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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 27.9 51.8 53.8% View Chart
P/BV x 3.6 16.8 21.7% View Chart
Dividend Yield % 0.8 1.0 75.6%  

Financials

 HDFC   GRUH FINANCE
EQUITY SHARE DATA
    HDFC
Mar-20
GRUH FINANCE
Mar-18
HDFC/
GRUH FINANCE
5-Yr Chart
Click to enlarge
High Rs2,500714 350.3%   
Low Rs1,473368 400.6%   
Income per share (Unadj.) Rs587.346.1 1,273.1%  
Earnings per share (Unadj.) Rs131.89.9 1,328.9%  
Cash flow per share (Unadj.) Rs422.318.1 2,336.4%  
Dividends per share (Unadj.) Rs21.003.30 636.4%  
Avg Dividend yield %1.10.6 173.2%  
Book value per share (Unadj.) Rs730.237.8 1,933.9%  
Shares outstanding (eoy) m1,732.05365.72 473.6%   
Bonus/Rights/Conversions ESOPESOS-  
Avg Price / Income ratio x3.411.7 28.9%   
Avg P/E ratio x15.154.5 27.6%  
Avg P/CF ratio x14.849.0 30.1%  
Avg Price/Bookvalue ratio x2.714.3 19.0%  
Dividend payout %15.933.3 47.9%   
Avg Mkt Cap Rs m3,440,544197,727 1,740.1%   
No. of employees `0003.10.7 447.3%   
Total wages & salary Rs m13,567545 2,488.8%   
Avg. income/employee Rs Th328,677.624,381.4 1,348.1%   
Avg. wages/employee Rs Th4,383.4787.7 556.5%   
Avg. net profit/employee Rs Th73,752.75,241.0 1,407.2%   
INCOME DATA
Interest income Rs m1,017,25716,872 6,029.3%  
Other income Rs m702538 130.5%   
Interest expense Rs m321,0959,825 3,268.3%   
Net interest income Rs m696,1637,047 9,878.3%  
Operating expense Rs m474,2011,396 33,973.4%   
Gross profit Rs m221,9625,652 3,927.4%  
Gross profit margin %21.833.5 65.1%  
Provisions/contingencies Rs m4,626406 1,140.8%   
Profit before tax Rs m204,4725,621 3,637.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m57,4610-   
Tax Rs m33,6681,994 1,688.5%   
Profit after tax Rs m228,2653,627 6,293.8%  
Net profit margin %22.421.5 104.4%  
BALANCE SHEET DATA
Advances Rs m4,454,962157,206 2,833.8%   
Deposits Rs m1,323,04810,122 13,070.5%  
Credit/Deposit ratio x336.71,553.0 21.7%  
Yield on advances %9.610.2 93.9%   
Cost of deposits %9.012.5 72.5%   
Net Interest Margin %12.84.5 286.2%  
Net fixed assets Rs m29,526154 19,148.0%   
Share capital Rs m3,464731 473.6%   
Free reserves Rs m1,261,32813,078 9,644.8%   
Net worth Rs m1,264,79213,809 9,159.1%   
Borrowings Rs m1,079,14766,655 1,619.0%   
Investments Rs m999,110830 120,331.2%   
Total assets Rs m7,298,149159,710 4,569.6%  
Debt/equity ratio x1.95.6 34.2%   
Return on assets %3.12.3 137.7%  
Return on equity %18.026.3 68.7%  
Capital adequacy ratio %17.618.9 93.1%  
Net NPAs %1.50-  
CASH FLOW
From Operations Rs m-268,850-19,296 1,393.3%  
From Investments Rs m-98,73749 -200,683.9%  
From Financial Activity Rs m387,73819,314 2,007.5%  
Net Cashflow Rs m20,15268 29,765.9%  

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:   SREI INFRA FINANCE  DHFL  MAGMA FINCORP  JM FINANCIAL  SHRIRAM TRANSPORT  



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