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GRUH Finance Ltd

Updated on October 13, 2019

Stock/Share Code - GRUH

GRUH Finance's principal business is to provide loans for purchase or construction of residential houses. The business is conducted through its branches in India and is supported by a network of Referral Associates for sourcing loans as well as deposits.(Source : 201903 Annual Report Page No: 86)

Below is the details of GRUH GRUH Finance Ltd

Market Cap₹18,945 Cr.
Current Price ₹317.7 as on 15 Oct 19
52 Week High / Low Price₹349.55 / ₹204.6
Face Value₹2
Stock P/E42.31
Book Value₹25.77
Dividend Yield0.77 %
ROCE11.30 %
ROE25.95 %
Sales Growth (3yrs)16.69 %
SectorFinance
IndustryFinance - Housing
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company has good consistent profit growth of 20.42% over 5 years Company has a good return on equity (ROE) track record: 3 Years ROE 28.44% Company has been maintaining a healthy dividend payout of 27.40%
Cons: Stock is trading at 10.02 times its book value Company has low interest coverage ratio. Promoter's stake has decreased

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 ₹194.9 23.03 ₹373,852.91 Cr. 0.97 ₹3,094.38 Cr. 5.17 17.65 23124.73 11.14
2. LIC Housing Fin. ₹385 10.66 ₹21,467.81 Cr. 1.79 ₹608.97 Cr. 7.34 18.35 4815.57 9.62
3. Indiabulls Hous. ₹231.2 5.07 ₹19,469.59 Cr. 8.78 ₹801.53 Cr. -24.01 -4.56 3884.99 12.38
4. GRUH Finance 42.31 ₹18,945.1 Cr. 0.77 ₹115.64 Cr. 0.46 18.19 532.96 11.30
5. AAVAS Financiers ₹1,675.85 66.21 ₹11,653.73 Cr. 0.00 ₹45.36 Cr. 50.80 34.27 197.52 10.87
6. PNB Housing ₹479.8 8.92 ₹10,833.17 Cr. 1.39 ₹368.25 Cr. 56.67 42.44 2301.57 9.66
7. H U D C O ₹194.9 6.17 ₹7,276.91 Cr. 22.70 ₹335.62 Cr. 0.68 12.42 1806.49 8.43

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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

Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019
Revenue367381416404416433444451481538558533
Interest235230231237242252253263290373374349
Expenses3654253753502314430427
Employee Cost %4.75%2.99%2.41%3.2%4.96%2.98%2.49%3.32%4.34%3%2.29%2.68%
Financing Profit9797161130121130189157147136179157
Financing Margin %26%26%39%32%29%30%43%35%31%25%32%29%
Other Income000000000000
Depreciation111111111113
Profit before tax9697160130120130188156146135178154
Tax %35%34%31%26%27%30%32%26%28%28%27%25%
Net Profit626411096889112811510597130116
EPS in Rs0.850.881.511.311.070.620.881.571.441.321.771.58
Gross NPA %0.62%0.54%0.31%0.64%0.67%0.73%0.45%0.00%0.88%0.87%0.66%0.00%
Net NPA %0.29%0.00%0.00%0.16%0.07%0.00%0.00%0.00%0.00%0.50%0.00%0.00%
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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019TTM
Revenue2032943083605086488461,0601,2751,4871,6942,0272,110
Interest1222011802013104045446788079209851,3011,386
Expenses2124333339475680103123139107106
Manufacturing Cost %0.42%0.22%0.31%0.31%0.24%0.48%0.41%0.38%0.38%0.38%0.35%0.36%%
Employee Cost %3.6%3.43%3.75%4.37%3.87%3.73%3.75%3.32%3.36%3.27%3.4%3.2%%
Other Cost %6.54%4.35%6.63%4.48%3.56%3.08%2.41%3.89%4.36%4.62%4.44%1.73%%
Financing Profit596995126159197246302365445570618618
Financing Margin %29%24%31%35%31%30%29%28%29%30%34%31%29%
Other Income1111620000000
Depreciation1112222133335
Profit before tax597094126163197244301362442567615613
Tax %29%28%27%27%26%26%28%32%33%33%29%27%
Net Profit42506992120146177204244297403447448
EPS in Rs0.580.690.941.211.611.942.332.603.124.075.516.106.11
Dividend Payout %33%33%33%42%34%31%31%36%34%34%15%33%

Compounded Sales Growth

  • 10 Years:: 21.29%
  • 5 Years:: 19.10%
  • 3 Years:: 16.69%
  • TTM:: 20.96%

Compounded Profit Growth

  • 10 Years:: 24.43%
  • 5 Years:: 20.42%
  • 3 Years:: 22.45%
  • TTM:: 6.12%

Return on Equity

  • 10 Years:: 29.94%
  • 5 Years:: 29.17%
  • 3 Years:: 28.44%
  • Last Year:: 25.95%

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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Share Capital3535353535363673737373147
Equity Capital34.6534.6534.7335.1635.335.736.0372.6872.7472.9173.14146.74
Reserves1561862302833504555716397631,0401,4821,745
Borrowings1,7732,2452,3232,9623,8294,9116,4808,20710,25912,05513,96916,507
Other Liabilities637281111123200159285377449261267
Trade Payables0.910.720.861.771.180.750.80.921.182.192.872.83
Total Liabilities2,0262,5382,6693,3914,3385,6027,2459,20411,47113,61815,78518,666
Fixed Assets9910121212111415141515
Gross Block18.9319.7720.1124.423.4725.1426.1229.7433.3935.2618.5121.63
Accumulated Depreciation10.2610.6410.612.1811.8313.3615.0916.0118.8321.563.096.49
CWIP000000000000
Investments1713333524655380143158158148
Other Assets2,0012,5162,6263,3444,3025,5257,1819,11011,31313,44615,61218,503
Cash Equivalents159.55374.88135.6123.69169.4822.1283.1774.0757.5638.6576.851138.12
Loans n Advances71.4649.5737.03241.32315.74460.73491.83604.29689.93906.8780.8671.44
Other Assets etc1769.612091.432453.72979.333816.745042.386606.448432.1310565.6812500.6815454.117293
Total Assets2,0262,5382,6693,3914,3385,6027,2459,20411,47113,61815,78518,666

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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Cash from Operating Activity42-5416-661-801-1,146-1,487-1,716-1,919-1,711-1,894-1,432
Profit from operations65.1975.39105.95131.35168.81204.03248.4323.91393.93-61.13-50.62-62.83
Working Capital Changes-2.47-273.39294.31-32.48-29.2771.95-97.36-52.59-1.3527.7438.9933.27
Taxes paid-20.59-342.64-393.85-759.86-940.36-1421.64-1637.84-1987.72-2311.31-1677.37-1882.03-1402.59
Cash from Investing Activity-1-1-2-4-2-2-1-4-43549
Fixed Assets Purchased-1.45-1.61-2.12-4.7-2.12-2.31-2.12-4.31-4.54-2.02-4.81-3.13
Fixed Assets Sold0.160.210.390.30.120.031.040.040.110.0200.01
Capital WIP000-0.100000000
Investments purchased000000000-2733-5139.73-5669
Investments sold0000000002738.415149.465721.23
Cash from Financing Activity34456606248241,0461,4901,7131,9421,6921,8952,418
Proceeds from Shares00.021.176.72.3912.310.5210.011.0122.573129.25
Proceeds from Borrowings441.47472.1177.97643.34934.261245.81752.81763.262980.5412121.3200
Repayment of Borrowings-395.26000-67.18-163.58-0.730-949.29-10350.9700
Dividends Paid-10.32-13.78-16.53-22.56-38.57-40.61-44.72-53.89-72.42-83.43-101.89-120.47
Net Cash Flow75-8664-4221-1023-719-1561,035

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Ratios

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
ROE %24%24%28%31%34%33%32%31%31%30%30%26%

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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.