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JM FINANCIAL vs HDFC - Comparison Results

HDFC 
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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

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Current Valuations

    JM FINANCIAL HDFC JM FINANCIAL/
HDFC
 
P/E (TTM) x 10.4 39.8 26.3% View Chart
P/BV x 1.6 3.5 46.1% View Chart
Dividend Yield % 1.0 0.8 124.0%  

Financials

 JM FINANCIAL   HDFC
EQUITY SHARE DATA
    JM FINANCIAL
Mar-19
HDFC
Mar-20
JM FINANCIAL/
HDFC
5-Yr Chart
Click to enlarge
High Rs1502,500 6.0%   
Low Rs641,473 4.4%   
Income per share (Unadj.) Rs42.2587.3 7.2%  
Earnings per share (Unadj.) Rs10.1131.8 7.6%  
Cash flow per share (Unadj.) Rs15.7422.3 3.7%  
Dividends per share (Unadj.) Rs1.0021.00 4.8%  
Avg Dividend yield %0.91.1 88.3%  
Book value per share (Unadj.) Rs61.1730.2 8.4%  
Shares outstanding (eoy) m839.931,732.05 48.5%   
Bonus/Rights/Conversions ESOPESOP-  
Avg Price / Income ratio x2.53.4 75.1%   
Avg P/E ratio x10.715.1 70.7%  
Avg P/CF ratio x10.714.8 72.1%  
Avg Price/Bookvalue ratio x1.82.7 64.5%  
Dividend payout %9.915.9 62.4%   
Avg Mkt Cap Rs m89,9993,440,544 2.6%   
No. of employees `0000.13.1 4.2%   
Total wages & salary Rs m4,21613,567 31.1%   
Avg. income/employee Rs Th270,372.5328,677.6 82.3%   
Avg. wages/employee Rs Th32,184.04,383.4 734.2%   
Avg. net profit/employee Rs Th64,493.973,752.7 87.4%   
INCOME DATA
Interest income Rs m35,4191,017,257 3.5%  
Other income Rs m368702 52.4%   
Interest expense Rs m14,462321,095 4.5%   
Net interest income Rs m20,957696,163 3.0%  
Operating expense Rs m271474,201 0.1%   
Gross profit Rs m20,686221,962 9.3%  
Gross profit margin %58.421.8 267.7%  
Provisions/contingencies Rs m04,626 0.0%   
Profit before tax Rs m15,555204,472 7.6%   
Extraordinary Inc (Exp) Rs m60-   
Minority Interest Rs m-2,6490-   
Prior Period Items Rs m057,461 0.0%   
Tax Rs m4,46333,668 13.3%   
Profit after tax Rs m8,449228,265 3.7%  
Net profit margin %23.922.4 106.3%  
BALANCE SHEET DATA
Advances Rs m219,2414,454,962 4.9%   
Deposits Rs m01,323,048 0.0%  
Credit/Deposit ratio xNM336.7- 
Yield on advances %09.6 0.0%   
Cost of deposits %N.A.9.0-  
Net Interest Margin %9.612.8 74.9%  
Net fixed assets Rs m6,11229,526 20.7%   
Share capital Rs m8403,464 24.2%   
Free reserves Rs m50,4771,261,328 4.0%   
Net worth Rs m51,3171,264,792 4.1%   
Borrowings Rs m1,2881,079,147 0.1%   
Investments Rs m0999,110 0.0%   
Total assets Rs m226,3517,298,149 3.1%  
Debt/equity ratio x01.9 1.3%   
Return on assets %3.73.1 119.3%  
Return on equity %16.518.0 91.2%  
Capital adequacy ratio %017.6 0.0%  
Net NPAs %01.5 0.0%  
CASH FLOW
From Operations Rs m7,721-268,850 -2.9%  
From Investments Rs m-1,513-98,737 1.5%  
From Financial Activity Rs m-5,182387,738 -1.3%  
Net Cashflow Rs m1,02720,152 5.1%  

Share Holding

Indian Promoters % 0.0 0.0 -  
Foreign collaborators % 20.7 0.0 -  
Indian inst/Mut Fund % 3.8 10.5 35.7%  
FIIs % 0.0 77.6 -  
ADR/GDR % 0.0 0.0 -  
Free float % 37.9 12.0 316.2%  
Shareholders   54,056 175,570 30.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare JM FINANCIAL With:   MUTHOOT FINANCE  SREI INFRA FINANCE  SHRIRAM TRANSPORT  L&T FINANCE HOLDINGS  IFCI  



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