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Housing Development Finance Corporation Ltd

Updated on July 5, 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₹287,330 Cr.
Current Price ₹1,886 as on 10 Jul 20
52 Week High / Low Price₹2,499.9 / ₹1,473.1
Face Value₹2
Stock P/E16.17
Book Value₹497.43
Dividend Yield1.27 %
ROCE9.90 %
ROE13.51 %
Sales Growth (3yrs)11.94 %
SectorFinance
IndustryFinance - Housing
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company is expected to give good quarter Company has been maintaining a healthy dividend payout of 35.51%
Cons: Stock is trading at 3.33 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 ₹82.15 16.17 ₹287,329.97 Cr. 1.27 ₹2,232.53 Cr. -21.98 3.42 11975.72 9.90
2. LIC Housing Fin. ₹275.85 4.52 ₹12,088.89 Cr. 3.17 ₹602.22 Cr. -0.66 12.09 5005.36 9.10
3. AAVAS Financiers ₹1,314.05 32.24 ₹8,029.81 Cr. 0.00 ₹59.73 Cr. 9.94 14.74 234.42 10.87
4. Indiabulls Hous. ₹235.45 1.70 ₹5,222.82 Cr. 32.75 ₹551.7 Cr. -44.02 -24.67 3369.16 12.38
5. H U D C O ₹82.15 3.06 ₹4,594.36 Cr. 3.59 ₹205.89 Cr. -37.25 36.79 1793.54 8.43
6. Can Fin Homes ₹360.65 10.48 ₹3,691.7 Cr. 0.72 ₹106.61 Cr. 42.26 16.72 516.55 9.67
7. PNB Housing ₹210.05 2.25 ₹2,960.09 Cr. 5.11 ₹235.09 Cr. -11.93 3.50 2069.55 9.66
8. Repco Home Fin ₹360.65 2.03 ₹577.44 Cr. 2.71 ₹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

Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020
Revenue8,2799,00314,0769,3179,94711,24610,57511,58012,99013,48720,28511,976
Interest5,7545,8455,9435,9566,3537,0457,2597,1827,7397,8317,7707,662
Expenses -5014352,2827525167104287001,2421,1003,3371,584
Employee Cost %2.51%4.30%2.82%4.08%3.26%1.13%1.34%1.06%1.20%1.07%0.75%1.17%
Financing Profit2,0232,7235,8522,6093,0783,4912,8883,6984,0094,5579,1792,730
Financing Margin %24%30%42%28%31%31%27%32%31%34%45%23%
Other Income114125511776766
Depreciation121213121313271329334243
Profit before tax2,0222,7155,8512,6023,0703,4892,8693,6913,9854,5309,1432,692
Tax %30%27%9%13%29%29%26%22%20%13%8%17%
Net Profit1,4241,9785,3002,2572,1902,4672,1142,8623,2033,9628,3722,233
EPS in Rs8.9612.4233.0612.8712.9614.6012.2916.6818.6022.9448.5112.85
Gross NPA %0.75%1.14%1.15%1.11%1.18%1.13%1.22%1.18%1.29%1.33%1.36%1.99%
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
Revenue8,17610,99511,33812,85317,33321,11224,14327,40130,90533,11340,68943,34858,739
Interest5,1857,4327,0637,56011,15713,89116,02917,97519,37520,89623,49827,83831,001
Expenses -2993493644325116606968421,4201,4813,9712,3557,263
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%1.30%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 Profit2,6923,2143,9124,8615,6656,5617,4188,58410,11110,73613,22113,15520,474
Financing Margin %33%29%34%38%33%31%31%31%33%32%32%30%35%
Other Income698232325223555705147183024
Depreciation171718192124323054564967148
Profit before tax3,3743,2193,9164,8675,6666,5737,4408,62410,10810,72713,19013,11920,351
Tax %28%29%28%27%27%26%27%31%30%31%17%27%
Net Profit2,4362,2832,8263,5354,1234,8485,4405,9907,0937,44310,9599,63217,770
EPS in Rs16.3115.0618.4922.6426.1329.2332.4835.3241.9846.8565.3955.96102.90
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:: 35.51%

Compounded Profit Growth

  • 10 Years:: 15.49%
  • 5 Years:: 12.10%
  • 3 Years:: 10.74%
  • TTM:: 84.48%

Return on Equity

  • 10 Years:: 11.68%
  • 5 Years:: 6.64%
  • 3 Years:: 1.11%
  • 1 Year:: -24.00%

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 2019Mar 2020
Share Capital -284284287293295309312315316318335344346
Equity Capital284284287293295309312315316318335344346
Reserves11,66312,85314,91117,02318,72224,52127,64330,65533,75439,27764,87977,01185,812
Borrowings69,15183,85696,565115,112139,128158,828183,973208,599237,763279,732319,716365,266419,102
Other Liabilities -3,3224,6634,8786,8149,37511,70313,50414,38317,04417,98013,97916,15618,834
Trade Payables8565922876179278288123148208190197
Advance from Customers35882143000000000
Other liability items2,8793,9224,5086,7389,19611,67613,42214,29516,92117,83213,77215,96618,637
Total Liabilities84,421101,657116,641139,242167,520195,361225,432253,952288,877337,306398,910458,778524,094
Fixed Assets -2082032222342342382806776651,0001,0409732,239
Gross Block4894945245485565766381,0381,0651,4401,0831,071
Accumulated Depreciation2782903023143223383573624004414398
CWIP0000000000000
Investments6,91510,46910,72711,83212,20713,61313,91314,29415,34520,05330,71746,24064,944
Other Assets -77,29790,985105,692127,176155,079181,510211,239238,980272,867316,254367,153411,565456,910
Trade receivables228116018546145109103187230
Cash Equivalents7781,7195,2246,1305,4735,7517,7163,3655,3216,3191,4851,5963,426
Loans n Advances3,2434,0922,55018,97021,04121,70224,21729,34732,03438,1758,6649,985439,943
Other asset items73,27485,14697,917102,074128,505154,055179,222206,223235,367271,650356,900399,79613,311
Total Assets84,421101,657116,641139,242167,520195,361225,432253,952288,877337,306398,910458,778524,094

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 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 operations2,5543,3753,5564,397-963-1,262-778-471-500-696-1,085-765
Payables41666555008000000
Operating investments000000000-2,555-7,195-5,177
Interest paid00006,2097,7977,5377,7138,88711,37811,23412,149
Direct taxes-951-9780-1,432-2,002-2,197-2,520-2,708-2,946-3,516-3,377-2,313
Advance tax00-1,101000000000
Other operating items-125-11,812-12,242-20,177-26,999-24,186-25,708-30,004-32,846-40,730-55,481-43,990
Cash from Investing Activity --2,380-3,415112-527180-867152199853-1,398-3,587-9,952
Fixed assets purchased-16-12-35-30-19-26-80-452-37-28-43-48
Fixed assets sold73141129573111
Investments purchased-59,872-88,130-143,850-160,358-191,570-229,820-442,034-310,640-348,618-3,742-4,651-2,075
Investments sold57,59585,140144,283160,138192,046229,061442,305311,291347,7401,6751,299861
Invest in subsidiaries-582-416-286-282-287-87-75-60-22-417-192-121
Investment in group cos00000000000-8,570
Shares acq cancelled000000001,7851,12000
Other investing items48900184834-700
Cash from Financing Activity --10913,08213,14918,64422,69521,53123,62822,39226,30139,08856,50649,176
Proceeds from shares4,720523278843073,83362968434668214,0466,300
Proceeds from borrowings12,09413,85313,51518,99423,92019,57563,502066,010170,96500
Repayment of borrowings-16,50600000-42,817-50,866-45,379-131,65600
Proceeds from deposits0000004,56800000
Dividends paid-557-711-854-1,047-1,322-1,636-1,940-2,503-2,050-3,160-2,958-3,408
Shelter assistance reserve00-8-1100000000
Other financing items140-112169-175-210-241-31575,0767,3742,25645,41746,284
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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