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Compare HDFC with GRUH FINANCE - Equitymaster

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HDFC vs GRUH FINANCE - 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 GRUH FINANCE HDFC/
GRUH FINANCE
 
P/E (TTM) x 18.4 31.7 58.2% View Chart
P/BV x 5.0 8.3 60.0% View Chart
Dividend Yield % 1.0 1.1 90.6%  

Financials

 HDFC   GRUH FINANCE
EQUITY SHARE DATA
    HDFC
Mar-17
GRUH FINANCE
Mar-18
HDFC/
GRUH FINANCE
5-Yr Chart
Click to enlarge
High Rs1,528714 214.2%   
Low Rs1,060368 288.3%   
Income per share (Unadj.) Rs357.146.1 774.1%  
Earnings per share (Unadj.) Rs69.69.9 701.5%  
Cash flow per share (Unadj.) Rs245.118.1 1,355.9%  
Dividends per share (Unadj.) Rs18.003.30 545.5%  
Avg Dividend yield %1.40.6 227.8%  
Book value per share (Unadj.) Rs378.037.8 1,001.2%  
Shares outstanding (eoy) m1,588.67365.72 434.4%   
Bonus/Rights/Conversions ESOPESOS-  
Avg Price / Income ratio x3.611.7 30.9%   
Avg P/E ratio x18.654.5 34.1%  
Avg P/CF ratio x17.349.0 35.2%  
Avg Price/Bookvalue ratio x3.414.3 23.9%  
Dividend payout %25.933.3 77.8%   
Avg Mkt Cap Rs m2,056,216197,727 1,039.9%   
No. of employees `0002.30.7 333.1%   
Total wages & salary Rs m9,130545 1,675.0%   
Avg. income/employee Rs Th246,136.224,381.4 1,009.5%   
Avg. wages/employee Rs Th3,961.0787.7 502.9%   
Avg. net profit/employee Rs Th47,944.15,241.0 914.8%   
INCOME DATA
Interest income Rs m567,34416,872 3,362.7%  
Other income Rs m43,532538 8,096.0%   
Interest expense Rs m219,5329,825 2,234.5%   
Net interest income Rs m347,8127,047 4,935.3%  
Operating expense Rs m247,1891,396 17,709.5%   
Gross profit Rs m100,6235,652 1,780.4%  
Gross profit margin %17.733.5 52.9%  
Provisions/contingencies Rs m8,530406 2,103.6%   
Profit before tax Rs m126,4965,621 2,250.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-7,9700-   
Prior Period Items Rs m32,1940-   
Tax Rs m40,2081,994 2,016.5%   
Profit after tax Rs m110,5113,627 3,047.1%  
Net profit margin %19.521.5 90.6%  
BALANCE SHEET DATA
Advances Rs m3,121,287157,206 1,985.5%   
Deposits Rs m418,38010,122 4,133.2%  
Credit/Deposit ratio x746.01,553.0 48.0%  
Yield on advances %10.010.2 98.0%   
Cost of deposits %7.212.5 57.7%   
Net Interest Margin %8.14.5 180.9%  
Net fixed assets Rs m13,424154 8,705.4%   
Share capital Rs m3,177731 434.4%   
Free reserves Rs m453,78813,078 3,469.9%   
Net worth Rs m600,59313,809 4,349.2%   
Borrowings Rs m1,201,14166,655 1,802.0%   
Investments Rs m1,190,460830 143,377.1%   
Total assets Rs m4,731,581159,710 2,962.6%  
Debt/equity ratio x2.75.6 48.5%   
Return on assets %2.32.3 102.9%  
Return on equity %18.426.3 70.1%  
Capital adequacy ratio %14.518.9 76.7%  
Net NPAs %00-  
CASH FLOW
From Operations Rs m-141,731-19,296 734.5%  
From Investments Rs m-272,28349 -553,420.5%  
From Financial Activity Rs m431,27319,314 2,232.9%  
Net Cashflow Rs m17,25968 25,493.9%  

Share Holding

Indian Promoters % 0.0 59.4 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.5 0.4 2,625.0%  
FIIs % 77.6 15.9 488.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 12.0 24.3 49.4%  
Shareholders   175,570 18,801 933.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare HDFC With:   RURAL ELECT.  LIC HOUSING  IDFC LIMITED  SHRIRAM TRANSPORT FIN.  MAGMA FINCORP  



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