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Housing Development Finance Corporation Ltd

Updated on March 26, 2020

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 Cr.
Current Price ₹2,295.15 as on 10 Dec 19
52 Week High / Low Price /
Face Value
Stock P/E
Book Value
Dividend Yield %
ROCE %
ROE %
Sales Growth (3yrs) %
SectorFinance
IndustryFinance - Housing
Pros: Company is expected to give good quarter Company has been maintaining a healthy dividend payout of 35.51%
Cons: Stock is trading at 4.61 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 ₹144.7 20.47 ₹376,676.21 Cr. 0.96 ₹8,372.49 Cr. 296.09 91.82 20285.47 9.90
2. LIC Housing Fin. ₹425 6.04 ₹16,161.42 Cr. 2.37 ₹602.22 Cr. -0.66 12.09 5005.36 9.10
3. AAVAS Financiers ₹1,795.85 60.40 ₹14,715.65 Cr. 0.00 ₹67.92 Cr. 20.64 22.89 239.37 10.87
4. Indiabulls Hous. ₹269.7 3.90 ₹11,965.66 Cr. 14.29 ₹551.7 Cr. -44.02 -24.67 3369.16 12.38
5. Can Fin Homes ₹406.7 18.90 ₹6,658.37 Cr. 0.40 ₹106.61 Cr. 40.61 16.52 516.55 9.67
6. PNB Housing ₹429.55 4.60 ₹6,053.05 Cr. 2.49 ₹235.09 Cr. -11.93 3.50 2069.55 9.66
7. H U D C O ₹144.7 3.96 ₹5,955.65 Cr. 2.77 ₹205.89 Cr. -37.25 36.79 1793.54 8.43
8. Repco Home Fin ₹406.7 6.26 ₹1,777.99 Cr. 0.88 ₹69.7 Cr. 25.27 11.94 340.02 10.66

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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

Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019
Revenue8,5028,2799,00314,0769,3179,94711,24610,57511,58012,99013,48720,285
Interest5,2385,7545,8455,9435,9566,3537,0457,2597,1827,7397,8317,770
Expenses -3255014352,2827525167104287001,2421,1003,337
Employee Cost %1.01%2.51%4.3%2.82%4.08%3.26%1.13%1.34%1.06%1.2%1.07%0.75%
Financing Profit2,9392,0232,7235,8522,6093,0783,4912,8883,6984,0094,5579,179
Financing Margin %35%24%30%42%28%31%31%27%32%31%34%45%
Other Income1211412551177676
Depreciation141212131213132713293342
Profit before tax2,9382,0222,7155,8512,6023,0703,4892,8693,6913,9854,5309,143
Tax %30%30%27%9%13%29%29%26%22%20%13%8%
Net Profit2,0441,4241,9785,3002,2572,1902,4672,1142,8623,2033,9628,372
EPS in Rs12.158.9612.4233.0612.8712.9614.6012.2916.6818.6022.9448.51
Gross NPA %0.31%0.75%1.14%1.15%1.11%1.18%1.13%1.22%1.18%1.29%1.33%1.36%
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
Revenue8,17610,99511,33812,85317,33321,11224,14327,40130,90533,11340,68943,34858,343
Interest5,1857,4327,0637,56011,15713,89116,02917,97519,37520,89623,49827,83830,521
Expenses -2993493644325116606968421,4201,4813,9712,3556,380
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 %1.45%1.27%1.3%1.33%1.15%1.18%1.17%1.21%1.14%1.19%3.38%1.66%%
Other Cost %2.04%1.76%1.76%1.89%1.68%1.71%1.47%1.62%3.21%3.04%6.02%3.38%%
Financing Profit2,6923,2143,9124,8615,6656,5617,4188,58410,11110,73613,22113,15521,442
Financing Margin %33%29%34%38%33%31%31%31%33%32%32%30%37%
Other Income698232325223555705147183025
Depreciation171718192124323054564967118
Profit before tax3,3743,2193,9164,8675,6666,5737,4408,62410,10810,72713,19013,11921,349
Tax %28%29%28%27%27%26%27%31%30%31%17%27%
Net Profit2,4362,2832,8263,5354,1234,8485,4405,9907,0937,44310,9599,63218,399
EPS in Rs16.3115.0618.4922.6426.1329.2332.4835.3241.9846.8565.3955.96106.73
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:: 42.01%

Compounded Profit Growth

  • 10 Years:: 15.49%
  • 5 Years:: 12.10%
  • 3 Years:: 10.74%
  • TTM:: 103.81%

Return on Equity

  • 10 Years:: 15.44%
  • 5 Years:: 9.73%
  • 3 Years:: 16.64%
  • 1 Year:: 17.01%

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 2019Sep 2019
Share Capital -284284287293295309312315316318335344345
Equity Capital284.03284.45287.11293.37295.39309.27312.1314.94315.97317.73335.18344.29
Reserves11,66312,85314,91117,02318,72224,52127,64330,65533,75439,27764,87977,01181,360
Borrowings69,15183,85696,565115,112139,128158,828183,973208,599237,763279,732319,716365,266388,976
Other Liabilities -3,3764,7154,9286,8639,42411,75213,58215,16818,06319,15414,74717,26320,150
Trade Payables85.38659.23227.8775.76178.7226.8981.8287.8122.92147.71207.59190.17319.06
Total Liabilities84,474101,709116,691139,292167,569195,411225,511254,737289,896338,480399,677459,884490,831
Fixed Assets -2082032222342342382806776651,0001,0409731,253
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
CWIP0000000000000
Investments6,91510,46910,72711,83212,20713,61313,91314,29415,34520,05330,71746,24058,024
Other Assets -77,35191,037105,742127,226155,128181,559211,317239,766273,886317,428367,921412,671431,555
Trade receivables2.0127.770.731.2760.211.3284.5246.18144.66109.48103.45186.86138.52
Cash Equivalents777.731718.545224.156130.035472.855751.147715.523364.655320.676318.81485.071596.261481.44
Loans n Advances3243.154092.242549.9818970.321040.921702.0224216.9629346.8332034.0538175.118664.269985.46419632.91
Other Assets etc73327.7885198.1197966.99102123.96128554.47154104.9179300.48207008.26236386.8272824.45357668.02400902.6510301.78
Total Assets84,474101,709116,691139,292167,569195,411225,511254,737289,896338,480399,677459,884490,831

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 Activity -1,894-8,750-9,733-17,212-23,755-19,840-21,469-25,469-27,405-36,119-55,904-40,096
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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