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
Mahindra & Mahindra Financial Services Ltd (MMFSL), a subsidiary of M&M, is an NBFC focused on the rural and semi-urban sector providing finance for utility vehicles, tractors and cars. MMFSL seeks to position itself between the banks and moneylender... More
LIC HOUSING | M&M FINANCIAL SERVICES | LIC HOUSING/ M&M FINANCIAL SERVICES |
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---|---|---|---|---|---|
P/E (TTM) | x | 9.1 | 10.2 | 89.0% | View Chart |
P/BV | x | 1.2 | 0.9 | 134.0% | View Chart |
Dividend Yield | % | 1.9 | 0.0 | - |
![]() ![]() |
EQUITY SHARE DATA | |||||
---|---|---|---|---|---|
LIC HOUSING Mar-20 |
M&M FINANCIAL SERVICES Mar-20 |
LIC HOUSING/ M&M FINANCIAL SERVICES |
5-Yr Chart Click to enlarge
|
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High | Rs | 587 | 442 | 132.6% | |
Low | Rs | 186 | 138 | 134.4% | |
Income per share (Unadj.) | Rs | 388.7 | 185.5 | 209.6% | |
Earnings per share (Unadj.) | Rs | 47.5 | 17.6 | 270.2% | |
Cash flow per share (Unadj.) | Rs | 73.7 | 63.4 | 116.4% | |
Dividends per share (Unadj.) | Rs | 8.00 | 0 | - | |
Avg Dividend yield | % | 2.1 | 0 | - | |
Book value per share (Unadj.) | Rs | 361.9 | 193.7 | 186.8% | |
Shares outstanding (eoy) | m | 504.66 | 617.76 | 81.7% | |
Bonus/Rights/Conversions | - | - | - | ||
Avg Price / Income ratio | x | 1.0 | 1.6 | 63.5% | |
Avg P/E ratio | x | 8.1 | 16.5 | 49.2% | |
Avg P/CF ratio | x | 7.8 | 14.6 | 53.8% | |
Avg Price/Bookvalue ratio | x | 1.1 | 1.5 | 71.2% | |
Dividend payout | % | 16.8 | 0 | - | |
Avg Mkt Cap | Rs m | 195,001 | 179,398 | 108.7% | |
No. of employees | `000 | 2.4 | 21.9 | 10.9% | |
Total wages & salary | Rs m | 3,276 | 16,098 | 20.4% | |
Avg. income/employee | Rs Th | 81,999.8 | 5,240.9 | 1,564.6% | |
Avg. wages/employee | Rs Th | 1,369.6 | 736.4 | 186.0% | |
Avg. net profit/employee | Rs Th | 10,019.4 | 496.7 | 2,017.3% |
INCOME DATA | |||||
---|---|---|---|---|---|
Interest income | Rs m | 196,144 | 114,576 | 171.2% | |
Other income | Rs m | -292 | 1,135 | -25.7% | |
Interest expense | Rs m | 147,814 | 53,906 | 274.2% | |
Net interest income | Rs m | 48,329 | 60,671 | 79.7% | |
Operating expense | Rs m | 5,405 | 24,590 | 22.0% | |
Gross profit | Rs m | 42,924 | 36,080 | 119.0% | |
Gross profit margin | % | 21.9 | 31.5 | 69.5% | |
Provisions/contingencies | Rs m | 949 | 1,469 | 64.6% | |
Profit before tax | Rs m | 32,750 | 15,561 | 210.5% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | -4 | 459 | -0.9% | |
Prior Period Items | Rs m | 5 | 0 | - | |
Tax | Rs m | 8,785 | 5,162 | 170.2% | |
Profit after tax | Rs m | 23,966 | 10,858 | 220.7% | |
Net profit margin | % | 12.2 | 9.5 | 128.9% |
BALANCE SHEET DATA | |||||
---|---|---|---|---|---|
Advances | Rs m | 2,079,745 | 728,638 | 285.4% | |
Deposits | Rs m | 0 | 0 | - | |
Credit/Deposit ratio | x | NM | NM | - | |
Yield on advances | % | 9.5 | 11.8 | 80.3% | |
Cost of deposits | % | N.A. | N.A. | - | |
Net Interest Margin | % | 2.3 | 7.8 | 29.2% | |
Net fixed assets | Rs m | 2,951 | 5,545 | 53.2% | |
Share capital | Rs m | 1,010 | 1,231 | 82.1% | |
Free reserves | Rs m | 181,639 | 118,459 | 153.3% | |
Net worth | Rs m | 182,649 | 119,690 | 152.6% | |
Borrowings | Rs m | 1,320,823 | 333,271 | 396.3% | |
Investments | Rs m | 54,847 | 53,404 | 102.7% | |
Total assets | Rs m | 2,169,197 | 817,926 | 265.2% | |
Debt/equity ratio | x | 7.2 | 2.8 | 259.7% | |
Return on assets | % | 1.1 | 1.3 | 83.2% | |
Return on equity | % | 13.1 | 9.1 | 144.6% | |
Capital adequacy ratio | % | 13.9 | 19.6 | 70.9% | |
Net NPAs | % | 2.0 | 6.0 | 33.3% |
CASH FLOW | |||||
---|---|---|---|---|---|
From Operations | Rs m | -147,377 | -31,152 | 473.1% | |
From Investments | Rs m | -18,514 | -26,891 | 68.8% | |
From Financial Activity | Rs m | 151,555 | 60,497 | 250.5% | |
Net Cashflow | Rs m | -14,336 | 2,454 | -584.2% |
Indian Promoters | % | 40.3 | 52.1 | 77.4% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 7.0 | 1.3 | 538.5% | |
FIIs | % | 38.0 | 41.4 | 91.8% | |
ADR/GDR | % | 0.6 | 0.0 | - | |
Free float | % | 14.2 | 5.3 | 267.9% | |
Shareholders | 159,214 | 54,174 | 293.9% | ||
Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare LIC HOUSING With: HDFC GRUH FINANCE REC SREI INFRA FINANCE GIC HOUSING
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Monopolistic railway financer with impeccable asset quality.
Does the company having 70% market share of the mutual fund registrar business have sound prospects?
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.
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.
For the quarter ended December 2018, MAHINDRA FINANCE has posted a net profit of Rs 3 bn (down 12.7% YoY). Sales on the other hand came in at Rs 22 bn (up 1.8% YoY). Read on for a complete analysis of MAHINDRA FINANCE's quarterly results.
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