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GRUH Finance Ltd

Updated on May 16, 2019

Stock/Share Code - GRUH

GRUH Finance Limited (GRUH) is a Housing Finance Company established in July 1986 and recognised by National Housing Bank (NHB).

Below is the details of GRUH GRUH Finance Ltd

Market Cap₹18,153 Cr.
Current Price ₹319.35 as on 22 May 19
52 Week High / Low Price₹381.95 / ₹204.6
Face Value₹2
Stock P/E40.52
Book Value₹22.66
Dividend Yield0.66 %
ROCE10.77 %
ROE29.08 %
Sales Growth (3yrs)16.75 %
SectorFinance
IndustryFinance - Housing
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company has a good return on equity (ROE) track record: 3 Years ROE 30.15% Company has been maintaining a healthy dividend payout of 34.01%
Cons: Stock is trading at 10.92 times its book value Company has low interest coverage ratio. Company might be capitalizing the interest cost

GRUH Finance Ltd Price Chart

GRUH Finance Ltd Price Chart

GRUH Finance Ltd Peer Comparison in Finance

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. H D F C ₹263.7 32.95 ₹316,742.15 Cr. 1.06 ₹2,113.8 Cr. -60.12 -25.01 10555.55 9.65
2. Indiabulls Hous. ₹784.55 6.81 ₹28,005.61 Cr. 6.24 ₹985.51 Cr. -13.73 23.89 4236.80 11.43
3. LIC Housing Fin. ₹527.95 10.54 ₹23,996.11 Cr. 1.43 ₹596.31 Cr. 25.51 22.42 4438.78 9.60
4. Dewan Hsg. Fin. ₹343.05 2.67 ₹3,998.1 Cr. 4.31 ₹313.6 Cr. -36.70 12.33 3250.94 9.78
5. H U D C O ₹263.7 6.93 ₹8,087.68 Cr. 1.36 ₹328.26 Cr. 26.90 21.88 1310.53 8.06
6. PNB Housing ₹795.2 16.12 ₹15,004.91 Cr. 1.00 ₹266.95 Cr. 16.34 41.20 1999.50 9.48
7. GRUH Finance 40.52 ₹18,153.48 Cr. 0.66 ₹96.95 Cr. 6.73 24.80 540.06 10.77

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GRUH Finance Ltd Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018
Revenue367346367381416404416433484452481540
Interest215224235230231237242252253263290373
Expenses263236542537535024324431
Employee Cost %2.26%2.81%4.75%2.99%2.41%3.2%4.96%2.98%2.11%3.31%4.34%2.99%
Financing Profit126909797161130121130207157147136
Financing Margin %34%26%26%26%39%32%29%30%43%35%31%25%
Other Income000000000000
Depreciation111111111111
Profit before tax125909697160130120130206156146135
Tax %30%33%35%34%31%26%27%30%37%26%28%28%
Net Profit8860626411096889113111510597
Gross NPA %0.32%0.56%0.62%0.54%0.31%0.64%0.67%0.73%0.45%0.00%0.88%0.00%
Net NPA %0.09%0.27%0.29%0.00%0.00%0.16%0.07%0.00%0.00%0.00%0.00%0.50%
NotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotes

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018TTM
Revenue1442032943083605086488461,0601,2751,4871,6871,957
Interest861222011802013104045446788079209821,180
Expenses222124333339475680103123140131
Manufacturing Cost %0.51%0.42%0.22%0.31%0.31%0.24%0.48%0.41%0.38%0.38%0.38%0.35%%
Employee Cost %3.58%3.6%3.43%3.75%4.37%3.87%3.73%3.75%3.32%3.36%3.27%3.23%%
Other Cost %11.13%6.54%4.35%6.63%4.48%3.56%3.08%2.41%3.89%4.36%4.62%4.69%%
Financing Profit36596995126159197246302365445565646
Financing Margin %25%29%24%31%35%31%30%29%28%29%30%34%33%
Other Income2111162000000
Depreciation1111222213333
Profit before tax37597094126163197244301362442562643
Tax %20%29%28%27%27%26%26%28%32%33%33%35%
Net Profit3042506992120146177204244297363448
EPS in Rs
Dividend Payout %35%33%33%33%42%34%31%31%36%34%34%33%

Compounded Sales Growth

  • 10 Years:: 23.61%
  • 5 Years:: 21.09%
  • 3 Years:: 16.75%
  • TTM:: 17.23%

Compounded Profit Growth

  • 10 Years:: 23.96%
  • 5 Years:: 19.98%
  • 3 Years:: 21.18%
  • TTM:: 16.35%

Return on Equity

  • 10 Years:: 30.70%
  • 5 Years:: 30.53%
  • 3 Years:: 30.15%
  • TTM:: 29.08%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Sep 2018
Share Capital353535353535363673737373146
Equity Capital34.6434.6534.6534.7335.1635.335.736.0372.6872.7472.9173.14
Reserves1301561862302833504555716397631,0401,3081,515
Borrowings1,3051,7732,2452,3232,9623,8294,9116,4808,20710,25912,05514,1287,600
Other Liabilities876372811111232001592853774494979,113
Trade Payables0.430.910.720.861.771.180.750.80.921.182.192.63.21
Total Liabilities1,5572,0262,5382,6693,3914,3385,6027,2459,20411,47113,61816,00618,374
Fixed Assets89910121212111415141515
Gross Block17.7518.9319.7720.1124.423.4725.1426.1229.7433.3935.2639.74
Accumulated Depreciation9.5410.2610.6410.612.1811.8313.3615.0916.0118.8321.5624.32
CWIP0000000000000
Investments171713333524655380143158153210
Other Assets1,5312,0012,5162,6263,3444,3025,5257,1819,11011,31313,44615,83818,149
Cash Equivalents82.93159.55374.88135.6123.69169.4822.1283.1774.0757.5638.6573.121458.96
Loans n Advances71.4671.4649.5737.03241.32315.74460.73491.83604.29689.93906.871073.0816533.86
Total Assets1,5572,0262,5382,6693,3914,3385,6027,2459,20411,47113,61816,00618,374

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
Cash from Operating Activity5242-5416-661-801-1,146-1,487-1,716-1,919-1,711-1,930
Profit from operations47.1465.1975.39105.95131.35168.81204.03248.4323.91393.93-61.13-59.43
Working Capital Changes15.05-2.47-273.39294.31-32.48-29.2771.95-97.36-52.59-1.3527.74-10.78
Taxes paid-10.03-20.59-342.64-393.85-759.86-940.36-1421.64-1637.84-1987.72-2311.31-1677.37-1859.36
Cash from Investing Activity-1-1-1-2-4-2-2-1-4-435
Fixed Assets Purchased-0.86-1.45-1.61-2.12-4.7-2.12-2.31-2.12-4.31-4.54-2.02-4.81
Fixed Assets Sold0.250.160.210.390.30.120.031.040.040.110.020
Capital WIP0000-0.10000000
Investments purchased0000000000-2733-5139.73
Investments sold00000000002738.415149.46
Cash from Financing Activity-3334456606248241,0461,4901,7131,9421,6921,931
Proceeds from Shares59.900.021.176.72.3912.310.5210.011.0122.5731
Proceeds from Borrowings225.15441.47472.1177.97643.34934.261245.81752.81763.262980.5412121.328734.06
Repayment of Borrowings-310.33-395.26000-67.18-163.58-0.730-949.29-10350.97-6710.95
Dividends Paid-6.57-10.32-13.78-16.53-22.56-38.57-40.61-44.72-53.89-72.42-83.43-101.89
Net Cash Flow1975-8664-4221-1023-719-157

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Ratios

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
ROE %24%24%24%28%31%34%33%32%31%31%30%29%

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate as per time to time filling by company to exchanges. However, no guarantees are made regarding correctness of data. Investors are advised to validate/check information with exchanges or companies website before making any investment decisions.