Compare JM Financial with LIC Housing - Equitymaster

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JM FINANCIAL vs LIC HOUSING - Comparison Results

LIC HOUSING 
   Change

LICHF is a key player in the housing finance industry in India with around 9% market share. It was promoted in 1989 by LIC (with a 40% stake). Its capital adequacy ratio stood at 16.7% at the end of FY12, as against a requirement of 12%. The company ... More

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Current Valuations

    JM FINANCIAL LIC HOUSING JM FINANCIAL/
LIC HOUSING
 
P/E (TTM) x 8.8 8.7 101.3% View Chart
P/BV x 1.4 1.1 118.5% View Chart
Dividend Yield % 1.2 1.9 62.6%  

Financials

 JM FINANCIAL   LIC HOUSING
EQUITY SHARE DATA
    JM FINANCIAL
Mar-19
LIC HOUSING
Mar-20
JM FINANCIAL/
LIC HOUSING
5-Yr Chart
Click to enlarge
High Rs150587 25.6%   
Low Rs64186 34.6%   
Income per share (Unadj.) Rs42.2388.7 10.8%  
Earnings per share (Unadj.) Rs10.147.5 21.2%  
Cash flow per share (Unadj.) Rs15.773.7 21.3%  
Dividends per share (Unadj.) Rs1.008.00 12.5%  
Avg Dividend yield %0.92.1 45.1%  
Book value per share (Unadj.) Rs61.1361.9 16.9%  
Shares outstanding (eoy) m839.93504.66 166.4%   
Bonus/Rights/Conversions ESOP--  
Avg Price / Income ratio x2.51.0 255.6%   
Avg P/E ratio x10.78.1 130.9%  
Avg P/CF ratio x10.77.8 136.1%  
Avg Price/Bookvalue ratio x1.81.1 164.3%  
Dividend payout %9.916.8 59.0%   
Avg Mkt Cap Rs m89,999195,001 46.2%   
No. of employees `0000.12.4 5.5%   
Total wages & salary Rs m4,2163,276 128.7%   
Avg. income/employee Rs Th270,372.581,999.8 329.7%   
Avg. wages/employee Rs Th32,184.01,369.6 2,349.8%   
Avg. net profit/employee Rs Th64,493.910,019.4 643.7%   
INCOME DATA
Interest income Rs m35,419196,144 18.1%  
Other income Rs m368-292 -125.8%   
Interest expense Rs m14,462147,814 9.8%   
Net interest income Rs m20,95748,329 43.4%  
Operating expense Rs m2715,405 5.0%   
Gross profit Rs m20,68642,924 48.2%  
Gross profit margin %58.421.9 266.9%  
Provisions/contingencies Rs m0949 0.0%   
Profit before tax Rs m15,55532,750 47.5%   
Extraordinary Inc (Exp) Rs m60-   
Minority Interest Rs m-2,649-4 66,217.5%   
Prior Period Items Rs m05 0.0%   
Tax Rs m4,4638,785 50.8%   
Profit after tax Rs m8,44923,966 35.3%  
Net profit margin %23.912.2 195.2%  
BALANCE SHEET DATA
Advances Rs m219,2412,079,745 10.5%   
Deposits Rs m00-  
Credit/Deposit ratio xNMNM- 
Yield on advances %09.5 0.0%   
Cost of deposits %N.A.N.A.-  
Net Interest Margin %9.62.3 422.2%  
Net fixed assets Rs m6,1122,951 207.1%   
Share capital Rs m8401,010 83.2%   
Free reserves Rs m50,477181,639 27.8%   
Net worth Rs m51,317182,649 28.1%   
Borrowings Rs m1,2881,320,823 0.1%   
Investments Rs m054,847 0.0%   
Total assets Rs m226,3512,169,197 10.4%  
Debt/equity ratio x07.2 0.3%   
Return on assets %3.71.1 337.8%  
Return on equity %16.513.1 125.5%  
Capital adequacy ratio %013.9 0.0%  
Net NPAs %02.0 0.0%  
CASH FLOW
From Operations Rs m7,721-147,377 -5.2%  
From Investments Rs m-1,513-18,514 8.2%  
From Financial Activity Rs m-5,182151,555 -3.4%  
Net Cashflow Rs m1,027-14,336 -7.2%  

Share Holding

Indian Promoters % 0.0 40.3 -  
Foreign collaborators % 20.7 0.0 -  
Indian inst/Mut Fund % 3.8 7.0 53.6%  
FIIs % 0.0 38.0 -  
ADR/GDR % 0.0 0.6 -  
Free float % 37.9 14.2 267.2%  
Shareholders   54,056 159,214 34.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare JM FINANCIAL With:   L&T FINANCE HOLDINGS  SHRIRAM CITY UNION  IFCI  POWER FINANCE CORPORATION  MUTHOOT FINANCE  



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