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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 30.4 4.7 646.6% View Chart
P/BV x 3.7 0.9 413.4% View Chart
Dividend Yield % 1.0 3.3 29.6%  

Financials

 HDFC   GIC HOUSING
EQUITY SHARE DATA
    HDFC
Mar-18
GIC HOUSING
Mar-18
HDFC/
GIC HOUSING
5-Yr Chart
Click to enlarge
High Rs1,982616 321.8%   
Low Rs1,461347 420.6%   
Income per share (Unadj.) Rs385.5204.1 188.9%  
Earnings per share (Unadj.) Rs97.034.2 283.2%  
Cash flow per share (Unadj.) Rs296.154.2 546.6%  
Dividends per share (Unadj.) Rs20.005.50 363.6%  
Avg Dividend yield %1.21.1 101.7%  
Book value per share (Unadj.) Rs516.4183.9 280.8%  
Shares outstanding (eoy) m1,675.8853.85 3,112.1%   
Bonus/Rights/Conversions ESOP--  
Avg Price / Income ratio x4.52.4 189.3%   
Avg P/E ratio x17.714.1 126.2%  
Avg P/CF ratio x17.210.5 163.0%  
Avg Price/Bookvalue ratio x3.32.6 127.3%  
Dividend payout %20.616.1 128.4%   
Avg Mkt Cap Rs m2,884,77625,934 11,123.5%   
No. of employees `0002.60.3 950.2%   
Total wages & salary Rs m10,481290 3,614.3%   
Avg. income/employee Rs Th250,900.440,560.9 618.6%   
Avg. wages/employee Rs Th4,070.41,070.1 380.4%   
Avg. net profit/employee Rs Th63,126.16,805.5 927.6%   
INCOME DATA
Interest income Rs m646,06910,992 5,877.6%  
Other income Rs m45,34820 223,389.7%   
Interest expense Rs m234,5247,128 3,290.4%   
Net interest income Rs m411,5443,864 10,649.6%  
Operating expense Rs m299,292819 36,565.9%   
Gross profit Rs m112,2523,046 3,685.4%  
Gross profit margin %17.427.7 62.7%  
Provisions/contingencies Rs m5,637620 909.8%   
Profit before tax Rs m176,0252,718 6,475.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-10,7660-   
Prior Period Items Rs m37,3020-   
Tax Rs m40,012874 4,578.0%   
Profit after tax Rs m162,5501,844 8,813.6%  
Net profit margin %25.216.8 150.0%  
BALANCE SHEET DATA
Advances Rs m3,791,728112,351 3,374.9%   
Deposits Rs m445,9950-  
Credit/Deposit ratio x850.2NM- 
Yield on advances %9.09.8 91.9%   
Cost of deposits %6.1N.A.-  
Net Interest Margin %7.93.4 231.2%  
Net fixed assets Rs m13,54121 65,416.4%   
Share capital Rs m3,352539 622.1%   
Free reserves Rs m862,0629,364 9,206.5%   
Net worth Rs m865,4149,902 8,739.4%   
Borrowings Rs m1,171,10376,512 1,530.6%   
Investments Rs m1,394,864265 526,960.1%   
Total assets Rs m5,627,013113,547 4,955.7%  
Debt/equity ratio x1.97.7 24.2%   
Return on assets %2.91.6 177.8%  
Return on equity %18.818.6 100.8%  
Capital adequacy ratio %19.216.2 118.7%  
Net NPAs %00-  
CASH FLOW
From Operations Rs m-328,634-17,213 1,909.2%  
From Investments Rs m-237,06916 -1,529,474.2%  
From Financial Activity Rs m540,27917,148 3,150.7%  
Net Cashflow Rs m-25,423-49 51,673.2%  

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:   RURAL ELECTRIFICATION  LIC HOUSING  IDFC  SHRIRAM TRANSPORT  MAGMA FINCORP  



Today's Market

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Another week of slowdown in the markets over fears of a looming slowdown in the domestic and global economy continue.

Related Views on News

HDFC Announces Quarterly Results (1QFY20); Net Profit Up 46.3% (Quarterly Result Update)

Aug 14, 2019 | Updated on Aug 14, 2019

For the quarter ended June 2019, HDFC has posted a net profit of Rs 32 bn (up 46.3% YoY). Sales on the other hand came in at Rs 130 bn (up 30.7% YoY). Read on for a complete analysis of HDFC's quarterly results.

GIC HOUSING Announces Quarterly Results (3QFY19); Net Profit Down 17.0% (Quarterly Result Update)

Feb 4, 2019 | Updated on Feb 4, 2019

For the quarter ended December 2018, GIC HOUSING has posted a net profit of Rs 350 m (down 17.0% YoY). Sales on the other hand came in at Rs 3 bn (up 8.7% YoY). Read on for a complete analysis of GIC HOUSING's quarterly results.

HDFC Announces Quarterly Results (3QFY19); Net Profit Down 62.7% (Quarterly Result Update)

Jan 30, 2019 | Updated on Jan 30, 2019

For the quarter ended December 2018, HDFC has posted a net profit of Rs 21 bn (down 62.7% YoY). Sales on the other hand came in at Rs 106 bn (up 21.6% YoY). Read on for a complete analysis of HDFC's quarterly results.

GIC HOUSING Announces Quarterly Results (2QFY19); Net Profit Up 10.1% (Quarterly Result Update)

Nov 28, 2018 | Updated on Nov 28, 2018

For the quarter ended September 2018, GIC HOUSING has posted a net profit of Rs 462 m (up 10.1% YoY). Sales on the other hand came in at Rs 3 bn (up 10.1% YoY). Read on for a complete analysis of GIC HOUSING's quarterly results.

HDFC Announces Quarterly Results (2QFY19); Net Profit Up 17.4% (Quarterly Result Update)

Nov 5, 2018 | Updated on Nov 5, 2018

For the quarter ended September 2018, HDFC has posted a net profit of Rs 25 bn (up 17.4% YoY). Sales on the other hand came in at Rs 112 bn (up 28.5% YoY). Read on for a complete analysis of HDFC's quarterly results.

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