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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 35.9 11.1 322.7% View Chart
P/BV x 4.0 2.1 188.7% View Chart
Dividend Yield % 0.9 1.3 72.3%  

Financials

 HDFC   LIC HOUSING
EQUITY SHARE DATA
    HDFC
Mar-18
LIC HOUSING
Mar-18
HDFC/
LIC HOUSING
5-Yr Chart
Click to enlarge
High Rs1,982794 249.6%   
Low Rs1,461478 305.9%   
Income per share (Unadj.) Rs385.5297.0 129.8%  
Earnings per share (Unadj.) Rs97.039.9 243.1%  
Cash flow per share (Unadj.) Rs296.169.0 428.8%  
Dividends per share (Unadj.) Rs20.006.80 294.1%  
Avg Dividend yield %1.21.1 108.6%  
Book value per share (Unadj.) Rs516.4253.5 203.7%  
Shares outstanding (eoy) m1,675.88504.66 332.1%   
Bonus/Rights/Conversions ESOP--  
Avg Price / Income ratio x4.52.1 208.6%   
Avg P/E ratio x17.715.9 111.4%  
Avg P/CF ratio x17.214.2 121.0%  
Avg Price/Bookvalue ratio x3.32.5 132.9%  
Dividend payout %20.617.0 121.0%   
Avg Mkt Cap Rs m2,884,776320,863 899.1%   
No. of employees `0002.62.1 122.4%   
Total wages & salary Rs m10,4812,392 438.1%   
Avg. income/employee Rs Th250,900.471,267.1 352.1%   
Avg. wages/employee Rs Th4,070.41,137.6 357.8%   
Avg. net profit/employee Rs Th63,126.19,576.3 659.2%   
INCOME DATA
Interest income Rs m646,069149,875 431.1%  
Other income Rs m45,3481,178 3,850.6%   
Interest expense Rs m234,524111,246 210.8%   
Net interest income Rs m411,54438,629 1,065.4%  
Operating expense Rs m299,2926,374 4,695.2%   
Gross profit Rs m112,25232,255 348.0%  
Gross profit margin %17.421.5 80.7%  
Provisions/contingencies Rs m5,6372,491 226.3%   
Profit before tax Rs m176,02530,941 568.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-10,766-4 307,594.3%   
Prior Period Items Rs m37,30225 152,254.3%   
Tax Rs m40,01210,823 369.7%   
Profit after tax Rs m162,55020,139 807.1%  
Net profit margin %25.213.4 187.2%  
BALANCE SHEET DATA
Advances Rs m3,791,7281,663,629 227.9%   
Deposits Rs m445,9950-  
Credit/Deposit ratio x850.2NM- 
Yield on advances %9.08.9 100.9%   
Cost of deposits %6.1N.A.-  
Net Interest Margin %7.92.3 343.7%  
Net fixed assets Rs m13,5411,320 1,026.2%   
Share capital Rs m3,3521,010 331.9%   
Free reserves Rs m862,062126,921 679.2%   
Net worth Rs m865,414127,931 676.5%   
Borrowings Rs m1,171,1031,102,219 106.2%   
Investments Rs m1,394,8649,651 14,453.2%   
Total assets Rs m5,627,0131,719,690 327.2%  
Debt/equity ratio x1.98.6 21.7%   
Return on assets %2.91.2 246.7%  
Return on equity %18.815.7 119.3%  
Capital adequacy ratio %19.215.5 124.0%  
Net NPAs %00.4 0.0%  
CASH FLOW
From Operations Rs m-328,634-194,857 168.7%  
From Investments Rs m-237,069-4,868 4,870.1%  
From Financial Activity Rs m540,279186,139 290.3%  
Net Cashflow Rs m-25,423-13,585 187.1%  

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:   CAPITAL FIRST  RURAL ELECTRIFICATION  L&T FINANCE HOLDINGS  GRUH FINANCE  MAGMA FINCORP  



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