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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 10.9 34.8 31.3% View Chart
P/BV x 2.1 3.9 53.6% View Chart
Dividend Yield % 1.3 0.9 136.8%  

Financials

 LIC HOUSING   HDFC
EQUITY SHARE DATA
    LIC HOUSING
Mar-18
HDFC
Mar-18
LIC HOUSING/
HDFC
5-Yr Chart
Click to enlarge
High Rs7941,982 40.1%   
Low Rs4781,461 32.7%   
Income per share (Unadj.) Rs297.0385.5 77.0%  
Earnings per share (Unadj.) Rs39.997.0 41.1%  
Cash flow per share (Unadj.) Rs69.0296.1 23.3%  
Dividends per share (Unadj.) Rs6.8020.00 34.0%  
Avg Dividend yield %1.11.2 92.1%  
Book value per share (Unadj.) Rs253.5516.4 49.1%  
Shares outstanding (eoy) m504.661,675.88 30.1%   
Bonus/Rights/Conversions -ESOP-  
Avg Price / Income ratio x2.14.5 47.9%   
Avg P/E ratio x15.917.7 89.8%  
Avg P/CF ratio x14.217.2 82.7%  
Avg Price/Bookvalue ratio x2.53.3 75.2%  
Dividend payout %17.020.6 82.6%   
Avg Mkt Cap Rs m320,8632,884,776 11.1%   
No. of employees `0002.12.6 81.7%   
Total wages & salary Rs m2,39210,481 22.8%   
Avg. income/employee Rs Th71,267.1250,900.4 28.4%   
Avg. wages/employee Rs Th1,137.64,070.4 27.9%   
Avg. net profit/employee Rs Th9,576.363,126.1 15.2%   
INCOME DATA
Interest income Rs m149,875646,069 23.2%  
Other income Rs m1,17845,348 2.6%   
Interest expense Rs m111,246234,524 47.4%   
Net interest income Rs m38,629411,544 9.4%  
Operating expense Rs m6,374299,292 2.1%   
Gross profit Rs m32,255112,252 28.7%  
Gross profit margin %21.517.4 123.9%  
Provisions/contingencies Rs m2,4915,637 44.2%   
Profit before tax Rs m30,941176,025 17.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-4-10,766 0.0%   
Prior Period Items Rs m2537,302 0.1%   
Tax Rs m10,82340,012 27.1%   
Profit after tax Rs m20,139162,550 12.4%  
Net profit margin %13.425.2 53.4%  
BALANCE SHEET DATA
Advances Rs m1,663,6293,791,728 43.9%   
Deposits Rs m0445,995 0.0%  
Credit/Deposit ratio xNM850.2- 
Yield on advances %8.99.0 99.1%   
Cost of deposits %N.A.6.1-  
Net Interest Margin %2.37.9 29.1%  
Net fixed assets Rs m1,32013,541 9.7%   
Share capital Rs m1,0103,352 30.1%   
Free reserves Rs m126,921862,062 14.7%   
Net worth Rs m127,931865,414 14.8%   
Borrowings Rs m1,102,2191,171,103 94.1%   
Investments Rs m9,6511,394,864 0.7%   
Total assets Rs m1,719,6905,627,013 30.6%  
Debt/equity ratio x8.61.9 461.1%   
Return on assets %1.22.9 40.5%  
Return on equity %15.718.8 83.8%  
Capital adequacy ratio %15.519.2 80.7%  
Net NPAs %0.40-  
CASH FLOW
From Operations Rs m-194,857-328,634 59.3%  
From Investments Rs m-4,868-237,069 2.1%  
From Financial Activity Rs m186,139540,279 34.5%  
Net Cashflow Rs m-13,585-25,423 53.4%  

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:   MUTHOOT FINANCE  SREI INFRA FINANCE  SHRIRAM TRANSPORT  M&M FINANCIAL SERVICES  IFCI  



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For the quarter ended December 2018, LIC HOUSING has posted a net profit of Rs 6 bn (up 21.4% YoY). Sales on the other hand came in at Rs 44 bn (up 18.7% YoY). Read on for a complete analysis of LIC HOUSING's quarterly results.

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May 21, 2019 (Close)

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