GRUH Finance Ltd(Merged) (GRUH) — Share Price, Financials & Ratios

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Basic EPS

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Book Value per Share

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Cash Flow from Financing

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Cash Flow from Investing

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Deferred Tax

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Depreciation & Amortisation

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Dividend per Share

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EBIT

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Tapetide Score

Data-driven rating, 0–100. How it works →

Technical Indicators

Key Insights

Strengths

4

Company has delivered good profit growth of 20.4% CAGR over last 5 years
Company has a good return on equity (ROE) track record: 3 Years ROE 28.4%
Company has been maintaining a healthy dividend payout of 32.4%
Company's median sales growth is 20.0% of last 10 years

Weaknesses

2

Stock is trading at 12.3 times its book value
Company has low interest coverage ratio.

Growth Rate

Revenue Growth

21.00% →

Net Income Growth

6.00% →

Cash Flow Change

-

ROE

26.00% ↗

ROCE

-

EBITDA Margin (Avg.)

-

Quarterly Results

	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019
Sales	346	367	381	416	404	416	433	444	451	481	538	558	533
Expenses	32	36	54	25	37	53	50	2	31	44	30	4	27
Operating Profit	314	332	327	391	367	363	382	442	420	437	509	553	505
OPM %	91%	90%	86%	94%	91%	87%	88%	99%	93%	91%	94%	99%	95%
Other Income	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest	224	235	230	231	237	242	252	253	263	290	373	374	349
Depreciation	1	1	1	1	1	1	1	1	1	1	1	1	3
PBT	90	96	97	160	130	120	130	188	156	146	135	178	154
Tax %	33%	35%	34%	31%	26%	27%	30%	32%	26%	28%	28%	27%	25%
Net Profit	60	62	64	110	96	88	91	128	115	105	97	130	116
EPS in Rs	0.83	0.85	0.88	1.51	1.31	1.2	1.24	1.75	1.57	1.44	1.32	1.77	1.58

Show % Change

Figures in ₹ Crores

Profit & Loss

	Mar 2008	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	TTM
Sales	203	294	308	360	508	648	846	1,060	1,275	1,487	1,694	2,027	2,110
Expenses	21	24	33	33	39	47	56	80	103	123	139	107	106
Operating Profit	181	271	275	327	469	601	790	980	1,172	1,364	1,555	1,920	2,004
OPM %	89%	92%	89%	91%	92%	93%	93%	92%	92%	92%	92%	95%	95%
Other Income	1	1	1	1	6	2	0	0	0	0	0	0	0
Interest	122	201	180	201	310	404	544	678	807	920	985	1,301	1,386
Depreciation	1	1	1	2	2	2	2	1	3	3	3	3	5
PBT	59	70	94	126	163	197	244	301	362	442	567	615	613
Tax %	29%	28%	27%	27%	26%	26%	28%	32%	33%	33%	29%	27%	—
Net Profit	42	50	69	92	120	146	177	204	244	297	403	447	448
EPS in Rs	0.61	0.72	0.99	1.3	1.7	2.04	2.46	2.8	3.35	4.07	5.51	6.1	6.11
Div. Payout %	33%	33%	33%	42%	34%	31%	31%	36%	34%	34%	30%	33%	—

Show % Change

Figures in ₹ Crores

Balance Sheet

	Mar 2008	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019
Equity Capital	35	35	35	35	35	36	36	73	73	73	73	147
Reserves	156	186	230	283	350	455	571	639	763	1,040	1,482	1,745
Borrowings	1,773	2,245	2,323	2,962	3,829	4,911	6,480	8,207	10,259	12,055	13,969	16,507
Other Liabilities	59	69	80	110	121	198	156	262	349	417	261	267
Total Liabilities	2,022	2,535	2,668	3,390	4,336	5,600	7,243	9,181	11,443	13,586	15,785	18,666
Fixed Assets	9	9	10	12	12	12	11	14	15	14	15	15
CWIP	0	0	0	0	0	0	0	0	0	0	0	0
Investments	17	13	33	35	24	65	53	80	143	158	158	148
Other Assets	1,997	2,513	2,625	3,343	4,300	5,523	7,179	9,087	11,285	13,414	15,612	18,503
Total Assets	2,022	2,535	2,668	3,390	4,336	5,600	7,243	9,181	11,443	13,586	15,785	18,666

Show % Change

Figures in ₹ Crores

Cash Flow

	Mar 2008	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019
Operating	42	-541	6	—	—	—	—	—	—	—	—	—
Investing	-1	-1	-2	—	—	—	—	—	—	—	—	—
Financing	34	456	60	—	—	—	—	—	—	—	—	—
Net Cash Flow	75	-86	64	—	—	—	—	—	—	—	—	—
Free Cash Flow	41	-542	5	—	—	—	—	—	—	—	—	—
CFO/OP	35	-191	12	—	—	—	—	—	—	—	—	—

Show % Change

Figures in ₹ Crores

Ratios

	Mar 2008	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019
Debtor Days	0	0	0	0	0	0	0	0	0	0	0	0
Cash Conversion Cycle	0	0	0	0	0	0	0	0	0	0	0	0
Working Capital Days	8	-34	-63	156	165	176	166	151	149	185	-41	-35
ROCE %	11%	12%	11%	11%	13%	12%	13%	12%	12%	11%	11%	11%

Show % Change

Shareholding Pattern

	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019
Promoters	58.55%	58.55%	58.45%	58.36%	57.99%	57.95%	57.93%	57.93%	57.86%	57.83%	56.09%	47.43%
FIIs	14.22%	10.96%	11.34%	11.09%	11.56%	11.49%	10.83%	10.58%	10.47%	10.58%	10.76%	18.74%
DIIs	4.51%	8.10%	8.26%	8.60%	8.91%	9.19%	10.23%	10.29%	10.51%	10.58%	10.31%	11.83%
Government	0.27%	0.27%	0.27%	0.27%	0.27%	0.27%	0.27%	0.27%	0.27%	0.27%	0.27%	0.27%
Public	22.44%	22.12%	21.68%	21.68%	21.27%	21.10%	20.73%	20.92%	20.89%	20.74%	22.56%	21.73%
No. of Shareholders	41,054	42,028	40,525	43,385	43,697	43,812	47,181	57,107	61,108	64,837	73,434	72,213

Show % Change

	Mar 2017	Mar 2018	Mar 2019	Jun 2019
Promoters	58.45%	57.93%	56.09%	47.43%
FIIs	11.34%	10.83%	10.76%	18.74%
DIIs	8.26%	10.23%	10.31%	11.83%
Government	0.27%	0.27%	0.27%	0.27%
Public	21.68%	20.73%	22.56%	21.73%
No. of Shareholders	40,525	47,181	73,434	72,213

Show % Change

Documents

1

Concall - Apr 2017 Apr 2017

PPT

2

Concall - Oct 2017 Oct 2017

PPT

3

Concall - Jan 2018 Jan 2018

PPT

4

Concall - Apr 2018 Apr 2018

PPT

5

Concall - Jul 2018 Jul 2018

PPT

Frequently Asked Questions about GRUH Finance Ltd(Merged)

What does GRUH Finance Ltd(Merged) do?

GRUH Finance's principal business is to provide loans for purchase or construction of residential houses. The business is conducted through its branches in India and is supported by a network of Referral Associates for sourcing loans as well as deposits.(Source : 201903 Annual Report Page No: 86)

Where is GRUH Finance Ltd(Merged) (GRUH) listed?

GRUH Finance Ltd(Merged) is listed on the Indian stock exchanges. It is listed on NSE: GRUH. You can view its live share price, financials, and ratios on Tapetide.

How can I research GRUH Finance Ltd(Merged) on Tapetide?

On Tapetide, you can view GRUH Finance Ltd(Merged)'s live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.