Gruh Finance Ltd. - (Amalgamated) Stock Analysis

BSE: 511288 | NSE: GRUH | Finance - Housing | Large Cap

BSE Share Price Oct 15, 18:59
317.30 0.00 (0.00%)

DeciZen - Make an Informed Decision on Gruh Fin.-Amalgamat

Overall Rating

2. Valuation

Overvalued

3. Price Trend

FAQs

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.

10 Year X-Ray of Gruh Fin.-Amalgamat:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Gruh Finance Ltd. - (Amalgamated) has performed well in majority of the past ten years indicating its past ten year financial track record is very good
Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19TTM
Operating Income (₹ Cr.)3123615146508461,0601,2751,4871,6932,0262,111
YoY Gr. Rt. %-15.9%42.4%26.5%30%25.4%20.3%16.6%13.9%19.7%-
Adj EPS (₹ ) 11.31.722.52.83.44.15.56.16.1
YoY Gr. Rt. %-31.3%30.8%20%20.6%13.8%19.6%21.5%35.4%10.7%-
BVPS (₹ )3.84.55.56.98.49.811.515.321.125.627.2
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 (%)2.62.932.82.72.42.32.32.62.50

CAGR

CAGR Colour Code Guide
9 Years 5 Years 3 Years 1 Years
Net Interest Income23.1%19.1%16.7%19.7%
Adj EPS22.4%19.9%22.1%10.7%
BVPS23.6%24.9%30.7%21.6%
Share Price 23.5% 6.4% 3.3% -

Key Financial Ratios

RATIOS \ YEARSMar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000.100.10000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 16.613.31414.616.415.417.818.318.90-
Margins
Net Profit Margin (%)22.125.323.422.420.919.219.119.923.822.121.2
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)28.431.434.233.332.230.931.530.530.326.122.4

Recent Performance Summary

No data to display

Return on Equity has declined versus last 3 years average to %

Latest Financials - Gruh Finance Ltd. - (Amalgamated)

Standalone Consolidated
TTM EPS (₹) 6.1 -
TTM Sales (₹ Cr.) 2,111 -
BVPS (₹.) 27.2 -
Reserves (₹ Cr.) 1,850 -
P/BV 11.67 -
PE 52.02 -
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 22.8

Management X-Ray of Gruh Fin.-Amalgamat :

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

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News

About Gruh Finance Ltd. - (Amalgamated)

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 India, and has been awarded the certificate of registration to carry out the housing finance business in India and also accept retail deposits from the public.

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 ‘FAA+’ by CRISIL and ‘MAA+’ 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 company’s FCD issue in 1994-95 was oversubscribed.

Products:

a) Housing Loans – GRUH offers the below housing loans:

  • Gruh Suraksha
  • Gruh Suvidha
  • Gruh Sajavat
  • Gruh Samruddhi
  • Gruh Shubh Labh
  • Gruh Sahyog 

b) Deposit Plans – The various deposit plans offered by the company are:

  • Gruh Fixed Deposit
  • Monthly Income Plan
  • Quarterly Income Plan
  • Annual Income Plan
  • Cumulative Growth 

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.

Fellow Subsidiaries:

Housing Development Finance Corporation (HDFC) which holds 54.49% stake in GRUH is the holding company of GRUH. The company’s fellow subsidiaries are:

  • HDFC Developers
  • HDFC Investments
  • HDFC Holdings
  • HDFC Asset Management
  • HDFC Trustee
  • HDFC Standard Life Insurance
  • HDFC Realty
  • HDFC Ergo General Insurance
  • Home Loan Service of India
  • HDFC Sales
  • HDFC Ventures Trustee Company
  • HDFC Property Ventures

Awards:

Bagged the ‘ICAI Award for Excellence in Financial Reporting’ for the year 2007-2008 from CA. Charanjot Singh Nanda, Council Member, ICAI.

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