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POONAWALLA FINCORP vs GRUH FINANCE - Comparison Results

Rs 100 invested in...

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Current Valuations

    POONAWALLA FINCORP GRUH FINANCE POONAWALLA FINCORP/
GRUH FINANCE
 
P/E (TTM) x 24.0 52.0 46.2% View Chart
P/BV x 5.3 12.4 43.2% View Chart
Dividend Yield % 0.4 0.6 68.2%  

Financials

 POONAWALLA FINCORP   GRUH FINANCE
EQUITY SHARE DATA
    POONAWALLA FINCORP
Mar-23
GRUH FINANCE
Mar-19
POONAWALLA FINCORP/
GRUH FINANCE
5-Yr Chart
Click to enlarge
High Rs344382 90.0%   
Low Rs209205 102.2%   
Income per share (Unadj.) Rs25.227.6 91.4%  
Earnings per share (Unadj.) Rs7.46.1 121.5%  
Cash flow per share (Unadj.) Rs24.510.1 241.7%  
Dividends per share (Unadj.) Rs2.002.00 100.0%  
Avg Dividend yield %0.70.7 106.1%  
Book value per share (Unadj.) Rs87.825.6 342.5%  
Shares outstanding (eoy) m767.95733.69 104.7%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x11.010.6 103.1%   
Avg P/E ratio x37.348.1 77.6%  
Avg P/CF ratio x37.348.1 77.6%  
Avg Price/Bookvalue ratio x3.111.4 27.5%  
Dividend payout %27.032.8 82.3%   
Avg Mkt Cap Rs m212,299215,172 98.7%   
No. of employees `000NANA-   
Total wages & salary Rs m5,148648 794.9%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m19,38620,262 95.7%  
Other income Rs m5,920216 2,739.6%   
Interest expense Rs m5,95313,012 45.7%   
Net interest income Rs m13,4337,250 185.3%  
Operating expense Rs m11,3031,282 882.0%   
Gross profit Rs m2,1305,968 35.7%  
Gross profit margin %11.029.5 37.3%  
Provisions/contingencies Rs m00-   
Profit before tax Rs m7,5106,150 122.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-110-   
Prior Period Items Rs m00-   
Tax Rs m1,8121,678 108.0%   
Profit after tax Rs m5,6884,472 127.2%  
Net profit margin %29.322.1 132.9%  
BALANCE SHEET DATA
Advances Rs m152,185172,883 88.0%   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-   
Cost of deposits %00-  
Net Interest Margin %8.63.9 217.6%  
Net fixed assets Rs m2,214151 1,462.5%   
Share capital Rs m1,5361,467 104.7%   
Free reserves Rs m65,89117,342 380.0%   
Net worth Rs m67,42718,809 358.5%   
Borrowings Rs m38,744150,129 25.8%   
Investments Rs m4,35910,945 39.8%   
Total assets Rs m231,729195,417 118.6%  
Debt/equity ratio x0.68.0 7.2%   
Return on assets %2.52.3 107.3%  
Return on equity %8.423.8 35.5%  
Capital adequacy ratio %38.920.3 191.7%  
Net NPAs %0.80.4 228.6%  
CASH FLOW
From Operations Rs m-52,365-14,322 365.6%  
From Investments Rs m-1,105491 -224.9%  
From Financial Activity Rs m57,48524,184 237.7%  
Net Cashflow Rs m4,01510,354 38.8%  

Share Holding

Indian Promoters % 62.1 47.4 130.9%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 13.4 30.8 43.3%  
FIIs % 7.8 18.7 41.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 37.9 52.6 72.2%  
Shareholders   195,334 72,213 270.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare POONAWALLA FINCORP With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    TATA INVESTMENT    


More on MAGMA FINCORP vs GRUH FINANCE

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

MAGMA FINCORP vs GRUH FINANCE Share Price Performance

Period MAGMA FINCORP GRUH FINANCE
1-Day -2.16% 3.73%
1-Month 2.11% 27.02%
1-Year 64.90% 13.06%
3-Year CAGR 64.41% 23.04%
5-Year CAGR 31.25% 27.87%

* Compound Annual Growth Rate

Here are more details on the MAGMA FINCORP share price and the GRUH FINANCE share price.

Moving on to shareholding structures...

The promoters of MAGMA FINCORP hold a 62.1% stake in the company. In case of GRUH FINANCE the stake stands at 47.4%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of MAGMA FINCORP and the shareholding pattern of GRUH FINANCE.

Finally, a word on dividends...

In the most recent financial year, MAGMA FINCORP paid a dividend of Rs 2.0 per share. This amounted to a Dividend Payout ratio of 27.0%.

GRUH FINANCE paid Rs 2.0, and its dividend payout ratio stood at 32.8%.

You may visit here to review the dividend history of MAGMA FINCORP, and the dividend history of GRUH FINANCE.

For a sector overview, read our finance sector report.



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