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Housing Development Finance Corporation Ltd

Updated on October 16, 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₹328,545 Cr.
Current Price ₹2,048.75 as on 21 Oct 20
52 Week High / Low Price₹2,499.9 / ₹1,473.1
Face Value₹2
Stock P/E18.65
Book Value₹480.58
Dividend Yield1.15 %
ROCE10.82 %
ROE21.73 %
Sales Growth (3yrs)21.05 %
SectorFinance
IndustryFinance - Housing
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company is expected to give good quarter Company has delivered good profit growth of 24.29% CAGR over last 5 years Company has been maintaining a healthy dividend payout of 29.53%
Cons: Stock is trading at 3.81 times its book value Company has low interest coverage ratio. Tax rate seems low

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 ₹87.05 18.65 ₹328,545.08 Cr. 1.15 ₹3,051.52 Cr. -4.73 0.21 13017.68 10.82
2. LIC Housing Fin. ₹298.8 5.81 ₹15,205.5 Cr. 2.67 ₹824 Cr. 35.34 4.07 5011.50 8.98
3. AAVAS Financiers ₹1,482.3 43.32 ₹10,988.12 Cr. 0.00 ₹49.97 Cr. 10.16 18.22 233.51 10.17
4. Indiabulls Hous. ₹151.6 5.33 ₹8,902.09 Cr. 14.90 ₹272.84 Cr. -65.96 -33.73 2574.59 10.19
5. H U D C O ₹87.05 4.12 ₹7,036.68 Cr. 2.13 ₹440.91 Cr. 86.60 28.05 1888.49 9.71
6. Can Fin Homes ₹468.5 12.73 ₹4,942.68 Cr. 0.54 ₹93.16 Cr. 15.04 7.93 522.40 9.41
7. PNB Housing ₹369.15 8.37 ₹4,799.21 Cr. 3.14 ₹259.61 Cr. -29.50 -18.91 1866.35 8.65
8. Repco Home Fin ₹468.5 3.72 ₹1,108.27 Cr. 1.41 ₹55.9 Cr. 2.68 12.31 345.60 10.41

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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 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020
Revenue9,00314,0769,3179,94711,24610,57511,58012,99013,48720,28511,97613,018
Interest5,8455,9435,9566,3537,0457,2597,1827,7397,8317,7707,6627,817
Expenses -4352,2827525167104287001,2421,1003,3371,5841,561
Employee Cost %4.30%2.82%4.08%3.26%1.13%1.34%1.06%1.20%1.07%0.75%1.17%1.23%
Financing Profit2,7235,8522,6093,0783,4912,8883,6984,0094,5579,1792,7303,640
Financing Margin %30%42%28%31%31%27%32%31%34%45%23%28%
Other Income41255117767662
Depreciation121312131327132933424335
Profit before tax2,7155,8512,6023,0703,4892,8693,6913,9854,5309,1432,6923,607
Tax %27%9%13%29%29%26%22%20%13%8%17%15%
Net Profit1,9785,3002,2572,1902,4672,1142,8623,2033,9628,3722,2333,052
EPS in Rs12.4233.0612.8712.9614.6012.2916.6818.6022.9448.5112.8617.62
Gross NPA %1.14%1.15%1.11%1.18%1.13%1.22%1.18%1.29%1.33%1.36%1.99%1.87%
Net NPA %
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 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020TTM
Revenue10,99511,33812,85317,33321,11224,14327,40130,90533,11340,68943,34858,73958,766
Interest7,4327,0637,56011,15713,89116,02917,97519,37520,89623,49827,83831,00131,079
Expenses -3493644325116606968421,4201,4813,9712,3557,2637,582
Manufacturing Cost %0.15%0.14%0.15%0.12%0.24%0.24%0.24%0.24%0.24%0.36%0.25%0.21%
Employee Cost %1.27%1.30%1.33%1.15%1.18%1.17%1.21%1.14%1.19%3.38%1.66%1.02%
Other Cost %1.76%1.76%1.89%1.68%1.71%1.47%1.62%3.21%3.04%6.02%3.52%11.13%
Financing Profit3,2143,9124,8615,6656,5617,4188,58410,11110,73613,22113,15520,47420,106
Financing Margin %29%34%38%33%31%31%31%33%32%32%30%35%34%
Other Income23232522355570514718302420
Depreciation1718192124323054564967148153
Profit before tax3,2193,9164,8675,6666,5737,4408,62410,10810,72713,19013,11920,35119,973
Tax %29%28%27%27%26%27%31%30%31%17%27%13%
Net Profit2,2832,8263,5354,1234,8485,4405,9907,0937,44310,9599,63217,77017,618
EPS in Rs15.0618.4922.6426.1329.2332.4835.3241.9846.8565.3955.96102.59101.93
Dividend Payout %37%37%37%39%40%40%39%38%38%31%38%20%

Compounded Sales Growth

  • 10 Years:: 17.88%
  • 5 Years:: 16.47%
  • 3 Years:: 21.05%
  • TTM:: 26.68%

Compounded Profit Growth

  • 10 Years:: 20.18%
  • 5 Years:: 24.29%
  • 3 Years:: 33.65%
  • TTM:: 65.50%

Return on Equity

  • 10 Years:: 11.25%
  • 5 Years:: 9.35%
  • 3 Years:: 1.37%
  • 1 Year:: -15.41%

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 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Share Capital -284287293295309312315316318335344346
Equity Capital284287293295309312315316318335344346
Reserves12,85314,91117,02318,72224,52127,64330,65533,75439,27764,87977,01185,812
Borrowings83,85696,565115,112139,128158,828183,973208,599237,763279,732319,716366,214419,102
Other Liabilities -4,6634,8786,8149,37511,70313,50414,38317,04417,98013,97915,20818,834
Trade Payables65922876179278288123148208190197
Advance from Customers821430000000000
Other liability items3,9224,5086,7389,19611,67613,42214,29516,92117,83213,77215,01818,637
Total Liabilities101,657116,641139,242167,520195,361225,432253,952288,877337,306398,910458,778524,094
Fixed Assets -2032222342342382806776651,0001,0409732,239
Gross Block4945245485565766381,0381,0651,4401,0831,0712,471
Accumulated Depreciation2903023143223383573624004414398232
CWIP000000000000
Investments10,46910,72711,83212,20713,61313,91314,29415,34520,05330,71746,24064,944
Other Assets -90,985105,692127,176155,079181,510211,239238,980272,867316,254367,153411,565456,910
Trade receivables28116018546145109103187230
Cash Equivalents1,7195,2246,1305,4735,7517,7163,3655,3216,3191,4851,5963,426
Loans n Advances4,0922,55018,97021,04121,70224,21729,34732,03438,1758,6649,02213,311
Other asset items85,14697,917102,074128,505154,055179,222206,223235,367271,650356,900400,760439,943
Total Assets101,657116,641139,242167,520195,361225,432253,952288,877337,306398,910458,778524,094

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 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Cash from Operating Activity --8,750-9,733-17,212-23,755-19,840-21,469-25,469-27,405-36,119-55,904-41,166-43,828
Profit from operations3,3753,5564,397-963-1,262-778-471-500-696-1,085917600
Payables665550080000000
Operating investments00000000-2,555-7,19500
Other WC items-282-84123-2,3424,03280-27-2,2471,7761,661-2,409-1,549
Working capital changes383-29123-2,3424,04080-27-2,247-779-5,534-2,409-1,549
Interest paid0006,2097,7977,5377,7138,88711,37811,23412,14912,941
Direct taxes-9780-1,432-2,002-2,197-2,520-2,708-2,946-3,516-3,377-2,313-2,962
Advance tax0-1,1010000000000
Other operating items-11,530-12,158-20,299-24,657-28,218-25,788-29,976-30,599-42,506-57,142-49,509-52,859
Cash from Investing Activity --3,415112-527180-867152199853-1,398-3,587-9,952-5,854
Fixed assets purchased-12-35-30-19-26-80-452-37-28-43-48-78
Fixed assets sold31411295731111
Investments purchased-88,130-143,850-160,358-191,570-229,820-442,034-310,640-348,618-3,742-4,651-2,075-5,851
Investments sold85,140144,283160,138192,046229,061442,305311,291347,7401,6751,299861678
Invest in subsidiaries-416-286-282-287-87-75-60-22-417-192-121-2,157
Investment in group cos0000000000-8,570-87
Shares acq cancelled00000001,7851,120001,639
Other investing items00184834-7000
Cash from Financing Activity -13,08213,14918,64422,69521,53123,62822,39226,30139,08856,50650,24652,463
Proceeds from shares523278843073,83362968434668214,0466,3001,283
Proceeds from borrowings13,85313,51518,99423,92019,57563,502066,010170,9650197,408156,899
Repayment of borrowings00000-42,817-50,866-45,379-131,6560-150,730-104,019
Proceeds from deposits000004,568000000
Dividends paid-711-854-1,047-1,322-1,636-1,940-2,503-2,050-3,160-2,958-3,408-3,022
Shelter assistance reserve0-8-11000000000
Other financing items-112169-175-210-241-31575,0767,3742,25645,4176761,322
Net Cash Flow9183,529905-8808252,311-2,878-2501,571-2,985-8712,781

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Ratios

Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
ROE %18%20%22%23%22%21%20%22%20%21%14%22%

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