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UNITED CRED. vs RELIANCE HOME FINANCE - Comparison Results

Rs 100 invested in...

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Current Valuations

    UNITED CRED. RELIANCE HOME FINANCE UNITED CRED./
RELIANCE HOME FINANCE
 
P/E (TTM) x 8.8 -12.2 - View Chart
P/BV x 0.6 - - View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNITED CRED.   RELIANCE HOME FINANCE
EQUITY SHARE DATA
    UNITED CRED.
Mar-24
RELIANCE HOME FINANCE
Mar-23
UNITED CRED./
RELIANCE HOME FINANCE
5-Yr Chart
Click to enlarge
High Rs307 452.0%   
Low Rs122 569.2%   
Income per share (Unadj.) Rs6.47.9 80.9%  
Earnings per share (Unadj.) Rs3.1111.7 2.7%  
Cash flow per share (Unadj.) Rs7.6188.3 4.0%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs54.4-1.6 -3,346.3%  
Shares outstanding (eoy) m5.33485.06 1.1%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x3.30.6 593.3%   
Avg P/E ratio x6.80 17,465.8%  
Avg P/CF ratio x6.80 17,465.8%  
Avg Price/Bookvalue ratio x0.4-2.7 -14.3%  
Dividend payout %00-   
Avg Mkt Cap Rs m1122,117 5.3%   
No. of employees `000NANA-   
Total wages & salary Rs m7137 5.4%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m343,822 0.9%  
Other income Rs m790,607 0.0%   
Interest expense Rs m0315 0.0%   
Net interest income Rs m343,507 1.0%  
Operating expense Rs m201,184 1.6%   
Gross profit Rs m142,323 0.6%  
Gross profit margin %42.360.8 69.5%  
Provisions/contingencies Rs m00-   
Profit before tax Rs m2190,138 0.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m435,952 0.0%   
Profit after tax Rs m1654,186 0.0%  
Net profit margin %48.21,417.8 3.4%  
BALANCE SHEET DATA
Advances Rs m00-   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-  
Cost of deposits %00-  
Net Interest Margin %33.31,215.1 2.7%  
Net fixed assets Rs m20-   
Share capital Rs m554,851 1.1%   
Free reserves Rs m235-5,639 -4.2%   
Net worth Rs m290-788 -36.8%   
Borrowings Rs m00-   
Investments Rs m102289 35.3%   
Total assets Rs m298464 64.3%  
Debt/equity ratio x00-   
Return on assets %5.511,678.0 0.0%  
Return on equity %5.6-6,873.7 -0.1%  
Capital adequacy ratio %0-3,992.6 -0.0%  
Net NPAs %00-  
CASH FLOW
From Operations Rs m541,030 0.0%  
From Investments Rs mNA1,032 -0.0%  
From Financial Activity Rs m-1-40,351 0.0%  
Net Cashflow Rs m5-369 -1.3%  

Share Holding

Indian Promoters % 57.3 0.7 7,744.6%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.5 1.6 34.4%  
FIIs % 0.0 0.0 -  
ADR/GDR % 0.0 0.0 -  
Free float % 42.7 99.3 43.0%  
Shareholders   2,516 960,349 0.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED CRED. With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    AAVAS FINANCIERS    


More on UNITED CRED. vs RELIANCE HOME FINANCE

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

Here's a brief comparison:

UNITED CRED. vs RELIANCE HOME FINANCE Share Price Performance

Period UNITED CRED. RELIANCE HOME FINANCE
1-Day -3.69% -4.73%
1-Month 17.65% -39.07%
1-Year 66.02% 29.06%
3-Year CAGR 35.72% -12.42%
5-Year CAGR 13.26% -7.79%

* Compound Annual Growth Rate

Here are more details on the UNITED CRED. share price and the RELIANCE HOME FINANCE share price.

Moving on to shareholding structures...

The promoters of UNITED CRED. hold a 57.3% stake in the company. In case of RELIANCE HOME FINANCE the stake stands at 0.7%.

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

Finally, a word on dividends...

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

RELIANCE HOME FINANCE paid Rs 0.0, and its dividend payout ratio stood at 0.0%.

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

For a sector overview, read our finance sector report.



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