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Compare HDFC with LIC Housing - Equitymaster

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HDFC vs LIC HOUSING - 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

LIC HOUSING 
   Change

LICHF is a key player in the housing finance industry in India with around 9% market share. It was promoted in 1989 by LIC (with a 40% stake). Its capital adequacy ratio stood at 16.7% at the end of FY12, as against a requirement of 12%. The company ... More

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Current Valuations

    HDFC LIC HOUSING HDFC/
LIC HOUSING
 
P/E (TTM) x 22.7 10.6 214.3% View Chart
P/BV x 3.4 2.0 169.5% View Chart
Dividend Yield % 1.1 1.4 77.0%  

Financials

 HDFC   LIC HOUSING
EQUITY SHARE DATA
    HDFC
Mar-18
LIC HOUSING
Mar-17
HDFC/
LIC HOUSING
5-Yr Chart
Click to enlarge
High Rs1,982629 315.1%   
Low Rs1,461432 338.4%   
Income per share (Unadj.) Rs385.5277.6 138.9%  
Earnings per share (Unadj.) Rs97.038.5 252.0%  
Cash flow per share (Unadj.) Rs296.165.2 454.5%  
Dividends per share (Unadj.) Rs20.006.20 322.6%  
Avg Dividend yield %1.21.2 99.4%  
Book value per share (Unadj.) Rs516.4221.1 233.6%  
Shares outstanding (eoy) m1,675.88504.66 332.1%   
Bonus/Rights/Conversions ESOP--  
Avg Price / Income ratio x4.51.9 233.7%   
Avg P/E ratio x17.713.8 128.8%  
Avg P/CF ratio x17.212.0 143.1%  
Avg Price/Bookvalue ratio x3.32.4 138.9%  
Dividend payout %20.616.1 128.0%   
Avg Mkt Cap Rs m2,884,776267,646 1,077.8%   
No. of employees `0002.61.8 140.5%   
Total wages & salary Rs m10,4812,662 393.7%   
Avg. income/employee Rs Th250,900.476,415.4 328.3%   
Avg. wages/employee Rs Th4,070.41,452.4 280.3%   
Avg. net profit/employee Rs Th63,126.110,596.1 595.7%   
INCOME DATA
Interest income Rs m646,069140,069 461.2%  
Other income Rs m45,348940 4,825.8%   
Interest expense Rs m234,524102,314 229.2%   
Net interest income Rs m411,54437,755 1,090.0%  
Operating expense Rs m299,2926,053 4,944.5%   
Gross profit Rs m112,25231,702 354.1%  
Gross profit margin %17.422.6 76.8%  
Provisions/contingencies Rs m5,6372,910 193.7%   
Profit before tax Rs m176,02529,732 592.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-10,7660 10,765,800.0%   
Prior Period Items Rs m37,3025 828,940.0%   
Tax Rs m40,01210,314 388.0%   
Profit after tax Rs m162,55019,423 836.9%  
Net profit margin %25.213.9 181.4%  
BALANCE SHEET DATA
Advances Rs m3,791,7281,445,340 262.3%   
Deposits Rs m445,9950-  
Credit/Deposit ratio x850.2NM- 
Yield on advances %9.09.6 93.6%   
Cost of deposits %6.1N.A.-  
Net Interest Margin %7.92.6 304.8%  
Net fixed assets Rs m13,5411,072 1,262.8%   
Share capital Rs m3,3521,010 331.9%   
Free reserves Rs m862,062110,544 779.8%   
Net worth Rs m865,414111,559 775.7%   
Borrowings Rs m1,171,1031,037,389 112.9%   
Investments Rs m1,394,8645,192 26,866.1%   
Total assets Rs m5,627,0131,509,972 372.7%  
Debt/equity ratio x1.99.3 20.1%   
Return on assets %2.91.3 224.6%  
Return on equity %18.817.4 107.9%  
Capital adequacy ratio %19.215.6 122.8%  
Net NPAs %00.1 0.0%  
CASH FLOW
From Operations Rs m-328,634-142,732 230.2%  
From Investments Rs m-237,069-2,777 8,537.8%  
From Financial Activity Rs m540,279150,721 358.5%  
Net Cashflow Rs m-25,4235,212 -487.7%  

Share Holding

Indian Promoters % 0.0 40.3 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.5 7.0 150.0%  
FIIs % 77.6 38.0 204.2%  
ADR/GDR % 0.0 0.6 -  
Free float % 12.0 14.2 84.5%  
Shareholders   175,570 159,214 110.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare HDFC With:   PNB GILTS  IFCI  DEWAN H.FIN.  SHRIRAM CITY UNION  GIC HOUSING  



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