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, 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 | 9.0 | 5.7 | 157.7% | View Chart |
P/BV | x | 1.2 | 0.9 | 128.9% | View Chart |
Dividend Yield | % | 1.9 | 2.2 | 83.9% |
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EQUITY SHARE DATA | |||||
---|---|---|---|---|---|
LIC HOUSING Mar-20 |
PNB GILTS Mar-18 |
LIC HOUSING/ PNB GILTS |
5-Yr Chart Click to enlarge
|
||
High | Rs | 587 | 60 | 978.0% | |
Low | Rs | 186 | 34 | 553.6% | |
Income per share (Unadj.) | Rs | 388.7 | 18.3 | 2,125.3% | |
Earnings per share (Unadj.) | Rs | 47.5 | 2.0 | 2,337.0% | |
Cash flow per share (Unadj.) | Rs | 73.7 | 3.9 | 1,902.2% | |
Dividends per share (Unadj.) | Rs | 8.00 | 1.00 | 800.0% | |
Avg Dividend yield | % | 2.1 | 2.1 | 96.9% | |
Book value per share (Unadj.) | Rs | 361.9 | 49.0 | 739.3% | |
Shares outstanding (eoy) | m | 504.66 | 180.01 | 280.4% | |
Bonus/Rights/Conversions | - | - | - | ||
Avg Price / Income ratio | x | 1.0 | 2.6 | 38.8% | |
Avg P/E ratio | x | 8.1 | 23.0 | 35.3% | |
Avg P/CF ratio | x | 7.8 | 23.0 | 34.0% | |
Avg Price/Bookvalue ratio | x | 1.1 | 1.0 | 111.7% | |
Dividend payout | % | 16.8 | 49.2 | 34.2% | |
Avg Mkt Cap | Rs m | 195,001 | 8,424 | 2,314.7% | |
No. of employees | `000 | 2.4 | NA | 6,644.4% | |
Total wages & salary | Rs m | 3,276 | 78 | 4,216.5% | |
Avg. income/employee | Rs Th | 81,999.8 | 91,441.7 | 89.7% | |
Avg. wages/employee | Rs Th | 1,369.6 | 2,158.3 | 63.5% | |
Avg. net profit/employee | Rs Th | 10,019.4 | 10,161.1 | 98.6% |
INCOME DATA | |||||
---|---|---|---|---|---|
Interest income | Rs m | 196,144 | 3,292 | 5,958.4% | |
Other income | Rs m | -292 | 3 | -9,131.3% | |
Interest expense | Rs m | 147,814 | 3,307 | 4,469.5% | |
Net interest income | Rs m | 48,329 | -15 | -315,878.4% | |
Operating expense | Rs m | 5,405 | 145 | 3,730.3% | |
Gross profit | Rs m | 42,924 | -160 | -26,794.1% | |
Gross profit margin | % | 21.9 | -4.9 | -449.7% | |
Provisions/contingencies | Rs m | 949 | 0 | - | |
Profit before tax | Rs m | 32,750 | 553 | 5,924.4% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | -4 | 0 | - | |
Prior Period Items | Rs m | 5 | 0 | - | |
Tax | Rs m | 8,785 | 187 | 4,698.0% | |
Profit after tax | Rs m | 23,966 | 366 | 6,551.7% | |
Net profit margin | % | 12.2 | 11.1 | 110.0% |
BALANCE SHEET DATA | |||||
---|---|---|---|---|---|
Advances | Rs m | 2,079,745 | 152 | 1,370,056.1% | |
Deposits | Rs m | 0 | 0 | - | |
Credit/Deposit ratio | x | NM | NM | - | |
Yield on advances | % | 9.5 | 0 | - | |
Cost of deposits | % | N.A. | N.A. | - | |
Net Interest Margin | % | 2.3 | -0.2 | -1,258.2% | |
Net fixed assets | Rs m | 2,951 | 28 | 10,578.1% | |
Share capital | Rs m | 1,010 | 1,800 | 56.1% | |
Free reserves | Rs m | 181,639 | 7,013 | 2,590.2% | |
Net worth | Rs m | 182,649 | 8,813 | 2,072.6% | |
Borrowings | Rs m | 1,320,823 | 43,687 | 3,023.4% | |
Investments | Rs m | 54,847 | 8,351 | 656.8% | |
Total assets | Rs m | 2,169,197 | 53,858 | 4,027.6% | |
Debt/equity ratio | x | 7.2 | 5.0 | 145.9% | |
Return on assets | % | 1.1 | 0.7 | 162.7% | |
Return on equity | % | 13.1 | 4.2 | 316.1% | |
Capital adequacy ratio | % | 13.9 | 67.1 | 20.7% | |
Net NPAs | % | 2.0 | 0 | - |
CASH FLOW | |||||
---|---|---|---|---|---|
From Operations | Rs m | -147,377 | -3,028 | 4,867.3% | |
From Investments | Rs m | -18,514 | -3,928 | 471.4% | |
From Financial Activity | Rs m | 151,555 | 8,006 | 1,893.1% | |
Net Cashflow | Rs m | -14,336 | 1,050 | -1,365.4% |
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: M&M FINANCIAL SERVICES MUTHOOT FINANCE HDFC IDFC SREI INFRA FINANCE
Indian share markets witnessed heavy selling pressure today, pausing the record rally, with all sectors barring telecom, reeling under pressure.
Does the company having 70% market share of the mutual fund registrar business have sound prospects?
For the quarter ended March 2019, LIC HOUSING has posted a net profit of Rs 7 bn (up 28.6% YoY). Sales on the other hand came in at Rs 47 bn (up 19.3% YoY). Read on for a complete analysis of LIC HOUSING's quarterly results.
For the quarter ended December 2018, PNB GILTS has posted a net profit of Rs 933 m (up 770.8% YoY). Sales on the other hand came in at Rs 2 bn (up 196.1% YoY). Read on for a complete analysis of PNB GILTS's quarterly results.
For the quarter ended December 2018, LIC HOUSING has posted a net profit of Rs 6 bn (up 21.4% YoY). Sales on the other hand came in at Rs 44 bn (up 18.7% YoY). Read on for a complete analysis of LIC HOUSING's quarterly results.
Does the company having 70% market share of the mutual fund registrar business have sound prospects?
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