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RELIANCE HOME FINANCE vs PNB GILTS - Comparison Results

Rs 100 invested in...

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Current Valuations

    RELIANCE HOME FINANCE PNB GILTS RELIANCE HOME FINANCE/
PNB GILTS
 
P/E (TTM) x -12.2 9.4 - View Chart
P/BV x - 1.6 - View Chart
Dividend Yield % 0.0 0.9 -  

Financials

 RELIANCE HOME FINANCE   PNB GILTS
EQUITY SHARE DATA
    RELIANCE HOME FINANCE
Mar-23
PNB GILTS
Mar-24
RELIANCE HOME FINANCE/
PNB GILTS
5-Yr Chart
Click to enlarge
High Rs7128 5.2%   
Low Rs257 3.7%   
Income per share (Unadj.) Rs7.987.6 9.0%  
Earnings per share (Unadj.) Rs111.73.9 2,897.1%  
Cash flow per share (Unadj.) Rs188.33.7 5,139.0%  
Dividends per share (Unadj.) Rs01.00 0.0%  
Avg Dividend yield %01.1 0.0%  
Book value per share (Unadj.) Rs-1.673.9 -2.2%  
Shares outstanding (eoy) m485.06180.01 269.5%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.61.1 52.4%   
Avg P/E ratio x024.0 0.2%  
Avg P/CF ratio x010.7 0.4%  
Avg Price/Bookvalue ratio x-2.71.3 -214.3%  
Dividend payout %025.9 0.0%   
Avg Mkt Cap Rs m2,11716,664 12.7%   
No. of employees `000NANA-   
Total wages & salary Rs m137166 82.6%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m3,82215,764 24.2%  
Other income Rs m90,60721 439,841.3%   
Interest expense Rs m31514,138 2.2%   
Net interest income Rs m3,5071,625 215.8%  
Operating expense Rs m1,184540 219.1%   
Gross profit Rs m2,3231,085 214.1%  
Gross profit margin %60.86.9 883.2%  
Provisions/contingencies Rs m0869 0.0%   
Profit before tax Rs m90,138988 9,122.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m35,952294 12,227.4%   
Profit after tax Rs m54,186694 7,806.5%  
Net profit margin %1,417.84.4 32,200.0%  
BALANCE SHEET DATA
Advances Rs m00-   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-  
Cost of deposits %00-  
Net Interest Margin %1,215.10.7 173,194.0%  
Net fixed assets Rs m072 0.0%   
Share capital Rs m4,8511,800 269.5%   
Free reserves Rs m-5,63911,497 -49.0%   
Net worth Rs m-78813,298 -5.9%   
Borrowings Rs m0223,990 0.0%   
Investments Rs m289231,644 0.1%   
Total assets Rs m464245,248 0.2%  
Debt/equity ratio x016.8 -0.0%   
Return on assets %11,678.00.3 4,126,159.9%  
Return on equity %-6,873.75.2 -131,685.8%  
Capital adequacy ratio %-3,992.634.0 -11,739.4%  
Net NPAs %00-  
CASH FLOW
From Operations Rs m41,030-28,754 -142.7%  
From Investments Rs m1,032-10 -9,857.7%  
From Financial Activity Rs m-40,35131,591 -127.7%  
Net Cashflow Rs m-3692,827 -13.0%  

Share Holding

Indian Promoters % 0.7 74.1 1.0%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.6 0.1 1,570.0%  
FIIs % 0.0 0.1 -  
ADR/GDR % 0.0 0.0 -  
Free float % 99.3 25.9 382.8%  
Shareholders   960,349 83,752 1,146.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare RELIANCE HOME FINANCE With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    AAVAS FINANCIERS    


More on RELIANCE HOME FINANCE vs PNB GILTS

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

Here's a brief comparison:

RELIANCE HOME FINANCE vs PNB GILTS Share Price Performance

Period RELIANCE HOME FINANCE PNB GILTS
1-Day -4.73% 2.26%
1-Month -39.07% 0.13%
1-Year 29.06% 22.20%
3-Year CAGR -12.42% 20.28%
5-Year CAGR -7.79% 32.93%

* Compound Annual Growth Rate

Here are more details on the RELIANCE HOME FINANCE share price and the PNB GILTS share price.

Moving on to shareholding structures...

The promoters of RELIANCE HOME FINANCE hold a 0.7% stake in the company. In case of PNB GILTS the stake stands at 74.1%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of RELIANCE HOME FINANCE and the shareholding pattern of PNB GILTS.

Finally, a word on dividends...

In the most recent financial year, RELIANCE HOME FINANCE paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.

PNB GILTS paid Rs 1.0, and its dividend payout ratio stood at 25.9%.

You may visit here to review the dividend history of RELIANCE HOME FINANCE, and the dividend history of PNB GILTS.

For a sector overview, read our finance sector report.



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