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Compare LIC Housing with HDFC - Equitymaster
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LIC HOUSING vs HDFC - 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

HDFC 
   Change

HDFC is India's largest housing finance company with strong brand equity and market share of approximately 19%. Besides housing loans, HDFC has also been benefiting from the retail reach of its banking subsidiary (HDFC Bank). Over the years, HDFC has... More

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Current Valuations

    LIC HOUSING HDFC LIC HOUSING/
HDFC
 
P/E (TTM) x 14.6 24.9 58.5% View Chart
P/BV x 3.1 4.9 63.5% View Chart
Dividend Yield % 1.0 1.0 99.9%  

Financials

 LIC HOUSING   HDFC
EQUITY SHARE DATA
    LIC HOUSING
Mar-16
HDFC
Mar-17
LIC HOUSING/
HDFC
5-Yr Chart
Click to enlarge
High Rs5141,528 33.6%   
Low Rs3891,060 36.7%   
Income per share (Unadj.) Rs245.9357.1 68.9%  
Earnings per share (Unadj.) Rs33.069.6 47.5%  
Cash flow per share (Unadj.) Rs57.1245.1 23.3%  
Dividends per share (Unadj.) Rs5.5018.00 30.6%  
Avg Dividend yield %1.21.4 87.6%  
Book value per share (Unadj.) Rs182.6378.0 48.3%  
Shares outstanding (eoy) m504.661,588.67 31.8%   
Bonus/Rights/Conversions -ESOP-  
Avg Price / Income ratio x1.83.6 50.6%   
Avg P/E ratio x13.718.6 73.4%  
Avg P/CF ratio x12.517.3 72.3%  
Avg Price/Bookvalue ratio x2.53.4 72.2%  
Dividend payout %16.625.9 64.3%   
Avg Mkt Cap Rs m227,7782,056,216 11.1%   
No. of employees `0001.72.3 74.9%   
Total wages & salary Rs m1,6459,130 18.0%   
Avg. income/employee Rs Th71,902.3246,136.2 29.2%   
Avg. wages/employee Rs Th953.13,961.0 24.1%   
Avg. net profit/employee Rs Th9,662.247,944.1 20.2%   
INCOME DATA
Interest income Rs m124,103567,344 21.9%  
Other income Rs m92243,532 2.1%   
Interest expense Rs m93,066219,532 42.4%   
Net interest income Rs m31,037347,812 8.9%  
Operating expense Rs m4,644247,189 1.9%   
Gross profit Rs m26,393100,623 26.2%  
Gross profit margin %21.317.7 119.9%  
Provisions/contingencies Rs m1,5658,530 18.3%   
Profit before tax Rs m25,751126,496 20.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-3-7,970 0.0%   
Prior Period Items Rs m432,194 0.0%   
Tax Rs m9,07440,208 22.6%   
Profit after tax Rs m16,677110,511 15.1%  
Net profit margin %13.419.5 69.0%  
BALANCE SHEET DATA
Advances Rs m1,251,7323,121,287 40.1%   
Deposits Rs m0418,380 0.0%  
Credit/Deposit ratio xNM746.0- 
Yield on advances %9.810.0 98.2%   
Cost of deposits %N.A.7.2-  
Net Interest Margin %2.58.1 30.7%  
Net fixed assets Rs m1,02413,424 7.6%   
Share capital Rs m1,0103,177 31.8%   
Free reserves Rs m91,131453,788 20.1%   
Net worth Rs m92,146600,593 15.3%   
Borrowings Rs m906,5811,201,141 75.5%   
Investments Rs m2,6371,190,460 0.2%   
Total assets Rs m1,305,8734,731,581 27.6%  
Debt/equity ratio x9.82.7 364.9%   
Return on assets %1.32.3 54.7%  
Return on equity %18.118.4 98.4%  
Capital adequacy ratio %17.014.5 117.5%  
Net NPAs %0.20-  
CASH FLOW
From Operations Rs m-130,394-141,731 92.0%  
From Investments Rs m-576-272,283 0.2%  
From Financial Activity Rs m140,975431,273 32.7%  
Net Cashflow Rs m10,00517,259 58.0%  

Share Holding

Indian Promoters % 40.3 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 7.0 10.5 66.7%  
FIIs % 38.0 77.6 49.0%  
ADR/GDR % 0.6 0.0 -  
Free float % 14.2 12.0 118.3%  
Shareholders   159,214 175,570 90.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare LIC HOUSING With:   MUTHOOT FINANCE  SREI INFRA FINANCE  GRUH FINANCE  MAHINDRA FINANCE  IFCI  



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Jan 22, 2018 (Close)

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