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PNB GILTS vs GRUH FINANCE - Comparison Results

Rs 100 invested in...

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Current Valuations

    PNB GILTS GRUH FINANCE PNB GILTS/
GRUH FINANCE
 
P/E (TTM) x 133.4 52.0 256.5% View Chart
P/BV x 1.6 12.4 12.6% View Chart
Dividend Yield % 0.0 0.6 -  

Financials

 PNB GILTS   GRUH FINANCE
EQUITY SHARE DATA
    PNB GILTS
Mar-23
GRUH FINANCE
Mar-19
PNB GILTS/
GRUH FINANCE
5-Yr Chart
Click to enlarge
High Rs79382 20.7%   
Low Rs55205 27.0%   
Income per share (Unadj.) Rs68.327.6 247.4%  
Earnings per share (Unadj.) Rs-4.36.1 -70.4%  
Cash flow per share (Unadj.) Rs12.010.1 118.7%  
Dividends per share (Unadj.) Rs02.00 0.0%  
Avg Dividend yield %00.7 0.0%  
Book value per share (Unadj.) Rs70.025.6 273.0%  
Shares outstanding (eoy) m180.01733.69 24.5%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.010.6 9.2%   
Avg P/E ratio x-15.648.1 -32.5%  
Avg P/CF ratio x-37.348.1 -77.5%  
Avg Price/Bookvalue ratio x1.011.4 8.4%  
Dividend payout %032.8 -0.0%   
Avg Mkt Cap Rs m12,079215,172 5.6%   
No. of employees `000NANA-   
Total wages & salary Rs m116648 17.9%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m12,29820,262 60.7%  
Other income Rs m6216 2.8%   
Interest expense Rs m9,75613,012 75.0%   
Net interest income Rs m2,5427,250 35.1%  
Operating expense Rs m3,4641,282 270.3%   
Gross profit Rs m-9225,968 -15.4%  
Gross profit margin %-7.529.5 -25.4%  
Provisions/contingencies Rs m4480-   
Profit before tax Rs m-8516,150 -13.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-781,678 -4.7%   
Profit after tax Rs m-7724,472 -17.3%  
Net profit margin %-6.322.1 -28.5%  
BALANCE SHEET DATA
Advances Rs m0172,883 0.0%   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-  
Cost of deposits %00-  
Net Interest Margin %1.43.9 34.5%  
Net fixed assets Rs m70151 46.4%   
Share capital Rs m1,8001,467 122.7%   
Free reserves Rs m10,80017,342 62.3%   
Net worth Rs m12,60018,809 67.0%   
Borrowings Rs m192,384150,129 128.1%   
Investments Rs m186,97910,945 1,708.3%   
Total assets Rs m214,872195,417 110.0%  
Debt/equity ratio x15.38.0 191.3%   
Return on assets %-0.42.3 -15.7%  
Return on equity %-6.123.8 -25.8%  
Capital adequacy ratio %31.820.3 156.8%  
Net NPAs %00.4 0.0%  
CASH FLOW
From Operations Rs m-46,383-14,322 323.9%  
From Investments Rs m-144491 -29.4%  
From Financial Activity Rs m46,18024,184 190.9%  
Net Cashflow Rs m-34710,354 -3.4%  

Share Holding

Indian Promoters % 74.1 47.4 156.2%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.0 30.8 0.0%  
FIIs % 0.0 18.7 0.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 25.9 52.6 49.3%  
Shareholders   81,673 72,213 113.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PNB GILTS With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    TATA INVESTMENT    


More on PNB GILTS 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:

PNB GILTS vs GRUH FINANCE Share Price Performance

Period PNB GILTS GRUH FINANCE
1-Day 3.30% 3.73%
1-Month -0.36% 27.02%
1-Year 96.13% 13.06%
3-Year CAGR 32.15% 23.04%
5-Year CAGR 27.93% 27.87%

* Compound Annual Growth Rate

Here are more details on the PNB GILTS share price and the GRUH FINANCE share price.

Moving on to shareholding structures...

The promoters of PNB GILTS hold a 74.1% 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 PNB GILTS and the shareholding pattern of GRUH FINANCE.

Finally, a word on dividends...

In the most recent financial year, PNB GILTS paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of -0.0%.

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 PNB GILTS, and the dividend history of GRUH FINANCE.

For a sector overview, read our finance sector report.



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