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Compare IDFC with HDFC - Equitymaster

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IDFC vs HDFC - Comparison Results

IDFC    Change

IDFC operates as an infrastructure financing entity whose focus areas are energy, telecom, transportation etc. Its expertise in the infra sector and strong relationship with government and sponsors provides it with a platform for facilitating private... More


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


Current Valuations

P/E (TTM) x 39.2 35.5 110.3% View Chart
P/BV x 0.6 3.9 14.1% View Chart
Dividend Yield % 1.9 0.9 204.8%  


5-Yr Chart
Click to enlarge
High Rs681,982 3.4%   
Low Rs481,461 3.3%   
Income per share (Unadj.) Rs69.5385.5 18.0%  
Earnings per share (Unadj.) Rs3.797.0 3.8%  
Cash flow per share (Unadj.) Rs24.7296.1 8.3%  
Dividends per share (Unadj.) Rs0.7520.00 3.8%  
Avg Dividend yield %1.31.2 111.0%  
Book value per share (Unadj.) Rs70.9516.4 13.7%  
Shares outstanding (eoy) m1,596.351,675.88 95.3%   
Bonus/Rights/Conversions ESOPESOP-  
Avg Price / Income ratio x0.84.5 18.7%   
Avg P/E ratio x15.717.7 88.7%  
Avg P/CF ratio x9.517.2 55.5%  
Avg Price/Bookvalue ratio x0.83.3 24.6%  
Dividend payout %20.320.6 98.5%   
Avg Mkt Cap Rs m92,8282,884,776 3.2%   
No. of employees `000NA2.6 0.3%   
Total wages & salary Rs m9,86810,481 94.1%   
Avg. income/employee Rs Th13,872,475.0250,900.4 5,529.1%   
Avg. wages/employee Rs Th1,233,475.04,070.4 30,303.2%   
Avg. net profit/employee Rs Th737,062.563,126.1 1,167.6%   
Interest income Rs m110,980646,069 17.2%  
Other income Rs m63245,348 1.4%   
Interest expense Rs m73,662234,524 31.4%   
Net interest income Rs m37,318411,544 9.1%  
Operating expense Rs m34,057299,292 11.4%   
Gross profit Rs m3,261112,252 2.9%  
Gross profit margin %2.917.4 16.9%  
Provisions/contingencies Rs m3,8525,637 68.3%   
Profit before tax Rs m13,762176,025 7.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-3,821-10,766 35.5%   
Prior Period Items Rs m-75637,302 -2.0%   
Tax Rs m3,28840,012 8.2%   
Profit after tax Rs m5,897162,550 3.6%  
Net profit margin %5.325.2 21.1%  
Advances Rs m571,5523,791,728 15.1%   
Deposits Rs m0445,995 0.0%  
Credit/Deposit ratio xNM850.2- 
Yield on advances %9.19.0 101.0%   
Cost of deposits %N.A.6.1-  
Net Interest Margin %5.07.9 63.6%  
Net fixed assets Rs m9,24013,541 68.2%   
Share capital Rs m15,9643,352 476.3%   
Free reserves Rs m41,333862,062 4.8%   
Net worth Rs m113,230865,414 13.1%   
Borrowings Rs m349,1311,171,103 29.8%   
Investments Rs m167,9681,394,864 12.0%   
Total assets Rs m1,338,5255,627,013 23.8%  
Debt/equity ratio x3.11.9 165.0%   
Return on assets %0.42.9 15.2%  
Return on equity %5.218.8 27.7%  
Capital adequacy ratio %22.119.2 115.1%  
Net NPAs %00-  
From Operations Rs m-51,869-328,634 15.8%  
From Investments Rs m-116,479-237,069 49.1%  
From Financial Activity Rs m165,959540,279 30.7%  
Net Cashflow Rs m-2,390-25,423 9.4%  

Share Holding

Indian Promoters % 0.0 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 30.0 10.5 285.7%  
FIIs % 52.9 77.6 68.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 17.2 12.0 143.3%  
Shareholders   323,308 175,570 184.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster


Today's Market

Sensex Opens Higher; Power and Realty Stocks Lead(09:30 am)

Asian share markets are lower today as Chinese and Hong Kong shares fall. The Shanghai Composite is off 0.4% while the Hang Seng is down 0.8%.

Related Views on News

HDFC Announces Quarterly Results (3QFY19); Net Profit Down 62.7% (Quarterly Result Update)

Jan 30, 2019 | Updated on Jan 30, 2019

For 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.

HDFC Announces Quarterly Results (2QFY19); Net Profit Up 17.4% (Quarterly Result Update)

Nov 5, 2018 | Updated on Nov 5, 2018

For the quarter ended September 2018, HDFC has posted a net profit of Rs 25 bn (up 17.4% YoY). Sales on the other hand came in at Rs 112 bn (up 28.5% YoY). Read on for a complete analysis of HDFC's quarterly results.

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Jul 20, 2018

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HDFC Announces Quarterly Results (1QFY19); Net Profit Up 40.8% (Quarterly Result Update)

Aug 1, 2018 | Updated on Aug 1, 2018

For the quarter ended June 2018, HDFC has posted a net profit of Rs 22 bn (up 40.8% YoY). Sales on the other hand came in at Rs 99 bn (up 22.3% YoY). Read on for a complete analysis of HDFC's quarterly results.

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May 27, 2019 11:27 AM