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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 9.0 37.7 23.9% View Chart
P/BV x 1.2 3.3 36.0% View Chart
Dividend Yield % 1.9 0.9 214.5%  

Financials

 LIC HOUSING   HDFC
EQUITY SHARE DATA
    LIC HOUSING
Mar-20
HDFC
Mar-20
LIC HOUSING/
HDFC
5-Yr Chart
Click to enlarge
High Rs5872,500 23.5%   
Low Rs1861,473 12.6%   
Income per share (Unadj.) Rs388.7587.3 66.2%  
Earnings per share (Unadj.) Rs47.5131.8 36.0%  
Cash flow per share (Unadj.) Rs73.7422.3 17.5%  
Dividends per share (Unadj.) Rs8.0021.00 38.1%  
Avg Dividend yield %2.11.1 195.8%  
Book value per share (Unadj.) Rs361.9730.2 49.6%  
Shares outstanding (eoy) m504.661,732.05 29.1%   
Bonus/Rights/Conversions -ESOP-  
Avg Price / Income ratio x1.03.4 29.4%   
Avg P/E ratio x8.115.1 54.0%  
Avg P/CF ratio x7.814.8 53.0%  
Avg Price/Bookvalue ratio x1.12.7 39.2%  
Dividend payout %16.815.9 105.7%   
Avg Mkt Cap Rs m195,0013,440,544 5.7%   
No. of employees `0002.43.1 77.3%   
Total wages & salary Rs m3,27613,567 24.1%   
Avg. income/employee Rs Th81,999.8328,677.6 24.9%   
Avg. wages/employee Rs Th1,369.64,383.4 31.2%   
Avg. net profit/employee Rs Th10,019.473,752.7 13.6%   
INCOME DATA
Interest income Rs m196,1441,017,257 19.3%  
Other income Rs m-292702 -41.6%   
Interest expense Rs m147,814321,095 46.0%   
Net interest income Rs m48,329696,163 6.9%  
Operating expense Rs m5,405474,201 1.1%   
Gross profit Rs m42,924221,962 19.3%  
Gross profit margin %21.921.8 100.3%  
Provisions/contingencies Rs m9494,626 20.5%   
Profit before tax Rs m32,750204,472 16.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-40-   
Prior Period Items Rs m557,461 0.0%   
Tax Rs m8,78533,668 26.1%   
Profit after tax Rs m23,966228,265 10.5%  
Net profit margin %12.222.4 54.5%  
BALANCE SHEET DATA
Advances Rs m2,079,7454,454,962 46.7%   
Deposits Rs m01,323,048 0.0%  
Credit/Deposit ratio xNM336.7- 
Yield on advances %9.59.6 99.1%   
Cost of deposits %N.A.9.0-  
Net Interest Margin %2.312.8 17.7%  
Net fixed assets Rs m2,95129,526 10.0%   
Share capital Rs m1,0103,464 29.2%   
Free reserves Rs m181,6391,261,328 14.4%   
Net worth Rs m182,6491,264,792 14.4%   
Borrowings Rs m1,320,8231,079,147 122.4%   
Investments Rs m54,847999,110 5.5%   
Total assets Rs m2,169,1977,298,149 29.7%  
Debt/equity ratio x7.21.9 380.7%   
Return on assets %1.13.1 35.3%  
Return on equity %13.118.0 72.7%  
Capital adequacy ratio %13.917.6 78.9%  
Net NPAs %2.01.5 133.6%  
CASH FLOW
From Operations Rs m-147,377-268,850 54.8%  
From Investments Rs m-18,514-98,737 18.8%  
From Financial Activity Rs m151,555387,738 39.1%  
Net Cashflow Rs m-14,33620,152 -71.1%  

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:   MAGMA FINCORP  IDFC  MUTHOOT FINANCE  CAPITAL FIRST  L&T FINANCE HOLDINGS  



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May 14, 2021 (Close)

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