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- LIC HOUSING - PNB GILTS
LIC HOUSING vs PNB GILTS - 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
PNB GILTS
PNB Gilts, is a 78% subsidiary of Punjab National Bank. The company undertakes more than 90% of its operations in government securities. Its range of products and services offered includes : Treasury bills, PSU bonds, Merchant banking, etc. In additi... More
Current Valuations
| LIC HOUSING | PNB GILTS | LIC HOUSING/ PNB GILTS |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 12.2 | 16.2 | 75.6% | View Chart |
| P/BV | x | 2.2 | 0.9 | 245.4% | View Chart |
| Dividend Yield | % | 1.3 | 2.7 | 47.0% |
Financials
 LIC HOUSING  PNB GILTS |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| LIC HOUSING Mar-17 |
PNB GILTS Mar-14 |
LIC HOUSING/ PNB GILTS |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 629 | 23 | 2,759.2% | |
| Low | Rs | 432 | 15 | 2,820.9% | |
| Income per share (Unadj.) | Rs | 277.6 | 19.2 | 1,445.4% | |
| Earnings per share (Unadj.) | Rs | 38.5 | 3.4 | 1,128.7% | |
| Cash flow per share (Unadj.) | Rs | 65.2 | 5.7 | 1,144.3% | |
| Dividends per share (Unadj.) | Rs | 6.20 | 0.90 | 688.9% | |
| Avg Dividend yield | % | 1.2 | 4.7 | 24.7% | |
| Book value per share (Unadj.) | Rs | 221.1 | 37.0 | 597.9% | |
| Shares outstanding (eoy) | m | 504.66 | 180.01 | 280.4% | |
| Bonus/Rights/Conversions | - | B1:3 | - | ||
| Avg Price / Income ratio | x | 1.9 | 1.0 | 192.6% | |
| Avg P/E ratio | x | 13.8 | 5.6 | 246.7% | |
| Avg P/CF ratio | x | 12.0 | 5.5 | 216.4% | |
| Avg Price/Bookvalue ratio | x | 2.4 | 0.5 | 465.6% | |
| Dividend payout | % | 16.1 | 26.4 | 61.0% | |
| Avg Mkt Cap | Rs m | 267,646 | 3,429 | 7,804.9% | |
| No. of employees | `000 | 1.8 | NA | 5,554.5% | |
| Total wages & salary | Rs m | 2,662 | 40 | 6,706.0% | |
| Avg. income/employee | Rs Th | 76,415.4 | 104,748.5 | 73.0% | |
| Avg. wages/employee | Rs Th | 1,452.4 | 1,203.0 | 120.7% | |
| Avg. net profit/employee | Rs Th | 10,596.1 | 18,600.0 | 57.0% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 140,069 | 3,457 | 4,052.1% | |
| Other income | Rs m | 940 | 6 | 15,661.7% | |
| Interest expense | Rs m | 102,314 | 2,427 | 4,216.2% | |
| Net interest income | Rs m | 37,755 | 1,030 | 3,665.6% | |
| Operating expense | Rs m | 6,053 | 123 | 4,905.2% | |
| Gross profit | Rs m | 31,702 | 907 | 3,496.8% | |
| Gross profit margin | % | 22.6 | 26.2 | 86.3% | |
| Provisions/contingencies | Rs m | 2,910 | 6 | 52,912.7% | |
| Profit before tax | Rs m | 29,732 | 907 | 3,278.0% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 5 | 0 | - | |
| Tax | Rs m | 10,314 | 293 | 3,517.6% | |
| Profit after tax | Rs m | 19,423 | 614 | 3,164.3% | |
| Net profit margin | % | 13.9 | 17.8 | 78.1% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 1,445,340 | 33,942 | 4,258.3% | |
| Deposits | Rs m | 0 | 0 | - | |
| Credit/Deposit ratio | x | NM | NM | - | |
| Yield on advances | % | 9.6 | 0 | - | |
| Cost of deposits | % | N.A. | N.A. | - | |
| Net Interest Margin | % | 2.6 | 2.5 | 103.3% | |
| Net fixed assets | Rs m | 1,072 | 41 | 2,615.4% | |
| Share capital | Rs m | 1,010 | 1,800 | 56.1% | |
| Free reserves | Rs m | 110,544 | 2,868 | 3,854.2% | |
| Net worth | Rs m | 111,559 | 6,655 | 1,676.3% | |
| Borrowings | Rs m | 1,037,389 | 37,675 | 2,753.5% | |
| Investments | Rs m | 5,192 | 6,954 | 74.7% | |
| Total assets | Rs m | 1,509,972 | 4,557 | 33,138.1% | |
| Debt/equity ratio | x | 9.3 | 5.7 | 164.3% | |
| Return on assets | % | 1.3 | 13.5 | 9.5% | |
| Return on equity | % | 17.4 | 9.2 | 188.8% | |
| Capital adequacy ratio | % | 15.6 | 49.1 | 31.8% | |
| Net NPAs | % | 0.1 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -142,732 | -944 | 15,116.7% | |
| From Investments | Rs m | -2,777 | -5,134 | 54.1% | |
| From Financial Activity | Rs m | 150,721 | 6,300 | 2,392.5% | |
| Net Cashflow | Rs m | 5,212 | 222 | 2,352.2% | |
Share Holding
| Indian Promoters | % | 40.3 | 74.1 | 54.4% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 7.0 | 2.2 | 318.2% | |
| FIIs | % | 38.0 | 0.1 | 38,000.0% | |
| ADR/GDR | % | 0.6 | 0.0 | - | |
| Free float | % | 14.2 | 23.6 | 60.2% | |
| Shareholders | 159,214 | 29,479 | 540.1% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare LIC HOUSING With: CAPITAL FIRST MAGMA FINCORP L&T FINANCE HOLDINGS SHRIRAM TRANSPORT FIN. RURAL ELECT.
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May 25, 2018 (Close)
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