WEBSITE BSE:500010 NSE: HDFC Inc. Year: 1977 Industry: Finance - Housing
Last updated: 00:00
Housing Development Finance Corporation Limited is an India-based holding company that is commonly engaged in supplying finance to individuals, corporates and builders for the acquisition, construction, improvement and repair of houses, residences and industrial residences. The Company's segments include loans, life coverage, general insurance and asset management. The Company gives a number of insurance products, inclusive of motor, health, travel, home and personal accident inside the retail division. It has customized products, together with...Read More
Housing Development Finance Corporation Limited is an India-based holding company that is commonly engaged in supplying finance to individuals, corporates and builders for the acquisition, construction, improvement and repair of houses, residences and industrial residences. The Company's segments include loans, life coverage, general insurance and asset management. The Company gives a number of insurance products, inclusive of motor, health, travel, home and personal accident inside the retail division. It has customized products, together with belongings, marine, aviation, cyber protection and legal responsibility insurance within the corporate division and crop coverage. The Company operates about 387 branches and service centers. ...Read Less
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Market Cap ₹504384 Cr.
Stock P/E 18.2
P/B 2.5
Current Price ₹2724.3
Book Value ₹ 1090.9
Face Value 2
52W High ₹0
Dividend Yield 1.62%
52W Low ₹ 0
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 39259 | 35738 | 30991 | 38591 | 31298 | 35047 | 23183 | 43917 | 41206 | 44634 |
| Other Income | 9 | 15 | 7 | 13 | 10 | 13 | 10 | 10 | 17 | 20 |
| Total Income | 39268 | 35754 | 30997 | 38604 | 31308 | 35060 | 23193 | 43927 | 41223 | 44654 |
| Total Expenditure | 27172 | 24212 | 19872 | 27228 | 19562 | 22373 | 10997 | 29749 | 26127 | 27719 |
| Operating Profit | 12096 | 11541 | 11125 | 11375 | 11745 | 12686 | 12196 | 14178 | 15097 | 16935 |
| Interest Expense | 6954 | 6666 | 6627 | 6684 | 6995 | 6925 | 7688 | 8762 | 9932 | 10464 |
| Depreciation | 91 | 89 | 87 | 88 | 90 | 153 | 150 | 150 | 152 | 146 |
| Profit Before Tax | 5051 | 4786 | 4411 | 4603 | 4660 | 5608 | 4359 | 5267 | 5013 | 6326 |
| Provision for Tax | 1087 | 1035 | 984 | 1109 | 952 | 1164 | 970 | 1178 | 983 | 1300 |
| Profit After Tax | 3964 | 3751 | 3426 | 3494 | 3708 | 4444 | 3389 | 4089 | 4030 | 5026 |
| Adjustments | 1213 | 1599 | 1615 | 1764 | 2129 | 2014 | 1920 | 2465 | 2645 | 2597 |
| Profit After Adjustments | 5177 | 5350 | 5041 | 5258 | 5837 | 6459 | 5309 | 6553 | 6675 | 7624 |
| Adjusted Earnings Per Share | 28.8 | 29.7 | 27.9 | 29.1 | 32.2 | 35.6 | 29.3 | 36.1 | 36.5 | 41.6 |
| #(Fig in Cr.) | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 35948 | 40753 | 48316 | 53223 | 61034 | 79474 | 95915 | 112267 | 139039 | 135926 | 152940 | 152940 |
| Other Income | 39 | 61 | 74 | 34 | 53 | 346 | 280 | 70 | 42 | 806 | 2160 | 57 |
| Total Income | 35987 | 40815 | 48390 | 53257 | 61088 | 79820 | 96195 | 112337 | 139082 | 136732 | 155100 | 152997 |
| Total Expenditure | 14170 | 15314 | 19516 | 21193 | 26339 | 44668 | 51754 | 59395 | 92189 | 89633 | 96510 | 94592 |
| Operating Profit | 21817 | 25501 | 28874 | 32064 | 34749 | 35152 | 44441 | 52942 | 46892 | 47098 | 58590 | 58406 |
| Interest Expense | 14296 | 16608 | 18710 | 20330 | 21992 | 24764 | 29636 | 32239 | 29221 | 27397 | 37029 | 36846 |
| Depreciation | 54 | 47 | 47 | 121 | 108 | 116 | 96 | 256 | 355 | 419 | 597 | 598 |
| Profit Before Tax | 7467 | 8846 | 10117 | 11613 | 12650 | 16207 | 22099 | 26193 | 24237 | 28252 | 32131 | 20965 |
| Provision for Tax | 2002 | 2358 | 3166 | 3639 | 4021 | 3096 | 4518 | 3367 | 3750 | 4210 | 4431 | 4431 |
| Profit After Tax | 5465 | 6488 | 6951 | 7974 | 8629 | 13111 | 17581 | 22826 | 20488 | 24042 | 27700 | 16534 |
| Adjustments | 1174 | 1460 | 1812 | 2217 | 2422 | -1131 | -1349 | -1392 | -1747 | -1447 | -1539 | 9627 |
| Profit After Adjustments | 6640 | 7948 | 8763 | 10190 | 11051 | 11980 | 16232 | 21435 | 18740 | 22595 | 26161 | 26161 |
| Adjusted Earnings Per Share | 42.9 | 50.9 | 55.6 | 64.5 | 69.6 | 71.5 | 94.3 | 123.8 | 103.9 | 124.6 | 142.6 | 143.5 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 13% | 11% | 14% | 16% |
| Operating Profit CAGR | 24% | 3% | 11% | 10% |
| PAT CAGR | 15% | 7% | 16% | 18% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 0% | 2% | 1% | 9% |
| ROE Average | 15% | 15% | 16% | 17% |
| ROCE Average | 9% | 9% | 10% | 11% |
| #(Fig in Cr.) | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 31891 | 37575 | 45072 | 50901 | 60059 | 91873 | 111733 | 126479 | 156713 | 179853 | 201474 |
| Minority's Interest | 1071 | 1424 | 1820 | 2326 | 3473 | 4994 | 6245 | 7357 | 8905 | 12777 | 13838 |
| Borrowings | 93619 | 91758 | 104546 | 118890 | 161952 | 258774 | 310089 | 346121 | 352693 | 412239 | 494580 |
| Current Liability | 86533 | 117159 | 138388 | 159094 | 165543 | 209943 | 232339 | 249415 | 310513 | 360912 | 380832 |
| Other Liabilities & Provisions | 38005 | 48326 | 59681 | 66575 | 83095 | -312 | -451 | -1256 | -1322 | -999 | -945 |
| Total Liabilities | 251119 | 296241 | 349507 | 397786 | 474122 | 565272 | 659956 | 728115 | 827501 | 964783 | 1089781 |
| Loans | 157407 | 183424 | 211531 | 245528 | 280108 | 376147 | 422334 | 445463 | 490948 | 563920 | 624552 |
| Investments | 53616 | 65377 | 86888 | 95464 | 119046 | 42183 | 59457 | 72130 | 89746 | 111894 | 144546 |
| Fixed Assets | 851 | 1002 | 1470 | 1568 | 1909 | 1889 | 1915 | 4494 | 4375 | 9957 | 9801 |
| Other Loans | 2304 | 3258 | 3263 | 3411 | 7352 | 4181 | 3385 | 3798 | 3063 | 4263 | 5213 |
| Other Non Current Assets | 748 | 779 | 2696 | 739 | 1463 | 4020 | 2699 | 2940 | 3031 | 3506 | 4172 |
| Current Assets | 36193 | 42401 | 43658 | 51075 | 64244 | 136392 | 169771 | 198308 | 235127 | 268410 | 298489 |
| Total Assets | 251119 | 296241 | 349507 | 397786 | 474122 | 565272 | 659956 | 728115 | 827501 | 964783 | 1089781 |
| #(Fig in Cr.) | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 3405 | 4397 | 6398 | 3548 | 3639 | 5352 | 2815 | 3183 | 5198 | 2629 | 2255 |
| Cash Flow from Operating Activities | -11969 | -10735 | -9118 | -19710 | -14173 | -57928 | -44301 | -26801 | -27276 | -44028 | -47328 |
| Cash Flow from Investing Activities | -10217 | -12991 | -18555 | -9312 | -27228 | -7954 | -10316 | -9874 | -6958 | -19887 | -21524 |
| Cash Flow from Financing Activities | 23174 | 25719 | 24820 | 29111 | 43127 | 63344 | 54986 | 38690 | 31665 | 63541 | 69321 |
| Net Cash Inflow / Outflow | 988 | 1993 | -2853 | 88 | 1726 | -2538 | 369 | 2015 | -2570 | -374 | 469 |
| Closing Cash & Cash Equivalent | 4397 | 6398 | 3548 | 3639 | 5358 | 2815 | 3183 | 5198 | 2629 | 2255 | 2724 |
| # | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 42.94 | 50.93 | 55.65 | 64.5 | 69.56 | 71.48 | 94.29 | 123.75 | 103.88 | 124.62 | 142.6 |
| CEPS(Rs) | 35.69 | 41.87 | 44.44 | 51.23 | 54.99 | 78.93 | 102.68 | 133.27 | 115.54 | 134.92 | 154.24 |
| DPS(Rs) | 12.5 | 14 | 15 | 17 | 18 | 20 | 21 | 21 | 23 | 30 | 44 |
| Book NAV/Share(Rs) | 205.85 | 240.54 | 286 | 321.67 | 377.73 | 542.09 | 642.41 | 724 | 859.95 | 982.16 | 1090.04 |
| Net Profit Margin | 15.2 | 15.92 | 14.39 | 14.98 | 14.14 | 16.5 | 18.33 | 20.33 | 14.74 | 17.69 | 18.11 |
| Operating Margin | 60.54 | 62.46 | 59.66 | 60.02 | 56.76 | 51.55 | 53.94 | 52.05 | 38.45 | 40.94 | 45.22 |
| PBT Margin | 20.77 | 21.71 | 20.94 | 21.82 | 20.73 | 20.39 | 23.04 | 23.33 | 17.43 | 20.78 | 21.01 |
| ROA(%) | 2.36 | 2.37 | 2.15 | 2.13 | 1.98 | 2.52 | 2.87 | 3.29 | 2.63 | 2.68 | 2.7 |
| ROE(%) | 19.55 | 18.7 | 16.84 | 16.64 | 15.57 | 17.38 | 17.46 | 19.35 | 14.61 | 14.43 | 14.65 |
| ROCE(%) | 12.02 | 12.02 | 11.75 | 11.35 | 10.59 | 10.48 | 11.15 | 11.12 | 9.25 | 8.62 | 9.4 |
| Price/Earnings(x) | 19.23 | 17.35 | 23.56 | 17.14 | 21.6 | 25.52 | 20.86 | 13.18 | 24.06 | 19.17 | 18.42 |
| Price/Book(x) | 4.01 | 3.67 | 4.58 | 3.44 | 3.98 | 3.37 | 3.06 | 2.25 | 2.91 | 2.43 | 2.41 |
| Dividend Yield(%) | 1.51 | 1.58 | 1.14 | 1.54 | 1.2 | 1.1 | 1.07 | 1.29 | 0.92 | 1.26 | 1.67 |
| EV/Net Sales(x) | 7.91 | 7.85 | 8.68 | 7.85 | 8.6 | 8.04 | 7.53 | 6.26 | 6.44 | 6.9 | 6.94 |
| EV/Core EBITDA(x) | 13.03 | 12.55 | 14.53 | 13.03 | 15.11 | 18.18 | 16.24 | 13.26 | 19.08 | 19.91 | 18.11 |
| Interest Earned Growth(%) | 18.74 | 13.37 | 18.56 | 10.16 | 14.68 | 30.21 | 20.69 | 17.05 | 23.85 | -2.24 | 12.52 |
| Net Profit Growth | 21.73 | 18.7 | 7.14 | 14.71 | 8.22 | 51.95 | 34.09 | 29.84 | -10.25 | 17.35 | 15.21 |
| EPS Growth(%) | 16.1 | 18.62 | 9.26 | 15.91 | 7.85 | 2.76 | 31.91 | 31.25 | -16.06 | 19.96 | 14.43 |
| Interest Coverage(x) % | 1.52 | 1.53 | 1.54 | 1.57 | 1.58 | 1.65 | 1.75 | 1.81 | 1.83 | 2.03 | 1.87 |
| # | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| FII | 72.78 | 72.22 | 71.95 | 72.14 | 69.19 | 67.75 | 67.76 | 67.21 | 66.18 | 63.57 |
| DII | 16.34 | 16.61 | 16.99 | 16.72 | 19.12 | 21.16 | 21.06 | 21.72 | 22.5 | 24.32 |
| Public | 10.88 | 11.18 | 11.06 | 11.13 | 11.69 | 11.09 | 11.18 | 11.08 | 11.31 | 12.11 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| FII | 131.29 | 130.4 | 130.1 | 130.66 | 125.44 | 122.93 | 123.14 | 122.77 | 121.41 | 117.69 |
| DII | 29.48 | 29.99 | 30.72 | 30.28 | 34.67 | 38.4 | 38.28 | 39.67 | 41.29 | 45.03 |
| Public | 19.62 | 20.18 | 20 | 20.16 | 21.19 | 20.12 | 20.32 | 20.23 | 20.76 | 22.43 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 180.39 | 180.58 | 180.82 | 181.1 | 181.3 | 181.45 | 181.73 | 182.68 | 183.46 | 185.14 |
* The pros and cons are machine generated.
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