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Compare HDFC with PNB GILTS - Equitymaster

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HDFC vs PNB GILTS - 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

PNB GILTS 
   Change

PNB Gilts, is a 78% subsidiary of Punjab National Bank. The company undertakes more than 90% of its operations in government securities. Its range of products and services offered includes : Treasury bills, PSU bonds, Merchant banking, etc. In additi... More

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Current Valuations

    HDFC PNB GILTS HDFC/
PNB GILTS
 
P/E (TTM) x 35.9 8.6 417.7% View Chart
P/BV x 4.0 0.7 576.0% View Chart
Dividend Yield % 0.9 2.9 31.1%  

Financials

 HDFC   PNB GILTS
EQUITY SHARE DATA
    HDFC
Mar-18
PNB GILTS
Mar-18
HDFC/
PNB GILTS
5-Yr Chart
Click to enlarge
High Rs1,98260 3,303.3%   
Low Rs1,46134 4,347.3%   
Income per share (Unadj.) Rs385.518.3 2,108.1%  
Earnings per share (Unadj.) Rs97.02.0 4,773.0%  
Cash flow per share (Unadj.) Rs296.13.9 7,639.3%  
Dividends per share (Unadj.) Rs20.001.00 2,000.0%  
Avg Dividend yield %1.22.1 54.4%  
Book value per share (Unadj.) Rs516.449.0 1,054.8%  
Shares outstanding (eoy) m1,675.88180.01 931.0%   
Bonus/Rights/Conversions ESOP--  
Avg Price / Income ratio x4.52.6 174.5%   
Avg P/E ratio x17.723.0 77.1%  
Avg P/CF ratio x17.223.0 74.5%  
Avg Price/Bookvalue ratio x3.31.0 348.7%  
Dividend payout %20.649.2 41.9%   
Avg Mkt Cap Rs m2,884,7768,424 34,242.8%   
No. of employees `0002.6NA 7,152.8%   
Total wages & salary Rs m10,48178 13,489.6%   
Avg. income/employee Rs Th250,900.491,441.7 274.4%   
Avg. wages/employee Rs Th4,070.42,158.3 188.6%   
Avg. net profit/employee Rs Th63,126.110,161.1 621.3%   
INCOME DATA
Interest income Rs m646,0693,292 19,626.0%  
Other income Rs m45,3483 1,417,128.1%   
Interest expense Rs m234,5243,307 7,091.3%   
Net interest income Rs m411,544-15 -2,689,832.7%  
Operating expense Rs m299,292145 206,550.8%   
Gross profit Rs m112,252-160 -70,070.1%  
Gross profit margin %17.4-4.9 -357.0%  
Provisions/contingencies Rs m5,6370-   
Profit before tax Rs m176,025553 31,842.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-10,7660-   
Prior Period Items Rs m37,3020-   
Tax Rs m40,012187 21,396.8%   
Profit after tax Rs m162,550366 44,436.7%  
Net profit margin %25.211.1 226.4%  
BALANCE SHEET DATA
Advances Rs m3,791,728152 2,497,844.3%   
Deposits Rs m445,9950-  
Credit/Deposit ratio x850.2NM- 
Yield on advances %9.00-   
Cost of deposits %6.1N.A.-  
Net Interest Margin %7.9-0.2 -4,409.5%  
Net fixed assets Rs m13,54128 48,534.8%   
Share capital Rs m3,3521,800 186.2%   
Free reserves Rs m862,0627,013 12,293.2%   
Net worth Rs m865,4148,813 9,820.2%   
Borrowings Rs m1,171,10343,687 2,680.7%   
Investments Rs m1,394,8648,351 16,703.6%   
Total assets Rs m5,627,01353,858 10,447.8%  
Debt/equity ratio x1.95.0 37.7%   
Return on assets %2.90.7 425.3%  
Return on equity %18.84.2 452.5%  
Capital adequacy ratio %19.267.1 28.6%  
Net NPAs %00-  
CASH FLOW
From Operations Rs m-328,634-3,028 10,853.5%  
From Investments Rs m-237,069-3,928 6,035.7%  
From Financial Activity Rs m540,2798,006 6,748.8%  
Net Cashflow Rs m-25,4231,050 -2,421.5%  

Share Holding

Indian Promoters % 0.0 74.1 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.5 2.2 477.3%  
FIIs % 77.6 0.1 77,600.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 12.0 23.6 50.8%  
Shareholders   175,570 29,479 595.6%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare HDFC With:   GRUH FINANCE  DHFL  LIC HOUSING  SREI INFRA FINANCE  SHRIRAM TRANSPORT  



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