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INDO CREDIT vs HDFC - Comparison Results

Rs 100 invested in...

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Current Valuations

    INDO CREDIT HDFC INDO CREDIT/
HDFC
 
P/E (TTM) x -38.6 30.6 - View Chart
P/BV x 0.3 2.5 11.5% View Chart
Dividend Yield % 0.0 1.6 -  

Financials

 INDO CREDIT   HDFC
EQUITY SHARE DATA
    INDO CREDIT
Mar-24
HDFC
Mar-23
INDO CREDIT/
HDFC
5-Yr Chart
Click to enlarge
High Rs22,855 0.1%   
Low Rs12,027 0.1%   
Income per share (Unadj.) Rs0.1833.7 0.0%  
Earnings per share (Unadj.) Rs-0.1142.6 -0.0%  
Cash flow per share (Unadj.) Rs0.3692.5 0.0%  
Dividends per share (Unadj.) Rs044.00 0.0%  
Avg Dividend yield %01.8 0.0%  
Book value per share (Unadj.) Rs8.11,090.0 0.7%  
Shares outstanding (eoy) m7.231,834.56 0.4%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x20.02.9 681.4%   
Avg P/E ratio x-24.117.1 -140.7%  
Avg P/CF ratio x-24.117.1 -141.0%  
Avg Price/Bookvalue ratio x0.22.2 9.3%  
Dividend payout %030.9 -0.0%   
Avg Mkt Cap Rs m124,478,060 0.0%   
No. of employees `000NANA-   
Total wages & salary Rs m121,600 0.0%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m11,529,403 0.0%  
Other income Rs m221,598 0.0%   
Interest expense Rs m1370,286 0.0%   
Net interest income Rs m01,159,117 -0.0%  
Operating expense Rs m2965,098 0.0%   
Gross profit Rs m-2194,018 -0.0%  
Gross profit margin %-389.012.7 -3,066.5%  
Provisions/contingencies Rs m0607 0.0%   
Profit before tax Rs m-1321,306 -0.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-15,389 -0.0%   
Prior Period Items Rs m00-   
Tax Rs m044,308 0.0%   
Profit after tax Rs m-1261,609 -0.0%  
Net profit margin %-83.317.1 -486.9%  
BALANCE SHEET DATA
Advances Rs m06,245,515 0.0%   
Deposits Rs m01,109,979 0.0%  
Credit/Deposit ratio x0562.7- 
Yield on advances %00-  
Cost of deposits %09.4-  
Net Interest Margin %011.1 -0.4%  
Net fixed assets Rs m998,012 0.0%   
Share capital Rs m723,669 2.0%   
Free reserves Rs m-141,996,058 -0.0%   
Net worth Rs m591,999,727 0.0%   
Borrowings Rs m0876,846 0.0%   
Investments Rs m734,173,582 0.0%   
Total assets Rs m9910,897,807 0.0%  
Debt/equity ratio x01.0 0.0%   
Return on assets %-0.52.4 -21.4%  
Return on equity %-0.913.1 -6.6%  
Capital adequacy ratio %00-  
Net NPAs %00-  
CASH FLOW
From Operations Rs m-9-473,285 0.0%  
From Investments Rs m4-215,235 -0.0%  
From Financial Activity Rs m4693,206 0.0%  
Net Cashflow Rs m-14,687 -0.0%  

Share Holding

Indian Promoters % 14.5 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.0 87.9 -  
FIIs % 0.0 63.6 -  
ADR/GDR % 0.0 0.0 -  
Free float % 85.5 100.0 85.5%  
Shareholders   11,148 720,777 1.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare INDO CREDIT With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    MANAPPURAM FINANCE    


More on INDO CREDIT vs HDFC

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

Here's a brief comparison:

INDO CREDIT vs HDFC Share Price Performance

Period INDO CREDIT HDFC
1-Day 4.91% -0.62%
1-Month 4.91% 3.39%
1-Year 43.29% 22.62%
3-Year CAGR 13.91% 13.92%
5-Year CAGR 33.70% 6.83%

* Compound Annual Growth Rate

Here are more details on the INDO CREDIT share price and the HDFC share price.

Moving on to shareholding structures...

The promoters of INDO CREDIT hold a 14.5% stake in the company. In case of HDFC the stake stands at 0.0%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of INDO CREDIT and the shareholding pattern of HDFC.

Finally, a word on dividends...

In the most recent financial year, INDO CREDIT paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of -0.0%.

HDFC paid Rs 44.0, and its dividend payout ratio stood at 30.9%.

You may visit here to review the dividend history of INDO CREDIT, and the dividend history of HDFC.

For a sector overview, read our finance sector report.



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