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GRUH Finance

Merged
GRUH NSE
This company has merged into another and is no longer traded.
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MCP

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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.

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bullish3412
OscillatorsBearish342
Moving AveragesStrong Bullish0010

Key readings

RSI (14)
73.44
Bearish
MACD (12,26,9)
11.18
Bullish
SMA (50)
258.75
Bullish
SMA (200)
272.58
Bullish

As of , the latest day with price data, so these readings are not current.

Growth Rate

Annual windows: The latest annual results are more than two years old, so no annual growth is shown.

Trailing twelve months: The latest quarterly results are more than a year old.

Quarterly Results

₹ Cr

Results for the period ended Sep 2019 were due by 14 Nov 2019 and are not in this table yet.

GRUH quarterly results, ₹ crore
Particulars Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 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 (₹)
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

Profit & Loss

₹ Cr
GRUH profit and loss, annual, ₹ crore
Particulars Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019TTM
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 (₹)
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%
—

Balance Sheet

₹ Cr
GRUH balance sheet, annual, ₹ crore
Particulars Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 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

Cash Flow

₹ Cr
GRUH cash flow, annual, ₹ crore
Particulars Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 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
—
—
—
—
—
—
—
—
—

Ratios

GRUH financial ratios, annual
Particulars Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 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%

Insights

Beta

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

Log in to view GRUH Finance insights

63 extracted metrics across FY08–FY20.

Shareholding Pattern

Latest filing: Jun 2019

As of Jun 2019

  • Promoters 47.43%
  • Public 21.73%
  • FIIs 18.74%
  • DIIs 11.83%
  • Government 0.27%

Pledge data not available

Change since Mar 2019

Documents

  • Q1 FY20 concall · Jul 2019
    PPT
  • Q4 FY19 concall · May 2019
    PPT
  • Concall · Jan 2019
    PPT
  • Q2 FY19 concall · Oct 2018
    PPT
  • Q1 FY19 concall · Jul 2018
    PPT

Frequently Asked Questions about GRUH Finance

What does GRUH Finance Ltd 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.
Where is GRUH Finance Ltd (GRUH) listed?
GRUH Finance Ltd trades as GRUH on the NSE.

Company Information

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.

Website gruh.com
Face Value ₹2

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