rs m195,417231,729 84.3%  
Debt/equity ratio x8.00.6 1,389.1%   
Return on assets %2.32.5 93.2%  
Return on equity %23.88.4 281.9%  
Capital adequacy ratio %20.338.9 52.2%  
Net NPAs %0.40.8 43.8%  
CASH FLOW
From Operations Rs m-14,322-52,365 27.3%  
From Investments Rs m491-1,105 -44.5%  
From Financial Activity Rs m24,18457,485 42.1%  
Net Cashflow Rs m10,3544,015 257.9%  

Share Holding

Indian Promoters % 47.4 62.1 76.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 30.8 13.4 230.8%  
FIIs % 18.7 7.8 240.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 52.6 37.9 138.6%  
Shareholders   72,213 195,334 37.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare GRUH FINANCE With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    INDIABULLS HOU. FIN.    


More on GRUH FINANCE vs MAGMA FINCORP

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

GRUH FINANCE vs MAGMA FINCORP Share Price Performance

Period GRUH FINANCE MAGMA FINCORP
1-Day 3.73% -2.16%
1-Month 27.02% 2.11%
1-Year 13.06% 64.90%
3-Year CAGR 23.04% 64.41%
5-Year CAGR 27.87% 31.25%

* Compound Annual Growth Rate

Here are more details on the GRUH FINANCE share price and the MAGMA FINCORP share price.

Moving on to shareholding structures...

The promoters of GRUH FINANCE hold a 47.4% stake in the company. In case of MAGMA FINCORP the stake stands at 62.1%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of GRUH FINANCE and the shareholding pattern of MAGMA FINCORP.

Finally, a word on dividends...

In the most recent financial year, GRUH FINANCE paid a dividend of Rs 2.0 per share. This amounted to a Dividend Payout ratio of 32.8%.

MAGMA FINCORP paid Rs 2.0, and its dividend payout ratio stood at 27.0%.

You may visit here to review the dividend history of GRUH FINANCE, and the dividend history of MAGMA FINCORP.

For a sector overview, read our finance sector report.



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