GRUH Finance Ltd(Merged)

GRUH Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

GRUH Finance Ltd(Merged)

₹ 318 3.64%
15 Oct 2019
gruh.com BSE: 511288 NSE: GRUH
About

GRUH Finance's principal business is to provide loans for purchase or construction of residential houses. The business is conducted through its branches in India and is supported by a network of Referral Associates for sourcing loans as well as deposits.(Source : 201903 Annual Report Page No: 86)

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Website BSE NSE
  • Market Cap ₹ 23,321 Cr.
  • Current Price ₹ 318
  • High / Low ₹ /
  • Stock P/E 52.1
  • Book Value ₹ 25.8
  • Dividend Yield 0.00 %
  • ROCE 11.3 %
  • ROE 26.0 %
  • Face Value ₹ 2.00
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Pros

  • Company has delivered good profit growth of 20.4% CAGR over last 5 years
  • Company has a good return on equity (ROE) track record: 3 Years ROE 28.4%
  • Company has been maintaining a healthy dividend payout of 32.4%
  • Company's median sales growth is 19.7% of last 10 years

Cons

  • Stock is trading at 12.3 times its book value
  • Company has low interest coverage ratio.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance - Housing

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Quarterly Results

Figures in Rs. Crores

Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019
346 367 381 416 404 416 433 444 451 481 538 558 533
32 36 54 25 37 53 50 2 31 44 30 4 27
Operating Profit 314 332 327 391 367 363 382 442 420 437 509 553 505
OPM % 91% 90% 86% 94% 91% 87% 88% 99% 93% 91% 94% 99% 95%
0 0 0 0 0 0 0 0 0 0 0 0 0
Interest 224 235 230 231 237 242 252 253 263 290 373 374 349
Depreciation 1 1 1 1 1 1 1 1 1 1 1 1 3
Profit before tax 90 96 97 160 130 120 130 188 156 146 135 178 154
Tax % 33% 35% 34% 31% 26% 27% 30% 32% 26% 28% 28% 27% 25%
60 62 64 110 96 88 91 128 115 105 97 130 116
EPS in Rs 0.83 0.85 0.88 1.51 1.31 1.20 1.24 1.75 1.57 1.44 1.32 1.77 1.58
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 TTM
203 294 308 360 508 648 846 1,060 1,275 1,487 1,694 2,027 2,110
21 24 33 33 39 47 56 80 103 123 139 107 106
Operating Profit 181 271 275 327 469 601 790 980 1,172 1,364 1,555 1,920 2,004
OPM % 89% 92% 89% 91% 92% 93% 93% 92% 92% 92% 92% 95% 95%
1 1 1 1 6 2 0 0 0 0 0 0 0
Interest 122 201 180 201 310 404 544 678 807 920 985 1,301 1,386
Depreciation 1 1 1 2 2 2 2 1 3 3 3 3 5
Profit before tax 59 70 94 126 163 197 244 301 362 442 567 615 613
Tax % 29% 28% 27% 27% 26% 26% 28% 32% 33% 33% 29% 27%
42 50 69 92 120 146 177 204 244 297 403 447 448
EPS in Rs 0.61 0.72 0.99 1.30 1.70 2.04 2.46 2.80 3.35 4.07 5.51 6.10 6.11
Dividend Payout % 33% 33% 33% 42% 34% 31% 31% 36% 34% 34% 30% 33%
Compounded Sales Growth
10 Years: 21%
5 Years: 19%
3 Years: 17%
TTM: 21%
Compounded Profit Growth
10 Years: 24%
5 Years: 20%
3 Years: 22%
TTM: 6%
Stock Price CAGR
10 Years: 9%
5 Years: 0%
3 Years: %
1 Year: %
Return on Equity
10 Years: 30%
5 Years: 29%
3 Years: 28%
Last Year: 26%

Balance Sheet

Figures in Rs. Crores

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
Equity Capital 35 35 35 35 35 36 36 73 73 73 73 147
Reserves 156 186 230 283 350 455 571 639 763 1,040 1,482 1,745
1,773 2,245 2,323 2,962 3,829 4,911 6,480 8,207 10,259 12,055 13,969 16,507
59 69 80 110 121 198 156 262 349 417 261 267
Total Liabilities 2,022 2,535 2,668 3,390 4,336 5,600 7,243 9,181 11,443 13,586 15,785 18,666
9 9 10 12 12 12 11 14 15 14 15 15
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 17 13 33 35 24 65 53 80 143 158 158 148
1,997 2,513 2,625 3,343 4,300 5,523 7,179 9,087 11,285 13,414 15,612 18,503
Total Assets 2,022 2,535 2,668 3,390 4,336 5,600 7,243 9,181 11,443 13,586 15,785 18,666

Cash Flows

Figures in Rs. Crores

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
42 -541 6
-1 -1 -2
34 456 60
Net Cash Flow 75 -86 64

Ratios

Figures in Rs. Crores

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
Debtor Days 0 0 0 0 0 0 0 0 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 0 0 0 0 0 0 0 0 0 0
Working Capital Days 8 -34 -63 156 165 176 166 151 149 185 -41 -35
ROCE % 11% 12% 11% 11% 13% 12% 13% 12% 12% 11% 11% 11%

Shareholding Pattern

Numbers in percentages

Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019
58.55% 58.55% 58.45% 58.36% 57.99% 57.95% 57.93% 57.93% 57.86% 57.83% 56.09% 47.43%
14.22% 10.96% 11.34% 11.09% 11.56% 11.49% 10.83% 10.58% 10.47% 10.58% 10.76% 18.74%
4.51% 8.10% 8.26% 8.60% 8.91% 9.19% 10.23% 10.29% 10.51% 10.58% 10.31% 11.83%
0.27% 0.27% 0.27% 0.27% 0.27% 0.27% 0.27% 0.27% 0.27% 0.27% 0.27% 0.27%
22.44% 22.12% 21.68% 21.68% 21.27% 21.10% 20.73% 20.92% 20.89% 20.74% 22.56% 21.73%
No. of Shareholders 41,05442,02840,52543,38543,69743,81247,18157,10761,10864,83773,43472,213

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

Annual reports

Credit ratings

Concalls

  • Jul 2019
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  • May 2019
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  • Jan 2019
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  • Oct 2018
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  • Jul 2018
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  • Apr 2018
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  • Jan 2018
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  • Oct 2017
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  • Apr 2017
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  • Jan 2017
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  • Oct 2016
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