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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 12.6 31.5 39.9% View Chart
P/BV x 2.2 8.3 27.1% View Chart
Dividend Yield % 1.3 1.1 118.5%  

Financials

 LIC HOUSING   GRUH FINANCE
EQUITY SHARE DATA
    LIC HOUSING
Mar-17
GRUH FINANCE
Mar-18
LIC HOUSING/
GRUH FINANCE
5-Yr Chart
Click to enlarge
High Rs629714 88.2%   
Low Rs432368 117.4%   
Income per share (Unadj.) Rs277.646.1 601.6%  
Earnings per share (Unadj.) Rs38.59.9 388.1%  
Cash flow per share (Unadj.) Rs65.218.1 360.4%  
Dividends per share (Unadj.) Rs6.203.30 187.9%  
Avg Dividend yield %1.20.6 191.5%  
Book value per share (Unadj.) Rs221.137.8 585.4%  
Shares outstanding (eoy) m504.66365.72 138.0%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x1.911.7 16.3%   
Avg P/E ratio x13.854.5 25.3%  
Avg P/CF ratio x12.049.0 24.4%  
Avg Price/Bookvalue ratio x2.414.3 16.8%  
Dividend payout %16.133.3 48.4%   
Avg Mkt Cap Rs m267,646197,727 135.4%   
No. of employees `0001.80.7 264.9%   
Total wages & salary Rs m2,662545 488.4%   
Avg. income/employee Rs Th76,415.424,381.4 313.4%   
Avg. wages/employee Rs Th1,452.4787.7 184.4%   
Avg. net profit/employee Rs Th10,596.15,241.0 202.2%   
INCOME DATA
Interest income Rs m140,06916,872 830.2%  
Other income Rs m940538 174.8%   
Interest expense Rs m102,3149,825 1,041.4%   
Net interest income Rs m37,7557,047 535.7%  
Operating expense Rs m6,0531,396 433.7%   
Gross profit Rs m31,7025,652 560.9%  
Gross profit margin %22.633.5 67.6%  
Provisions/contingencies Rs m2,910406 717.7%   
Profit before tax Rs m29,7325,621 529.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m50-   
Tax Rs m10,3141,994 517.3%   
Profit after tax Rs m19,4233,627 535.5%  
Net profit margin %13.921.5 64.5%  
BALANCE SHEET DATA
Advances Rs m1,445,340157,206 919.4%   
Deposits Rs m010,122 0.0%  
Credit/Deposit ratio xNM1,553.0- 
Yield on advances %9.610.2 94.2%   
Cost of deposits %N.A.12.5-  
Net Interest Margin %2.64.5 58.4%  
Net fixed assets Rs m1,072154 695.4%   
Share capital Rs m1,010731 138.1%   
Free reserves Rs m110,54413,078 845.3%   
Net worth Rs m111,55913,809 807.9%   
Borrowings Rs m1,037,38966,655 1,556.3%   
Investments Rs m5,192830 625.3%   
Total assets Rs m1,509,972159,710 945.4%  
Debt/equity ratio x9.35.6 167.3%   
Return on assets %1.32.3 56.6%  
Return on equity %17.426.3 66.3%  
Capital adequacy ratio %15.618.9 82.8%  
Net NPAs %0.10-  
CASH FLOW
From Operations Rs m-142,732-19,296 739.7%  
From Investments Rs m-2,77749 -5,643.7%  
From Financial Activity Rs m150,72119,314 780.4%  
Net Cashflow Rs m5,21268 7,699.3%  

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:   SHRIRAM CITY UNION  PNB GILTS  GIC HOUSING  L&T FINANCE HOLDINGS  SREI INFRA FINANCE  



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