GRUH Finance Ltd(Merged)

₹ 318 3.64%

15 Oct 2019

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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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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Detailed Comparison with:

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:	10%
5 Years:	%
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
	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 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 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	41,054	42,028	40,525	43,385	43,697	43,812	47,181	57,107	61,108	64,837	73,434	72,213

	Mar 2017	Mar 2018	Mar 2019	Jun 2019
	58.45%	57.93%	56.09%	47.43%
	11.34%	10.83%	10.76%	18.74%
	8.26%	10.23%	10.31%	11.83%
	0.27%	0.27%	0.27%	0.27%
	21.68%	20.73%	22.56%	21.73%
No. of Shareholders	40,525	47,181	73,434	72,213

* 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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Annual reports

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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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