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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 19.2 13.0 148.0% View Chart
P/BV x 5.2 2.3 224.5% View Chart
Dividend Yield % 0.9 1.2 75.4%  

Financials

 HDFC   LIC HOUSING
EQUITY SHARE DATA
    HDFC
Mar-17
LIC HOUSING
Mar-17
HDFC/
LIC HOUSING
5-Yr Chart
Click to enlarge
High Rs1,528629 243.0%   
Low Rs1,060432 245.6%   
Income per share (Unadj.) Rs357.1277.6 128.7%  
Earnings per share (Unadj.) Rs69.638.5 180.7%  
Cash flow per share (Unadj.) Rs245.165.2 376.2%  
Dividends per share (Unadj.) Rs18.006.20 290.3%  
Avg Dividend yield %1.41.2 119.0%  
Book value per share (Unadj.) Rs378.0221.1 171.0%  
Shares outstanding (eoy) m1,588.67504.66 314.8%   
Bonus/Rights/Conversions ESOP--  
Avg Price / Income ratio x3.61.9 189.7%   
Avg P/E ratio x18.613.8 135.0%  
Avg P/CF ratio x17.312.0 144.1%  
Avg Price/Bookvalue ratio x3.42.4 142.7%  
Dividend payout %25.916.1 160.6%   
Avg Mkt Cap Rs m2,056,216267,646 768.3%   
No. of employees `0002.31.8 125.8%   
Total wages & salary Rs m9,1302,662 342.9%   
Avg. income/employee Rs Th246,136.276,415.4 322.1%   
Avg. wages/employee Rs Th3,961.01,452.4 272.7%   
Avg. net profit/employee Rs Th47,944.110,596.1 452.5%   
INCOME DATA
Interest income Rs m567,344140,069 405.0%  
Other income Rs m43,532940 4,632.6%   
Interest expense Rs m219,532102,314 214.6%   
Net interest income Rs m347,81237,755 921.2%  
Operating expense Rs m247,1896,053 4,083.7%   
Gross profit Rs m100,62331,702 317.4%  
Gross profit margin %17.722.6 78.4%  
Provisions/contingencies Rs m8,5302,910 293.1%   
Profit before tax Rs m126,49629,732 425.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-7,9700 7,970,200.0%   
Prior Period Items Rs m32,1945 715,417.8%   
Tax Rs m40,20810,314 389.9%   
Profit after tax Rs m110,51119,423 569.0%  
Net profit margin %19.513.9 140.5%  
BALANCE SHEET DATA
Advances Rs m3,121,2871,445,340 216.0%   
Deposits Rs m418,3800-  
Credit/Deposit ratio x746.0NM- 
Yield on advances %10.09.6 104.0%   
Cost of deposits %7.2N.A.-  
Net Interest Margin %8.12.6 309.9%  
Net fixed assets Rs m13,4241,072 1,251.9%   
Share capital Rs m3,1771,010 314.6%   
Free reserves Rs m453,788110,544 410.5%   
Net worth Rs m600,593111,559 538.4%   
Borrowings Rs m1,201,1411,037,389 115.8%   
Investments Rs m1,190,4605,192 22,929.2%   
Total assets Rs m4,731,5811,509,972 313.4%  
Debt/equity ratio x2.79.3 29.0%   
Return on assets %2.31.3 181.6%  
Return on equity %18.417.4 105.7%  
Capital adequacy ratio %14.515.6 92.7%  
Net NPAs %00.1 0.0%  
CASH FLOW
From Operations Rs m-141,731-142,732 99.3%  
From Investments Rs m-272,283-2,777 9,806.0%  
From Financial Activity Rs m431,273150,721 286.1%  
Net Cashflow Rs m17,2595,212 331.1%  

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:   GRUH FINANCE  SHRIRAM TRANSPORT FIN.  MAGMA FINCORP  PNB GILTS  GIC HOUSING  



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