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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 11.5 43.0 26.8% View Chart
P/BV x 2.0 13.9 14.7% View Chart
Dividend Yield % 1.3 1.3 104.5%  

Financials

 LIC HOUSING   GRUH FINANCE
EQUITY SHARE DATA
    LIC HOUSING
Mar-18
GRUH FINANCE
Mar-18
LIC HOUSING/
GRUH FINANCE
5-Yr Chart
Click to enlarge
High Rs794714 111.3%   
Low Rs478368 129.9%   
Income per share (Unadj.) Rs297.046.1 643.7%  
Earnings per share (Unadj.) Rs39.99.9 402.4%  
Cash flow per share (Unadj.) Rs69.018.1 382.0%  
Dividends per share (Unadj.) Rs6.803.30 206.1%  
Avg Dividend yield %1.10.6 175.2%  
Book value per share (Unadj.) Rs253.537.8 671.4%  
Shares outstanding (eoy) m504.66365.72 138.0%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x2.111.7 18.3%   
Avg P/E ratio x15.954.5 29.2%  
Avg P/CF ratio x14.249.0 28.9%  
Avg Price/Bookvalue ratio x2.514.3 17.5%  
Dividend payout %17.033.3 51.2%   
Avg Mkt Cap Rs m320,863197,727 162.3%   
No. of employees `0002.10.7 303.9%   
Total wages & salary Rs m2,392545 438.9%   
Avg. income/employee Rs Th71,267.124,381.4 292.3%   
Avg. wages/employee Rs Th1,137.6787.7 144.4%   
Avg. net profit/employee Rs Th9,576.35,241.0 182.7%   
INCOME DATA
Interest income Rs m149,87516,872 888.3%  
Other income Rs m1,178538 219.0%   
Interest expense Rs m111,2469,825 1,132.3%   
Net interest income Rs m38,6297,047 548.1%  
Operating expense Rs m6,3741,396 456.7%   
Gross profit Rs m32,2555,652 570.7%  
Gross profit margin %21.533.5 64.2%  
Provisions/contingencies Rs m2,491406 614.3%   
Profit before tax Rs m30,9415,621 550.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-40-   
Prior Period Items Rs m250-   
Tax Rs m10,8231,994 542.8%   
Profit after tax Rs m20,1393,627 555.3%  
Net profit margin %13.421.5 62.5%  
BALANCE SHEET DATA
Advances Rs m1,663,629157,206 1,058.2%   
Deposits Rs m010,122 0.0%  
Credit/Deposit ratio xNM1,553.0- 
Yield on advances %8.910.2 87.4%   
Cost of deposits %N.A.12.5-  
Net Interest Margin %2.34.5 51.8%  
Net fixed assets Rs m1,320154 855.7%   
Share capital Rs m1,010731 138.1%   
Free reserves Rs m126,92113,078 970.5%   
Net worth Rs m127,93113,809 926.4%   
Borrowings Rs m1,102,21966,655 1,653.6%   
Investments Rs m9,651830 1,162.3%   
Total assets Rs m1,719,690159,710 1,076.8%  
Debt/equity ratio x8.65.6 155.0%   
Return on assets %1.22.3 51.6%  
Return on equity %15.726.3 59.9%  
Capital adequacy ratio %15.518.9 82.0%  
Net NPAs %0.40-  
CASH FLOW
From Operations Rs m-194,857-19,296 1,009.8%  
From Investments Rs m-4,86849 -9,893.9%  
From Financial Activity Rs m186,13919,314 963.7%  
Net Cashflow Rs m-13,58568 -20,066.9%  

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 TRANSPORT  DHFL  POWER FINANCE CORPORATION  IFCI  CAPITAL FIRST  



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Related Views on News

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.

GRUH FINANCE Announces Quarterly Results (3QFY19); Net Profit Up 18.0% (Quarterly Result Update)

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For the quarter ended December 2018, GRUH FINANCE has posted a net profit of Rs 970 m (up 18.0% YoY). Sales on the other hand came in at Rs 5 bn (up 26.0% YoY). Read on for a complete analysis of GRUH FINANCE's quarterly results.

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