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❯ Building sector comparison...
Deposit franchise quality and underwriting discipline remain the cleanest separators in large-cap banking.
| Company | M.Cap | Price | P/E | P/B | ROE | ROCE | D/E | Div Yield | 1Y Return |
|---|---|---|---|---|---|---|---|---|---|
| Aditya Birla Capital Ltd | ₹94,829 Cr | ₹346.35 | 22.4 | 2.6 | 11.9% | —% | 4.9 | 0.0% | +9.31% |
| Bajaj Housing Finance Ltd | — | — | — | — | 12.4% | —% | 4.9 | — | -7.99% |
| PNB Housing Finance Ltd | ₹28,297 Cr | ₹1,085 | 12.2 | 1.5 | 12.7% | —% | — | 0.7% | +15.61% |
| Aadhar Housing Finance Ltd | ₹19,504 Cr | ₹444.9 | 17.3 | 2.6 | 15.8% | —% | — | 0.0% | -5.81% |
| Sammaan Capital Ltd | — | — | — | — | -35.0% | —% | 2.7 | — | -15.86% |
| Edelweiss Financial Services Ltd | — | — | — | — | 15.0% | —% | — | — | +13.4% |
| Home First Finance Company India Ltd | ₹10,568 Cr | ₹1,010.7 | 18.3 | 2.4 | 15.7% | —% | 2.4 | 0.5% | +0.29% |
| Aptus Value Housing Finance India Ltd | ₹9,755 Cr | ₹194.78 | 9.9 | 1.9 | 20.1% | —% | — | 2.6% | -17.34% |
| AAVAS Financiers Ltd | ₹8,853 Cr | ₹1,116.4 | 13.0 | 1.8 | 13.9% | —% | — | 0.0% | -19.27% |
| India Shelter Finance Corporation Ltd | ₹6,830 Cr | ₹625.5 | 13.2 | 2.1 | 17.0% | —% | — | 1.6% | -20.02% |
| Anand Rathi Share And Stock Brokers Ltd | ₹2,780 Cr | ₹440.5 | 17.6 | 2.0 | 13.9% | —% | 0.6 | 1.1% | -7.25% |
| Repco Home Finance Ltd | ₹1,957 Cr | ₹312.8 | 4.1 | 0.5 | 12.4% | —% | — | 3.8% | -23.0% |
| Grand Oak Canyons Distillery Ltd | — | — | — | — | 0.0% | —% | — | — | +4.30% |
| Crest Ventures Ltd | ₹973 Cr | ₹344 | 28.4 | 0.7 | 3.8% | —% | — | 0.3% | -8.93% |
| Centrum Capital Ltd | — | — | — | — | -94.9% | —% | — | — | -30.61% |
| GIC Housing Finance Ltd | ₹683 Cr | — | 4.3 | 0.3 | 7.6% | —% | — | 3.6% | -21.32% |
| Digispice Technologies Ltd-$ | — | — | — | — | 8.5% | —% | — | — | -33.88% |
| IL&FS Investment Managers Ltd | ₹239 Cr | — | 50.6 | 1.3 | 2.4% | —% | — | 16.0% | -4.77% |
| SRG Housing Finance Ltd | ₹159 Cr | — | 4.6 | 0.5 | 11.6% | —% | 2.9 | 0.0% | -65.37% |
| RR Financial Consultants Ltd | ₹70 Cr | — | 9.0 | 1.3 | 15.7% | —% | 0.2 | 0.0% | +306.45% |
| Transwarranty Finance Ltd | — | — | — | — | -14.8% | —% | — | — | -25.14% |
| India Home Loan Ltd | ₹47 Cr | — | 323.7 | 1.0 | 0.2% | —% | 1.1 | 0.0% | -8.27% |
| GDL Leasing & Finance Ltd | ₹41 Cr | — | 68.7 | 6.0 | 12.5% | —% | 0.1 | 0.0% | 0.00% |
| Sahara Housingfina Corporation Ltd | — | — | — | — | 0.7% | —% | 0.3 | — | -10.74% |
| Melstar Information Technologies Ltd | ₹1 Cr | — | 0.0 | 0.2 | -36.0% | —% | — | — | -98.0% |
Indian banking sector has undergone massive transformation post the NPA crisis of 2015-2018. Asset quality across the system is at decadal highs with gross NPAs below 3% for the first time in years. Private banks continue to gain deposit market share from PSU banks, driven by superior technology, service quality, and branch expansion.
The HDFC-HDFC Bank merger has created a lending giant with unmatched distribution. Credit growth is healthy at 14-16% driven by retail and MSME segments. Key metrics to watch: Net Interest Margin (NIM), CASA ratio, Provision Coverage Ratio, and Return on Assets.
The sector trades at 2-3x book value for quality names, with PSU banks offering value at 0.8-1.2x book.
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