1. Is Gruh Finance Ltd. a good quality company?
Past 10 year's financial track record analysis by Moneyworks4me indicates that Gruh Finance Ltd. - (Amalgamated) is a good quality company.
2. Is Gruh Finance Ltd. undervalued or overvalued?
The key valuation ratios of Gruh Finance Ltd. - (Amalgamated)'s currently when compared to its past seem to suggest it is in the Overvalued zone.
3. Is Gruh Finance Ltd. a good buy now?
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Gruh Finance Ltd. - (Amalgamated) is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
|Operating Income (₹ Cr.)||312||361||514||650||846||1,060||1,275||1,487||1,693||2,026||2,111|
|YoY Gr. Rt. %||-||15.9%||42.4%||26.5%||30%||25.4%||20.3%||16.6%||13.9%||19.7%||-|
|Adj EPS (₹ )||1||1.3||1.7||2||2.5||2.8||3.4||4.1||5.5||6.1||6.1|
|YoY Gr. Rt. %||-||31.3%||30.8%||20%||20.6%||13.8%||19.6%||21.5%||35.4%||10.7%||-|
|BVPS (₹ )||3.8||4.5||5.5||6.9||8.4||9.8||11.5||15.3||21.1||25.6||27.2|
|YoY Gr. Rt. %||-||18.6%||20.8%||26%||22.5%||16.1%||17.3%||33%||38.1%||21.6%||-|
|To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ|
|Net Profit/Total Funds (%)||2.6||2.9||3||2.8||2.7||2.4||2.3||2.3||2.6||2.5||0|
CAGR ⓘCAGR Colour Code Guide ⓘ
|9 Years||5 Years||3 Years||1 Years|
|Net Interest Income||23.1%||19.1%||16.7%||19.7%|
Key Financial Ratios
|RATIOS \ YEARS||Mar'10||Mar'11||Mar'12||Mar'13||Mar'14||Mar'15||Mar'16||Mar'17||Mar'18||Mar'19||TTM|
|Asset Quality Ratio||To view Asset Quality Ratio Colour Rating Guide click here ⓘ|
|Net NPA to Net Advances (%)||0||0||0||0.1||0||0.1||0||0||0||0||-|
|Capitalization Ratio||To view Capitalization Ratio Colour Rating Guide click here ⓘ|
|Capital Adequacy Ratio (%)||16.6||13.3||14||14.6||16.4||15.4||17.8||18.3||18.9||0||-|
|Net Profit Margin (%)||22.1||25.3||23.4||22.4||20.9||19.2||19.1||19.9||23.8||22.1||21.2|
|Performance Ratios||To view Performance Ratios Colour Rating Guide click here ⓘ|
|Return on Equity (%)||28.4||31.4||34.2||33.3||32.2||30.9||31.5||30.5||30.3||26.1||22.4|
No data to display
Return on Equity has declined versus last 3 years average to %
|TTM EPS (₹)||6.1||-|
|TTM Sales (₹ Cr.)||2,111||-|
|BVPS (₹.) ⓘ||27.2||-|
|Reserves (₹ Cr.) ⓘ||1,850||-|
|From the Market|
|52 Week Low / High (₹)||304.00 / 327.05|
|All Time Low / High (₹)||0.16 / 381.95|
|Market Cap (₹ Cr.)||23,292|
|Equity (₹ Cr.)||146.8|
|Face Value (₹)||2|
|Industry PE ⓘ||23.8|
Incorporated in 1986, GRUH Finance is primarily engaged in the business of providing long term finance to individuals for construction, purchase, extension, repair and renovation of their homes. It also provides loans to professionals for office premises.
The company has been recognized by the National Housing Bank (NHB), the apex body for regulating the housing finance industry in
GRUH offers friendly savings options with its Multiple Option Deposit Schemes. The deposits carry dual rating from renowned rating agencies like CRISIL and ICRA.GRUH Home Deposits are rated â€˜FAA+â€™ by CRISIL and â€˜MAA+â€™ by ICRA both representing high safety.
With wide network of more than 80 retail offices spread across the states of Gujrat, Maharastra, Rajasthan, Madhya Pradesh, Karnatala, Chattisgarh and Tamil Nadu, GRUH caters to a wide segment of the population helping people build homes of their dreams and managing their saving by providing safe and secure saving options.
GRUH is regarded as a trustworthy and professional company providing high quality services by its strong customer base of more than 90,000 customers. The companyâ€™s FCD issue in 1994-95 was oversubscribed.
a) Housing Loans â€“ GRUH offers the below housing loans:
b) Deposit Plans â€“ The various deposit plans offered by the company are:
c) Insurance - The company has entered into a tie up with Oriental Insurance Company to offer property insurance. Besides, it also has a tie up with HDFC Standard Life Insurance to provide life insurance cover.
Housing Development Finance Corporation (HDFC) which holds 54.49% stake in GRUH is the holding company of GRUH. The companyâ€™s fellow subsidiaries are:
Bagged the â€˜ICAI Award for Excellence in Financial Reportingâ€™ for the year 2007-2008 from CA. Charanjot Singh Nanda, Council Member, ICAI.