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SHRIRAM CITY UNION vs GRUH FINANCE - Comparison Results

Rs 100 invested in...

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Current Valuations

    SHRIRAM CITY UNION GRUH FINANCE SHRIRAM CITY UNION/
GRUH FINANCE
 
P/E (TTM) x 9.3 52.0 17.9% View Chart
P/BV x 1.4 12.4 11.3% View Chart
Dividend Yield % 1.9 0.6 305.2%  

Financials

 SHRIRAM CITY UNION   GRUH FINANCE
EQUITY SHARE DATA
    SHRIRAM CITY UNION
Mar-22
GRUH FINANCE
Mar-19
SHRIRAM CITY UNION/
GRUH FINANCE
5-Yr Chart
Click to enlarge
High Rs2,600382 680.7%   
Low Rs1,378205 673.7%   
Income per share (Unadj.) Rs1,061.527.6 3,843.8%  
Earnings per share (Unadj.) Rs172.96.1 2,836.0%  
Cash flow per share (Unadj.) Rs-5,605.210.1 -55,334.9%  
Dividends per share (Unadj.) Rs37.002.00 1,850.0%  
Avg Dividend yield %1.90.7 272.7%  
Book value per share (Unadj.) Rs1,379.625.6 5,381.2%  
Shares outstanding (eoy) m66.63733.69 9.1%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.910.6 17.6%   
Avg P/E ratio x11.548.1 23.9%  
Avg P/CF ratio x0.348.1 0.6%  
Avg Price/Bookvalue ratio x1.411.4 12.6%  
Dividend payout %21.432.8 65.2%   
Avg Mkt Cap Rs m132,538215,172 61.6%   
No. of employees `000NANA-   
Total wages & salary Rs m10,576648 1,633.1%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m70,73020,262 349.1%  
Other income Rs m70216 32.3%   
Interest expense Rs m28,30113,012 217.5%   
Net interest income Rs m42,4287,250 585.2%  
Operating expense Rs m25,9501,282 2,024.8%   
Gross profit Rs m16,4795,968 276.1%  
Gross profit margin %23.329.5 79.1%  
Provisions/contingencies Rs m414,9810-   
Profit before tax Rs m15,6866,150 255.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-1300-   
Prior Period Items Rs m00-   
Tax Rs m4,0391,678 240.6%   
Profit after tax Rs m11,5184,472 257.6%  
Net profit margin %16.322.1 73.8%  
BALANCE SHEET DATA
Advances Rs m355,460172,883 205.6%   
Deposits Rs m68,2450-  
Credit/Deposit ratio x520.90- 
Yield on advances %00-   
Cost of deposits %8.00-  
Net Interest Margin %11.53.9 290.9%  
Net fixed assets Rs m2,514151 1,660.2%   
Share capital Rs m6661,467 45.4%   
Free reserves Rs m91,25317,342 526.2%   
Net worth Rs m91,92018,809 488.7%   
Borrowings Rs m27,264150,129 18.2%   
Investments Rs m14,37410,945 131.3%   
Total assets Rs m485,553195,417 248.5%  
Debt/equity ratio x1.08.0 13.0%   
Return on assets %2.42.3 103.7%  
Return on equity %12.523.8 52.7%  
Capital adequacy ratio %26.820.3 131.9%  
Net NPAs %3.30.4 942.9%  
CASH FLOW
From Operations Rs m-38,613-14,322 269.6%  
From Investments Rs m-1,338491 -272.4%  
From Financial Activity Rs m53,47724,184 221.1%  
Net Cashflow Rs m13,52710,354 130.6%  

Share Holding

Indian Promoters % 36.9 47.4 77.7%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 33.0 30.8 107.0%  
FIIs % 26.9 18.7 143.8%  
ADR/GDR % 0.0 0.0 -  
Free float % 63.1 52.6 120.1%  
Shareholders   22,900 72,213 31.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare SHRIRAM CITY UNION With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    TATA INVESTMENT    


More on SHRIRAM CITY UNION 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:

SHRIRAM CITY UNION vs GRUH FINANCE Share Price Performance

Period SHRIRAM CITY UNION GRUH FINANCE
1-Day 0.14% 3.73%
1-Month 4.33% 27.02%
1-Year -0.93% 13.06%
3-Year CAGR 13.37% 23.04%
5-Year CAGR -1.05% 27.87%

* Compound Annual Growth Rate

Here are more details on the SHRIRAM CITY UNION share price and the GRUH FINANCE share price.

Moving on to shareholding structures...

The promoters of SHRIRAM CITY UNION hold a 36.9% 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 SHRIRAM CITY UNION and the shareholding pattern of GRUH FINANCE.

Finally, a word on dividends...

In the most recent financial year, SHRIRAM CITY UNION paid a dividend of Rs 37.0 per share. This amounted to a Dividend Payout ratio of 21.4%.

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 SHRIRAM CITY UNION, and the dividend history of GRUH FINANCE.

For a sector overview, read our finance sector report.



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