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Fincash » Search » Housing Development Finance Corporation Ltd

Housing Development Finance Corporation Ltd

Updated on July 15, 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₹375,853 Cr.
Current Price ₹2,303.55 as on 19 Jul 19
52 Week High / Low Price₹2,210 / ₹1,644.5
Face Value₹2
Stock P/E39.02
Book Value₹449.22
Dividend Yield0.89 %
ROCE9.65 %
ROE18.46 %
Sales Growth (3yrs)8.69 %
SectorFinance
IndustryFinance - Housing
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company has reduced debt. Company has been maintaining a healthy dividend payout of 34.61%
Cons: Stock is trading at 4.86 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 ₹217 39.02 ₹375,852.69 Cr. 0.89 ₹2,861.58 Cr. 26.80 24.29 11580.05 9.65
2. Indiabulls Hous. ₹634.95 8.22 ₹33,617.41 Cr. 5.20 ₹1,006.15 Cr. -7.03 5.22 4209.53 11.43
3. LIC Housing Fin. ₹522.9 11.60 ₹28,189.75 Cr. 1.22 ₹693.58 Cr. 16.70 19.74 4655.14 9.60
4. GRUH Finance ₹286.3 52.11 ₹23,305.58 Cr. 0.52 ₹129.65 Cr. 1.21 25.57 557.72 10.77
5. PNB Housing ₹739.15 13.04 ₹14,106.22 Cr. 1.06 ₹371.12 Cr. 46.94 30.39 2135.12 9.48
6. AAVAS Financiers ₹1,493.05 63.04 ₹11,088.98 Cr. 0.00 ₹54.29 Cr. 171.86 38.90 204.22 10.93
7. H U D C O ₹217 7.26 ₹8,568.13 Cr. 1.29 ₹236.37 Cr. -26.94 19.47 1474.75 8.06

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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 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019
Revenue8,3828,0918,1378,5028,2799,00314,0769,3179,94711,23910,57511,580
Interest5,1265,2465,2865,2385,7545,8455,9435,9566,3537,0457,2597,182
Expenses5532863173255014352,282752516710428700
Employee Cost %1.27%1.15%1.27%1.01%2.51%4.3%2.82%4.08%3.26%1.13%1.34%1.06%
Financing Profit2,7032,5602,5342,9392,0232,7235,8522,6093,0783,4852,8883,698
Financing Margin %32%32%31%35%24%30%42%28%31%31%27%32%
Other Income1112111211412551777
Depreciation141414141212131213132713
Profit before tax2,7002,5582,5312,9382,0222,7155,8512,6023,0703,4892,8693,691
Tax %31%29%33%30%30%27%9%13%29%29%26%22%
Net Profit1,8711,8261,7012,0441,4241,9785,3002,2572,1902,4672,1142,862
Gross NPA %0.75%0.76%0.81%0.31%0.00%1.14%1.15%0.00%0.00%1.13%1.22%0.00%
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
Revenue5,8328,17610,99511,33812,85317,33321,11224,14327,40130,90533,11335,18543,342
Interest3,6735,1857,4327,0637,56011,15713,89116,02917,97519,37520,89622,23527,838
Expenses2442993493644325116606968421,4201,4811,3642,355
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 Profit1,9142,6923,2143,9124,8615,6656,5617,4188,58410,11110,73611,58713,149
Financing Margin %33%33%29%34%38%33%31%31%31%33%32%33%30%
Other Income716982323252235557051473,72636
Depreciation17171718192124323054564967
Profit before tax1,9683,3743,2193,9164,8675,6666,5737,4408,62410,10810,72715,26413,119
Tax %20%28%29%28%27%27%26%27%31%30%31%20%
Net Profit1,5702,4362,2832,8263,5354,1234,8485,4405,9907,0937,44312,1649,632
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:: 6.56%

Compounded Profit Growth

  • 10 Years:: 16.77%
  • 5 Years:: 13.96%
  • 3 Years:: 15.87%
  • TTM:: -12.11%

Return on Equity

  • 10 Years:: 20.45%
  • 5 Years:: 20.08%
  • 3 Years:: 19.91%
  • Last Year:: 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 2018Mar 2019
Share Capital253284284287293295309312315316318335344
Equity Capital253284.03284.45287.11293.37295.39309.27312.1314.94315.97317.73335.18344.29
Reserves5,29811,66312,85314,91117,02318,72224,52127,64330,65533,75439,27761,01777,011
Borrowings57,19369,15183,85696,565115,112139,128158,828183,973208,599237,763279,732319,91277,668
Other Liabilities2,8823,3764,7154,9286,8639,42411,75213,58215,16818,06319,15422,070303,755
Trade Payables160.7685.38659.23227.8775.76178.7226.8981.8287.8122.92147.71207.59190.17
Total Liabilities65,62684,474101,709116,691139,292167,569195,411225,511254,737289,896338,480403,335458,778
Fixed Assets2132082032222342342382806776651,0001,060973
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
Investments3,6666,91510,46910,72711,83212,20713,61313,91314,29415,34520,05330,11746,240
Other Assets61,74777,35191,037105,742127,226155,128181,559211,317239,766273,886317,428372,158411,565
Trade receivables5.022.0127.770.731.2760.211.3284.5246.18144.66109.48109.59186.86
Cash Equivalents1373.35777.731718.545224.156130.035472.855751.147715.523364.655320.676318.81371.391596.26
Loans n Advances3856.023243.154092.242549.9818970.321040.921702.0224216.9629346.8332034.0538175.1126246.68400902.65
Total Assets65,62684,474101,709116,691139,292167,569195,411225,511254,737289,896338,480403,335458,778

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.