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Compare LIC Housing with GIC HOUSING - Equitymaster

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LIC HOUSING vs GIC 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

    LIC HOUSING GIC HOUSING LIC HOUSING/
GIC HOUSING
 
P/E (TTM) x 11.4 7.3 156.7% View Chart
P/BV x 2.2 1.4 154.8% View Chart
Dividend Yield % 1.2 2.1 57.9%  

Financials

 LIC HOUSING   GIC HOUSING
EQUITY SHARE DATA
    LIC HOUSING
Mar-18
GIC HOUSING
Mar-18
LIC HOUSING/
GIC HOUSING
5-Yr Chart
Click to enlarge
High Rs794616 128.9%   
Low Rs478347 137.5%   
Income per share (Unadj.) Rs297.0204.1 145.5%  
Earnings per share (Unadj.) Rs39.934.2 116.5%  
Cash flow per share (Unadj.) Rs69.054.2 127.5%  
Dividends per share (Unadj.) Rs6.805.50 123.6%  
Avg Dividend yield %1.11.1 93.7%  
Book value per share (Unadj.) Rs253.5183.9 137.9%  
Shares outstanding (eoy) m504.6653.85 937.2%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x2.12.4 90.7%   
Avg P/E ratio x15.914.1 113.3%  
Avg P/CF ratio x14.210.5 134.7%  
Avg Price/Bookvalue ratio x2.52.6 95.8%  
Dividend payout %17.016.1 106.1%   
Avg Mkt Cap Rs m320,86325,934 1,237.2%   
No. of employees `0002.10.3 776.0%   
Total wages & salary Rs m2,392290 825.0%   
Avg. income/employee Rs Th71,267.140,560.9 175.7%   
Avg. wages/employee Rs Th1,137.61,070.1 106.3%   
Avg. net profit/employee Rs Th9,576.36,805.5 140.7%   
INCOME DATA
Interest income Rs m149,87510,992 1,363.5%  
Other income Rs m1,17820 5,801.5%   
Interest expense Rs m111,2467,128 1,560.8%   
Net interest income Rs m38,6293,864 999.6%  
Operating expense Rs m6,374819 778.8%   
Gross profit Rs m32,2553,046 1,059.0%  
Gross profit margin %21.527.7 77.7%  
Provisions/contingencies Rs m2,491620 402.0%   
Profit before tax Rs m30,9412,718 1,138.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-40-   
Prior Period Items Rs m250-   
Tax Rs m10,823874 1,238.4%   
Profit after tax Rs m20,1391,844 1,092.0%  
Net profit margin %13.416.8 80.1%  
BALANCE SHEET DATA
Advances Rs m1,663,629112,351 1,480.7%   
Deposits Rs m00-  
Credit/Deposit ratio xNMNM- 
Yield on advances %8.99.8 91.1%   
Cost of deposits %N.A.N.A.-  
Net Interest Margin %2.33.4 67.3%  
Net fixed assets Rs m1,32021 6,374.4%   
Share capital Rs m1,010539 187.5%   
Free reserves Rs m126,9219,364 1,355.5%   
Net worth Rs m127,9319,902 1,291.9%   
Borrowings Rs m1,102,21976,512 1,440.6%   
Investments Rs m9,651265 3,646.0%   
Total assets Rs m1,719,690113,547 1,514.5%  
Debt/equity ratio x8.67.7 111.5%   
Return on assets %1.21.6 72.1%  
Return on equity %15.718.6 84.5%  
Capital adequacy ratio %15.516.2 95.8%  
Net NPAs %0.40-  
CASH FLOW
From Operations Rs m-194,857-17,213 1,132.0%  
From Investments Rs m-4,86816 -31,405.2%  
From Financial Activity Rs m186,13917,148 1,085.5%  
Net Cashflow Rs m-13,585-49 27,612.4%  

Share Holding

Indian Promoters % 40.3 41.5 97.1%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 7.0 10.0 70.0%  
FIIs % 38.0 3.4 1,117.6%  
ADR/GDR % 0.6 0.0 -  
Free float % 14.2 45.2 31.4%  
Shareholders   159,214 39,033 407.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare LIC HOUSING With:   CAPITAL FIRST  RURAL ELECTRIFICATION  L&T FINANCE HOLDINGS  GRUH FINANCE  MAGMA FINCORP  



Today's Market

Sensex Trades Higher; FMCG and Banking Stocks Gain(12:30 pm)

Stock markets in India are presently trading higher. The BSE Sensex is trading up by 104 points and the NSE Nifty is trading up by 32 points.

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LIC HOUSING Announces Quarterly Results (4QFY19); Net Profit Up 28.6% (Quarterly Result Update)

May 7, 2019 | Updated on May 7, 2019

For the quarter ended March 2019, LIC HOUSING has posted a net profit of Rs 7 bn (up 28.6% YoY). Sales on the other hand came in at Rs 47 bn (up 19.3% YoY). Read on for a complete analysis of LIC HOUSING's quarterly results.

GIC HOUSING Announces Quarterly Results (3QFY19); Net Profit Down 17.0% (Quarterly Result Update)

Feb 4, 2019 | Updated on Feb 4, 2019

For the quarter ended December 2018, GIC HOUSING has posted a net profit of Rs 350 m (down 17.0% YoY). Sales on the other hand came in at Rs 3 bn (up 8.7% YoY). Read on for a complete analysis of GIC HOUSING's quarterly results.

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LIC HOUSING Announces Quarterly Results (3QFY19); Net Profit Up 21.4% (Quarterly Result Update)

Jan 31, 2019 | Updated on Jan 31, 2019

For the quarter ended December 2018, LIC HOUSING has posted a net profit of Rs 6 bn (up 21.4% YoY). Sales on the other hand came in at Rs 44 bn (up 18.7% YoY). Read on for a complete analysis of LIC HOUSING's quarterly results.

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