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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 17.3 51.8 33.3% View Chart
P/BV x 2.7 16.8 16.3% View Chart
Dividend Yield % 1.2 1.0 113.6%  

Financials

 HDFC   GRUH FINANCE
EQUITY SHARE DATA
    HDFC
Mar-19
GRUH FINANCE
Mar-18
HDFC/
GRUH FINANCE
5-Yr Chart
Click to enlarge
High Rs2,051714 287.4%   
Low Rs1,646368 447.6%   
Income per share (Unadj.) Rs528.746.1 1,146.0%  
Earnings per share (Unadj.) Rs102.19.9 1,029.8%  
Cash flow per share (Unadj.) Rs407.618.1 2,254.9%  
Dividends per share (Unadj.) Rs21.003.30 636.4%  
Avg Dividend yield %1.10.6 186.1%  
Book value per share (Unadj.) Rs649.137.8 1,719.0%  
Shares outstanding (eoy) m1,721.44365.72 470.7%   
Bonus/Rights/Conversions ESOPESOS-  
Avg Price / Income ratio x3.511.7 29.8%   
Avg P/E ratio x18.154.5 33.2%  
Avg P/CF ratio x17.649.0 36.0%  
Avg Price/Bookvalue ratio x2.814.3 19.9%  
Dividend payout %20.633.3 61.8%   
Avg Mkt Cap Rs m3,182,082197,727 1,609.3%   
No. of employees `0002.80.7 410.4%   
Total wages & salary Rs m29,674545 5,443.7%   
Avg. income/employee Rs Th320,447.224,381.4 1,314.3%   
Avg. wages/employee Rs Th10,448.5787.7 1,326.4%   
Avg. net profit/employee Rs Th61,903.25,241.0 1,181.1%   
INCOME DATA
Interest income Rs m910,07016,872 5,394.0%  
Other income Rs m51,879538 9,648.2%   
Interest expense Rs m295,2539,825 3,005.3%   
Net interest income Rs m614,8177,047 8,724.0%  
Operating expense Rs m485,3051,396 34,768.9%   
Gross profit Rs m129,5125,652 2,291.6%  
Gross profit margin %14.233.5 42.5%  
Provisions/contingencies Rs m4,626406 1,140.8%   
Profit before tax Rs m147,0915,621 2,617.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m73,8980-   
Tax Rs m45,1851,994 2,266.1%   
Profit after tax Rs m175,8053,627 4,847.4%  
Net profit margin %19.321.5 89.9%  
BALANCE SHEET DATA
Advances Rs m4,223,638157,206 2,686.7%   
Deposits Rs m1,055,98910,122 10,432.2%  
Credit/Deposit ratio x400.01,553.0 25.8%  
Yield on advances %11.110.2 108.7%   
Cost of deposits %11.212.5 89.6%   
Net Interest Margin %12.34.5 276.3%  
Net fixed assets Rs m13,134154 8,517.8%   
Share capital Rs m3,443731 470.7%   
Free reserves Rs m1,113,88913,078 8,517.4%   
Net worth Rs m1,117,33113,809 8,091.2%   
Borrowings Rs m903,75466,655 1,355.9%   
Investments Rs m766,340830 92,296.7%   
Total assets Rs m6,608,751159,710 4,138.0%  
Debt/equity ratio x1.85.6 31.5%   
Return on assets %2.72.3 117.1%  
Return on equity %15.726.3 59.9%  
Capital adequacy ratio %19.118.9 101.1%  
Net NPAs %0.80-  
CASH FLOW
From Operations Rs m-443,014-19,296 2,295.9%  
From Investments Rs m-103,15649 -209,666.9%  
From Financial Activity Rs m549,85619,314 2,846.9%  
Net Cashflow Rs m3,68668 5,444.6%  

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:   PNB GILTS  JM FINANCIAL  DHFL  SHRIRAM CITY UNION  IFCI  



Today's Market

Indian Indices End Flat; Metal and Telecom Stocks Witness Buying(Closing)

Indian share markets continued to trade on a volatile note and ended on a flat note today. At the closing bell, the BSE Sensex stood lower by 24 points (down 0.1%).

Related Views on News

HDFC Announces Quarterly Results (3QFY20); Net Profit Up 296.1% (Quarterly Result Update)

Jan 28, 2020 | Updated on Jan 28, 2020

For the quarter ended December 2019, HDFC has posted a net profit of Rs 84 bn (up 296.1% YoY). Sales on the other hand came in at Rs 203 bn (up 92.2% YoY). Read on for a complete analysis of HDFC's quarterly results.

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.

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.

GRUH FINANCE Announces Quarterly Results (3QFY19); Net Profit Up 18.0% (Quarterly Result Update)

Jan 28, 2019 | Updated on Jan 28, 2019

For the quarter ended December 2018, GRUH FINANCE has posted a net profit of Rs 970 m (up 18.0% YoY). Sales on the other hand came in at Rs 5 bn (up 26.0% YoY). Read on for a complete analysis of GRUH FINANCE's quarterly results.

GRUH FINANCE Announces Quarterly Results (2QFY19); Net Profit Up 35.6% (Quarterly Result Update)

Nov 9, 2018 | Updated on Nov 9, 2018

For the quarter ended September 2018, GRUH FINANCE has posted a net profit of Rs 1 bn (up 35.6% YoY). Sales on the other hand came in at Rs 5 bn (up 16.1% YoY). Read on for a complete analysis of GRUH FINANCE's quarterly results.

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Aug 5, 2020 (Close)

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