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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 | 5.7 | 9.5 | 60.6% | View Chart |
| P/BV | x | 1.1 | 1.0 | 105.7% | View Chart |
| Dividend Yield | % | 2.5 | 3.2 | 77.4% |
Financials
 LIC HOUSING  M&M FINANCIAL SERVICES |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| LIC HOUSING Mar-18 |
M&M FINANCIAL SERVICES Mar-19 |
LIC HOUSING/ M&M FINANCIAL SERVICES |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 794 | 538 | 147.7% | |
| Low | Rs | 478 | 351 | 136.0% | |
| Income per share (Unadj.) | Rs | 297.0 | 161.4 | 184.0% | |
| Earnings per share (Unadj.) | Rs | 39.9 | 30.2 | 132.0% | |
| Cash flow per share (Unadj.) | Rs | 69.0 | 80.4 | 85.8% | |
| Dividends per share (Unadj.) | Rs | 6.80 | 6.50 | 104.6% | |
| Avg Dividend yield | % | 1.1 | 1.5 | 73.1% | |
| Book value per share (Unadj.) | Rs | 253.5 | 182.4 | 139.0% | |
| Shares outstanding (eoy) | m | 504.66 | 617.76 | 81.7% | |
| Bonus/Rights/Conversions | - | - | - | ||
| Avg Price / Income ratio | x | 2.1 | 2.8 | 77.8% | |
| Avg P/E ratio | x | 15.9 | 14.7 | 108.4% | |
| Avg P/CF ratio | x | 14.2 | 13.6 | 104.4% | |
| Avg Price/Bookvalue ratio | x | 2.5 | 2.4 | 103.0% | |
| Dividend payout | % | 17.0 | 21.5 | 79.2% | |
| Avg Mkt Cap | Rs m | 320,863 | 274,440 | 116.9% | |
| No. of employees | `000 | 2.1 | 21.8 | 9.7% | |
| Total wages & salary | Rs m | 2,392 | 14,780 | 16.2% | |
| Avg. income/employee | Rs Th | 71,267.1 | 4,575.5 | 1,557.6% | |
| Avg. wages/employee | Rs Th | 1,137.6 | 678.3 | 167.7% | |
| Avg. net profit/employee | Rs Th | 9,576.3 | 857.0 | 1,117.4% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 149,875 | 99,695 | 150.3% | |
| Other income | Rs m | 1,178 | 592 | 199.1% | |
| Interest expense | Rs m | 111,246 | 44,323 | 251.0% | |
| Net interest income | Rs m | 38,629 | 55,373 | 69.8% | |
| Operating expense | Rs m | 6,374 | 22,824 | 27.9% | |
| Gross profit | Rs m | 32,255 | 32,548 | 99.1% | |
| Gross profit margin | % | 21.5 | 32.6 | 65.9% | |
| Provisions/contingencies | Rs m | 2,491 | 1,533 | 162.5% | |
| Profit before tax | Rs m | 30,941 | 27,938 | 110.7% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -4 | 469 | -0.7% | |
| Prior Period Items | Rs m | 25 | 0 | - | |
| Tax | Rs m | 10,823 | 9,735 | 111.2% | |
| Profit after tax | Rs m | 20,139 | 18,673 | 107.9% | |
| Net profit margin | % | 13.4 | 18.7 | 71.7% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 1,663,629 | 689,390 | 241.3% | |
| Deposits | Rs m | 0 | 0 | - | |
| Credit/Deposit ratio | x | NM | NM | - | |
| Yield on advances | % | 8.9 | 12.5 | 71.3% | |
| Cost of deposits | % | N.A. | N.A. | - | |
| Net Interest Margin | % | 2.3 | 7.7 | 30.1% | |
| Net fixed assets | Rs m | 1,320 | 1,098 | 120.1% | |
| Share capital | Rs m | 1,010 | 1,230 | 82.1% | |
| Free reserves | Rs m | 126,921 | 111,460 | 113.9% | |
| Net worth | Rs m | 127,931 | 112,690 | 113.5% | |
| Borrowings | Rs m | 1,102,219 | 246,327 | 447.5% | |
| Investments | Rs m | 9,651 | 33,274 | 29.0% | |
| Total assets | Rs m | 1,719,690 | 745,760 | 230.6% | |
| Debt/equity ratio | x | 8.6 | 2.2 | 394.2% | |
| Return on assets | % | 1.2 | 2.5 | 46.8% | |
| Return on equity | % | 15.7 | 16.6 | 95.0% | |
| Capital adequacy ratio | % | 15.5 | 20.3 | 76.3% | |
| Net NPAs | % | 0.4 | 5.3 | 8.1% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -194,857 | -120,779 | 161.3% | |
| From Investments | Rs m | -4,868 | -12,131 | 40.1% | |
| From Financial Activity | Rs m | 186,139 | 134,895 | 138.0% | |
| Net Cashflow | Rs m | -13,585 | 1,985 | -684.3% | |
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: IFCI GIC HOUSING CAPITAL FIRST SREI INFRA FINANCE GRUH FINANCE
Today's Market
Sensex Ends 143 Points Lower; Banking and Finance Stocks Witness Selling(Closing)
Indian share markets witnessed selling pressure throughout the day today, tracking weak global cues as coronavirus cases continue to surge across the world.
Related Views on News
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.
MAHINDRA FINANCE Announces Quarterly Results (2QFY19); Net Profit Up 278.8% (Quarterly Result Update)
Nov 9, 2018 | Updated on Nov 9, 2018For the quarter ended September 2018, MAHINDRA FINANCE has posted a net profit of Rs 4 bn (up 278.8% YoY). Sales on the other hand came in at Rs 21 bn (up 6.3% YoY). Read on for a complete analysis of MAHINDRA FINANCE's quarterly results.
LIC HOUSING Announces Quarterly Results (2QFY19); Net Profit Up 17.2% (Quarterly Result Update)
Nov 6, 2018 | Updated on Nov 6, 2018For the quarter ended September 2018, LIC HOUSING has posted a net profit of Rs 6 bn (up 17.2% YoY). Sales on the other hand came in at Rs 42 bn (up 13.9% YoY). Read on for a complete analysis of LIC HOUSING's quarterly results.
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