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Housing Development Finance Corporation Ltd

Updated on September 12, 2019

Stock/Share Code - HDFC

HDFC is providing finance to individuals, corporates and developers for the purchase, construction, development and repair of houses, apartments and commercial properties in India.(Source : 201903 Annual Report Page No: 241)

Below is the details of HDFC Housing Development Finance Corporation Ltd

Market Cap₹373,853 Cr.
Current Price ₹1,988.3 as on 18 Sep 19
52 Week High / Low Price₹2,357.85 / ₹1,644.5
Face Value₹2
Stock P/E35.12
Book Value₹448.27
Dividend Yield0.97 %
ROCE9.90 %
ROE13.51 %
Sales Growth (3yrs)11.94 %
SectorFinance
IndustryFinance - Housing
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company has been maintaining a healthy dividend payout of 35.51%
Cons: Stock is trading at 4.83 times its book value Company has low interest coverage ratio.

Housing Development Finance Corporation Ltd Price Chart

Housing Development Finance Corporation Ltd Price Chart

Housing Development Finance Corporation 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 ₹153.55 35.12 ₹373,852.91 Cr. 0.97 ₹3,203.1 Cr. 46.26 30.59 12990.29 9.90
2. H D F C ₹153.55 23.03 ₹373,852.91 Cr. 0.97 ₹3,094.38 Cr. 5.17 17.65 23124.73 11.14
3. LIC Housing Fin. ₹390 10.66 ₹21,467.81 Cr. 1.79 ₹608.97 Cr. 7.34 18.35 4815.57 9.62
4. Indiabulls Hous. ₹419.25 5.07 ₹19,469.59 Cr. 8.78 ₹801.53 Cr. -24.01 -4.56 3884.99 12.38
5. GRUH Finance ₹245.05 42.31 ₹18,945.1 Cr. 0.77 ₹115.64 Cr. 0.46 18.19 532.96 11.30
6. AAVAS Financiers ₹1,471.75 66.21 ₹11,653.73 Cr. 0.00 ₹45.36 Cr. 50.80 34.27 197.52 10.87
7. PNB Housing ₹614.85 8.92 ₹10,833.17 Cr. 1.39 ₹368.25 Cr. 56.67 42.44 2301.57 9.66
8. H U D C O ₹153.55 6.17 ₹7,276.91 Cr. 22.70 ₹335.62 Cr. 0.68 12.42 1806.49 8.43

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Housing Development Finance Corporation 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
Revenue8,0918,1378,5028,2799,00314,0769,3179,94711,23910,57511,58012,990
Interest5,2465,2865,2385,7545,8455,9435,9566,3537,0457,2597,1827,739
Expenses2863173255014352,2827525167104287001,242
Employee Cost %1.15%1.27%1.01%2.51%4.3%2.82%4.08%3.26%1.13%1.34%1.06%1.2%
Financing Profit2,5602,5342,9392,0232,7235,8522,6093,0783,4852,8883,6984,009
Financing Margin %32%31%35%24%30%42%28%31%31%27%32%31%
Other Income121112114125517776
Depreciation141414121213121313271329
Profit before tax2,5582,5312,9382,0222,7155,8512,6023,0703,4892,8693,6913,985
Tax %29%33%30%30%27%9%13%29%29%26%22%20%
Net Profit1,8261,7012,0441,4241,9785,3002,2572,1902,4672,1142,8623,203
EPS in Rs11.5410.6012.158.9612.4233.0612.8712.9614.6012.2916.6818.60
Gross NPA %0.76%0.81%0.31%0.75%1.14%1.15%1.11%1.18%1.13%1.22%1.18%1.29%
Net NPA %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%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
Revenue8,17610,99511,33812,85317,33321,11224,14327,40130,90533,11340,68943,34846,385
Interest5,1857,4327,0637,56011,15713,89116,02917,97519,37520,89623,49827,83829,224
Expenses2993493644325116606968421,4201,4813,9712,3553,081
Manufacturing Cost %0.17%0.15%0.14%0.15%0.12%0.24%0.24%0.24%0.24%0.24%0.36%0.38%%
Employee Cost %1.33%1.16%1.16%1.31%1.14%1.17%1.16%1.2%1.13%1.17%3.37%1.65%%
Other Cost %2.16%1.86%1.9%1.9%1.69%1.72%1.48%1.64%3.23%3.06%6.03%3.39%%
Financing Profit2,6923,2143,9124,8615,6656,5617,4188,58410,11110,73613,22113,15514,079
Financing Margin %33%29%34%38%33%31%31%31%33%32%32%30%30%
Other Income698232325223555705147183037
Depreciation17171819212432305456496783
Profit before tax3,3743,2193,9164,8675,6666,5737,4408,62410,10810,72713,19013,11914,034
Tax %28%29%28%27%27%26%27%31%30%31%17%27%
Net Profit2,4362,2832,8263,5354,1234,8485,4405,9907,0937,44310,9599,63210,646
EPS in Rs16.3115.0618.4922.6426.1329.2332.4835.3241.9846.8565.3955.9662.17
Dividend Payout %29%37%37%37%39%40%40%39%38%38%31%38%

Compounded Sales Growth

  • 10 Years:: 14.70%
  • 5 Years:: 12.42%
  • 3 Years:: 11.94%
  • TTM:: 9.54%

Compounded Profit Growth

  • 10 Years:: 15.49%
  • 5 Years:: 12.10%
  • 3 Years:: 10.74%
  • TTM:: -9.21%

Return on Equity

  • 10 Years:: 19.37%
  • 5 Years:: 18.48%
  • 3 Years:: 17.46%
  • Last Year:: 13.51%

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 Capital284284287293295309312315316318335344
Equity Capital284.03284.45287.11293.37295.39309.27312.1314.94315.97317.73335.18344.29
Reserves11,66312,85314,91117,02318,72224,52127,64330,65533,75439,27764,93077,011
Borrowings69,15183,85696,565115,112139,128158,828183,973208,599237,763279,732319,716365,266
Other Liabilities3,3764,7154,9286,8639,42411,75213,58215,16818,06319,15414,69717,263
Trade Payables85.38659.23227.8775.76178.7226.8981.8287.8122.92147.71207.59190.17
Total Liabilities84,474101,709116,691139,292167,569195,411225,511254,737289,896338,480399,677459,884
Fixed Assets2082032222342342382806776651,0001,040973
Gross Block488.57493.85524.45547.54555.58576.41637.931038.481064.71440.41082.771070.65
Accumulated Depreciation277.91290.44302.34313.59321.63338.47357.45361.52400.17440.7643.1498
CWIP000000000000
Investments6,91510,46910,72711,83212,20713,61313,91314,29415,34520,05330,71746,240
Other Assets77,35191,037105,742127,226155,128181,559211,317239,766273,886317,428367,921412,671
Trade receivables2.0127.770.731.2760.211.3284.5246.18144.66109.48103.45186.86
Cash Equivalents777.731718.545224.156130.035472.855751.147715.523364.655320.676318.81485.071596.26
Loans n Advances3243.154092.242549.9818970.321040.921702.0224216.9629346.8332034.0538175.118664.269985.46
Other Assets etc73327.7885198.1197966.99102123.96128554.47154104.9179300.48207008.26236386.8272824.45357668.02400902.65
Total Assets84,474101,709116,691139,292167,569195,411225,511254,737289,896338,480399,677459,884

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 Activity1,894-8,750-9,733-17,212-23,755-19,840-21,469-25,469-27,405-36,119-55,904-40,096
Profit from operations2553.553374.963555.524396.72-963.25-1261.72-778.38-470.51-499.99-695.88-1085.4-764.77
Working Capital Changes291.45383.1-28.79122.8-2341.924040.3179.61-27.36-2246.96-779.2-5534.14-5965.79
Taxes paid-951.17-12507.7-13259.38-21731.12-20450-22618.41-20770.12-24971.36-24657.64-34644.14-49284.41-33365.16
Cash from Investing Activity-2,380-3,415112-527180-867152199853-1,398-3,587-9,952
Fixed Assets Purchased-15.74-12.37-34.83-29.66-18.91-25.84-79.76-451.77-37.38-27.97-43.47-47.54
Fixed Assets Sold6.773.221.074.51.480.9128.5556.833.160.620.680.89
Investments purchased-59871.9-88129.69-143850.24-160358.26-191570.04-229820.08-442034.42-310639.6-348618.35-3741.97-4650.6-2074.95
Investments sold57594.5985139.75144282.67160137.64192046.07229060.78442304.64311291.19347739.551675.441298.78860.79
Cash from Financing Activity-10913,08213,14918,64422,69521,53123,62822,39226,30139,08856,50649,176
Proceeds from Shares4719.9351.5326.86883.85307.093832.97629.25684.29346.33682.3914045.696299.85
Proceeds from Borrowings12093.9613853.0113515.4518994.323919.9819574.7163502.31066009.9170965.3700
Repayment of Borrowings-16506.2300000-42816.75-50866.15-45379.01-131656.1700
Dividends Paid-556.61-710.6-853.68-1047.42-1321.85-1635.57-1939.91-2502.57-2050.29-3159.71-2957.6-3407.56
Net Cash Flow-5969183,529905-8808252,311-2,878-2501,571-2,985-871

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Ratios

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
ROE %23%18%20%22%23%22%21%20%22%20%21%14%

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