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
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
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 | - |
![]() ![]() |
EQUITY SHARE DATA | |||||
---|---|---|---|---|---|
HDFC Mar-20 |
M&M FINANCIAL SERVICES Mar-20 |
HDFC/ M&M FINANCIAL SERVICES |
5-Yr Chart Click to enlarge
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||
High | Rs | 2,500 | 442 | 565.0% | |
Low | Rs | 1,473 | 138 | 1,064.4% | |
Income per share (Unadj.) | Rs | 587.3 | 185.5 | 316.7% | |
Earnings per share (Unadj.) | Rs | 131.8 | 17.6 | 749.8% | |
Cash flow per share (Unadj.) | Rs | 422.3 | 63.4 | 666.6% | |
Dividends per share (Unadj.) | Rs | 21.00 | 0 | - | |
Avg Dividend yield | % | 1.1 | 0 | - | |
Book value per share (Unadj.) | Rs | 730.2 | 193.7 | 376.9% | |
Shares outstanding (eoy) | m | 1,732.05 | 617.76 | 280.4% | |
Bonus/Rights/Conversions | ESOP | - | - | ||
Avg Price / Income ratio | x | 3.4 | 1.6 | 216.0% | |
Avg P/E ratio | x | 15.1 | 16.5 | 91.2% | |
Avg P/CF ratio | x | 14.8 | 14.6 | 101.5% | |
Avg Price/Bookvalue ratio | x | 2.7 | 1.5 | 181.5% | |
Dividend payout | % | 15.9 | 0 | - | |
Avg Mkt Cap | Rs m | 3,440,544 | 179,398 | 1,917.8% | |
No. of employees | `000 | 3.1 | 21.9 | 14.2% | |
Total wages & salary | Rs m | 13,567 | 16,098 | 84.3% | |
Avg. income/employee | Rs Th | 328,677.6 | 5,240.9 | 6,271.4% | |
Avg. wages/employee | Rs Th | 4,383.4 | 736.4 | 595.3% | |
Avg. net profit/employee | Rs Th | 73,752.7 | 496.7 | 14,849.4% |
INCOME DATA | |||||
---|---|---|---|---|---|
Interest income | Rs m | 1,017,257 | 114,576 | 887.8% | |
Other income | Rs m | 702 | 1,135 | 61.8% | |
Interest expense | Rs m | 321,095 | 53,906 | 595.7% | |
Net interest income | Rs m | 696,163 | 60,671 | 1,147.4% | |
Operating expense | Rs m | 474,201 | 24,590 | 1,928.4% | |
Gross profit | Rs m | 221,962 | 36,080 | 615.2% | |
Gross profit margin | % | 21.8 | 31.5 | 69.3% | |
Provisions/contingencies | Rs m | 4,626 | 1,469 | 315.0% | |
Profit before tax | Rs m | 204,472 | 15,561 | 1,314.0% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | 0 | 459 | 0.0% | |
Prior Period Items | Rs m | 57,461 | 0 | - | |
Tax | Rs m | 33,668 | 5,162 | 652.2% | |
Profit after tax | Rs m | 228,265 | 10,858 | 2,102.2% | |
Net profit margin | % | 22.4 | 9.5 | 236.8% |
BALANCE SHEET DATA | |||||
---|---|---|---|---|---|
Advances | Rs m | 4,454,962 | 728,638 | 611.4% | |
Deposits | Rs m | 1,323,048 | 0 | - | |
Credit/Deposit ratio | x | 336.7 | NM | - | |
Yield on advances | % | 9.6 | 11.8 | 81.0% | |
Cost of deposits | % | 9.0 | N.A. | - | |
Net Interest Margin | % | 12.8 | 7.8 | 164.5% | |
Net fixed assets | Rs m | 29,526 | 5,545 | 532.4% | |
Share capital | Rs m | 3,464 | 1,231 | 281.5% | |
Free reserves | Rs m | 1,261,328 | 118,459 | 1,064.8% | |
Net worth | Rs m | 1,264,792 | 119,690 | 1,056.7% | |
Borrowings | Rs m | 1,079,147 | 333,271 | 323.8% | |
Investments | Rs m | 999,110 | 53,404 | 1,870.9% | |
Total assets | Rs m | 7,298,149 | 817,926 | 892.3% | |
Debt/equity ratio | x | 1.9 | 2.8 | 68.2% | |
Return on assets | % | 3.1 | 1.3 | 235.6% | |
Return on equity | % | 18.0 | 9.1 | 198.9% | |
Capital adequacy ratio | % | 17.6 | 19.6 | 89.8% | |
Net NPAs | % | 1.5 | 6.0 | 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 m | 387,738 | 60,497 | 640.9% | |
Net Cashflow | Rs m | 20,152 | 2,454 | 821.2% |
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: IFCI GRUH FINANCE REC PNB GILTS GIC HOUSING
After staging a gap-up opening, Indian share markets extended gains as the session progressed and rallied nearly 2%, boosted by realty and finance stocks.
For the quarter ended September 2020, HDFC has posted a net profit of Rs 29 bn (down 27.6% YoY). Sales on the other hand came in at Rs 115 bn (down 14.5% YoY). Read on for a complete analysis of HDFC's quarterly results.
For 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.
Monopolistic railway financer with impeccable asset quality.
Does the company having 70% market share of the mutual fund registrar business have sound prospects?
For 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.
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