HUL pre pandemic

HUL pre pandemic HUL Income Statement Analysis  

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Operating income during the year rose 1.2% on a year-on-year (YoY) basis. The company's operating profit increased by 11.0% YoYo during the fiscal. Operating profit margins witnessed a fall and down at 24.8% in FY20 as against 22.6% in FY19. Depreciation charges increased by 77.3% and finance costs increased by 257.6% Yoyo, respectively. Other income grew by 14.9% Yoyo. Net profit for the year grew by 11.6% Yoyo. Net profit margins during the year grew from 15.2% in FY19 to 16.7% in FY20.

HUL Share Price Performance Over the last one year, HUL share price has moved up from Rs 1,744.9 to Rs 2,216.3, registering a gain of Rs 471.4 or around 27.0%. Meanwhile, the S&P BSE FMCG Index is trading at Rs 11,600.1 (up 1.4%). Over the last one year it has moved up from 10,943.2 to 11,600.1, a gain of 657 points (up 6.0%). Overall, the S&P BSE SENSEX is up 3.6% over the year. HUL post pandemic

SBI pre pandemic The Company witnessed a growth and consistent performance in FY 2019. The key financial parameters of the Company are as follows: • New Business Premium (NBP) has increased by 26% from Rs. 109.66 billion in FY2018 to Rs. 137.92 billion in FY2019. • Individual rated premium (IRP) has increased by 15% from Rs. 77.88 billion in FY 2018 to Rs. 89.55 billion in FY 2019 with Private market share of 22.3%. • Total protection new business premium has increased by 174% from Rs. 6.0 billion in FY 2018 to Rs. 16.43 billion in FY 2019. The share of total protection NBP (individual and group) has increased from 5.5% in FY 2018 to 11.9% in FY 2019. • Individual protection business has increased by 511% to Rs. 3.71 billion in FY 2019 from Rs. 0.61 billion in FY 2018. • APE has increased by 14% to Rs. 97.02 billion over previous year primarily due to increase in individual NBP generated through banc assurance channel. • GWP has increased by 30% to Rs. 329.89 billion primarily due to increase in renewal premium by 33% from Rs. 143.88 billion to Rs. 191.97 billion. • The Company’s profit after tax grew by 15% to Rs. 13.27 billion in FY 2019 from Rs. 11.50 billion in FY 2018. • The operating expense ratio (Operating Expense to GWP) stands at 6.4% in FY 2019 as against 6.8% in FY2018. • AUM has grown by 21% from Rs. 1,162.61 billion as of March 31, 2018 to Rs. 1,410.24 billion as of March 31, 2019 with debt-equity mix of 77:23. • Solvency ratio of the Company stands at 2.13 as against the regulatory requirement of 1.5 indicating the strong & stable financial health of the Company. • The 13th month persistency ratio (based on premium) improved to 85.1% in FY 2019 from 83.0% in FY 2018.

• Indian Embedded Value of the Company stands at Rs. 224.02 billion, as on March 31, 2019 as compared to Rs. 190.70 billion as on March 31, 2018. Value of New Business grew by 24% from Rs. 13.85 billion to Rs. 17.19 billion in FY 2019 leading to an increase in value of new business margin from 16.2% to 17.7% in FY 2019.

SBI post pandemic