Compare LIC Housing with REC - Equitymaster

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LIC HOUSING vs REC - 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

REC 
   Change

Rural Electrification Corporation (REC) is a leading public financial institution in India. It is engaged in the financing of power generation, transmission and distribution projects across India. It occupies a nodal position in the government's plan... More

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Current Valuations

    LIC HOUSING REC LIC HOUSING/
REC
 
P/E (TTM) x 9.1 4.8 188.0% View Chart
P/BV x 1.2 0.8 153.1% View Chart
Dividend Yield % 1.9 6.5 28.7%  

Financials

 LIC HOUSING   REC
EQUITY SHARE DATA
    LIC HOUSING
Mar-20
REC
Mar-18
LIC HOUSING/
REC
5-Yr Chart
Click to enlarge
High Rs587224 262.2%   
Low Rs186121 154.0%   
Income per share (Unadj.) Rs388.7116.7 332.9%  
Earnings per share (Unadj.) Rs47.523.7 200.0%  
Cash flow per share (Unadj.) Rs73.731.7 232.6%  
Dividends per share (Unadj.) Rs8.009.15 87.4%  
Avg Dividend yield %2.15.3 39.0%  
Book value per share (Unadj.) Rs361.9181.6 199.3%  
Shares outstanding (eoy) m504.661,974.92 25.6%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x1.01.5 67.4%   
Avg P/E ratio x8.17.3 112.1%  
Avg P/CF ratio x7.85.5 142.1%  
Avg Price/Bookvalue ratio x1.10.9 112.5%  
Dividend payout %16.838.5 43.7%   
Avg Mkt Cap Rs m195,001340,279 57.3%   
No. of employees `0002.40.5 453.0%   
Total wages & salary Rs m3,2761,985 165.1%   
Avg. income/employee Rs Th81,999.8436,636.7 18.8%   
Avg. wages/employee Rs Th1,369.63,758.7 36.4%   
Avg. net profit/employee Rs Th10,019.488,815.5 11.3%   
INCOME DATA
Interest income Rs m196,144230,544 85.1%  
Other income Rs m-292470 -62.2%   
Interest expense Rs m147,814138,596 106.7%   
Net interest income Rs m48,32991,948 52.6%  
Operating expense Rs m5,4058,099 66.7%   
Gross profit Rs m42,92483,849 51.2%  
Gross profit margin %21.936.4 60.2%  
Provisions/contingencies Rs m94914,907 6.4%   
Profit before tax Rs m32,75069,413 47.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-40-   
Prior Period Items Rs m50 -2,600.0%   
Tax Rs m8,78522,518 39.0%   
Profit after tax Rs m23,96646,895 51.1%  
Net profit margin %12.220.3 60.1%  
BALANCE SHEET DATA
Advances Rs m2,079,7452,121,974 98.0%   
Deposits Rs m00-  
Credit/Deposit ratio xNMNM- 
Yield on advances %9.510.2 92.6%   
Cost of deposits %N.A.N.A.-  
Net Interest Margin %2.34.3 52.9%  
Net fixed assets Rs m2,9519,658 30.6%   
Share capital Rs m1,01019,749 5.1%   
Free reserves Rs m181,639338,974 53.6%   
Net worth Rs m182,649358,723 50.9%   
Borrowings Rs m1,320,8231,671,627 79.0%   
Investments Rs m54,84725,807 212.5%   
Total assets Rs m2,169,1972,486,387 87.2%  
Debt/equity ratio x7.24.7 155.2%   
Return on assets %1.11.9 58.6%  
Return on equity %13.113.1 100.4%  
Capital adequacy ratio %13.919.4 71.6%  
Net NPAs %2.05.8 34.5%  
CASH FLOW
From Operations Rs m-147,377-306,780 48.0%  
From Investments Rs m-18,514-3,933 470.8%  
From Financial Activity Rs m151,555286,222 53.0%  
Net Cashflow Rs m-14,336-24,490 58.5%  

Share Holding

Indian Promoters % 40.3 65.6 61.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 7.0 9.3 75.3%  
FIIs % 38.0 19.2 197.9%  
ADR/GDR % 0.6 0.0 -  
Free float % 14.2 5.8 244.8%  
Shareholders   159,214 215,638 73.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare LIC HOUSING With:   GIC HOUSING  SHRIRAM TRANSPORT  MAGMA FINCORP  JM FINANCIAL  GRUH FINANCE  



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May 12, 2021 11:31 AM

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