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- LIC HOUSING - M&M FINANCIAL SERVICES
LIC HOUSING vs M&M FINANCIAL SERVICES - 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
M&M FINANCIAL SERVICES 
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
Current Valuations
| LIC HOUSING | M&M FINANCIAL SERVICES | LIC HOUSING/ M&M FINANCIAL SERVICES |
|||
|---|---|---|---|---|---|
| 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 | - |
Financials
 LIC HOUSING  M&M FINANCIAL SERVICES |
| 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
|
||
| 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% | |
Share Holding
| 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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LIC HOUSING Announces Quarterly Results (4QFY19); Net Profit Up 28.6% (Quarterly Result Update)
May 7, 2019 | Updated on May 7, 2019For 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, 2019For 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.
MAHINDRA FINANCE Announces Quarterly Results (3QFY19); Net Profit Down 12.7% (Quarterly Result Update)
Jan 28, 2019 | Updated on Jan 28, 2019For 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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