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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 12.6 18.6 68.0% View Chart
P/BV x 2.3 5.0 44.9% View Chart
Dividend Yield % 1.2 0.9 131.7%  

Financials

 LIC HOUSING   HDFC
EQUITY SHARE DATA
    LIC HOUSING
Mar-17
HDFC
Mar-17
LIC HOUSING/
HDFC
5-Yr Chart
Click to enlarge
High Rs6291,528 41.2%   
Low Rs4321,060 40.7%   
Income per share (Unadj.) Rs277.6357.1 77.7%  
Earnings per share (Unadj.) Rs38.569.6 55.3%  
Cash flow per share (Unadj.) Rs65.2245.1 26.6%  
Dividends per share (Unadj.) Rs6.2018.00 34.4%  
Avg Dividend yield %1.21.4 84.1%  
Book value per share (Unadj.) Rs221.1378.0 58.5%  
Shares outstanding (eoy) m504.661,588.67 31.8%   
Bonus/Rights/Conversions -ESOP-  
Avg Price / Income ratio x1.93.6 52.7%   
Avg P/E ratio x13.818.6 74.1%  
Avg P/CF ratio x12.017.3 69.4%  
Avg Price/Bookvalue ratio x2.43.4 70.1%  
Dividend payout %16.125.9 62.3%   
Avg Mkt Cap Rs m267,6462,056,216 13.0%   
No. of employees `0001.82.3 79.5%   
Total wages & salary Rs m2,6629,130 29.2%   
Avg. income/employee Rs Th76,415.4246,136.2 31.0%   
Avg. wages/employee Rs Th1,452.43,961.0 36.7%   
Avg. net profit/employee Rs Th10,596.147,944.1 22.1%   
INCOME DATA
Interest income Rs m140,069567,344 24.7%  
Other income Rs m94043,532 2.2%   
Interest expense Rs m102,314219,532 46.6%   
Net interest income Rs m37,755347,812 10.9%  
Operating expense Rs m6,053247,189 2.4%   
Gross profit Rs m31,702100,623 31.5%  
Gross profit margin %22.617.7 127.6%  
Provisions/contingencies Rs m2,9108,530 34.1%   
Profit before tax Rs m29,732126,496 23.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-7,970 0.0%   
Prior Period Items Rs m532,194 0.0%   
Tax Rs m10,31440,208 25.7%   
Profit after tax Rs m19,423110,511 17.6%  
Net profit margin %13.919.5 71.2%  
BALANCE SHEET DATA
Advances Rs m1,445,3403,121,287 46.3%   
Deposits Rs m0418,380 0.0%  
Credit/Deposit ratio xNM746.0- 
Yield on advances %9.610.0 96.1%   
Cost of deposits %N.A.7.2-  
Net Interest Margin %2.68.1 32.3%  
Net fixed assets Rs m1,07213,424 8.0%   
Share capital Rs m1,0103,177 31.8%   
Free reserves Rs m110,544453,788 24.4%   
Net worth Rs m111,559600,593 18.6%   
Borrowings Rs m1,037,3891,201,141 86.4%   
Investments Rs m5,1921,190,460 0.4%   
Total assets Rs m1,509,9724,731,581 31.9%  
Debt/equity ratio x9.32.7 344.9%   
Return on assets %1.32.3 55.1%  
Return on equity %17.418.4 94.6%  
Capital adequacy ratio %15.614.5 107.9%  
Net NPAs %0.10-  
CASH FLOW
From Operations Rs m-142,732-141,731 100.7%  
From Investments Rs m-2,777-272,283 1.0%  
From Financial Activity Rs m150,721431,273 34.9%  
Net Cashflow Rs m5,21217,259 30.2%  

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:   GIC HOUSING  SHRIRAM TRANSPORT FIN.  RURAL ELECT.  PNB GILTS  GRUH FINANCE  



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Jun 22, 2018 (Close)

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