Gruh Finance [Merged] Peer Comparison

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 %

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	Gruh Finance [Merged]	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
Market cap (₹ Cr)	23,292	30,184	30,889	20,992	18,004
Revenue (₹ Cr)	2,111	8,692	28,683	3,817	7,418
Net Profit (₹ Cr)	447.73	2,315.08	5,734.11	1,140.96	-7,235.56
Net Margin (%)	21.21	26.65	19.99	29.77	-96.96
RoE (%)	25.20	12.45	14.36	15.98	-9.77
Price to Earnings	52.02	13.04	5.38	18.40	--
Price-To-Book	11.67	1.53	0.72	2.70	0.94

Income Statement (₹ Cr)

	Gruh Finance [Merged]	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
Operating Income	2,111.29	7,679.32	17,395.38	1,263.77	17,050.15
Other Income	0.05	3.90	3.08	0.02	32.10
Total Income	2,047.80	7,683.22	17,398.46	1,263.79	17,082.25
Interest Expense	1,385.97	5,167.20	12,891.04	730.51	9,725.53
PBT & Exceptional Items	618.70	1,734.39	3,391.75	249.53	5,603.98
Operating Expenses	106.67	750.26	1,103.75	278.46	1,709.99
Exceptional Income/Expenses	0.00	--	--	-13.86	--
Profit before Tax	613.25	1,734.39	3,391.75	235.67	5,603.98
Taxes	165.52	542.87	957.38	73.30	1,546.19
Profit after Tax	447.73	1,191.52	2,434.37	162.37	4,057.79
Minority Interest	0.00	--	2.19	--	--
Share of Associate	0.00	--	-0.10	--	32.74
Consolidated Profit	0.00	1,191.52	2,433.35	162.37	4,090.53

	Gruh Finance [Merged]	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
Shareholder's Funds	1,891.44	7,543.90	16,330.82	859.92	16,482.12
Minority Interest	0.00	--	2.19	--	--
Non-Current Liabilities	49.74	56,391.21	1,48,043.62	8,234.14	90,225.79
Current Liabilities	16,724.79	19,872.89	35,769.08	368.26	23,281.63
Total Liabilities	19,579.34	83,868.99	2,00,707.42	9,462.32	1,30,103.92

	Gruh Finance [Merged]	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
Non-Current Assets	52.75	78,707.97	1,94,710.06	8,102.24	95,639.10
Current Assets	18,580.36	4,968.92	5,435.65	1,354.18	34,350.44
Total Assets	19,579.34	83,868.99	2,00,707.42	9,462.32	1,30,103.92
Contingent Liabilities	9.92	101.75	0.91	1.36	152.68

	Gruh Finance [Merged]	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
Cash From Operating Activities	-1,432.15	-16,617.08	-21,538.47	-2,557.47	21,206.01
Cash Flow from Investing Activities	49.11	-53.97	-1,642.33	-48.55	-4,220.47
Cash from Financing Activities	2,418.41	17,888.06	24,068.29	3,360.31	-7,335.10
Net Cash Inflow / Outflow	1,035.37	1,217.01	887.49	754.29	9,650.44

	Gruh Finance [Merged]	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
ROCE (%)	12.37	9.88	9.40	11.89	12.38
ROE (%)	25.20	16.99	15.89	20.59	26.54
ROA (%)	2.59	1.62	1.31	1.88	3.10
EBIT Margin (%)	94.69	102.06	94.39	77.97	90.16
Net Margin (%)	21.21	17.53	14.10	12.85	23.75
Cash Profit Margin (%)	0.00	15.92	14.06	13.27	24.05

	Gruh Finance [Merged]	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
Revenue Growth (%)	21.06	39.91	16.94	55.06	14.04
EBIT Growth (%)	24.66	44.56	16.93	57.02	18.94
Net Profit Growth (%)	6.12	41.65	21.22	41.55	4.76
EPS Growth (%)	5.84	40.91	20.84	41.55	4.80
Book Value Growth (%)	21.94	14.49	14.11	19.60	14.40

	Gruh Finance [Merged]	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
Price / Earnings	45.28	10.07	11.06	0.00	8.96
Price / Book Value	10.77	1.94	1.65	0.00	2.25
Dividend Yield (%)	0.72	1.04	1.42	--	4.67
EV/EBITDA	17.78	11.87	11.94	7.37	8.31
Market Cap (₹ Cr)	20,250.12	14,497.88	26,920.55	0.00	36,636.73

	Gruh Finance [Merged]	PNB Housing Fin	LIC Housing Fin.	Aadhar Housing Fin	Sammaan Capital
Debt to Equity	0.00	9.60	10.45	9.65	6.48
Short term debt to equity ratio	5.54	2.09	1.44	0.11	0.97
Current Ratio	1.11	0.25	0.15	3.68	1.48
Quick Ratio	1.11	0.28	0.19	7.07	1.72
Interest Coverage	1.44	1.34	1.26	1.32	1.58

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