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Compare HDFC with GIC HOUSING - Equitymaster
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HDFC vs GIC HOUSING - Comparison Results

HDFC    Change

HDFC is India's largest housing finance company with strong brand equity and market share of approximately 19%. Besides housing loans, HDFC has also been benefiting from the retail reach of its banking subsidiary (HDFC Bank). Over the years, HDFC has... More

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Current Valuations

    HDFC GIC HOUSING HDFC/
GIC HOUSING
 
P/E (TTM) x 24.1 13.0 185.8% View Chart
P/BV x 4.8 3.5 137.8% View Chart
Dividend Yield % 1.0 1.5 65.1%  

Financials

 HDFC   GIC HOUSING
EQUITY SHARE DATA
    HDFC
Mar-17
GIC HOUSING
Mar-14
HDFC/
GIC HOUSING
5-Yr Chart
Click to enlarge
High Rs1,528126 1,215.9%   
Low Rs1,06082 1,296.1%   
Income per share (Unadj.) Rs357.1115.8 308.4%  
Earnings per share (Unadj.) Rs69.618.1 384.0%  
Cash flow per share (Unadj.) Rs245.128.2 868.0%  
Dividends per share (Unadj.) Rs18.006.00 300.0%  
Avg Dividend yield %1.45.8 24.0%  
Book value per share (Unadj.) Rs378.0113.4 333.5%  
Shares outstanding (eoy) m1,588.6753.85 2,950.2%   
Bonus/Rights/Conversions ESOP--  
Avg Price / Income ratio x3.60.9 404.5%   
Avg P/E ratio x18.65.7 324.9%  
Avg P/CF ratio x17.34.5 384.5%  
Avg Price/Bookvalue ratio x3.40.9 374.1%  
Dividend payout %25.933.1 78.1%   
Avg Mkt Cap Rs m2,056,2165,587 36,804.0%   
No. of employees `0002.30.2 1,047.7%   
Total wages & salary Rs m9,130139 6,587.4%   
Avg. income/employee Rs Th246,136.228,343.6 868.4%   
Avg. wages/employee Rs Th3,961.0630.0 628.7%   
Avg. net profit/employee Rs Th47,944.14,434.1 1,081.3%   
INCOME DATA
Interest income Rs m567,3446,236 9,098.5%  
Other income Rs m43,53214 320,091.2%   
Interest expense Rs m219,5324,193 5,236.3%   
Net interest income Rs m347,8122,043 17,023.8%  
Operating expense Rs m247,189456 54,208.1%   
Gross profit Rs m100,6231,587 6,340.1%  
Gross profit margin %17.725.5 69.7%  
Provisions/contingencies Rs m8,530268 3,181.6%   
Profit before tax Rs m126,4961,333 9,492.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-7,9700-   
Prior Period Items Rs m32,1940-   
Tax Rs m40,208357 11,259.6%   
Profit after tax Rs m110,511976 11,328.7%  
Net profit margin %19.515.6 124.5%  
BALANCE SHEET DATA
Advances Rs m3,121,28753,126 5,875.2%   
Deposits Rs m418,3800-  
Credit/Deposit ratio x746.0NM- 
Yield on advances %10.011.3 88.0%   
Cost of deposits %7.2N.A.-  
Net Interest Margin %8.13.8 210.1%  
Net fixed assets Rs m13,42452 25,765.3%   
Share capital Rs m3,177539 590.0%   
Free reserves Rs m453,7883,133 14,484.6%   
Net worth Rs m600,5936,105 9,838.0%   
Borrowings Rs m1,201,14136,301 3,308.9%   
Investments Rs m1,190,46099 1,198,851.7%   
Total assets Rs m4,731,58155,181 8,574.6%  
Debt/equity ratio x2.75.9 45.3%   
Return on assets %2.31.8 132.1%  
Return on equity %18.416.0 115.2%  
Capital adequacy ratio %14.517.3 84.0%  
Net NPAs %00-  
CASH FLOW
From Operations Rs m-141,731-6,890 2,057.0%  
From Investments Rs m-272,2835 -5,672,560.4%  
From Financial Activity Rs m431,2736,748 6,391.4%  
Net Cashflow Rs m17,259-138 -12,534.1%  

Share Holding

Indian Promoters % 0.0 41.5 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.5 10.0 105.0%  
FIIs % 77.6 3.4 2,282.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 12.0 45.2 26.5%  
Shareholders   175,570 39,033 449.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare HDFC With:   GRUH FINANCE  SHRIRAM TRANSPORT FIN.  LIC HOUSING  PNB GILTS  DEWAN H.FIN.  



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Feb 22, 2018 (Close)

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