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LIC HOUSING vs MAHINDRA & MAHINDRA FINANCIAL SERVICES - Comparison Results

Rs 100 invested in...

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Current Valuations

    LIC HOUSING MAHINDRA & MAHINDRA FINANCIAL SERVICES LIC HOUSING/
MAHINDRA & MAHINDRA FINANCIAL SERVICES
 
P/E (TTM) x 6.9 18.2 38.0% View Chart
P/BV x 1.2 1.9 66.5% View Chart
Dividend Yield % 1.4 2.2 64.6%  

Financials

 LIC HOUSING   MAHINDRA & MAHINDRA FINANCIAL SERVICES
EQUITY SHARE DATA
    LIC HOUSING
Mar-23
MAHINDRA & MAHINDRA FINANCIAL SERVICES
Mar-23
LIC HOUSING/
MAHINDRA & MAHINDRA FINANCIAL SERVICES
5-Yr Chart
Click to enlarge
High Rs444272 163.1%   
Low Rs292158 184.4%   
Income per share (Unadj.) Rs412.9102.9 401.1%  
Earnings per share (Unadj.) Rs52.616.8 312.9%  
Cash flow per share (Unadj.) Rs118.672.1 164.4%  
Dividends per share (Unadj.) Rs8.506.00 141.7%  
Avg Dividend yield %2.32.8 82.9%  
Book value per share (Unadj.) Rs494.2150.1 329.2%  
Shares outstanding (eoy) m550.061,233.60 44.6%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.92.1 42.6%   
Avg P/E ratio x7.012.8 54.6%  
Avg P/CF ratio x7.012.7 55.3%  
Avg Price/Bookvalue ratio x0.71.4 51.9%  
Dividend payout %16.235.7 45.3%   
Avg Mkt Cap Rs m202,217265,378 76.2%   
No. of employees `000NANA-   
Total wages & salary Rs m5,16421,153 24.4%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m227,139126,995 178.9%  
Other income Rs m14315,570 0.9%   
Interest expense Rs m161,34850,943 316.7%   
Net interest income Rs m65,79176,052 86.5%  
Operating expense Rs m29,63761,198 48.4%   
Gross profit Rs m36,15514,854 243.4%  
Gross profit margin %15.911.7 136.1%  
Provisions/contingencies Rs m4248 1.6%   
Profit before tax Rs m35,60828,038 127.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-412 -34.2%   
Prior Period Items Rs m20-   
Tax Rs m6,6967,326 91.4%   
Profit after tax Rs m28,91020,724 139.5%  
Net profit margin %12.716.3 78.0%  
BALANCE SHEET DATA
Advances Rs m2,677,61234,811 7,691.9%   
Deposits Rs m35,05454,587 64.2%  
Credit/Deposit ratio x7,638.563.8 11,978.0%  
Yield on advances %00-   
Cost of deposits %27.49.8 279.4%   
Net Interest Margin %2.450.1 4.8%  
Net fixed assets Rs m3,8858,706 44.6%   
Share capital Rs m1,1012,467 44.6%   
Free reserves Rs m270,746182,732 148.2%   
Net worth Rs m271,847185,199 146.8%   
Borrowings Rs m344,69650,384 684.1%   
Investments Rs m74,289116,974 63.5%   
Total assets Rs m2,766,6311,043,390 265.2%  
Debt/equity ratio x1.40.6 246.5%   
Return on assets %1.02.0 52.6%  
Return on equity %10.611.2 95.0%  
Capital adequacy ratio %18.222.5 81.0%  
Net NPAs %2.51.9 133.7%  
CASH FLOW
From Operations Rs m-196,324-173,953 112.9%  
From Investments Rs m-7,992-16,354 48.9%  
From Financial Activity Rs m202,487188,520 107.4%  
Net Cashflow Rs m-1,830-1,787 102.4%  

Share Holding

Indian Promoters % 45.2 52.2 86.7%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 43.7 39.7 110.1%  
FIIs % 21.6 12.7 170.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 54.8 47.8 114.5%  
Shareholders   305,862 239,372 127.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare LIC HOUSING With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    TATA INVESTMENT    


More on LIC Housing vs M&M Financial

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

LIC Housing vs M&M Financial Share Price Performance

Period LIC Housing M&M Financial
1-Day 3.28% 1.68%
1-Month -4.22% -0.96%
1-Year 91.73% 25.87%
3-Year CAGR 13.29% 11.68%
5-Year CAGR 2.69% 1.26%

* Compound Annual Growth Rate

Here are more details on the LIC Housing share price and the M&M Financial share price.

Moving on to shareholding structures...

The promoters of LIC Housing hold a 45.2% stake in the company. In case of M&M Financial the stake stands at 52.2%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of LIC Housing and the shareholding pattern of M&M Financial.

Finally, a word on dividends...

In the most recent financial year, LIC Housing paid a dividend of Rs 8.5 per share. This amounted to a Dividend Payout ratio of 16.2%.

M&M Financial paid Rs 6.0, and its dividend payout ratio stood at 35.7%.

You may visit here to review the dividend history of LIC Housing, and the dividend history of M&M Financial.

For a sector overview, read our finance sector report.



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