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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 10.6 22.7 46.7% View Chart
P/BV x 2.0 3.4 59.0% View Chart
Dividend Yield % 1.4 1.1 129.8%  

Financials

 LIC HOUSING   HDFC
EQUITY SHARE DATA
    LIC HOUSING
Mar-17
HDFC
Mar-18
LIC HOUSING/
HDFC
5-Yr Chart
Click to enlarge
High Rs6291,982 31.7%   
Low Rs4321,461 29.5%   
Income per share (Unadj.) Rs277.6385.5 72.0%  
Earnings per share (Unadj.) Rs38.597.0 39.7%  
Cash flow per share (Unadj.) Rs65.2296.1 22.0%  
Dividends per share (Unadj.) Rs6.2020.00 31.0%  
Avg Dividend yield %1.21.2 100.6%  
Book value per share (Unadj.) Rs221.1516.4 42.8%  
Shares outstanding (eoy) m504.661,675.88 30.1%   
Bonus/Rights/Conversions -ESOP-  
Avg Price / Income ratio x1.94.5 42.8%   
Avg P/E ratio x13.817.7 77.6%  
Avg P/CF ratio x12.017.2 69.9%  
Avg Price/Bookvalue ratio x2.43.3 72.0%  
Dividend payout %16.120.6 78.1%   
Avg Mkt Cap Rs m267,6462,884,776 9.3%   
No. of employees `0001.82.6 71.2%   
Total wages & salary Rs m2,66210,481 25.4%   
Avg. income/employee Rs Th76,415.4250,900.4 30.5%   
Avg. wages/employee Rs Th1,452.44,070.4 35.7%   
Avg. net profit/employee Rs Th10,596.163,126.1 16.8%   
INCOME DATA
Interest income Rs m140,069646,069 21.7%  
Other income Rs m94045,348 2.1%   
Interest expense Rs m102,314234,524 43.6%   
Net interest income Rs m37,755411,544 9.2%  
Operating expense Rs m6,053299,292 2.0%   
Gross profit Rs m31,702112,252 28.2%  
Gross profit margin %22.617.4 130.3%  
Provisions/contingencies Rs m2,9105,637 51.6%   
Profit before tax Rs m29,732176,025 16.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-10,766 0.0%   
Prior Period Items Rs m537,302 0.0%   
Tax Rs m10,31440,012 25.8%   
Profit after tax Rs m19,423162,550 11.9%  
Net profit margin %13.925.2 55.1%  
BALANCE SHEET DATA
Advances Rs m1,445,3403,791,728 38.1%   
Deposits Rs m0445,995 0.0%  
Credit/Deposit ratio xNM850.2- 
Yield on advances %9.69.0 106.8%   
Cost of deposits %N.A.6.1-  
Net Interest Margin %2.67.9 32.8%  
Net fixed assets Rs m1,07213,541 7.9%   
Share capital Rs m1,0103,352 30.1%   
Free reserves Rs m110,544862,062 12.8%   
Net worth Rs m111,559865,414 12.9%   
Borrowings Rs m1,037,3891,171,103 88.6%   
Investments Rs m5,1921,394,864 0.4%   
Total assets Rs m1,509,9725,627,013 26.8%  
Debt/equity ratio x9.31.9 497.7%   
Return on assets %1.32.9 44.5%  
Return on equity %17.418.8 92.7%  
Capital adequacy ratio %15.619.2 81.5%  
Net NPAs %0.10-  
CASH FLOW
From Operations Rs m-142,732-328,634 43.4%  
From Investments Rs m-2,777-237,069 1.2%  
From Financial Activity Rs m150,721540,279 27.9%  
Net Cashflow Rs m5,212-25,423 -20.5%  

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:   CAPITAL FIRST  RURAL ELECT.  IDFC LIMITED  GRUH FINANCE  DEWAN H.FIN.  



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HDFC Announces Quarterly Results (1QFY19); Net Profit Up 40.8% (Quarterly Result Update)

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For the quarter ended June 2018, HDFC has posted a net profit of Rs 22 bn (up 40.8% YoY). Sales on the other hand came in at Rs 99 bn (up 22.3% YoY). Read on for a complete analysis of HDFC's quarterly results.

LIC HOUSING Announces Quarterly Results (4QFY18); Net Profit Up 1.9% (Quarterly Result Update)

Jul 20, 2018 | Updated on Jul 20, 2018

For the quarter ended March 2018, LIC HOUSING has posted a net profit of Rs 5 bn (up 1.9% YoY). Sales on the other hand came in at Rs 39 bn (up 7.1% YoY). Read on for a complete analysis of LIC HOUSING's quarterly results.

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Sep 21, 2018 (Close)

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LIC HOUSING - RURAL ELECT. COMPARISON

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