LIC HOUSING | MAHINDRA & MAHINDRA FINANCIAL SERVICES | LIC HOUSING/ MAHINDRA & MAHINDRA FINANCIAL SERVICES |
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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% |
LIC HOUSING MAHINDRA & MAHINDRA FINANCIAL SERVICES |
EQUITY SHARE DATA | |||||
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LIC HOUSING Mar-23 |
MAHINDRA & MAHINDRA FINANCIAL SERVICES Mar-23 |
LIC HOUSING/ MAHINDRA & MAHINDRA FINANCIAL SERVICES |
5-Yr Chart Click to enlarge
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High | Rs | 444 | 272 | 163.1% | |
Low | Rs | 292 | 158 | 184.4% | |
Income per share (Unadj.) | Rs | 412.9 | 102.9 | 401.1% | |
Earnings per share (Unadj.) | Rs | 52.6 | 16.8 | 312.9% | |
Cash flow per share (Unadj.) | Rs | 118.6 | 72.1 | 164.4% | |
Dividends per share (Unadj.) | Rs | 8.50 | 6.00 | 141.7% | |
Avg Dividend yield | % | 2.3 | 2.8 | 82.9% | |
Book value per share (Unadj.) | Rs | 494.2 | 150.1 | 329.2% | |
Shares outstanding (eoy) | m | 550.06 | 1,233.60 | 44.6% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 0.9 | 2.1 | 42.6% | |
Avg P/E ratio | x | 7.0 | 12.8 | 54.6% | |
Avg P/CF ratio | x | 7.0 | 12.7 | 55.3% | |
Avg Price/Bookvalue ratio | x | 0.7 | 1.4 | 51.9% | |
Dividend payout | % | 16.2 | 35.7 | 45.3% | |
Avg Mkt Cap | Rs m | 202,217 | 265,378 | 76.2% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 5,164 | 21,153 | 24.4% | |
Avg. income/employee | Rs Th | 0 | 0 | - | |
Avg. wages/employee | Rs Th | 0 | 0 | - | |
Avg. net profit/employee | Rs Th | 0 | 0 | - |
INCOME DATA | |||||
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Interest income | Rs m | 227,139 | 126,995 | 178.9% | |
Other income | Rs m | 143 | 15,570 | 0.9% | |
Interest expense | Rs m | 161,348 | 50,943 | 316.7% | |
Net interest income | Rs m | 65,791 | 76,052 | 86.5% | |
Operating expense | Rs m | 29,637 | 61,198 | 48.4% | |
Gross profit | Rs m | 36,155 | 14,854 | 243.4% | |
Gross profit margin | % | 15.9 | 11.7 | 136.1% | |
Provisions/contingencies | Rs m | 4 | 248 | 1.6% | |
Profit before tax | Rs m | 35,608 | 28,038 | 127.0% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | -4 | 12 | -34.2% | |
Prior Period Items | Rs m | 2 | 0 | - | |
Tax | Rs m | 6,696 | 7,326 | 91.4% | |
Profit after tax | Rs m | 28,910 | 20,724 | 139.5% | |
Net profit margin | % | 12.7 | 16.3 | 78.0% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 2,677,612 | 34,811 | 7,691.9% | |
Deposits | Rs m | 35,054 | 54,587 | 64.2% | |
Credit/Deposit ratio | x | 7,638.5 | 63.8 | 11,978.0% | |
Yield on advances | % | 0 | 0 | - | |
Cost of deposits | % | 27.4 | 9.8 | 279.4% | |
Net Interest Margin | % | 2.4 | 50.1 | 4.8% | |
Net fixed assets | Rs m | 3,885 | 8,706 | 44.6% | |
Share capital | Rs m | 1,101 | 2,467 | 44.6% | |
Free reserves | Rs m | 270,746 | 182,732 | 148.2% | |
Net worth | Rs m | 271,847 | 185,199 | 146.8% | |
Borrowings | Rs m | 344,696 | 50,384 | 684.1% | |
Investments | Rs m | 74,289 | 116,974 | 63.5% | |
Total assets | Rs m | 2,766,631 | 1,043,390 | 265.2% | |
Debt/equity ratio | x | 1.4 | 0.6 | 246.5% | |
Return on assets | % | 1.0 | 2.0 | 52.6% | |
Return on equity | % | 10.6 | 11.2 | 95.0% | |
Capital adequacy ratio | % | 18.2 | 22.5 | 81.0% | |
Net NPAs | % | 2.5 | 1.9 | 133.7% |
CASH FLOW | |||||
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From Operations | Rs m | -196,324 | -173,953 | 112.9% | |
From Investments | Rs m | -7,992 | -16,354 | 48.9% | |
From Financial Activity | Rs m | 202,487 | 188,520 | 107.4% | |
Net Cashflow | Rs m | -1,830 | -1,787 | 102.4% |
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 | - |
Compare LIC HOUSING With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS TATA INVESTMENT
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
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.
After opening the day on positive note, Indian share markets gained the momentum as the session progressed and ended on firm footing.