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HDFC vs REC - Comparison Results

Rs 100 invested in...

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Current Valuations

    HDFC REC HDFC/
REC
 
P/E (TTM) x 31.1 2.9 1,086.9% View Chart
P/BV x 2.7 0.6 477.1% View Chart
Dividend Yield % 1.1 13.7 8.2%  

Financials

 HDFC   REC
EQUITY SHARE DATA
    HDFC
Mar-22
REC
Mar-22
HDFC/
REC
5-Yr Chart
Click to enlarge
High Rs3,021127 2,388.0%   
Low Rs2,04687 2,339.2%   
Income per share (Unadj.) Rs749.7198.9 376.9%  
Earnings per share (Unadj.) Rs124.650.8 245.2%  
Cash flow per share (Unadj.) Rs642.087.4 734.4%  
Dividends per share (Unadj.) Rs30.0015.30 196.1%  
Avg Dividend yield %1.214.3 8.3%  
Book value per share (Unadj.) Rs982.2259.8 378.0%  
Shares outstanding (eoy) m1,813.031,974.92 91.8%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x3.40.5 628.3%   
Avg P/E ratio x20.32.1 965.6%  
Avg P/CF ratio x20.32.1 964.0%  
Avg Price/Bookvalue ratio x2.60.4 626.5%  
Dividend payout %24.130.1 80.0%   
Avg Mkt Cap Rs m4,593,670211,302 2,174.0%   
No. of employees `000NANA-   
Total wages & salary Rs m20,8211,801 1,156.1%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m1,359,258392,818 346.0%  
Other income Rs m8,059702 1,148.8%   
Interest expense Rs m273,974220,539 124.2%   
Net interest income Rs m1,085,283172,280 630.0%  
Operating expense Rs m896,33348,375 1,852.9%   
Gross profit Rs m188,951123,904 152.5%  
Gross profit margin %13.931.5 44.1%  
Provisions/contingencies Rs m48246 1,037.2%   
Profit before tax Rs m192,820124,423 155.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-14,4740-   
Prior Period Items Rs m89,698-118 -75,950.8%   
Tax Rs m42,09723,948 175.8%   
Profit after tax Rs m225,947100,357 225.1%  
Net profit margin %16.625.5 65.1%  
BALANCE SHEET DATA
Advances Rs m5,639,2033,719,305 151.6%   
Deposits Rs m998,7960-  
Credit/Deposit ratio x564.60- 
Yield on advances %00-   
Cost of deposits %9.90-  
Net Interest Margin %11.74.3 273.6%  
Net fixed assets Rs m99,5746,283 1,584.8%   
Share capital Rs m3,62625,333 14.3%   
Free reserves Rs m1,777,075487,808 364.3%   
Net worth Rs m1,780,701513,141 347.0%   
Borrowings Rs m952,201112,767 844.4%   
Investments Rs m3,614,201299,039 1,208.6%   
Total assets Rs m9,647,8314,108,181 234.8%  
Debt/equity ratio x1.10.2 498.6%   
Return on assets %2.32.4 95.9%  
Return on equity %12.719.6 64.9%  
Capital adequacy ratio %22.823.6 96.7%  
Net NPAs %1.11.5 70.2%  
CASH FLOW
From Operations Rs m-440,279-39,097 1,126.1%  
From Investments Rs m-198,871-2,875 6,918.2%  
From Financial Activity Rs m635,41431,589 2,011.5%  
Net Cashflow Rs m-3,736-10,383 36.0%  

Share Holding

Indian Promoters % 0.0 52.6 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 88.8 35.4 250.9%  
FIIs % 67.8 23.4 289.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 100.0 47.4 211.1%  
Shareholders   839,491 520,507 161.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare HDFC With:   BAJAJ FINANCE    POWER FINANCE CORPORATION    INDIABULLS HOU. FIN.    MANAPPURAM FINANCE    INDOSTAR CAPITAL    


More on HDFC vs REC

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

HDFC vs REC Share Price Performance

Period HDFC REC
1-Day 0.26% -2.28%
1-Month 6.75% 10.71%
1-Year -5.99% 8.87%
3-Year CAGR 4.96% 4.71%
5-Year CAGR 9.32% -0.33%

* Compound Annual Growth Rate

Here are more details on the HDFC share price and the REC share price.

Moving on to shareholding structures...

The promoters of HDFC hold a 0.0% stake in the company. In case of REC the stake stands at 52.6%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of HDFC and the shareholding pattern of REC.

Finally, a word on dividends...

In the most recent financial year, HDFC paid a dividend of Rs 30.0 per share. This amounted to a Dividend Payout ratio of 24.1%.

REC paid Rs 15.3, and its dividend payout ratio stood at 30.1%.

You may visit here to review the dividend history of HDFC, and the dividend history of REC.

For a sector overview, read our finance sector report.



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