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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 17.3 24.3 71.1% View Chart
P/BV x 3.6 5.5 65.9% View Chart
Dividend Yield % 0.8 1.0 86.4%  

Financials

 LIC HOUSING   HDFC
EQUITY SHARE DATA
    LIC HOUSING
Mar-16
HDFC
Mar-16
LIC HOUSING/
HDFC
5-Yr Chart
Click to enlarge
High Rs5141,370 37.5%   
Low Rs3891,012 38.4%   
Income per share (Unadj.) Rs245.9311.4 79.0%  
Earnings per share (Unadj.) Rs33.064.5 51.2%  
Cash flow per share (Unadj.) Rs57.1196.6 29.1%  
Dividends per share (Unadj.) Rs5.5017.00 32.4%  
Avg Dividend yield %1.21.4 85.4%  
Book value per share (Unadj.) Rs182.6322.2 56.7%  
Shares outstanding (eoy) m504.661,579.85 31.9%   
Bonus/Rights/Conversions -WC-  
Avg Price / Income ratio x1.83.8 48.0%   
Avg P/E ratio x13.718.5 74.0%  
Avg P/CF ratio x12.517.0 73.3%  
Avg Price/Bookvalue ratio x2.53.7 66.9%  
Dividend payout %16.626.4 63.1%   
Avg Mkt Cap Rs m227,7781,881,601 12.1%   
No. of employees `0001.72.2 78.6%   
Total wages & salary Rs m1,6457,881 20.9%   
Avg. income/employee Rs Th71,902.3224,012.8 32.1%   
Avg. wages/employee Rs Th953.13,589.0 26.6%   
Avg. net profit/employee Rs Th9,662.246,403.7 20.8%   
INCOME DATA
Interest income Rs m124,103491,932 25.2%  
Other income Rs m92224,474 3.8%   
Interest expense Rs m93,066202,956 45.9%   
Net interest income Rs m31,037288,976 10.7%  
Operating expense Rs m4,644197,070 2.4%   
Gross profit Rs m26,39391,906 28.7%  
Gross profit margin %21.318.7 113.8%  
Provisions/contingencies Rs m1,5658,534 18.3%   
Profit before tax Rs m25,75199,964 25.8%   
Extraordinary Inc (Exp) Rs m016,165 0.0%   
Minority Interest Rs m-3-5,280 0.1%   
Prior Period Items Rs m427,446 0.0%   
Tax Rs m9,07436,393 24.9%   
Profit after tax Rs m16,677101,903 16.4%  
Net profit margin %13.420.7 64.9%  
BALANCE SHEET DATA
Advances Rs m1,251,7322,720,856 46.0%   
Deposits Rs m0341,642 0.0%  
Credit/Deposit ratio xNM796.4- 
Yield on advances %9.810.4 94.3%   
Cost of deposits %N.A.7.8-  
Net Interest Margin %2.57.9 31.5%  
Net fixed assets Rs m1,02413,992 7.3%   
Share capital Rs m1,0103,160 32.0%   
Free reserves Rs m91,131377,902 24.1%   
Net worth Rs m92,146509,007 18.1%   
Borrowings Rs m906,581846,182 107.1%   
Investments Rs m2,637954,644 0.3%   
Total assets Rs m1,305,8733,976,805 32.8%  
Debt/equity ratio x9.82.3 421.6%   
Return on assets %1.32.6 49.8%  
Return on equity %18.120.0 90.4%  
Capital adequacy ratio %17.016.6 102.7%  
Net NPAs %0.20-  
CASH FLOW
From Operations Rs m-130,394-195,866 66.6%  
From Investments Rs m-576-93,123 0.6%  
From Financial Activity Rs m140,975289,868 48.6%  
Net Cashflow Rs m10,005879 1,138.4%  

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:   MAHINDRA FINANCE  MUTHOOT FINANCE  GIC HOUSING  IDFC LIMITED  PNB GILTS  



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Aug 23, 2017 (Close)

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LIC HOUSING 5-YR ANALYSIS

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