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 39.3 10.1 388.3% View Chart
P/BV x 3.4 1.6 211.4% View Chart
Dividend Yield % 0.8 1.3 66.3%  

Financials

 HDFC   PNB GILTS
EQUITY SHARE DATA
    HDFC
Mar-20
PNB GILTS
Mar-18
HDFC/
PNB GILTS
5-Yr Chart
Click to enlarge
High Rs2,50060 4,166.2%   
Low Rs1,47334 4,384.2%   
Income per share (Unadj.) Rs587.318.3 3,211.6%  
Earnings per share (Unadj.) Rs131.82.0 6,485.3%  
Cash flow per share (Unadj.) Rs422.33.9 10,896.5%  
Dividends per share (Unadj.) Rs21.001.00 2,100.0%  
Avg Dividend yield %1.12.1 49.5%  
Book value per share (Unadj.) Rs730.249.0 1,491.6%  
Shares outstanding (eoy) m1,732.05180.01 962.2%   
Bonus / Rights / Conversions ESOP--  
Avg Price / Income ratio x3.42.6 132.2%   
Avg P/E ratio x15.123.0 65.4%  
Avg P/CF ratio x14.823.0 64.1%  
Avg Price/Bookvalue ratio x2.71.0 284.6%  
Dividend payout %15.949.2 32.4%   
Avg Mkt Cap Rs m3,440,5448,424 40,839.9%   
No. of employees `0003.1NA 8,597.2%   
Total wages & salary Rs m13,56778 17,460.2%   
Avg. income/employee Rs Th328,677.691,441.7 359.4%   
Avg. wages/employee Rs Th4,383.42,158.3 203.1%   
Avg. net profit/employee Rs Th73,752.710,161.1 725.8%   
INCOME DATA
Interest income Rs m1,017,2573,292 30,901.8%  
Other income Rs m7023 21,934.4%   
Interest expense Rs m321,0953,307 9,709.0%   
Net interest income Rs m696,163-15 -4,550,082.4%  
Operating expense Rs m474,201145 327,260.6%   
Gross profit Rs m221,962-160 -138,553.1%  
Gross profit margin %21.8-4.9 -448.4%  
Provisions/contingencies Rs m4,6260-   
Profit before tax Rs m204,472553 36,988.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m57,4610-   
Tax Rs m33,668187 18,004.2%   
Profit after tax Rs m228,265366 62,401.5%  
Net profit margin %22.411.1 201.9%  
BALANCE SHEET DATA
Advances Rs m4,454,962152 2,934,757.3%   
Deposits Rs m1,323,0480-  
Credit/Deposit ratio x336.7NM- 
Yield on advances %9.60-   
Cost of deposits %9.0N.A.-  
Net Interest Margin %12.8-0.2 -7,093.2%  
Net fixed assets Rs m29,52628 105,828.7%   
Share capital Rs m3,4641,800 192.4%   
Free reserves Rs m1,261,3287,013 17,986.8%   
Net worth Rs m1,264,7928,813 14,352.1%   
Borrowings Rs m1,079,14743,687 2,470.2%   
Investments Rs m999,1108,351 11,964.4%   
Total assets Rs m7,298,14953,858 13,550.7%  
Debt/equity ratio x1.95.0 38.3%   
Return on assets %3.10.7 460.5%  
Return on equity %18.04.2 434.8%  
Capital adequacy ratio %17.667.1 26.2%  
Net NPAs %1.50-  
CASH FLOW
From Operations Rs m-268,850-3,028 8,879.1%  
From Investments Rs m-98,737-3,928 2,513.8%  
From Financial Activity Rs m387,7388,006 4,843.3%  
Net Cashflow Rs m20,1521,050 1,919.4%  

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:   M&M FINANCIAL SERVICES  SREI INFRA FINANCE  GRUH FINANCE  IDFC  JM FINANCIAL  



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