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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 25.2 14.3 176.9% View Chart
P/BV x 5.0 3.1 162.8% View Chart
Dividend Yield % 0.9 1.0 96.8%  

Financials

 HDFC   LIC HOUSING
EQUITY SHARE DATA
    HDFC
Mar-17
LIC HOUSING
Mar-16
HDFC/
LIC HOUSING
5-Yr Chart
Click to enlarge
High Rs1,528514 297.5%   
Low Rs1,060389 272.5%   
Income per share (Unadj.) Rs357.1245.9 145.2%  
Earnings per share (Unadj.) Rs69.633.0 210.5%  
Cash flow per share (Unadj.) Rs245.157.1 429.0%  
Dividends per share (Unadj.) Rs18.005.50 327.3%  
Avg Dividend yield %1.41.2 114.1%  
Book value per share (Unadj.) Rs378.0182.6 207.0%  
Shares outstanding (eoy) m1,588.67504.66 314.8%   
Bonus/Rights/Conversions ESOP--  
Avg Price / Income ratio x3.61.8 197.5%   
Avg P/E ratio x18.613.7 136.2%  
Avg P/CF ratio x17.312.5 138.3%  
Avg Price/Bookvalue ratio x3.42.5 138.5%  
Dividend payout %25.916.6 155.5%   
Avg Mkt Cap Rs m2,056,216227,778 902.7%   
No. of employees `0002.31.7 133.5%   
Total wages & salary Rs m9,1301,645 555.0%   
Avg. income/employee Rs Th246,136.271,902.3 342.3%   
Avg. wages/employee Rs Th3,961.0953.1 415.6%   
Avg. net profit/employee Rs Th47,944.19,662.2 496.2%   
INCOME DATA
Interest income Rs m567,344124,103 457.2%  
Other income Rs m43,532922 4,719.5%   
Interest expense Rs m219,53293,066 235.9%   
Net interest income Rs m347,81231,037 1,120.6%  
Operating expense Rs m247,1894,644 5,322.8%   
Gross profit Rs m100,62326,393 381.2%  
Gross profit margin %17.721.3 83.4%  
Provisions/contingencies Rs m8,5301,565 545.1%   
Profit before tax Rs m126,49625,751 491.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-7,970-3 274,834.5%   
Prior Period Items Rs m32,1944 870,102.7%   
Tax Rs m40,2089,074 443.1%   
Profit after tax Rs m110,51116,677 662.7%  
Net profit margin %19.513.4 145.0%  
BALANCE SHEET DATA
Advances Rs m3,121,2871,251,732 249.4%   
Deposits Rs m418,3800-  
Credit/Deposit ratio x746.0NM- 
Yield on advances %10.09.8 101.8%   
Cost of deposits %7.2N.A.-  
Net Interest Margin %8.12.5 326.0%  
Net fixed assets Rs m13,4241,024 1,310.4%   
Share capital Rs m3,1771,010 314.6%   
Free reserves Rs m453,78891,131 498.0%   
Net worth Rs m600,59392,146 651.8%   
Borrowings Rs m1,201,141906,581 132.5%   
Investments Rs m1,190,4602,637 45,149.6%   
Total assets Rs m4,731,5811,305,873 362.3%  
Debt/equity ratio x2.79.8 27.4%   
Return on assets %2.31.3 182.9%  
Return on equity %18.418.1 101.7%  
Capital adequacy ratio %14.517.0 85.1%  
Net NPAs %00.2 0.0%  
CASH FLOW
From Operations Rs m-141,731-130,394 108.7%  
From Investments Rs m-272,283-576 47,287.8%  
From Financial Activity Rs m431,273140,975 305.9%  
Net Cashflow Rs m17,25910,005 172.5%  

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:   MAHINDRA FINANCE  MUTHOOT FINANCE  GIC HOUSING  IDFC LIMITED  PNB GILTS  



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