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ChangeLICHF 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, 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
| LIC HOUSING | PNB GILTS | LIC HOUSING/ PNB GILTS |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 17.0 | 5.7 | 296.5% | View Chart |
| P/BV | x | 3.6 | 1.4 | 247.3% | View Chart |
| Dividend Yield | % | 0.8 | 1.7 | 50.0% |
 LIC HOUSING  PNB GILTS |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| LIC HOUSING Mar-16 |
PNB GILTS Mar-14 |
LIC HOUSING/ PNB GILTS |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 514 | 23 | 2,253.1% | |
| Low | Rs | 389 | 15 | 2,542.5% | |
| Income per share (Unadj.) | Rs | 245.9 | 19.2 | 1,280.6% | |
| Earnings per share (Unadj.) | Rs | 33.0 | 3.4 | 969.1% | |
| Cash flow per share (Unadj.) | Rs | 57.1 | 5.7 | 1,003.4% | |
| Dividends per share (Unadj.) | Rs | 5.50 | 0.90 | 611.1% | |
| Avg Dividend yield | % | 1.2 | 4.7 | 25.8% | |
| Book value per share (Unadj.) | Rs | 182.6 | 37.0 | 493.9% | |
| Shares outstanding (eoy) | m | 504.66 | 180.01 | 280.4% | |
| Bonus/Rights/Conversions | - | B1:3 | - | ||
| Avg Price / Income ratio | x | 1.8 | 1.0 | 185.0% | |
| Avg P/E ratio | x | 13.7 | 5.6 | 244.5% | |
| Avg P/CF ratio | x | 12.5 | 5.5 | 225.5% | |
| Avg Price/Bookvalue ratio | x | 2.5 | 0.5 | 479.7% | |
| Dividend payout | % | 16.6 | 26.4 | 63.1% | |
| Avg Mkt Cap | Rs m | 227,778 | 3,429 | 6,642.3% | |
| No. of employees | `000 | 1.7 | NA | 5,230.3% | |
| Total wages & salary | Rs m | 1,645 | 40 | 4,143.8% | |
| Avg. income/employee | Rs Th | 71,902.3 | 104,748.5 | 68.6% | |
| Avg. wages/employee | Rs Th | 953.1 | 1,203.0 | 79.2% | |
| Avg. net profit/employee | Rs Th | 9,662.2 | 18,600.0 | 51.9% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 124,103 | 3,457 | 3,590.2% | |
| Other income | Rs m | 922 | 6 | 15,373.3% | |
| Interest expense | Rs m | 93,066 | 2,427 | 3,835.1% | |
| Net interest income | Rs m | 31,037 | 1,030 | 3,013.3% | |
| Operating expense | Rs m | 4,644 | 123 | 3,763.4% | |
| Gross profit | Rs m | 26,393 | 907 | 2,911.2% | |
| Gross profit margin | % | 21.3 | 26.2 | 81.1% | |
| Provisions/contingencies | Rs m | 1,565 | 6 | 28,450.9% | |
| Profit before tax | Rs m | 25,751 | 907 | 2,839.1% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -3 | 0 | - | |
| Prior Period Items | Rs m | 4 | 0 | - | |
| Tax | Rs m | 9,074 | 293 | 3,095.0% | |
| Profit after tax | Rs m | 16,677 | 614 | 2,717.0% | |
| Net profit margin | % | 13.4 | 17.8 | 75.7% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 1,251,732 | 33,942 | 3,687.9% | |
| Deposits | Rs m | 0 | 0 | - | |
| Credit/Deposit ratio | x | NM | NM | - | |
| Yield on advances | % | 9.8 | 0 | - | |
| Cost of deposits | % | N.A. | N.A. | - | |
| Net Interest Margin | % | 2.5 | 2.5 | 98.2% | |
| Net fixed assets | Rs m | 1,024 | 41 | 2,498.5% | |
| Share capital | Rs m | 1,010 | 1,800 | 56.1% | |
| Free reserves | Rs m | 91,131 | 2,868 | 3,177.4% | |
| Net worth | Rs m | 92,146 | 6,655 | 1,384.6% | |
| Borrowings | Rs m | 906,581 | 37,675 | 2,406.3% | |
| Investments | Rs m | 2,637 | 6,954 | 37.9% | |
| Total assets | Rs m | 1,305,873 | 4,557 | 28,658.9% | |
| Debt/equity ratio | x | 9.8 | 5.7 | 173.8% | |
| Return on assets | % | 1.3 | 13.5 | 9.5% | |
| Return on equity | % | 18.1 | 9.2 | 196.2% | |
| Capital adequacy ratio | % | 17.0 | 49.1 | 34.7% | |
| Net NPAs | % | 0.2 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -130,394 | -944 | 13,810.0% | |
| From Investments | Rs m | -576 | -5,134 | 11.2% | |
| From Financial Activity | Rs m | 140,975 | 6,300 | 2,237.8% | |
| Net Cashflow | Rs m | 10,005 | 222 | 4,515.0% | |
| 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: SHRIRAM TRANSPORT FIN. CAPITAL FIRST POWER FIN CORP GIC HOUSING RURAL ELECT.
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