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GRUH FINANCE vs REC - Comparison Results

Rs 100 invested in...

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Current Valuations

    GRUH FINANCE REC GRUH FINANCE/
REC
 
P/E (TTM) x 52.0 9.0 575.5% View Chart
P/BV x 12.4 2.0 606.3% View Chart
Dividend Yield % 0.6 2.8 22.6%  

Financials

 GRUH FINANCE   REC
EQUITY SHARE DATA
    GRUH FINANCE
Mar-19
REC
Mar-23
GRUH FINANCE/
REC
5-Yr Chart
Click to enlarge
High Rs382128 297.5%   
Low Rs20582 248.7%   
Income per share (Unadj.) Rs27.6149.9 18.4%  
Earnings per share (Unadj.) Rs6.142.4 14.4%  
Cash flow per share (Unadj.) Rs10.159.8 16.9%  
Dividends per share (Unadj.) Rs2.0012.60 15.9%  
Avg Dividend yield %0.712.0 5.7%  
Book value per share (Unadj.) Rs25.6220.7 11.6%  
Shares outstanding (eoy) m733.692,633.22 27.9%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x10.60.7 1,511.4%   
Avg P/E ratio x48.12.5 1,937.1%  
Avg P/CF ratio x48.12.5 1,938.6%  
Avg Price/Bookvalue ratio x11.40.5 2,397.0%  
Dividend payout %32.829.7 110.4%   
Avg Mkt Cap Rs m215,172277,377 77.6%   
No. of employees `000NANA-   
Total wages & salary Rs m6482,041 31.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m20,262394,783 5.1%  
Other income Rs m216419 51.6%   
Interest expense Rs m13,012237,413 5.5%   
Net interest income Rs m7,250157,369 4.6%  
Operating expense Rs m1,28218,569 6.9%   
Gross profit Rs m5,968138,800 4.3%  
Gross profit margin %29.535.2 83.8%  
Provisions/contingencies Rs m086 0.0%   
Profit before tax Rs m6,150138,977 4.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,67827,307 6.1%   
Profit after tax Rs m4,472111,670 4.0%  
Net profit margin %22.128.3 78.0%  
BALANCE SHEET DATA
Advances Rs m172,8834,220,839 4.1%   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-   
Cost of deposits %00-  
Net Interest Margin %3.93.5 113.4%  
Net fixed assets Rs m1516,408 2.4%   
Share capital Rs m1,46731,916 4.6%   
Free reserves Rs m17,342549,289 3.2%   
Net worth Rs m18,809581,205 3.2%   
Borrowings Rs m150,129191,227 78.5%   
Investments Rs m10,945305,381 3.6%   
Total assets Rs m195,4174,648,926 4.2%  
Debt/equity ratio x8.00.3 2,425.9%   
Return on assets %2.32.4 95.3%  
Return on equity %23.819.2 123.7%  
Capital adequacy ratio %20.325.8 78.7%  
Net NPAs %0.41.0 33.7%  
CASH FLOW
From Operations Rs m-14,322-373,598 3.8%  
From Investments Rs m491-9,430 -5.2%  
From Financial Activity Rs m24,184381,228 6.3%  
Net Cashflow Rs m10,354-1,799 -575.6%  

Share Holding

Indian Promoters % 47.4 52.6 90.1%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 30.8 34.8 88.6%  
FIIs % 18.7 20.6 91.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 52.6 47.4 111.0%  
Shareholders   72,213 689,192 10.5%  
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 REC

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 REC Share Price Performance

Period GRUH FINANCE REC
1-Day 3.73% 1.19%
1-Month 27.02% 5.67%
1-Year 13.06% 295.09%
3-Year CAGR 23.04% 67.26%
5-Year CAGR 27.87% 32.12%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of GRUH FINANCE hold a 47.4% stake in the company. In case of REC the stake stands at 52.6%.

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 REC.

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%.

REC paid Rs 12.6, and its dividend payout ratio stood at 29.7%.

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

For a sector overview, read our finance sector report.



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