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Compare LIC Housing with Rural Elect. - Equitymaster
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LIC HOUSING vs RURAL ELECT. - 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

RURAL ELECT. 
   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 RURAL ELECT. LIC HOUSING/
RURAL ELECT.
 
P/E (TTM) x 13.2 5.0 264.5% View Chart
P/BV x 2.9 1.0 295.0% View Chart
Dividend Yield % 1.1 12.1 8.7%  

Financials

 LIC HOUSING   RURAL ELECT.
EQUITY SHARE DATA
    LIC HOUSING
Mar-16
RURAL ELECT.
Mar-16
LIC HOUSING/
RURAL ELECT.
5-Yr Chart
Click to enlarge
High Rs514348 147.7%   
Low Rs389152 255.4%   
Income per share (Unadj.) Rs245.9243.2 101.1%  
Earnings per share (Unadj.) Rs33.057.6 57.3%  
Cash flow per share (Unadj.) Rs57.177.5 73.7%  
Dividends per share (Unadj.) Rs5.5017.10 32.2%  
Avg Dividend yield %1.26.8 17.8%  
Book value per share (Unadj.) Rs182.6292.6 62.4%  
Shares outstanding (eoy) m504.66987.46 51.1%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x1.81.0 178.5%   
Avg P/E ratio x13.74.3 314.8%  
Avg P/CF ratio x12.53.6 344.2%  
Avg Price/Bookvalue ratio x2.50.9 289.2%  
Dividend payout %16.629.7 56.1%   
Avg Mkt Cap Rs m227,778246,964 92.2%   
No. of employees `0001.70.6 287.7%   
Total wages & salary Rs m1,6451,432 114.9%   
Avg. income/employee Rs Th71,902.3400,214.7 18.0%   
Avg. wages/employee Rs Th953.12,386.5 39.9%   
Avg. net profit/employee Rs Th9,662.294,857.0 10.2%   
INCOME DATA
Interest income Rs m124,103240,129 51.7%  
Other income Rs m9221,171 78.8%   
Interest expense Rs m93,066142,824 65.2%   
Net interest income Rs m31,03797,305 31.9%  
Operating expense Rs m4,6446,191 75.0%   
Gross profit Rs m26,39391,115 29.0%  
Gross profit margin %21.337.9 56.0%  
Provisions/contingencies Rs m1,56511,159 14.0%   
Profit before tax Rs m25,75181,471 31.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-30-   
Prior Period Items Rs m4-4 -94.9%   
Tax Rs m9,07424,552 37.0%   
Profit after tax Rs m16,67756,914 29.3%  
Net profit margin %13.423.7 56.7%  
BALANCE SHEET DATA
Advances Rs m1,251,7321,586,061 78.9%   
Deposits Rs m00-  
Credit/Deposit ratio xNMNM- 
Yield on advances %9.814.8 66.3%   
Cost of deposits %N.A.N.A.-  
Net Interest Margin %2.56.0 40.9%  
Net fixed assets Rs m1,0243,321 30.8%   
Share capital Rs m1,0109,875 10.2%   
Free reserves Rs m91,131278,009 32.8%   
Net worth Rs m92,146288,934 31.9%   
Borrowings Rs m906,5811,452,446 62.4%   
Investments Rs m2,63723,516 11.2%   
Total assets Rs m1,305,8732,069,449 63.1%  
Debt/equity ratio x9.85.0 195.7%   
Return on assets %1.32.8 46.4%  
Return on equity %18.119.7 91.9%  
Capital adequacy ratio %17.020.4 83.6%  
Net NPAs %0.21.6 13.7%  
CASH FLOW
From Operations Rs m-130,394-132,780 98.2%  
From Investments Rs m-576-7,557 7.6%  
From Financial Activity Rs m140,975152,912 92.2%  
Net Cashflow Rs m10,00512,575 79.6%  

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:   IDFC LIMITED  MAHINDRA FINANCE  SREI INFRA FINANCE  MAGMA FINCORP  L&T FINANCE HOLDINGS  



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