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- LIC HOUSING - HDFC
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 
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
Current Valuations
| LIC HOUSING | HDFC | LIC HOUSING/ HDFC |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 9.1 | 39.9 | 22.7% | View Chart |
| P/BV | x | 1.2 | 3.5 | 34.2% | View Chart |
| Dividend Yield | % | 1.9 | 0.8 | 225.8% |
Financials
 LIC HOUSING  HDFC |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| LIC HOUSING Mar-20 |
HDFC Mar-20 |
LIC HOUSING/ HDFC |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 587 | 2,500 | 23.5% | |
| Low | Rs | 186 | 1,473 | 12.6% | |
| Income per share (Unadj.) | Rs | 388.7 | 587.3 | 66.2% | |
| Earnings per share (Unadj.) | Rs | 47.5 | 131.8 | 36.0% | |
| Cash flow per share (Unadj.) | Rs | 73.7 | 422.3 | 17.5% | |
| Dividends per share (Unadj.) | Rs | 8.00 | 21.00 | 38.1% | |
| Avg Dividend yield | % | 2.1 | 1.1 | 195.8% | |
| Book value per share (Unadj.) | Rs | 361.9 | 730.2 | 49.6% | |
| Shares outstanding (eoy) | m | 504.66 | 1,732.05 | 29.1% | |
| Bonus/Rights/Conversions | - | ESOP | - | ||
| Avg Price / Income ratio | x | 1.0 | 3.4 | 29.4% | |
| Avg P/E ratio | x | 8.1 | 15.1 | 54.0% | |
| Avg P/CF ratio | x | 7.8 | 14.8 | 53.0% | |
| Avg Price/Bookvalue ratio | x | 1.1 | 2.7 | 39.2% | |
| Dividend payout | % | 16.8 | 15.9 | 105.7% | |
| Avg Mkt Cap | Rs m | 195,001 | 3,440,544 | 5.7% | |
| No. of employees | `000 | 2.4 | 3.1 | 77.3% | |
| Total wages & salary | Rs m | 3,276 | 13,567 | 24.1% | |
| Avg. income/employee | Rs Th | 81,999.8 | 328,677.6 | 24.9% | |
| Avg. wages/employee | Rs Th | 1,369.6 | 4,383.4 | 31.2% | |
| Avg. net profit/employee | Rs Th | 10,019.4 | 73,752.7 | 13.6% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 196,144 | 1,017,257 | 19.3% | |
| Other income | Rs m | -292 | 702 | -41.6% | |
| Interest expense | Rs m | 147,814 | 321,095 | 46.0% | |
| Net interest income | Rs m | 48,329 | 696,163 | 6.9% | |
| Operating expense | Rs m | 5,405 | 474,201 | 1.1% | |
| Gross profit | Rs m | 42,924 | 221,962 | 19.3% | |
| Gross profit margin | % | 21.9 | 21.8 | 100.3% | |
| Provisions/contingencies | Rs m | 949 | 4,626 | 20.5% | |
| Profit before tax | Rs m | 32,750 | 204,472 | 16.0% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -4 | 0 | - | |
| Prior Period Items | Rs m | 5 | 57,461 | 0.0% | |
| Tax | Rs m | 8,785 | 33,668 | 26.1% | |
| Profit after tax | Rs m | 23,966 | 228,265 | 10.5% | |
| Net profit margin | % | 12.2 | 22.4 | 54.5% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 2,079,745 | 4,454,962 | 46.7% | |
| Deposits | Rs m | 0 | 1,323,048 | 0.0% | |
| Credit/Deposit ratio | x | NM | 336.7 | - | |
| Yield on advances | % | 9.5 | 9.6 | 99.1% | |
| Cost of deposits | % | N.A. | 9.0 | - | |
| Net Interest Margin | % | 2.3 | 12.8 | 17.7% | |
| Net fixed assets | Rs m | 2,951 | 29,526 | 10.0% | |
| Share capital | Rs m | 1,010 | 3,464 | 29.2% | |
| Free reserves | Rs m | 181,639 | 1,261,328 | 14.4% | |
| Net worth | Rs m | 182,649 | 1,264,792 | 14.4% | |
| Borrowings | Rs m | 1,320,823 | 1,079,147 | 122.4% | |
| Investments | Rs m | 54,847 | 999,110 | 5.5% | |
| Total assets | Rs m | 2,169,197 | 7,298,149 | 29.7% | |
| Debt/equity ratio | x | 7.2 | 1.9 | 380.7% | |
| Return on assets | % | 1.1 | 3.1 | 35.3% | |
| Return on equity | % | 13.1 | 18.0 | 72.7% | |
| Capital adequacy ratio | % | 13.9 | 17.6 | 78.9% | |
| Net NPAs | % | 2.0 | 1.5 | 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 m | 151,555 | 387,738 | 39.1% | |
| Net Cashflow | Rs m | -14,336 | 20,152 | -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 | - |
Compare LIC HOUSING With: CAPITAL FIRST MAGMA FINCORP L&T FINANCE HOLDINGS GRUH FINANCE REC
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