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| GRUH FINANCE | SHRIRAM CITY UNION | GRUH FINANCE/ SHRIRAM CITY UNION |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 56.8 | 25.4 | 223.5% | View Chart |
| P/BV | x | 21.0 | 3.4 | 626.1% | View Chart |
| Dividend Yield | % | 0.5 | 0.7 | 68.2% |
 GRUH FINANCE  SHRIRAM CITY UNION |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| GRUH FINANCE Mar-16 |
SHRIRAM CITY UNION Mar-15 |
GRUH FINANCE/ SHRIRAM CITY UNION |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 277 | 2,139 | 13.0% | |
| Low | Rs | 215 | 1,121 | 19.2% | |
| Income per share (Unadj.) | Rs | 33.8 | 540.5 | 6.2% | |
| Earnings per share (Unadj.) | Rs | 6.7 | 86.7 | 7.7% | |
| Cash flow per share (Unadj.) | Rs | 12.0 | 189.6 | 6.3% | |
| Dividends per share (Unadj.) | Rs | 2.30 | 15.00 | 15.3% | |
| Avg Dividend yield | % | 0.9 | 0.9 | 101.6% | |
| Book value per share (Unadj.) | Rs | 23.0 | 639.8 | 3.6% | |
| Shares outstanding (eoy) | m | 363.68 | 65.90 | 551.9% | |
| Bonus/Rights/Conversions | ESOS | PA | - | ||
| Avg Price / Income ratio | x | 7.3 | 3.0 | 241.5% | |
| Avg P/E ratio | x | 36.7 | 18.8 | 195.3% | |
| Avg P/CF ratio | x | 34.0 | 10.0 | 339.6% | |
| Avg Price/Bookvalue ratio | x | 10.7 | 2.5 | 420.2% | |
| Dividend payout | % | 34.3 | 17.3 | 198.5% | |
| Avg Mkt Cap | Rs m | 89,411 | 107,404 | 83.2% | |
| No. of employees | `000 | 0.6 | 25.1 | 2.6% | |
| Total wages & salary | Rs m | 428 | 4,263 | 10.0% | |
| Avg. income/employee | Rs Th | 19,155.1 | 1,419.9 | 1,349.1% | |
| Avg. wages/employee | Rs Th | 667.7 | 170.0 | 392.9% | |
| Avg. net profit/employee | Rs Th | 3,800.0 | 227.8 | 1,668.1% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 12,278 | 35,617 | 34.5% | |
| Other income | Rs m | 476 | 512 | 92.9% | |
| Interest expense | Rs m | 7,961 | 13,559 | 58.7% | |
| Net interest income | Rs m | 4,318 | 22,058 | 19.6% | |
| Operating expense | Rs m | 927 | 8,883 | 10.4% | |
| Gross profit | Rs m | 3,391 | 13,175 | 25.7% | |
| Gross profit margin | % | 27.6 | 37.0 | 74.7% | |
| Provisions/contingencies | Rs m | 195 | 5,018 | 3.9% | |
| Profit before tax | Rs m | 3,617 | 8,668 | 41.7% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -39 | 0.0% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 1,181 | 2,914 | 40.5% | |
| Profit after tax | Rs m | 2,436 | 5,714 | 42.6% | |
| Net profit margin | % | 19.8 | 16.0 | 123.7% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 105,749 | 166,311 | 63.6% | |
| Deposits | Rs m | 10,017 | 0 | - | |
| Credit/Deposit ratio | x | 1,055.7 | NM | - | |
| Yield on advances | % | 11.4 | 20.4 | 55.9% | |
| Cost of deposits | % | 13.2 | N.A. | - | |
| Net Interest Margin | % | 4.1 | 12.6 | 32.2% | |
| Net fixed assets | Rs m | 146 | 834 | 17.5% | |
| Share capital | Rs m | 727 | 659 | 110.4% | |
| Free reserves | Rs m | 3,789 | 33,643 | 11.3% | |
| Net worth | Rs m | 8,353 | 42,160 | 19.8% | |
| Borrowings | Rs m | 86,282 | 80,897 | 106.7% | |
| Investments | Rs m | 330 | 8,363 | 3.9% | |
| Total assets | Rs m | 114,426 | 186,563 | 61.3% | |
| Debt/equity ratio | x | 11.5 | 1.9 | 600.8% | |
| Return on assets | % | 2.1 | 3.1 | 69.5% | |
| Return on equity | % | 29.2 | 13.6 | 215.1% | |
| Capital adequacy ratio | % | 17.8 | 29.0 | 61.4% | |
| Net NPAs | % | 0 | 0.7 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -19,187 | -12,418 | 154.5% | |
| From Investments | Rs m | -44 | -2,076 | 2.1% | |
| From Financial Activity | Rs m | 19,423 | 6,659 | 291.7% | |
| Net Cashflow | Rs m | 192 | -7,835 | -2.4% | |
| Indian Promoters | % | 59.4 | 33.8 | 175.7% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.4 | 2.4 | 16.7% | |
| FIIs | % | 15.9 | 24.8 | 64.1% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 24.3 | 39.0 | 62.3% | |
| Shareholders | 18,801 | 5,851 | 321.3% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
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