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HDFC vs M&M FINANCIAL SERVICES - 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

M&M FINANCIAL SERVICES 
   Change

Mahindra & Mahindra Financial Services Ltd (MMFSL), a subsidiary of M&M, is an NBFC focused on the rural and semi-urban sector providing finance for utility vehicles, tractors and cars. MMFSL seeks to position itself between the banks and moneylender... More

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Current Valuations

    HDFC M&M FINANCIAL SERVICES HDFC/
M&M FINANCIAL SERVICES
 
P/E (TTM) x 27.7 9.9 279.8% View Chart
P/BV x 3.6 0.9 418.6% View Chart
Dividend Yield % 0.8 0.0 -  

Financials

 HDFC   M&M FINANCIAL SERVICES
EQUITY SHARE DATA
    HDFC
Mar-20
M&M FINANCIAL SERVICES
Mar-20
HDFC/
M&M FINANCIAL SERVICES
5-Yr Chart
Click to enlarge
High Rs2,500442 565.0%   
Low Rs1,473138 1,064.4%   
Income per share (Unadj.) Rs587.3185.5 316.7%  
Earnings per share (Unadj.) Rs131.817.6 749.8%  
Cash flow per share (Unadj.) Rs422.363.4 666.6%  
Dividends per share (Unadj.) Rs21.000-  
Avg Dividend yield %1.10-  
Book value per share (Unadj.) Rs730.2193.7 376.9%  
Shares outstanding (eoy) m1,732.05617.76 280.4%   
Bonus/Rights/Conversions ESOP--  
Avg Price / Income ratio x3.41.6 216.0%   
Avg P/E ratio x15.116.5 91.2%  
Avg P/CF ratio x14.814.6 101.5%  
Avg Price/Bookvalue ratio x2.71.5 181.5%  
Dividend payout %15.90-   
Avg Mkt Cap Rs m3,440,544179,398 1,917.8%   
No. of employees `0003.121.9 14.2%   
Total wages & salary Rs m13,56716,098 84.3%   
Avg. income/employee Rs Th328,677.65,240.9 6,271.4%   
Avg. wages/employee Rs Th4,383.4736.4 595.3%   
Avg. net profit/employee Rs Th73,752.7496.7 14,849.4%   
INCOME DATA
Interest income Rs m1,017,257114,576 887.8%  
Other income Rs m7021,135 61.8%   
Interest expense Rs m321,09553,906 595.7%   
Net interest income Rs m696,16360,671 1,147.4%  
Operating expense Rs m474,20124,590 1,928.4%   
Gross profit Rs m221,96236,080 615.2%  
Gross profit margin %21.831.5 69.3%  
Provisions/contingencies Rs m4,6261,469 315.0%   
Profit before tax Rs m204,47215,561 1,314.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0459 0.0%   
Prior Period Items Rs m57,4610-   
Tax Rs m33,6685,162 652.2%   
Profit after tax Rs m228,26510,858 2,102.2%  
Net profit margin %22.49.5 236.8%  
BALANCE SHEET DATA
Advances Rs m4,454,962728,638 611.4%   
Deposits Rs m1,323,0480-  
Credit/Deposit ratio x336.7NM- 
Yield on advances %9.611.8 81.0%   
Cost of deposits %9.0N.A.-  
Net Interest Margin %12.87.8 164.5%  
Net fixed assets Rs m29,5265,545 532.4%   
Share capital Rs m3,4641,231 281.5%   
Free reserves Rs m1,261,328118,459 1,064.8%   
Net worth Rs m1,264,792119,690 1,056.7%   
Borrowings Rs m1,079,147333,271 323.8%   
Investments Rs m999,11053,404 1,870.9%   
Total assets Rs m7,298,149817,926 892.3%  
Debt/equity ratio x1.92.8 68.2%   
Return on assets %3.11.3 235.6%  
Return on equity %18.09.1 198.9%  
Capital adequacy ratio %17.619.6 89.8%  
Net NPAs %1.56.0 24.9%  
CASH FLOW
From Operations Rs m-268,850-31,152 863.0%  
From Investments Rs m-98,737-26,891 367.2%  
From Financial Activity Rs m387,73860,497 640.9%  
Net Cashflow Rs m20,1522,454 821.2%  

Share Holding

Indian Promoters % 0.0 52.1 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.5 1.3 807.7%  
FIIs % 77.6 41.4 187.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 12.0 5.3 226.4%  
Shareholders   175,570 54,174 324.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare HDFC With:   IFCI  GRUH FINANCE  REC  PNB GILTS  GIC HOUSING  



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