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Gruh Finance Ltd. - (Amalgamated) (GRUH)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 511288 NSE: GRUH Finance - Housing | Small Cap | Gruh Fin.-Amalgamat Share Price

₹317.30 0.00 (0.00%)

As on 15-Oct'19 18:59

Gruh Finance Ltd. - (Amalgamated) (GRUH)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 511288 NSE: GRUH Finance - Housing | Small Cap | Gruh Fin.-Amalgamat Share Price

₹317.30 0.00 (0.00%)

As on 15-Oct'19 18:59

Key Metrics
Valuation Multiples
Market Cap
₹23,292 Cr.
Current Price
₹317.3
52-Week Low / High
₹304 / 327
TTM EPS
₹6.1
Book Value per Share
₹27.2
P/E Ratio
52.02
Industry PE
13.6
Price to Book (P/B)
11.67
EV/EBITDA
18.54
Dividend Yield
0.72%
Profitability Efficiency
Return on Equity (ROE)
26.13%
Return on Capital Employed (ROCE)
12.37%
Return on Assets (ROA)
2.48%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
2.31%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
21.57%
Asset Quality
Gross NPA(%)
0.66%
Net NPA(%)
0.35%
TTM Sales
₹2,111 Cr.
Reserves
₹1,850 Cr.
Equity
₹146.8 Cr.
Face Value
₹2
All Time Low / High
₹0.16 / 381.95

Gruh Finance . - (Amalgamated) stock performance

Key Ratios
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10 Year X-Ray :

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 ⓘ

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 8.5% - - -

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

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Income + 312.54361.27514.24650.45846.161,060.321,275.401,487.391,693.742,047.80
Interest Income311.67361.07514.17650.44845.691,060.321,275.401,487.391,693.452,026.19
Other Income ⓘ 13.793.273.264.204.0619.6526.9538.3442.9420.23
Exceptional Items ⓘ 0.870.200.070.010.470000.2921.61
Expenditure ⓘ + 218.12235.70351.48453.64601.70759.48913.701,045.391,126.591,432.76
Interest Expense ⓘ 180.20200.92310.10404.42543.63677.73807.41919.62984.801,301.20
Operating Expenses ⓘ 24.1331.5138.1245.0254.0162.1079.3487.4398.85111.33
Provisions 13.793.273.264.204.0619.6526.9538.3442.9420.23
Exceptional Items ⓘ 0000000000
Profit Before Tax ⓘ 94.42125.57162.76196.81244.46300.84361.70442567.15615.04
Taxes ⓘ 25.4734.0642.4250.9367.5097.04118.12145.35164.40167.84
Profit After Tax 68.9691.51120.34145.88176.96203.80243.58296.65402.75447.20
Adjusted EPS (₹)1.01.31.72.02.52.83.44.15.56.1
Dividend Payout Ratio (%)32.70%42.30%33.70%30.60%30.50%35.70%34.30%34.40%30%32.80%

Valuation of Gruh Fin.-Amalgamat - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19

Equity and Liabilities

Equity Capital +264.63317.94385.55490.99607.24711.49835.301,113.211,555.241,891.44
Share Capital ⓘ 34.7335.1635.3035.7036.0372.6872.7472.9173.14146.74
Reserves ⓘ 229.90282.78350.25455.29571.21638.81762.561,040.301,482.101,744.70
Short term borrowings0299.52232.3568.77472.99973.1823.8922.9912,529.5415,012.90
Long Term Borrowings2,313.782,036.093,095.823,982.115,398.837,118.089,306.4311,376.99750.96925.50
Current Liabilities 178.501,158.951,067.811,339.531,513.261,7241,771.801,685.5014,187.4916,724.79
Trade Payables0.861.771.180.750.800.921.184.832.872.83
Other Liabilities-0.86-301.29-233.53-69.52-473.79-974.10-25.07-27.82-12,532.41-15,015.73
Total Liabilities ⓘ 2,756.913,512.974,549.185,812.637,519.339,553.5711,913.5314,175.7016,493.6919,541.73

Assets

Non Current Asset +2,495.933,203.104,077.775,319.556,953.768,869.1511,084.1213,265.4616,254.1018,249.65
Loan Asset 2,453.703,176.853,788.125,015.356,579.628,390.9310,497.3312,431.4415,451.5717,288.28
Other Non Current Asset ⓘ 42.2326.25289.65304.20374.14478.22586.79834.02802.53961.37
Current Asset +260.98309.87471.41493.08565.57684.42829.41910.24239.591,292.08
Current Investment022.230.1024.819.6829.32109.970157.94148.27
Other Current Asset260.98287.65471.31468.27555.89655.10719.44910.2481.651,143.81
Total Assets ⓘ 2,756.913,512.974,549.185,812.637,519.339,553.5711,913.5314,175.7016,493.6919,541.73

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Cash Flow From Operating Activity ⓘ 6.41-660.99-800.82-1,145.66-1,486.80-1,716.40-1,918.73-1,710.76-1,893.66-1,432.15
Cash Flow From Investing Activity ⓘ -1.72-4.50-2-2.28-1.08-4.27-4.433.414.9249.11
Cash Flow From Financing Activity ⓘ 59.67623.59824.101,046.081,490.431,713.301,942.311,692.461,895.202,418.41
Net Cash Flow ⓘ 64.35-41.9021.28-101.862.55-7.3719.15-14.896.461,035.37

Financial Ratio

PARTICULARSMar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19

Operational & Financial Ratios
EPS (₹)19.902634.108.209.805.606.708.10116.10
DPS (₹)6.501111.502.50322.302.803.302
BVPS (₹)76.290.4109.227.533.719.62330.542.225.6

Performance Ratios

ROA (%)2.62.93.02.82.72.42.32.32.62.5
ROE (%)28.431.434.233.332.230.931.530.530.326.1
ROCE (%)10.911.112.612.512.712.311.711.211.412.4

Valuation Parameters

Price/Book(x)2.94.05.87.68.712.410.413.013.710.8

Management X-Ray

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 (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Gruh Finance Ltd. - (Amalgamated) FAQs

The current trading price of Gruh Fin.-Amalgamat on 15-Oct-2019 18:59 is ₹317.3.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 14-Oct-2019 the market cap of Gruh Fin.-Amalgamat stood at ₹23,291.9 Cr

The latest P/E ratio of Gruh Fin.-Amalgamat as of 14-Oct-2019 is 52.02.

The latest P/B ratio of Gruh Fin.-Amalgamat as of 14-Oct-2019 is 11.67.

The 52-week high of Gruh Fin.-Amalgamat is ₹327.1 and the 52-week low is ₹304.0.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Gruh Fin.-Amalgamat is ₹2,111 ( Cr.) .

Past 10 year's financial track record analysis by Moneyworks4me indicates that Gruh Finance Ltd. - (Amalgamated) is a good quality company.

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.

No data found

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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