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 9.0 51.8 17.4% View Chart
P/BV x 1.2 16.8 7.1% View Chart
Dividend Yield % 1.9 1.0 179.0%  

Financials

 LIC HOUSING   GRUH FINANCE
EQUITY SHARE DATA
    LIC HOUSING
Mar-20
GRUH FINANCE
Mar-18
LIC HOUSING/
GRUH FINANCE
5-Yr Chart
Click to enlarge
High Rs587714 82.2%   
Low Rs186368 50.6%   
Income per share (Unadj.) Rs388.746.1 842.5%  
Earnings per share (Unadj.) Rs47.59.9 478.9%  
Cash flow per share (Unadj.) Rs73.718.1 407.9%  
Dividends per share (Unadj.) Rs8.003.30 242.4%  
Avg Dividend yield %2.10.6 339.2%  
Book value per share (Unadj.) Rs361.937.8 958.5%  
Shares outstanding (eoy) m504.66365.72 138.0%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x1.011.7 8.5%   
Avg P/E ratio x8.154.5 14.9%  
Avg P/CF ratio x7.849.0 16.0%  
Avg Price/Bookvalue ratio x1.114.3 7.5%  
Dividend payout %16.833.3 50.6%   
Avg Mkt Cap Rs m195,001197,727 98.6%   
No. of employees `0002.40.7 345.7%   
Total wages & salary Rs m3,276545 601.0%   
Avg. income/employee Rs Th81,999.824,381.4 336.3%   
Avg. wages/employee Rs Th1,369.6787.7 173.9%   
Avg. net profit/employee Rs Th10,019.45,241.0 191.2%   
INCOME DATA
Interest income Rs m196,14416,872 1,162.5%  
Other income Rs m-292538 -54.3%   
Interest expense Rs m147,8149,825 1,504.5%   
Net interest income Rs m48,3297,047 685.8%  
Operating expense Rs m5,4051,396 387.2%   
Gross profit Rs m42,9245,652 759.5%  
Gross profit margin %21.933.5 65.3%  
Provisions/contingencies Rs m949406 234.0%   
Profit before tax Rs m32,7505,621 582.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-40-   
Prior Period Items Rs m50-   
Tax Rs m8,7851,994 440.6%   
Profit after tax Rs m23,9663,627 660.8%  
Net profit margin %12.221.5 56.8%  
BALANCE SHEET DATA
Advances Rs m2,079,745157,206 1,322.9%   
Deposits Rs m010,122 0.0%  
Credit/Deposit ratio xNM1,553.0- 
Yield on advances %9.510.2 93.1%   
Cost of deposits %N.A.12.5-  
Net Interest Margin %2.34.5 50.8%  
Net fixed assets Rs m2,951154 1,913.9%   
Share capital Rs m1,010731 138.1%   
Free reserves Rs m181,63913,078 1,388.9%   
Net worth Rs m182,64913,809 1,322.7%   
Borrowings Rs m1,320,82366,655 1,981.6%   
Investments Rs m54,847830 6,605.7%   
Total assets Rs m2,169,197159,710 1,358.2%  
Debt/equity ratio x7.25.6 130.1%   
Return on assets %1.12.3 48.7%  
Return on equity %13.126.3 50.0%  
Capital adequacy ratio %13.918.9 73.5%  
Net NPAs %2.00-  
CASH FLOW
From Operations Rs m-147,377-19,296 763.8%  
From Investments Rs m-18,51449 -37,630.3%  
From Financial Activity Rs m151,55519,314 784.7%  
Net Cashflow Rs m-14,33668 -21,175.0%  

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:   MAGMA FINCORP  IDFC  MUTHOOT FINANCE  CAPITAL FIRST  L&T FINANCE HOLDINGS  



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May 14, 2021 01:25 PM

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