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Compare LIC Housing with Mahindra Finance - 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 11.1 16.0 69.6% View Chart
P/BV x 2.1 2.4 89.3% View Chart
Dividend Yield % 1.3 1.0 130.9%  

Financials

 LIC HOUSING   M&M FINANCIAL SERVICES
EQUITY SHARE DATA
    LIC HOUSING
Mar-18
M&M FINANCIAL SERVICES
Mar-18
LIC HOUSING/
M&M FINANCIAL SERVICES
5-Yr Chart
Click to enlarge
High Rs794524 151.6%   
Low Rs478290 164.5%   
Income per share (Unadj.) Rs297.0138.1 215.0%  
Earnings per share (Unadj.) Rs39.916.6 240.8%  
Cash flow per share (Unadj.) Rs69.038.9 177.3%  
Dividends per share (Unadj.) Rs6.804.00 170.0%  
Avg Dividend yield %1.11.0 108.8%  
Book value per share (Unadj.) Rs253.5160.5 157.9%  
Shares outstanding (eoy) m504.66617.76 81.7%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x2.12.9 72.6%   
Avg P/E ratio x15.924.6 64.9%  
Avg P/CF ratio x14.210.4 135.7%  
Avg Price/Bookvalue ratio x2.52.5 98.9%  
Dividend payout %17.024.1 70.6%   
Avg Mkt Cap Rs m320,863251,459 127.6%   
No. of employees `0002.118.7 11.2%   
Total wages & salary Rs m2,39211,571 20.7%   
Avg. income/employee Rs Th71,267.14,555.1 1,564.5%   
Avg. wages/employee Rs Th1,137.6617.7 184.2%   
Avg. net profit/employee Rs Th9,576.3546.6 1,752.0%   
INCOME DATA
Interest income Rs m149,87585,332 175.6%  
Other income Rs m1,178404 291.9%   
Interest expense Rs m111,24634,263 324.7%   
Net interest income Rs m38,62951,068 75.6%  
Operating expense Rs m6,37421,536 29.6%   
Gross profit Rs m32,25529,532 109.2%  
Gross profit margin %21.534.6 62.2%  
Provisions/contingencies Rs m2,49113,826 18.0%   
Profit before tax Rs m30,94116,110 192.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-4-275 1.3%   
Prior Period Items Rs m25507 4.8%   
Tax Rs m10,8236,103 177.3%   
Profit after tax Rs m20,13910,239 196.7%  
Net profit margin %13.412.0 112.0%  
BALANCE SHEET DATA
Advances Rs m1,663,629348,822 476.9%   
Deposits Rs m00-  
Credit/Deposit ratio xNMNM- 
Yield on advances %8.921.9 40.6%   
Cost of deposits %N.A.N.A.-  
Net Interest Margin %2.314.3 16.1%  
Net fixed assets Rs m1,3201,519 86.8%   
Share capital Rs m1,0101,229 82.2%   
Free reserves Rs m126,92197,923 129.6%   
Net worth Rs m127,93199,152 129.0%   
Borrowings Rs m1,102,219288,950 381.5%   
Investments Rs m9,6517,766 124.3%   
Total assets Rs m1,719,690635,385 270.7%  
Debt/equity ratio x8.62.9 295.6%   
Return on assets %1.21.6 72.7%  
Return on equity %15.710.3 152.4%  
Capital adequacy ratio %15.521.9 70.7%  
Net NPAs %0.44.1 10.5%  
CASH FLOW
From Operations Rs m-194,857-95,351 204.4%  
From Investments Rs m-4,8684,049 -120.2%  
From Financial Activity Rs m186,13990,391 205.9%  
Net Cashflow Rs m-13,585-911 1,491.3%  

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 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare LIC HOUSING With:   GIC HOUSING  SHRIRAM TRANSPORT  RURAL ELECTRIFICATION  SREI INFRA FINANCE  GRUH FINANCE  



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May 7, 2019 | Updated on May 7, 2019

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