Compare LIC Housing with M&M Financial - Equitymaster

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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 
   Change

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

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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 Rs587442 132.6%   
Low Rs186138 134.4%   
Income per share (Unadj.) Rs388.7185.5 209.6%  
Earnings per share (Unadj.) Rs47.517.6 270.2%  
Cash flow per share (Unadj.) Rs73.763.4 116.4%  
Dividends per share (Unadj.) Rs8.000-  
Avg Dividend yield %2.10-  
Book value per share (Unadj.) Rs361.9193.7 186.8%  
Shares outstanding (eoy) m504.66617.76 81.7%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x1.01.6 63.5%   
Avg P/E ratio x8.116.5 49.2%  
Avg P/CF ratio x7.814.6 53.8%  
Avg Price/Bookvalue ratio x1.11.5 71.2%  
Dividend payout %16.80-   
Avg Mkt Cap Rs m195,001179,398 108.7%   
No. of employees `0002.421.9 10.9%   
Total wages & salary Rs m3,27616,098 20.4%   
Avg. income/employee Rs Th81,999.85,240.9 1,564.6%   
Avg. wages/employee Rs Th1,369.6736.4 186.0%   
Avg. net profit/employee Rs Th10,019.4496.7 2,017.3%   
INCOME DATA
Interest income Rs m196,144114,576 171.2%  
Other income Rs m-2921,135 -25.7%   
Interest expense Rs m147,81453,906 274.2%   
Net interest income Rs m48,32960,671 79.7%  
Operating expense Rs m5,40524,590 22.0%   
Gross profit Rs m42,92436,080 119.0%  
Gross profit margin %21.931.5 69.5%  
Provisions/contingencies Rs m9491,469 64.6%   
Profit before tax Rs m32,75015,561 210.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-4459 -0.9%   
Prior Period Items Rs m50-   
Tax Rs m8,7855,162 170.2%   
Profit after tax Rs m23,96610,858 220.7%  
Net profit margin %12.29.5 128.9%  
BALANCE SHEET DATA
Advances Rs m2,079,745728,638 285.4%   
Deposits Rs m00-  
Credit/Deposit ratio xNMNM- 
Yield on advances %9.511.8 80.3%   
Cost of deposits %N.A.N.A.-  
Net Interest Margin %2.37.8 29.2%  
Net fixed assets Rs m2,9515,545 53.2%   
Share capital Rs m1,0101,231 82.1%   
Free reserves Rs m181,639118,459 153.3%   
Net worth Rs m182,649119,690 152.6%   
Borrowings Rs m1,320,823333,271 396.3%   
Investments Rs m54,84753,404 102.7%   
Total assets Rs m2,169,197817,926 265.2%  
Debt/equity ratio x7.22.8 259.7%   
Return on assets %1.11.3 83.2%  
Return on equity %13.19.1 144.6%  
Capital adequacy ratio %13.919.6 70.9%  
Net NPAs %2.06.0 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 m151,55560,497 250.5%  
Net Cashflow Rs m-14,3362,454 -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 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

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, 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.

MAHINDRA FINANCE Announces Quarterly Results (3QFY19); Net Profit Down 12.7% (Quarterly Result Update)

Jan 28, 2019 | Updated on Jan 28, 2019

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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Jan 21, 2021 11:24 AM

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