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Fincash » Search » Housing Development Finance Corporation Ltd

Housing Development Finance Corporation Ltd

Updated on April 12, 2019

Stock/Share Code - HDFC

HDFC is engaged in financing by way of loans for the purchase or construction of residential houses, commercial real estate and certain other purposes, in India.

Below is the details of HDFC Housing Development Finance Corporation Ltd

Market Cap₹316,742 Cr.
Current Price ₹2,003.75 as on 18 Apr 19
52 Week High / Low Price₹2,051 / ₹1,646
Face Value₹2
Stock P/E32.95
Book Value₹411.56
Dividend Yield1.06 %
ROCE9.65 %
ROE18.46 %
Sales Growth (3yrs)8.69 %
SectorFinance
IndustryFinance - Housing
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company has been maintaining a healthy dividend payout of 34.61%
Cons: Stock is trading at 4.47 times its book value Company has low interest coverage ratio. The company has delivered a poor growth of 10.76% over past five years.

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 ₹260.55 32.95 ₹316,742.15 Cr. 1.06 ₹2,113.8 Cr. -60.12 -25.01 10555.55 9.65
2. Indiabulls Hous. ₹800.55 6.81 ₹28,005.61 Cr. 6.24 ₹985.51 Cr. -13.73 23.89 4236.80 11.43
3. LIC Housing Fin. ₹517.45 10.54 ₹23,996.11 Cr. 1.43 ₹596.31 Cr. 25.51 22.42 4438.78 9.60
4. Dewan Hsg. Fin. ₹337.2 2.67 ₹3,998.1 Cr. 4.31 ₹313.6 Cr. -36.70 12.33 3250.94 9.78
5. H U D C O ₹260.55 6.93 ₹8,087.68 Cr. 1.36 ₹328.26 Cr. 26.90 21.88 1310.53 8.06
6. PNB Housing ₹792.15 16.12 ₹15,004.91 Cr. 1.00 ₹266.95 Cr. 16.34 41.20 1999.50 9.48
7. GRUH Finance ₹286.1 40.52 ₹18,153.48 Cr. 0.66 ₹96.95 Cr. 6.73 24.80 540.06 10.77

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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 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018
Revenue9,2118,3828,0918,1378,5028,2799,00314,0769,6229,94711,23910,556
Interest4,8705,1265,2465,2865,2385,7545,8455,9435,7116,3537,0457,259
Expenses7005532863173255014352,282400516710428
Employee Cost %0.91%1.27%1.15%1.27%1.01%2.51%4.3%2.82%1%3.26%1.13%1.35%
Financing Profit3,6412,7032,5602,5342,9392,0232,7235,8523,5123,0783,4852,869
Financing Margin %40%32%32%31%35%24%30%42%36%31%31%27%
Other Income1511121112114121851714
Depreciation141414141412121312131314
Profit before tax3,6422,7002,5582,5312,9382,0222,7155,8513,5173,0703,4892,869
Tax %28%31%29%33%30%30%27%9%19%29%29%26%
Net Profit2,6071,8711,8261,7012,0441,4241,9785,3002,8462,1902,4672,114
Gross NPA %0.70%0.75%0.76%0.81%0.31%0.00%1.14%1.15%0.00%0.00%1.13%1.22%
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 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018TTM
Revenue5,8328,17610,99511,33812,85317,33321,11224,14327,40130,90533,11335,18541,365
Interest3,6735,1857,4327,0637,56011,15713,89116,02917,97519,37520,89622,23526,367
Expenses2442993493644325116606968421,4201,4811,3642,054
Manufacturing Cost %0.22%0.17%0.15%0.14%0.15%0.12%0.24%0.24%0.24%0.24%0.24%0.28%%
Employee Cost %1.45%1.33%1.16%1.16%1.31%1.14%1.17%1.16%1.2%1.13%1.17%1.21%%
Other Cost %2.52%2.16%1.86%1.9%1.9%1.69%1.72%1.48%1.64%3.23%3.06%2.39%%
Financing Profit1,9142,6923,2143,9124,8615,6656,5617,4188,58410,11110,73611,58712,944
Financing Margin %33%33%29%34%38%33%31%31%31%33%32%33%31%
Other Income716982323252235557051473,72654
Depreciation17171718192124323054564953
Profit before tax1,9683,3743,2193,9164,8675,6666,5737,4408,62410,10810,72715,26412,945
Tax %20%28%29%28%27%27%26%27%31%30%31%20%
Net Profit1,5702,4362,2832,8263,5354,1234,8485,4405,9907,0937,44312,1649,617
EPS in Rs11.6716.3115.0618.4922.6426.1329.2332.4835.3241.9846.8572.58
Dividend Payout %35%29%37%37%37%39%40%40%39%38%38%28%

Compounded Sales Growth

  • 10 Years:: 15.71%
  • 5 Years:: 10.76%
  • 3 Years:: 8.69%
  • TTM:: 3.77%

Compounded Profit Growth

  • 10 Years:: 16.77%
  • 5 Years:: 13.96%
  • 3 Years:: 15.87%
  • TTM:: -10.51%

Return on Equity

  • 10 Years:: 20.45%
  • 5 Years:: 20.08%
  • 3 Years:: 19.91%
  • TTM:: 18.46%

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 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Sep 2018
Share Capital253284284287293295309312315316318335339
Equity Capital253284.03284.45287.11293.37295.39309.27312.1314.94315.97317.73335.18
Reserves5,29811,66312,85314,91117,02318,72224,52127,64330,65533,75439,27761,01770,462
Borrowings57,19369,15183,85696,565115,112139,128158,828183,973208,599237,763279,732319,91261,600
Other Liabilities2,8823,3764,7154,9286,8639,42411,75213,58215,16818,06319,15422,070294,610
Trade Payables160.7685.38659.23227.8775.76178.7226.8981.8287.8122.92147.71207.59319.09
Total Liabilities65,62684,474101,709116,691139,292167,569195,411225,511254,737289,896338,480403,335427,011
Fixed Assets2132082032222342342382806776651,0001,0601,042
Gross Block493.11488.57493.85524.45547.54555.58576.41637.931038.481064.71440.41536.88
Accumulated Depreciation277.87277.91290.44302.34313.59321.63338.47357.45361.52400.17440.76476.75
CWIP0000000000000
Investments3,6666,91510,46910,72711,83212,20713,61313,91314,29415,34520,05330,11738,217
Other Assets61,74777,35191,037105,742127,226155,128181,559211,317239,766273,886317,428372,158387,753
Trade receivables5.022.0127.770.731.2760.211.3284.5246.18144.66109.48109.593049.36
Cash Equivalents1373.35777.731718.545224.156130.035472.855751.147715.523364.655320.676318.81371.39322.85
Loans n Advances3856.023243.154092.242549.9818970.321040.921702.0224216.9629346.8332034.0538175.1126246.68375792.14
Total Assets65,62684,474101,709116,691139,292167,569195,411225,511254,737289,896338,480403,335427,011

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 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
Cash from Operating Activity1,6491,894-8,750-9,733-17,212-23,755-19,840-21,469-25,469-27,405-36,119-50,443
Profit from operations1659.22553.553374.963555.524396.72-963.25-1261.72-778.38-470.51-499.99-695.88-998.36
Working Capital Changes418.84291.45383.1-28.79122.8-2341.924040.3179.61-27.36-2246.96-779.2-159.25
Taxes paid-429.05-951.17-12507.7-13259.38-21731.12-20450-22618.41-20770.12-24971.36-24657.64-34644.14-49285.42
Cash from Investing Activity582-2,380-3,415112-527180-867152199853-1,398-2,480
Fixed Assets Purchased-26-15.74-12.37-34.83-29.66-18.91-25.84-79.76-451.77-37.38-27.97-43.47
Fixed Assets Sold52.546.773.221.074.51.480.9128.5556.833.160.620.68
Investments purchased-40497.32-59871.9-88129.69-143850.24-160358.26-191570.04-229820.08-442034.42-310639.6-348618.35-3741.97-14975.06
Investments sold41258.7957594.5985139.75144282.67160137.64192046.07229060.78442304.64311291.19347739.551675.446521.27
Cash from Financing Activity-2,060-10913,08213,14918,64422,69521,53123,62822,39226,30139,08849,946
Proceeds from Shares292.374719.9351.5326.86883.85307.093832.97629.25684.29346.33682.3914053.81
Proceeds from Borrowings9838.7712093.9613853.0113515.4518994.323919.9819574.7163502.31066009.9170965.37180965.57
Repayment of Borrowings-11530.06-16506.2300000-42816.75-50866.15-45379.01-131656.17-136840
Dividends Paid-499.13-556.61-710.6-853.68-1047.42-1321.85-1635.57-1939.91-2502.57-2050.29-3159.71-2957.6
Net Cash Flow172-5969183,529905-8808252,311-2,878-2501,571-2,977

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Ratios

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
ROE %31%23%18%20%22%23%22%21%20%22%20%18%

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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.