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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 22.9 50.7 45.2% View Chart
P/BV x 3.5 15.9 21.9% View Chart
Dividend Yield % 1.1 1.1 95.6%  

Financials

 HDFC   GRUH FINANCE
EQUITY SHARE DATA
    HDFC
Mar-18
GRUH FINANCE
Mar-18
HDFC/
GRUH FINANCE
5-Yr Chart
Click to enlarge
High Rs1,982714 277.7%   
Low Rs1,461368 397.3%   
Income per share (Unadj.) Rs385.546.1 835.6%  
Earnings per share (Unadj.) Rs97.09.9 978.1%  
Cash flow per share (Unadj.) Rs296.118.1 1,638.0%  
Dividends per share (Unadj.) Rs20.003.30 606.1%  
Avg Dividend yield %1.20.6 190.4%  
Book value per share (Unadj.) Rs516.437.8 1,367.6%  
Shares outstanding (eoy) m1,675.88365.72 458.2%   
Bonus/Rights/Conversions ESOPESOS-  
Avg Price / Income ratio x4.511.7 38.1%   
Avg P/E ratio x17.754.5 32.6%  
Avg P/CF ratio x17.249.0 35.0%  
Avg Price/Bookvalue ratio x3.314.3 23.3%  
Dividend payout %20.633.3 62.0%   
Avg Mkt Cap Rs m2,884,776197,727 1,459.0%   
No. of employees `0002.60.7 372.1%   
Total wages & salary Rs m10,481545 1,922.8%   
Avg. income/employee Rs Th250,900.424,381.4 1,029.1%   
Avg. wages/employee Rs Th4,070.4787.7 516.7%   
Avg. net profit/employee Rs Th63,126.15,241.0 1,204.5%   
INCOME DATA
Interest income Rs m646,06916,872 3,829.3%  
Other income Rs m45,348538 8,433.7%   
Interest expense Rs m234,5249,825 2,387.1%   
Net interest income Rs m411,5447,047 5,839.7%  
Operating expense Rs m299,2921,396 21,442.3%   
Gross profit Rs m112,2525,652 1,986.2%  
Gross profit margin %17.433.5 51.9%  
Provisions/contingencies Rs m5,637406 1,390.2%   
Profit before tax Rs m176,0255,621 3,131.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-10,7660-   
Prior Period Items Rs m37,3020-   
Tax Rs m40,0121,994 2,006.7%   
Profit after tax Rs m162,5503,627 4,481.9%  
Net profit margin %25.221.5 117.0%  
BALANCE SHEET DATA
Advances Rs m3,791,728157,206 2,412.0%   
Deposits Rs m445,99510,122 4,406.0%  
Credit/Deposit ratio x850.21,553.0 54.7%  
Yield on advances %9.010.2 88.2%   
Cost of deposits %6.112.5 48.6%   
Net Interest Margin %7.94.5 177.9%  
Net fixed assets Rs m13,541154 8,781.6%   
Share capital Rs m3,352731 458.3%   
Free reserves Rs m862,06213,078 6,591.8%   
Net worth Rs m865,41413,809 6,266.9%   
Borrowings Rs m1,171,10366,655 1,757.0%   
Investments Rs m1,394,864830 167,995.1%   
Total assets Rs m5,627,013159,710 3,523.3%  
Debt/equity ratio x1.95.6 33.6%   
Return on assets %2.92.3 127.2%  
Return on equity %18.826.3 71.5%  
Capital adequacy ratio %19.218.9 101.6%  
Net NPAs %00-  
CASH FLOW
From Operations Rs m-328,634-19,296 1,703.1%  
From Investments Rs m-237,06949 -481,846.5%  
From Financial Activity Rs m540,27919,314 2,797.3%  
Net Cashflow Rs m-25,42368 -37,552.7%  

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:   MAHINDRA FINANCE  MUTHOOT FINANCE  GIC HOUSING  L&T FINANCE HOLDINGS  SREI INFRA FINANCE  



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