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GIC HOUSING vs PAISALO DIGITAL - Comparison Results

Rs 100 invested in...

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Current Valuations

    GIC HOUSING PAISALO DIGITAL GIC HOUSING/
PAISALO DIGITAL
 
P/E (TTM) x 6.6 21.3 30.9% View Chart
P/BV x 0.6 3.0 20.1% View Chart
Dividend Yield % 2.2 0.2 976.9%  

Financials

 GIC HOUSING   PAISALO DIGITAL
EQUITY SHARE DATA
    GIC HOUSING
Mar-24
PAISALO DIGITAL
Mar-24
GIC HOUSING/
PAISALO DIGITAL
5-Yr Chart
Click to enlarge
High Rs292100 293.5%   
Low Rs15521 735.4%   
Income per share (Unadj.) Rs196.37.3 2,676.3%  
Earnings per share (Unadj.) Rs28.12.0 1,410.3%  
Cash flow per share (Unadj.) Rs60.8-6.9 -881.2%  
Dividends per share (Unadj.) Rs4.500.10 4,500.0%  
Avg Dividend yield %2.00.2 1,214.5%  
Book value per share (Unadj.) Rs339.614.8 2,294.2%  
Shares outstanding (eoy) m53.85898.04 6.0%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.18.2 13.8%   
Avg P/E ratio x8.030.3 26.3%  
Avg P/CF ratio x7.24.6 156.6%  
Avg Price/Bookvalue ratio x0.74.1 16.2%  
Dividend payout %16.05.0 319.1%   
Avg Mkt Cap Rs m12,03454,166 22.2%   
No. of employees `000NANA-   
Total wages & salary Rs m640425 150.5%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m10,5726,587 160.5%  
Other income Rs m1251 19,593.8%   
Interest expense Rs m7,1072,701 263.1%   
Net interest income Rs m3,4653,887 89.1%  
Operating expense Rs m1,3981,446 96.7%   
Gross profit Rs m2,0662,440 84.7%  
Gross profit margin %19.537.0 52.8%  
Provisions/contingencies Rs m16710,052 1.7%   
Profit before tax Rs m2,0422,412 84.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m528622 84.9%   
Profit after tax Rs m1,5141,790 84.6%  
Net profit margin %14.327.2 52.7%  
BALANCE SHEET DATA
Advances Rs m99,7830-   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-  
Cost of deposits %00-  
Net Interest Margin %3.41,868.3 0.2%  
Net fixed assets Rs m436664 65.7%   
Share capital Rs m539898 60.0%   
Free reserves Rs m17,75012,396 143.2%   
Net worth Rs m18,28813,294 137.6%   
Borrowings Rs m3,9657,420 53.4%   
Investments Rs m2,070208 995.2%   
Total assets Rs m103,96441,849 248.4%  
Debt/equity ratio x0.20.6 38.8%   
Return on assets %1.54.3 34.0%  
Return on equity %8.313.5 61.5%  
Capital adequacy ratio %33.635.9 93.4%  
Net NPAs %2.70 13,450.0%  
CASH FLOW
From Operations Rs m5,221-5,698 -91.6%  
From Investments Rs m63526 2,440.4%  
From Financial Activity Rs m-6,1945,526 -112.1%  
Net Cashflow Rs m-338-145 232.8%  

Share Holding

Indian Promoters % 42.4 52.4 81.0%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 8.8 23.4 37.6%  
FIIs % 2.9 10.7 27.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 57.6 47.6 120.9%  
Shareholders   67,589 71,338 94.7%  
Pledged promoter(s) holding % 0.0 17.8 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare GIC HOUSING With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    AAVAS FINANCIERS    


More on GIC HOUSING vs Paisalo Digital

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

GIC HOUSING vs Paisalo Digital Share Price Performance

Period GIC HOUSING Paisalo Digital
1-Day 0.20% -0.70%
1-Month -1.89% -5.72%
1-Year 7.36% 8.11%
3-Year CAGR 9.74% -3.37%
5-Year CAGR 5.78% 15.01%

* Compound Annual Growth Rate

Here are more details on the GIC HOUSING share price and the Paisalo Digital share price.

Moving on to shareholding structures...

The promoters of GIC HOUSING hold a 42.4% stake in the company. In case of Paisalo Digital the stake stands at 52.4%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of GIC HOUSING and the shareholding pattern of Paisalo Digital.

Finally, a word on dividends...

In the most recent financial year, GIC HOUSING paid a dividend of Rs 4.5 per share. This amounted to a Dividend Payout ratio of 16.0%.

Paisalo Digital paid Rs 0.1, and its dividend payout ratio stood at 5.0%.

You may visit here to review the dividend history of GIC HOUSING, and the dividend history of Paisalo Digital.

For a sector overview, read our finance sector report.



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