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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
Sundaram Finance (SFL) promoted by TVS group, is one of the largest NBFCs in India. The group has been known for its prudent management. SFL is primarily engaged in the business of hire purchase and leasing mainly in the automobile market (primarily ... More
| LIC HOUSING | SUNDARAM FINANCE | LIC HOUSING/ SUNDARAM FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 16.6 | 37.2 | 44.7% | View Chart |
| P/BV | x | 3.5 | 4.7 | 73.5% | View Chart |
| Dividend Yield | % | 0.9 | 0.7 | 131.7% |
 LIC HOUSING  SUNDARAM FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| LIC HOUSING Mar-16 |
SUNDARAM FINANCE Mar-15 |
LIC HOUSING/ SUNDARAM FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 514 | 1,624 | 31.6% | |
| Low | Rs | 389 | 650 | 59.8% | |
| Income per share (Unadj.) | Rs | 245.9 | 381.5 | 64.5% | |
| Earnings per share (Unadj.) | Rs | 33.0 | 51.8 | 63.8% | |
| Cash flow per share (Unadj.) | Rs | 57.1 | 181.5 | 31.5% | |
| Dividends per share (Unadj.) | Rs | 5.50 | 10.50 | 52.4% | |
| Avg Dividend yield | % | 1.2 | 0.9 | 132.0% | |
| Book value per share (Unadj.) | Rs | 182.6 | 337.5 | 54.1% | |
| Shares outstanding (eoy) | m | 504.66 | 111.10 | 454.2% | |
| Bonus/Rights/Conversions | - | - | - | ||
| Avg Price / Income ratio | x | 1.8 | 3.0 | 61.6% | |
| Avg P/E ratio | x | 13.7 | 21.9 | 62.3% | |
| Avg P/CF ratio | x | 12.5 | 15.3 | 81.6% | |
| Avg Price/Bookvalue ratio | x | 2.5 | 3.4 | 73.4% | |
| Dividend payout | % | 16.6 | 20.3 | 82.2% | |
| Avg Mkt Cap | Rs m | 227,778 | 126,343 | 180.3% | |
| No. of employees | `000 | 1.7 | NA | - | |
| Total wages & salary | Rs m | 1,645 | 4,053 | 40.6% | |
| Avg. income/employee | Rs Th | 71,902.3 | NM | - | |
| Avg. wages/employee | Rs Th | 953.1 | NM | - | |
| Avg. net profit/employee | Rs Th | 9,662.2 | N.A. | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 124,103 | 42,381 | 292.8% | |
| Other income | Rs m | 922 | 561 | 164.3% | |
| Interest expense | Rs m | 93,066 | 17,815 | 522.4% | |
| Net interest income | Rs m | 31,037 | 24,566 | 126.3% | |
| Operating expense | Rs m | 4,644 | 14,032 | 33.1% | |
| Gross profit | Rs m | 26,393 | 10,534 | 250.5% | |
| Gross profit margin | % | 21.3 | 24.9 | 85.6% | |
| Provisions/contingencies | Rs m | 1,565 | 2,496 | 62.7% | |
| Profit before tax | Rs m | 25,751 | 8,599 | 299.4% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -3 | -684 | 0.4% | |
| Prior Period Items | Rs m | 4 | 713 | 0.5% | |
| Tax | Rs m | 9,074 | 2,869 | 316.3% | |
| Profit after tax | Rs m | 16,677 | 5,759 | 289.6% | |
| Net profit margin | % | 13.4 | 13.6 | 98.9% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 1,251,732 | 209,494 | 597.5% | |
| Deposits | Rs m | 0 | 0 | - | |
| Credit/Deposit ratio | x | NM | NM | - | |
| Yield on advances | % | 9.8 | 14.4 | 68.1% | |
| Cost of deposits | % | N.A. | N.A. | - | |
| Net Interest Margin | % | 2.5 | 10.4 | 23.9% | |
| Net fixed assets | Rs m | 1,024 | 5,174 | 19.8% | |
| Share capital | Rs m | 1,010 | 1,111 | 90.9% | |
| Free reserves | Rs m | 91,131 | 25,409 | 358.7% | |
| Net worth | Rs m | 92,146 | 37,498 | 245.7% | |
| Borrowings | Rs m | 906,581 | 112,140 | 808.4% | |
| Investments | Rs m | 2,637 | 27,309 | 9.7% | |
| Total assets | Rs m | 1,305,873 | 257,855 | 506.4% | |
| Debt/equity ratio | x | 9.8 | 3.0 | 329.0% | |
| Return on assets | % | 1.3 | 2.2 | 57.2% | |
| Return on equity | % | 18.1 | 15.4 | 117.8% | |
| Capital adequacy ratio | % | 17.0 | 21.4 | 79.6% | |
| Net NPAs | % | 0.2 | 0.5 | 42.3% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -130,394 | -14,297 | 912.0% | |
| From Investments | Rs m | -576 | 4,382 | -13.1% | |
| From Financial Activity | Rs m | 140,975 | 7,644 | 1,844.4% | |
| Net Cashflow | Rs m | 10,005 | -2,272 | -440.4% | |
| Indian Promoters | % | 40.3 | 35.5 | 113.5% | |
| Foreign collaborators | % | 0.0 | 0.7 | - | |
| Indian inst/Mut Fund | % | 7.0 | 7.7 | 90.9% | |
| FIIs | % | 38.0 | 5.3 | 717.0% | |
| ADR/GDR | % | 0.6 | 0.0 | - | |
| Free float | % | 14.2 | 51.0 | 27.8% | |
| Shareholders | 159,214 | 18,488 | 861.2% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare LIC HOUSING With: IFCI GIC HOUSING DEWAN H.FIN. MUTHOOT FINANCE HDFC
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