Gruh Finance [Merged] Financials

NSE: GRUH | BSE: 511288

₹317.70

₹11.15 (3.64%)

As on 15-Oct-2019IST

Market cap

₹23,292 Cr

Revenue (TTM)

₹2,111 Cr

P/E Ratio

P/B Ratio

11.7

Div. Yield

0.6 %

Income Statement (₹ Cr)	TTM	Mar-19	Mar-18	Mar-17	Mar-16	Mar-15
Operating Income	2,111.29	2,026.19	1,693.45	1,487.39	1,275.40	1,060.32
Other Income	0.05	21.61	0.29	--	--	--
Total Income	2,111.34	2,047.80	1,693.74	1,487.39	1,275.40	1,060.32
Interest Expense	1,385.97	1,301.20	984.80	919.62	807.41	677.73
Operating Expenses	106.67	128.16	138.70	122.91	103.26	80.46
Exceptional Income/Expenses	--	--	--	--	--	--
Profit before Tax	613.25	615.04	567.15	442.00	361.70	300.84
Taxes	165.52	167.84	164.40	145.35	118.12	97.04
Profit after Tax	447.73	447.20	402.75	296.65	243.58	203.80
Minority Interest	--	--	--	--	--	--
Share of Associate	--	--	--	--	--	--
Consolidated Profit	--	447.20	402.75	296.65	243.58	203.80

Liabilities (₹ Cr)	TTM	Mar-19	Mar-18	Mar-17	Mar-16	Mar-15
Shareholder's Funds	1,891.44	1,891.44	1,555.24	1,113.21	835.30	711.49
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	49.74	925.50	750.96	11,376.99	9,306.43	7,118.08
Current Liabilities	16,724.79	16,724.79	14,187.49	1,685.50	1,771.80	1,724.00
Total Liabilities	18,665.97	19,579.34	16,539.35	14,175.70	11,913.53	9,553.57

Assets (₹ Cr)	TTM	Mar-19	Mar-18	Mar-17	Mar-16	Mar-15
Non-Current Assets	52.75	18,249.65	16,254.10	13,265.46	11,084.12	8,869.15
Current Assets	18,580.36	1,292.08	239.59	910.24	829.41	684.42
Total Assets	18,665.97	19,579.34	16,539.35	14,175.70	11,913.53	9,553.57
Contingent Liabilities	--	9.92	7.87	11.16	22.95	17.77

Cashflow (₹ Cr)	TTM	Mar-19	Mar-18	Mar-17	Mar-16	Mar-15
Cash From Operating Activities	--	-1,432.15	-1,893.66	-1,710.76	-1,918.73	-1,716.40
Cash Flow from Investing Activities	--	49.11	4.92	3.41	-4.43	-4.27
Cash from Financing Activities	--	2,418.41	1,895.20	1,692.46	1,942.31	1,713.30
Net Cash Inflow / Outflow	--	1,035.37	6.46	-14.89	19.15	-7.37

Financials Ratios	TTM	Mar-19	Mar-18	Mar-17	Mar-16	Mar-15
Adjusted EPS (₹)	6.11	6.10	5.51	4.07	3.35	2.80
Cash EPS (₹)	--	6.14	5.55	4.11	3.39	2.82
Adjusted Book Value (₹)	--	25.64	21.09	15.27	11.48	9.79
Dividend per Share (₹)	--	2.00	3.30	2.80	2.30	2.00
Cash Flow per Share (₹)	--	-19.52	-51.78	-46.93	-52.76	-47.23
Free Cash Flow per Share (₹)	--	-18.03	-51.83	8.92	6.63	4.09

Profitability Ratios	TTM	Mar-19	Mar-18	Mar-17	Mar-16	Mar-15
ROCE (%)	--	12.37	11.39	11.23	11.70	12.26
ROE (%)	25.20	26.13	30.33	30.45	31.49	30.91
ROA (%)	2.59	2.48	2.63	2.27	2.27	2.39
EBIT Margin (%)	94.69	93.51	91.63	91.54	91.67	92.29
Net Margin (%)	21.21	21.84	23.78	19.94	19.10	19.22
Cash Profit Margin (%)	--	22.24	23.97	20.14	19.34	19.34

Growth Ratios	TTM	Mar-19	Mar-18	Mar-17	Mar-16	Mar-15
Revenue Growth (%)	21.06	19.65	13.85	16.62	20.28	25.38
EBIT Growth (%)	24.66	22.10	13.96	16.47	19.47	24.24
Net Profit Growth (%)	-1.10	11.04	35.77	21.79	19.52	15.17
EPS Growth (%)	5.84	10.69	35.34	21.50	19.42	14.19
Book Value Growth (%)	--	21.94	38.56	33.27	17.40	17.17

Valuation Ratios	TTM	Mar-19	Mar-18	Mar-17	Mar-16	Mar-15
Price / Earnings	52.02	45.28	26.20	24.32	17.85	21.67
Price / Book Value	11.67	10.77	13.68	12.96	10.41	12.42
Dividend Yield (%)	0.63	0.72	0.57	0.71	0.96	0.82
EV/EBITDA	18.54	17.78	21.58	19.38	16.11	17.32
Close Price (₹)	276.10	275.80	287.63	197.95	119.63	122.00
High Price (₹)	354.00	382.00	358.85	219.35	139.50	158.85
Low Price (₹)	204.60	204.60	181.10	119.05	94.75	71.50
Market Cap (₹ Cr)	23,291.87	20,250.12	21,106.38	14,427.07	8,697.88	8,834.25

Solvency Ratios	TTM	Mar-19	Mar-18	Mar-17	Mar-16	Mar-15
Debt to Equity	--	7.98	8.12	10.83	12.26	11.54
Short term debt to equity ratio	5.54	7.94	8.06	0.02	0.03	1.37
Current Ratio	1.11	0.08	0.02	0.54	0.47	0.40
Quick Ratio	1.11	0.08	0.02	0.55	0.47	0.40
Interest Coverage	1.44	1.47	1.58	1.48	1.45	1.44

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Income Statement (₹ Cr)