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 39.5 9.0 438.3% View Chart
P/BV x 3.5 1.2 291.8% View Chart
Dividend Yield % 0.8 1.9 44.4%  

Financials

 HDFC   LIC HOUSING
EQUITY SHARE DATA
    HDFC
Mar-20
LIC HOUSING
Mar-20
HDFC/
LIC HOUSING
5-Yr Chart
Click to enlarge
High Rs2,500587 426.0%   
Low Rs1,473186 792.0%   
Income per share (Unadj.) Rs587.3388.7 151.1%  
Earnings per share (Unadj.) Rs131.847.5 277.5%  
Cash flow per share (Unadj.) Rs422.373.7 572.8%  
Dividends per share (Unadj.) Rs21.008.00 262.5%  
Avg Dividend yield %1.12.1 51.1%  
Book value per share (Unadj.) Rs730.2361.9 201.8%  
Shares outstanding (eoy) m1,732.05504.66 343.2%   
Bonus/Rights/Conversions ESOP--  
Avg Price / Income ratio x3.41.0 340.2%   
Avg P/E ratio x15.18.1 185.2%  
Avg P/CF ratio x14.87.8 188.8%  
Avg Price/Bookvalue ratio x2.71.1 254.8%  
Dividend payout %15.916.8 94.6%   
Avg Mkt Cap Rs m3,440,544195,001 1,764.4%   
No. of employees `0003.12.4 129.4%   
Total wages & salary Rs m13,5673,276 414.1%   
Avg. income/employee Rs Th328,677.681,999.8 400.8%   
Avg. wages/employee Rs Th4,383.41,369.6 320.0%   
Avg. net profit/employee Rs Th73,752.710,019.4 736.1%   
INCOME DATA
Interest income Rs m1,017,257196,144 518.6%  
Other income Rs m702-292 -240.2%   
Interest expense Rs m321,095147,814 217.2%   
Net interest income Rs m696,16348,329 1,440.5%  
Operating expense Rs m474,2015,405 8,773.0%   
Gross profit Rs m221,96242,924 517.1%  
Gross profit margin %21.821.9 99.7%  
Provisions/contingencies Rs m4,626949 487.5%   
Profit before tax Rs m204,47232,750 624.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-4 0.0%   
Prior Period Items Rs m57,4615 1,105,019.2%   
Tax Rs m33,6688,785 383.2%   
Profit after tax Rs m228,26523,966 952.4%  
Net profit margin %22.412.2 183.6%  
BALANCE SHEET DATA
Advances Rs m4,454,9622,079,745 214.2%   
Deposits Rs m1,323,0480-  
Credit/Deposit ratio x336.7NM- 
Yield on advances %9.69.5 100.9%   
Cost of deposits %9.0N.A.-  
Net Interest Margin %12.82.3 563.8%  
Net fixed assets Rs m29,5262,951 1,000.4%   
Share capital Rs m3,4641,010 343.0%   
Free reserves Rs m1,261,328181,639 694.4%   
Net worth Rs m1,264,792182,649 692.5%   
Borrowings Rs m1,079,1471,320,823 81.7%   
Investments Rs m999,11054,847 1,821.6%   
Total assets Rs m7,298,1492,169,197 336.4%  
Debt/equity ratio x1.97.2 26.3%   
Return on assets %3.11.1 283.1%  
Return on equity %18.013.1 137.5%  
Capital adequacy ratio %17.613.9 126.7%  
Net NPAs %1.52.0 74.9%  
CASH FLOW
From Operations Rs m-268,850-147,377 182.4%  
From Investments Rs m-98,737-18,514 533.3%  
From Financial Activity Rs m387,738151,555 255.8%  
Net Cashflow Rs m20,152-14,336 -140.6%  

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:   POWER FINANCE CORPORATION  L&T FINANCE HOLDINGS  PNB GILTS  REC  M&M FINANCIAL SERVICES  



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