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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 9.5 22.8 41.6% View Chart
P/BV x 1.8 3.8 48.0% View Chart
Dividend Yield % 1.5 0.9 172.2%  

Financials

 LIC HOUSING   HDFC
EQUITY SHARE DATA
    LIC HOUSING
Mar-18
HDFC
Mar-19
LIC HOUSING/
HDFC
5-Yr Chart
Click to enlarge
High Rs7942,051 38.7%   
Low Rs4781,646 29.0%   
Income per share (Unadj.) Rs297.0528.7 56.2%  
Earnings per share (Unadj.) Rs39.9102.1 39.1%  
Cash flow per share (Unadj.) Rs69.0407.6 16.9%  
Dividends per share (Unadj.) Rs6.8021.00 32.4%  
Avg Dividend yield %1.11.1 94.1%  
Book value per share (Unadj.) Rs253.5649.1 39.1%  
Shares outstanding (eoy) m504.661,721.44 29.3%   
Bonus/Rights/Conversions -ESOP-  
Avg Price / Income ratio x2.13.5 61.2%   
Avg P/E ratio x15.918.1 88.0%  
Avg P/CF ratio x14.217.6 80.4%  
Avg Price/Bookvalue ratio x2.52.8 88.1%  
Dividend payout %17.020.6 82.9%   
Avg Mkt Cap Rs m320,8633,182,082 10.1%   
No. of employees `0002.12.8 74.0%   
Total wages & salary Rs m2,39229,674 8.1%   
Avg. income/employee Rs Th71,267.1320,447.2 22.2%   
Avg. wages/employee Rs Th1,137.610,448.5 10.9%   
Avg. net profit/employee Rs Th9,576.361,903.2 15.5%   
INCOME DATA
Interest income Rs m149,875910,070 16.5%  
Other income Rs m1,17851,879 2.3%   
Interest expense Rs m111,246295,253 37.7%   
Net interest income Rs m38,629614,817 6.3%  
Operating expense Rs m6,374485,305 1.3%   
Gross profit Rs m32,255129,512 24.9%  
Gross profit margin %21.514.2 151.2%  
Provisions/contingencies Rs m2,4914,626 53.9%   
Profit before tax Rs m30,941147,091 21.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-40-   
Prior Period Items Rs m2573,898 0.0%   
Tax Rs m10,82345,185 24.0%   
Profit after tax Rs m20,139175,805 11.5%  
Net profit margin %13.419.3 69.6%  
BALANCE SHEET DATA
Advances Rs m1,663,6294,223,638 39.4%   
Deposits Rs m01,055,989 0.0%  
Credit/Deposit ratio xNM400.0- 
Yield on advances %8.911.1 80.4%   
Cost of deposits %N.A.11.2-  
Net Interest Margin %2.312.3 18.7%  
Net fixed assets Rs m1,32013,134 10.0%   
Share capital Rs m1,0103,443 29.3%   
Free reserves Rs m126,9211,113,889 11.4%   
Net worth Rs m127,9311,117,331 11.4%   
Borrowings Rs m1,102,219903,754 122.0%   
Investments Rs m9,651766,340 1.3%   
Total assets Rs m1,719,6906,608,751 26.0%  
Debt/equity ratio x8.61.8 491.2%   
Return on assets %1.22.7 44.0%  
Return on equity %15.715.7 100.0%  
Capital adequacy ratio %15.519.1 81.1%  
Net NPAs %0.40.8 51.2%  
CASH FLOW
From Operations Rs m-194,857-443,014 44.0%  
From Investments Rs m-4,868-103,156 4.7%  
From Financial Activity Rs m186,139549,856 33.9%  
Net Cashflow Rs m-13,5853,686 -368.6%  

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  MAGMA FINCORP  L&T FINANCE HOLDINGS  SHRIRAM TRANSPORT  RURAL ELECTRIFICATION  



Today's Market

Sensex Ends 188 Points Lower; Metal and Telecom Stocks Witness Selling(Closing)

India share markets witnessed selling pressure during closing hours and ended their day on a negative note. At the closing bell, the BSE Sensex stood lower by 188 points (down 0.5%).

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HDFC Announces Quarterly Results (3QFY20); Net Profit Up 296.1% (Quarterly Result Update)

Jan 28, 2020 | Updated on Jan 28, 2020

For the quarter ended December 2019, HDFC has posted a net profit of Rs 84 bn (up 296.1% YoY). Sales on the other hand came in at Rs 203 bn (up 92.2% YoY). Read on for a complete analysis of HDFC's quarterly results.

HDFC Announces Quarterly Results (1QFY20); Net Profit Up 46.3% (Quarterly Result Update)

Aug 14, 2019 | Updated on Aug 14, 2019

For the quarter ended June 2019, HDFC has posted a net profit of Rs 32 bn (up 46.3% YoY). Sales on the other hand came in at Rs 130 bn (up 30.7% YoY). Read on for a complete analysis of HDFC's quarterly results.

LIC HOUSING Announces Quarterly Results (4QFY19); Net Profit Up 28.6% (Quarterly Result Update)

May 7, 2019 | Updated on May 7, 2019

For the quarter ended March 2019, LIC HOUSING has posted a net profit of Rs 7 bn (up 28.6% YoY). Sales on the other hand came in at Rs 47 bn (up 19.3% YoY). Read on for a complete analysis of LIC HOUSING's quarterly results.

LIC HOUSING Announces Quarterly Results (3QFY19); Net Profit Up 21.4% (Quarterly Result Update)

Jan 31, 2019 | Updated on Jan 31, 2019

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.

HDFC Announces Quarterly Results (3QFY19); Net Profit Down 62.7% (Quarterly Result Update)

Jan 30, 2019 | Updated on Jan 30, 2019

For the quarter ended December 2018, HDFC has posted a net profit of Rs 21 bn (down 62.7% YoY). Sales on the other hand came in at Rs 106 bn (up 21.6% YoY). Read on for a complete analysis of HDFC's quarterly results.

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Jan 28, 2020 (Close)

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