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- HDFC - M&M FINANCIAL SERVICES
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 
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
Current Valuations
| HDFC | M&M FINANCIAL SERVICES | HDFC/ M&M FINANCIAL SERVICES |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 15.6 | 6.5 | 239.8% | View Chart |
| P/BV | x | 2.6 | 0.7 | 362.7% | View Chart |
| Dividend Yield | % | 1.3 | 4.6 | 27.2% |
Financials
 HDFC  M&M FINANCIAL SERVICES |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| HDFC Mar-19 |
M&M FINANCIAL SERVICES Mar-19 |
HDFC/ M&M FINANCIAL SERVICES |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 2,051 | 538 | 381.6% | |
| Low | Rs | 1,646 | 351 | 468.9% | |
| Income per share (Unadj.) | Rs | 528.7 | 161.4 | 327.6% | |
| Earnings per share (Unadj.) | Rs | 102.1 | 30.2 | 337.9% | |
| Cash flow per share (Unadj.) | Rs | 407.6 | 80.4 | 506.7% | |
| Dividends per share (Unadj.) | Rs | 21.00 | 6.50 | 323.1% | |
| Avg Dividend yield | % | 1.1 | 1.5 | 77.6% | |
| Book value per share (Unadj.) | Rs | 649.1 | 182.4 | 355.8% | |
| Shares outstanding (eoy) | m | 1,721.44 | 617.76 | 278.7% | |
| Bonus/Rights/Conversions | ESOP | - | - | ||
| Avg Price / Income ratio | x | 3.5 | 2.8 | 127.0% | |
| Avg P/E ratio | x | 18.1 | 14.7 | 123.2% | |
| Avg P/CF ratio | x | 17.6 | 13.6 | 129.8% | |
| Avg Price/Bookvalue ratio | x | 2.8 | 2.4 | 116.9% | |
| Dividend payout | % | 20.6 | 21.5 | 95.6% | |
| Avg Mkt Cap | Rs m | 3,182,082 | 274,440 | 1,159.5% | |
| No. of employees | `000 | 2.8 | 21.8 | 13.0% | |
| Total wages & salary | Rs m | 29,674 | 14,780 | 200.8% | |
| Avg. income/employee | Rs Th | 320,447.2 | 4,575.5 | 7,003.6% | |
| Avg. wages/employee | Rs Th | 10,448.5 | 678.3 | 1,540.4% | |
| Avg. net profit/employee | Rs Th | 61,903.2 | 857.0 | 7,223.4% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 910,070 | 99,695 | 912.9% | |
| Other income | Rs m | 51,879 | 592 | 8,770.7% | |
| Interest expense | Rs m | 295,253 | 44,323 | 666.1% | |
| Net interest income | Rs m | 614,817 | 55,373 | 1,110.3% | |
| Operating expense | Rs m | 485,305 | 22,824 | 2,126.3% | |
| Gross profit | Rs m | 129,512 | 32,548 | 397.9% | |
| Gross profit margin | % | 14.2 | 32.6 | 43.6% | |
| Provisions/contingencies | Rs m | 4,626 | 1,533 | 301.7% | |
| Profit before tax | Rs m | 147,091 | 27,938 | 526.5% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 469 | 0.0% | |
| Prior Period Items | Rs m | 73,898 | 0 | - | |
| Tax | Rs m | 45,185 | 9,735 | 464.2% | |
| Profit after tax | Rs m | 175,805 | 18,673 | 941.5% | |
| Net profit margin | % | 19.3 | 18.7 | 103.1% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 4,223,638 | 689,390 | 612.7% | |
| Deposits | Rs m | 1,055,989 | 0 | - | |
| Credit/Deposit ratio | x | 400.0 | NM | - | |
| Yield on advances | % | 11.1 | 12.5 | 88.7% | |
| Cost of deposits | % | 11.2 | N.A. | - | |
| Net Interest Margin | % | 12.3 | 7.7 | 160.8% | |
| Net fixed assets | Rs m | 13,134 | 1,098 | 1,195.9% | |
| Share capital | Rs m | 3,443 | 1,230 | 280.0% | |
| Free reserves | Rs m | 1,113,889 | 111,460 | 999.4% | |
| Net worth | Rs m | 1,117,331 | 112,690 | 991.5% | |
| Borrowings | Rs m | 903,754 | 246,327 | 366.9% | |
| Investments | Rs m | 766,340 | 33,274 | 2,303.2% | |
| Total assets | Rs m | 6,608,751 | 745,760 | 886.2% | |
| Debt/equity ratio | x | 1.8 | 2.2 | 80.2% | |
| Return on assets | % | 2.7 | 2.5 | 106.2% | |
| Return on equity | % | 15.7 | 16.6 | 95.0% | |
| Capital adequacy ratio | % | 19.1 | 20.3 | 94.1% | |
| Net NPAs | % | 0.8 | 5.3 | 15.8% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -443,014 | -120,779 | 366.8% | |
| From Investments | Rs m | -103,156 | -12,131 | 850.4% | |
| From Financial Activity | Rs m | 549,856 | 134,895 | 407.6% | |
| Net Cashflow | Rs m | 3,686 | 1,985 | 185.7% | |
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 | - |
Compare HDFC With: REC MAGMA FINCORP L&T FINANCE HOLDINGS DHFL LIC HOUSING
Today's Market
Sensex Ends 224 Points Higher; Realty and Oil & Gas Stocks Witness Buying(Closing)
Indian share markets witnessed buying interest during closing hours today and ended on a positive note.
Related Views on News
HDFC Announces Quarterly Results (3QFY20); Net Profit Up 296.1% (Quarterly Result Update)
Jan 28, 2020 | Updated on Jan 28, 2020For the quarter ended December 2019, HDFC has posted a net profit of Rs 84 bn (up 296.1% YoY). Sales on the other hand came in at Rs 203 bn (up 92.2% YoY). Read on for a complete analysis of HDFC's quarterly results.
HDFC Announces Quarterly Results (1QFY20); Net Profit Up 46.3% (Quarterly Result Update)
Aug 14, 2019 | Updated on Aug 14, 2019For the quarter ended June 2019, HDFC has posted a net profit of Rs 32 bn (up 46.3% YoY). Sales on the other hand came in at Rs 130 bn (up 30.7% YoY). Read on for a complete analysis of HDFC's quarterly results.
HDFC Announces Quarterly Results (3QFY19); Net Profit Down 62.7% (Quarterly Result Update)
Jan 30, 2019 | Updated on Jan 30, 2019For the quarter ended December 2018, HDFC has posted a net profit of Rs 21 bn (down 62.7% YoY). Sales on the other hand came in at Rs 106 bn (up 21.6% YoY). Read on for a complete analysis of HDFC's quarterly results.
MAHINDRA FINANCE Announces Quarterly Results (3QFY19); Net Profit Down 12.7% (Quarterly Result Update)
Jan 28, 2019 | Updated on Jan 28, 2019For the quarter ended December 2018, MAHINDRA FINANCE has posted a net profit of Rs 3 bn (down 12.7% YoY). Sales on the other hand came in at Rs 22 bn (up 1.8% YoY). Read on for a complete analysis of MAHINDRA FINANCE's quarterly results.
MAHINDRA FINANCE Announces Quarterly Results (2QFY19); Net Profit Up 278.8% (Quarterly Result Update)
Nov 9, 2018 | Updated on Nov 9, 2018For the quarter ended September 2018, MAHINDRA FINANCE has posted a net profit of Rs 4 bn (up 278.8% YoY). Sales on the other hand came in at Rs 21 bn (up 6.3% YoY). Read on for a complete analysis of MAHINDRA FINANCE's quarterly results.
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