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Compare PNB GILTS with LIC Housing - Equitymaster

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PNB GILTS vs LIC HOUSING - Comparison Results

PNB GILTS    Change

PNB Gilts, is a 78% subsidiary of Punjab National Bank. The company undertakes more than 90% of its operations in government securities. Its range of products and services offered includes : Treasury bills, PSU bonds, Merchant banking, etc. In additi... More

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

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Current Valuations

    PNB GILTS LIC HOUSING PNB GILTS/
LIC HOUSING
 
P/E (TTM) x 16.3 12.7 128.3% View Chart
P/BV x 0.9 2.3 39.5% View Chart
Dividend Yield % 2.7 1.2 219.6%  

Financials

 PNB GILTS   LIC HOUSING
EQUITY SHARE DATA
    PNB GILTS
Mar-14
LIC HOUSING
Mar-17
PNB GILTS/
LIC HOUSING
5-Yr Chart
Click to enlarge
High Rs23629 3.6%   
Low Rs15432 3.5%   
Income per share (Unadj.) Rs19.2277.6 6.9%  
Earnings per share (Unadj.) Rs3.438.5 8.9%  
Cash flow per share (Unadj.) Rs5.765.2 8.7%  
Dividends per share (Unadj.) Rs0.906.20 14.5%  
Avg Dividend yield %4.71.2 404.1%  
Book value per share (Unadj.) Rs37.0221.1 16.7%  
Shares outstanding (eoy) m180.01504.66 35.7%   
Bonus/Rights/Conversions B1:3--  
Avg Price / Income ratio x1.01.9 51.9%   
Avg P/E ratio x5.613.8 40.5%  
Avg P/CF ratio x5.512.0 46.2%  
Avg Price/Bookvalue ratio x0.52.4 21.5%  
Dividend payout %26.416.1 163.8%   
Avg Mkt Cap Rs m3,429267,646 1.3%   
No. of employees `000NA1.8 1.8%   
Total wages & salary Rs m402,662 1.5%   
Avg. income/employee Rs Th104,748.576,415.4 137.1%   
Avg. wages/employee Rs Th1,203.01,452.4 82.8%   
Avg. net profit/employee Rs Th18,600.010,596.1 175.5%   
INCOME DATA
Interest income Rs m3,457140,069 2.5%  
Other income Rs m6940 0.6%   
Interest expense Rs m2,427102,314 2.4%   
Net interest income Rs m1,03037,755 2.7%  
Operating expense Rs m1236,053 2.0%   
Gross profit Rs m90731,702 2.9%  
Gross profit margin %26.222.6 115.9%  
Provisions/contingencies Rs m62,910 0.2%   
Profit before tax Rs m90729,732 3.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00 0.0%   
Prior Period Items Rs m05 0.0%   
Tax Rs m29310,314 2.8%   
Profit after tax Rs m61419,423 3.2%  
Net profit margin %17.813.9 128.1%  
BALANCE SHEET DATA
Advances Rs m33,9421,445,340 2.3%   
Deposits Rs m00-  
Credit/Deposit ratio xNMNM- 
Yield on advances %09.6 0.0%   
Cost of deposits %N.A.N.A.-  
Net Interest Margin %2.52.6 96.8%  
Net fixed assets Rs m411,072 3.8%   
Share capital Rs m1,8001,010 178.2%   
Free reserves Rs m2,868110,544 2.6%   
Net worth Rs m6,655111,559 6.0%   
Borrowings Rs m37,6751,037,389 3.6%   
Investments Rs m6,9545,192 133.9%   
Total assets Rs m4,5571,509,972 0.3%  
Debt/equity ratio x5.79.3 60.9%   
Return on assets %13.51.3 1,047.2%  
Return on equity %9.217.4 53.0%  
Capital adequacy ratio %49.115.6 314.2%  
Net NPAs %00.1 0.0%  
CASH FLOW
From Operations Rs m-944-142,732 0.7%  
From Investments Rs m-5,134-2,777 184.9%  
From Financial Activity Rs m6,300150,721 4.2%  
Net Cashflow Rs m2225,212 4.3%  

Share Holding

Indian Promoters % 74.1 40.3 183.9%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 2.2 7.0 31.4%  
FIIs % 0.1 38.0 0.3%  
ADR/GDR % 0.0 0.6 -  
Free float % 23.6 14.2 166.2%  
Shareholders   29,479 159,214 18.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PNB GILTS With:   CAPITAL FIRST  MAGMA FINCORP  L&T FINANCE HOLDINGS  GRUH FINANCE  RURAL ELECT.  



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