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GRUH FINANCE vs SHRIRAM CITY UNION - Comparison Results

Rs 100 invested in...

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Current Valuations

    GRUH FINANCE SHRIRAM CITY UNION GRUH FINANCE/
SHRIRAM CITY UNION
 
P/E (TTM) x 52.0 9.3 557.3% View Chart
P/BV x 12.4 1.4 882.7% View Chart
Dividend Yield % 0.6 1.9 32.8%  

Financials

 GRUH FINANCE   SHRIRAM CITY UNION
EQUITY SHARE DATA
    GRUH FINANCE
Mar-19
SHRIRAM CITY UNION
Mar-22
GRUH FINANCE/
SHRIRAM CITY UNION
5-Yr Chart
Click to enlarge
High Rs3822,600 14.7%   
Low Rs2051,378 14.8%   
Income per share (Unadj.) Rs27.61,061.5 2.6%  
Earnings per share (Unadj.) Rs6.1172.9 3.5%  
Cash flow per share (Unadj.) Rs10.1-5,605.2 -0.2%  
Dividends per share (Unadj.) Rs2.0037.00 5.4%  
Avg Dividend yield %0.71.9 36.7%  
Book value per share (Unadj.) Rs25.61,379.6 1.9%  
Shares outstanding (eoy) m733.6966.63 1,101.1%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x10.61.9 566.7%   
Avg P/E ratio x48.111.5 418.1%  
Avg P/CF ratio x48.10.3 15,483.2%  
Avg Price/Bookvalue ratio x11.41.4 793.4%  
Dividend payout %32.821.4 153.3%   
Avg Mkt Cap Rs m215,172132,538 162.3%   
No. of employees `000NANA-   
Total wages & salary Rs m64810,576 6.1%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m20,26270,730 28.6%  
Other income Rs m21670 310.0%   
Interest expense Rs m13,01228,301 46.0%   
Net interest income Rs m7,25042,428 17.1%  
Operating expense Rs m1,28225,950 4.9%   
Gross profit Rs m5,96816,479 36.2%  
Gross profit margin %29.523.3 126.4%  
Provisions/contingencies Rs m0414,981 0.0%   
Profit before tax Rs m6,15015,686 39.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-130 -0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,6784,039 41.6%   
Profit after tax Rs m4,47211,518 38.8%  
Net profit margin %22.116.3 135.5%  
BALANCE SHEET DATA
Advances Rs m172,883355,460 48.6%   
Deposits Rs m068,245 0.0%  
Credit/Deposit ratio x0520.9- 
Yield on advances %00-   
Cost of deposits %08.0-  
Net Interest Margin %3.911.5 34.4%  
Net fixed assets Rs m1512,514 6.0%   
Share capital Rs m1,467666 220.2%   
Free reserves Rs m17,34291,253 19.0%   
Net worth Rs m18,80991,920 20.5%   
Borrowings Rs m150,12927,264 550.7%   
Investments Rs m10,94514,374 76.1%   
Total assets Rs m195,417485,553 40.2%  
Debt/equity ratio x8.01.0 768.2%   
Return on assets %2.32.4 96.5%  
Return on equity %23.812.5 189.7%  
Capital adequacy ratio %20.326.8 75.8%  
Net NPAs %0.43.3 10.6%  
CASH FLOW
From Operations Rs m-14,322-38,613 37.1%  
From Investments Rs m491-1,338 -36.7%  
From Financial Activity Rs m24,18453,477 45.2%  
Net Cashflow Rs m10,35413,527 76.5%  

Share Holding

Indian Promoters % 47.4 36.9 128.7%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 30.8 33.0 93.4%  
FIIs % 18.7 26.9 69.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 52.6 63.1 83.3%  
Shareholders   72,213 22,900 315.3%  
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    TATA INVESTMENT    


More on GRUH FINANCE vs SHRIRAM CITY UNION

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 SHRIRAM CITY UNION Share Price Performance

Period GRUH FINANCE SHRIRAM CITY UNION
1-Day 3.73% 0.14%
1-Month 27.02% 4.33%
1-Year 13.06% -0.93%
3-Year CAGR 23.04% 13.37%
5-Year CAGR 27.87% -1.05%

* Compound Annual Growth Rate

Here are more details on the GRUH FINANCE share price and the SHRIRAM CITY UNION share price.

Moving on to shareholding structures...

The promoters of GRUH FINANCE hold a 47.4% stake in the company. In case of SHRIRAM CITY UNION the stake stands at 36.9%.

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 SHRIRAM CITY UNION.

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%.

SHRIRAM CITY UNION paid Rs 37.0, and its dividend payout ratio stood at 21.4%.

You may visit here to review the dividend history of GRUH FINANCE, and the dividend history of SHRIRAM CITY UNION.

For a sector overview, read our finance sector report.



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