What is Gruh Finance . - (Amalgamated) share price return in the past 10 years?

Gruh Finance Ltd. - (Amalgamated) share price has appreciated 9.8% annually (CAGR) over the past ten years.

What is the P/E ratio of Gruh Finance . - (Amalgamated)?

The latest standalone P/E ratio of Gruh Finance . - (Amalgamated) as of 15-Oct-2019 is 52.02.

What is the P/B ratio of Gruh Finance . - (Amalgamated)?

The latest standalone P/B ratio of Gruh Finance . - (Amalgamated) as of 15-Oct-2019 is 11.67.

What is the 52-week high and low of Gruh Finance . - (Amalgamated)?

The 52-week high of Gruh Finance . - (Amalgamated) is Rs. 327.05 and the 52-week low is Rs. 304.00.

Gruh Finance Ltd. - (Amalgamated) - Stock Valuation and Financial Performance

Name: Gruh Finance . - (Amalgamated)
Brand: Gruh Finance . - (Amalgamated)

BSE: 511288 | NSE: GRUH | Finance - Housing | Small Cap

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Gruh Fin.-Amalgamat Share Price

₹317.30 0.00 0.00%
as on 15-Oct'19 18:59

DeciZen - make an informed investing decision on Gruh Fin.-Amalgamat

Based on:

Data

M-Cap below 100cr DeciZen not available

Gruh Finance Ltd. - (Amalgamated) stock performance -

PE Chart Key Ratios

P/E Ratio (SA):

52.02

Market Cap:

23,291.9 Cr.

52-wk low:

304

52-wk high:

327.1

Is an attractive stock to invest in?

1. Is a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that Gruh Finance Ltd. - (Amalgamated) is a good quality company.

2. Is undervalued or overvalued?

The key valuation ratios of Gruh Finance Ltd. - (Amalgamated)'s currently when compared to its past seem to suggest it is in the Overvalued zone.

3. Is a good buy now?

No data found

10 Year X-Ray of Gruh Fin.-Amalgamat:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Standalone Basis ^P Consolidated Basis

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'10	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	TTM
Operating Income (₹ Cr.)	312	361	514	650	846	1,060	1,275	1,487	1,693	2,026	2,111
YoY Gr. Rt. %	-	15.9%	42.4%	26.5%	30%	25.4%	20.3%	16.6%	13.9%	19.7%	-
Adj EPS (₹ )	1	1.3	1.7	2	2.5	2.8	3.4	4.1	5.5	6.1	6.1
YoY Gr. Rt. %	-	31.3%	30.8%	20%	20.6%	13.8%	19.6%	21.5%	35.4%	10.7%	-
BVPS (₹ )	3.8	4.5	5.5	6.9	8.4	9.8	11.5	15.3	21.1	25.6	27.2
YoY Gr. Rt. %	-	18.6%	20.8%	26%	22.5%	16.1%	17.3%	33%	38.1%	21.6%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	2.6	2.9	3	2.8	2.7	2.4	2.3	2.3	2.6	2.5	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	23.1%	19.1%	16.7%	19.7%
Adj EPS	22.4%	19.9%	22.1%	10.7%
BVPS	23.6%	24.9%	30.7%	21.6%
Share Price	9.8%	-	-	-

Key Financial Ratios


RATIOS \ YEARS	Mar'10	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	TTM
Asset Quality Ratio	To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0	0	0	0.1	0	0.1	0	0	0	0	-
Capitalization Ratio	To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	16.6	13.3	14	14.6	16.4	15.4	17.8	18.3	18.9	0	-
Margins
Net Profit Margin (%)	22.1	25.3	23.4	22.4	20.9	19.2	19.1	19.9	23.8	22.1	21.2
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	28.4	31.4	34.2	33.3	32.2	30.9	31.5	30.5	30.3	26.1	22.4

Recent Performance Summary

No data to display

Return on Equity has declined versus last 3 years average to %

Latest Financials - Gruh Finance Ltd. - (Amalgamated)

	Standalone	Consolidated
TTM EPS (₹)	6.1	-
TTM Sales (₹ Cr.)	2,111	-
BVPS (₹.) ⓘ	27.2	-
Reserves (₹ Cr.) ⓘ	1,850	-
P/BV ⓘ	11.67	-
PE ⓘ	52.02	-

From the Market
52 Week Low / High (₹)	304.00 / 327.05
All Time Low / High (₹)	0.16 / 381.95
Market Cap (₹ Cr.)	23,292
Equity (₹ Cr.)	146.8
Face Value (₹)	2
Industry PE ⓘ	18.8

Management X-Ray of Gruh Fin.-Amalgamat:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of Gruh Fin.-Amalgamat

Analyst's Notes

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Key Ratios of Gruh Fin.-Amalgamat

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'10	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19
Income	312.54	361.27	514.24	650.45	846.16	1,060.32	1,275.40	1,487.39	1,693.74	2,047.80
Interest Income	311.67	361.07	514.17	650.44	845.69	1,060.32	1,275.40	1,487.39	1,693.45	2,026.19
Other Income ⓘ	0.87	0.20	0.07	0.01	0.47	0	0	0	0.29	21.61
Expenditure ⓘ	218.12	235.70	351.48	453.64	601.70	759.48	913.70	1,045.39	1,126.59	1,432.76
Interest Expense ⓘ	180.20	200.92	310.10	404.42	543.63	677.73	807.41	919.62	984.80	1,301.20
Operating Expenses ⓘ	24.13	31.51	38.12	45.02	54.01	62.10	79.34	87.43	98.85	111.33
Provisions	13.79	3.27	3.26	4.20	4.06	19.65	26.95	38.34	42.94	20.23
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	0	0
Profit Before Tax ⓘ	94.42	125.57	162.76	196.81	244.46	300.84	361.70	442	567.15	615.04
Taxes ⓘ	25.47	34.06	42.42	50.93	67.50	97.04	118.12	145.35	164.40	167.84
Profit After Tax	68.96	91.51	120.34	145.88	176.96	203.80	243.58	296.65	402.75	447.20
Adjusted EPS (₹)	1.0	1.3	1.7	2.0	2.5	2.8	3.4	4.1	5.5	6.1
Dividend Payout Ratio (%)	33%	42%	34%	31%	31%	36%	34%	34%	30%	33%

Balance Sheet

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'10	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19
Equity and Liabilities
Equity Capital	264.63	317.94	385.55	490.99	607.24	711.49	835.30	1,113.21	1,555.24	1,891.44
Share Capital ⓘ	34.73	35.16	35.30	35.70	36.03	72.68	72.74	72.91	73.14	146.74
Reserves ⓘ	229.90	282.78	350.25	455.29	571.21	638.81	762.56	1,040.30	1,482.10	1,744.70
Minority Interest	0	0	0	0	0	0	0	0	0	0
Long Term Borrowings	2,313.78	2,036.09	3,095.82	3,982.11	5,398.83	7,118.08	9,306.43	11,376.99	750.96	925.50
Current Liabilities	178.50	1,158.95	1,067.81	1,339.53	1,513.26	1,724	1,771.80	1,685.50	14,187.49	16,724.79
Trade Payables	0.86	1.77	1.18	0.75	0.80	0.92	1.18	4.83	2.87	2.83
Short term borrowings	0	299.52	232.35	68.77	472.99	973.18	23.89	22.99	12,529.54	15,012.90
Other Liabilities	-0.86	-301.29	-233.53	-69.52	-473.79	-974.10	-25.07	-27.82	-12,532.41	-15,015.73
Total Liabilities ⓘ	2,756.91	3,512.97	4,549.18	5,812.63	7,519.33	9,553.57	11,913.53	14,175.70	16,493.69	19,541.73
Assets
Non Current Asset	2,495.93	3,203.10	4,077.77	5,319.55	6,953.76	8,869.15	11,084.12	13,265.46	16,254.10	18,249.65
Loan Asset	2,453.70	3,176.85	3,788.12	5,015.35	6,579.62	8,390.93	10,497.33	12,431.44	15,451.57	17,288.28
Other Non Current Asset ⓘ	42.23	26.25	289.65	304.20	374.14	478.22	586.79	834.02	802.53	961.37
Current Asset	260.98	309.87	471.41	493.08	565.57	684.42	829.41	910.24	239.59	1,292.08
Current Investment	0	22.23	0.10	24.81	9.68	29.32	109.97	0	157.94	148.27
Other Current Asset	260.98	287.65	471.31	468.27	555.89	655.10	719.44	910.24	81.65	1,143.81
Total Assets ⓘ	2,756.91	3,512.97	4,549.18	5,812.63	7,519.33	9,553.57	11,913.53	14,175.70	16,493.69	19,541.73

Cash Flow

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'10	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19
Cash Flow From Operating Activity ⓘ	6.41	-660.99	-800.82	-1,145.66	-1,486.80	-1,716.40	-1,918.73	-1,710.76	-1,893.66	-1,432.15
Cash Flow From Investing Activity ⓘ	-1.72	-4.50	-2	-2.28	-1.08	-4.27	-4.43	3.41	4.92	49.11
Cash Flow From Financing Activity ⓘ	59.67	623.59	824.10	1,046.08	1,490.43	1,713.30	1,942.31	1,692.46	1,895.20	2,418.41
Net Cash Flow ⓘ	64.35	-41.90	21.28	-101.86	2.55	-7.37	19.15	-14.89	6.46	1,035.37

Finance Ratio

Standalone Basis Consolidated Basis

PARTICULARS	Mar'10	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19
Operational & Financial Ratios
EPS (₹)	20	26	34	8	10	6	7	8	11	6
DPS (₹)	7	11	12	3	3	2	2	3	3	2
BVPS (₹)	76	90	109	28	34	20	23	31	42	26
Performance Ratios
ROA (%)	2.6	2.9	3.0	2.8	2.7	2.4	2.3	2.3	2.6	2.5
ROE (%)	28.4	31.4	34.2	33.3	32.2	30.9	31.5	30.5	30.3	26.1
ROCE (%)	10.9	11.1	12.6	12.5	12.7	12.3	11.7	11.2	11.4	12.4
Valuation Parameters
Price/Book(x)	2.9	4.0	5.8	7.6	8.7	12.4	10.4	13.0	13.7	10.8

Gruh Finance Ltd. - (Amalgamated) Stock News

Gruh Finance Ltd. - (Amalgamated) FAQs

What is the share price of Gruh Fin.-Amalgamat?

Company share prices are keep on changing according to the market conditions. The closing price of Gruh Fin.-Amalgamat on 15-Oct-2019 18:59 is ₹317.3.

What is the market cap of Gruh Fin.-Amalgamat?

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 15-Oct-2019 18:59 the market cap of Gruh Fin.-Amalgamat stood at ₹23,291.9.

What is the P/E ratio of Gruh Fin.-Amalgamat?

The latest P/E ratio of Gruh Fin.-Amalgamat as of 15-Oct-2019 18:59 is 52.02.

What is the P/B ratio of Gruh Fin.-Amalgamat?

The latest P/B ratio of Gruh Fin.-Amalgamat as of 15-Oct-2019 18:59 is 11.67.

What is the 52-week high and low of Gruh Fin.-Amalgamat?

The 52-week high of Gruh Fin.-Amalgamat is ₹327.1 and the 52-week low is ₹304.0.

What is the TTM revenue of Gruh Fin.-Amalgamat?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Gruh Fin.-Amalgamat is ₹2,111 ( Cr.) .

About Gruh Finance Ltd. - (Amalgamated)

Incorporated in 1986, GRUH Finance is primarily engaged in the business of providing long term finance to individuals for construction, purchase, extension, repair and renovation of their homes. It also provides loans to professionals for office premises.

The company has been recognized by the National Housing Bank (NHB), the apex body for regulating the housing finance industry in India, and has been awarded the certificate of registration to carry out the housing finance business in India and also accept retail deposits from the public.

GRUH offers friendly savings options with its Multiple Option Deposit Schemes. The deposits carry dual rating from renowned rating agencies like CRISIL and ICRA.GRUH Home Deposits are rated â€˜FAA+â€™ by CRISIL and â€˜MAA+â€™ by ICRA both representing high safety.

With wide network of more than 80 retail offices spread across the states of Gujrat, Maharastra, Rajasthan, Madhya Pradesh, Karnatala, Chattisgarh and Tamil Nadu, GRUH caters to a wide segment of the population helping people build homes of their dreams and managing their saving by providing safe and secure saving options.

GRUH is regarded as a trustworthy and professional company providing high quality services by its strong customer base of more than 90,000 customers. The companyâ€™s FCD issue in 1994-95 was oversubscribed.

Products:

a) Housing Loans â€“ GRUH offers the below housing loans:

Gruh Suraksha
Gruh Suvidha
Gruh Sajavat
Gruh Samruddhi
Gruh Shubh Labh
Gruh Sahyog

b) Deposit Plans â€“ The various deposit plans offered by the company are:

Gruh Fixed Deposit
Monthly Income Plan
Quarterly Income Plan
Annual Income Plan
Cumulative Growth

c) Insurance - The company has entered into a tie up with Oriental Insurance Company to offer property insurance. Besides, it also has a tie up with HDFC Standard Life Insurance to provide life insurance cover.

Fellow Subsidiaries:

Housing Development Finance Corporation (HDFC) which holds 54.49% stake in GRUH is the holding company of GRUH. The companyâ€™s fellow subsidiaries are: