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Compare LIC Housing with GRUH FINANCE - Equitymaster
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LIC HOUSING vs GRUH FINANCE - 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 GRUH FINANCE LIC HOUSING/
GRUH FINANCE
 
P/E (TTM) x 14.2 75.6 18.8% View Chart
P/BV x 3.1 27.9 11.0% View Chart
Dividend Yield % 1.0 0.4 274.4%  

Financials

 LIC HOUSING   GRUH FINANCE
EQUITY SHARE DATA
    LIC HOUSING
Mar-16
GRUH FINANCE
Mar-16
LIC HOUSING/
GRUH FINANCE
5-Yr Chart
Click to enlarge
High Rs514277 185.5%   
Low Rs389215 181.2%   
Income per share (Unadj.) Rs245.933.8 728.4%  
Earnings per share (Unadj.) Rs33.06.7 493.4%  
Cash flow per share (Unadj.) Rs57.112.0 477.8%  
Dividends per share (Unadj.) Rs5.502.30 239.1%  
Avg Dividend yield %1.20.9 130.3%  
Book value per share (Unadj.) Rs182.623.0 795.0%  
Shares outstanding (eoy) m504.66363.68 138.8%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x1.87.3 25.2%   
Avg P/E ratio x13.736.7 37.2%  
Avg P/CF ratio x12.534.0 36.7%  
Avg Price/Bookvalue ratio x2.510.7 23.1%  
Dividend payout %16.634.3 48.5%   
Avg Mkt Cap Rs m227,77889,411 254.8%   
No. of employees `0001.70.6 269.3%   
Total wages & salary Rs m1,645428 384.4%   
Avg. income/employee Rs Th71,902.319,155.1 375.4%   
Avg. wages/employee Rs Th953.1667.7 142.7%   
Avg. net profit/employee Rs Th9,662.23,800.0 254.3%   
INCOME DATA
Interest income Rs m124,10312,278 1,010.7%  
Other income Rs m922476 193.9%   
Interest expense Rs m93,0667,961 1,169.1%   
Net interest income Rs m31,0374,318 718.8%  
Operating expense Rs m4,644927 501.1%   
Gross profit Rs m26,3933,391 778.3%  
Gross profit margin %21.327.6 77.0%  
Provisions/contingencies Rs m1,565195 801.2%   
Profit before tax Rs m25,7513,617 711.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-30-   
Prior Period Items Rs m40-   
Tax Rs m9,0741,181 768.2%   
Profit after tax Rs m16,6772,436 684.7%  
Net profit margin %13.419.8 67.7%  
BALANCE SHEET DATA
Advances Rs m1,251,732105,749 1,183.7%   
Deposits Rs m010,017 0.0%  
Credit/Deposit ratio xNM1,055.7- 
Yield on advances %9.811.4 85.9%   
Cost of deposits %N.A.13.2-  
Net Interest Margin %2.54.1 60.8%  
Net fixed assets Rs m1,024146 703.6%   
Share capital Rs m1,010727 138.9%   
Free reserves Rs m91,1313,789 2,405.2%   
Net worth Rs m92,1468,353 1,103.1%   
Borrowings Rs m906,58186,282 1,050.7%   
Investments Rs m2,637330 800.2%   
Total assets Rs m1,305,873114,426 1,141.2%  
Debt/equity ratio x9.811.5 85.3%   
Return on assets %1.32.1 60.0%  
Return on equity %18.129.2 62.1%  
Capital adequacy ratio %17.017.8 95.6%  
Net NPAs %0.20-  
CASH FLOW
From Operations Rs m-130,394-19,187 679.6%  
From Investments Rs m-576-44 1,299.8%  
From Financial Activity Rs m140,97519,423 725.8%  
Net Cashflow Rs m10,005192 5,224.6%  

Share Holding

Indian Promoters % 40.3 59.4 67.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 7.0 0.4 1,750.0%  
FIIs % 38.0 15.9 239.0%  
ADR/GDR % 0.6 0.0 -  
Free float % 14.2 24.3 58.4%  
Shareholders   159,214 18,801 846.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare LIC HOUSING With:   SREI INFRA FINANCE  HDFC  CAPITAL FIRST  MUTHOOT FINANCE  GIC HOUSING  



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Jan 19, 2018 02:55 PM

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