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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 24.1 57.6 41.8% View Chart
P/BV x 4.8 22.4 21.3% View Chart
Dividend Yield % 1.0 0.4 222.3%  

Financials

 HDFC   GRUH FINANCE
EQUITY SHARE DATA
    HDFC
Mar-17
GRUH FINANCE
Mar-16
HDFC/
GRUH FINANCE
5-Yr Chart
Click to enlarge
High Rs1,528277 551.8%   
Low Rs1,060215 493.8%   
Income per share (Unadj.) Rs357.133.8 1,057.8%  
Earnings per share (Unadj.) Rs69.66.7 1,038.6%  
Cash flow per share (Unadj.) Rs245.112.0 2,049.9%  
Dividends per share (Unadj.) Rs18.002.30 782.6%  
Avg Dividend yield %1.40.9 148.7%  
Book value per share (Unadj.) Rs378.023.0 1,646.0%  
Shares outstanding (eoy) m1,588.67363.68 436.8%   
Bonus/Rights/Conversions ESOPESOS-  
Avg Price / Income ratio x3.67.3 49.8%   
Avg P/E ratio x18.636.7 50.7%  
Avg P/CF ratio x17.334.0 50.8%  
Avg Price/Bookvalue ratio x3.410.7 32.0%  
Dividend payout %25.934.3 75.4%   
Avg Mkt Cap Rs m2,056,21689,411 2,299.7%   
No. of employees `0002.30.6 359.6%   
Total wages & salary Rs m9,130428 2,133.2%   
Avg. income/employee Rs Th246,136.219,155.1 1,285.0%   
Avg. wages/employee Rs Th3,961.0667.7 593.2%   
Avg. net profit/employee Rs Th47,944.13,800.0 1,261.7%   
INCOME DATA
Interest income Rs m567,34412,278 4,620.7%  
Other income Rs m43,532476 9,151.2%   
Interest expense Rs m219,5327,961 2,757.7%   
Net interest income Rs m347,8124,318 8,055.5%  
Operating expense Rs m247,189927 26,674.1%   
Gross profit Rs m100,6233,391 2,967.4%  
Gross profit margin %17.727.6 64.2%  
Provisions/contingencies Rs m8,530195 4,367.6%   
Profit before tax Rs m126,4963,617 3,497.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-7,9700-   
Prior Period Items Rs m32,1940-   
Tax Rs m40,2081,181 3,404.0%   
Profit after tax Rs m110,5112,436 4,537.0%  
Net profit margin %19.519.8 98.2%  
BALANCE SHEET DATA
Advances Rs m3,121,287105,749 2,951.6%   
Deposits Rs m418,38010,017 4,176.7%  
Credit/Deposit ratio x746.01,055.7 70.7%  
Yield on advances %10.011.4 87.5%   
Cost of deposits %7.213.2 54.4%   
Net Interest Margin %8.14.1 198.2%  
Net fixed assets Rs m13,424146 9,219.6%   
Share capital Rs m3,177727 436.8%   
Free reserves Rs m453,7883,789 11,976.8%   
Net worth Rs m600,5938,353 7,190.1%   
Borrowings Rs m1,201,14186,282 1,392.1%   
Investments Rs m1,190,460330 361,292.8%   
Total assets Rs m4,731,581114,426 4,135.1%  
Debt/equity ratio x2.711.5 23.4%   
Return on assets %2.32.1 109.7%  
Return on equity %18.429.2 63.1%  
Capital adequacy ratio %14.517.8 81.4%  
Net NPAs %00-  
CASH FLOW
From Operations Rs m-141,731-19,187 738.7%  
From Investments Rs m-272,283-44 614,634.1%  
From Financial Activity Rs m431,27319,423 2,220.4%  
Net Cashflow Rs m17,259192 9,012.7%  

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:   L&T FINANCE HOLDINGS  MUTHOOT FINANCE  IFCI  IDFC LIMITED  PNB GILTS  



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HDFC: Listing Gains Mask Healthy Growth and Asset Quality (Quarterly Results Update - Detailed)

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