Housing Development Finance Corporation

HDFC position long William Strong

Thesis

HDFC has been in the mortgage origination business for a long time and generates 20%-plus returns on equity. The company has grown its mortgage book by 24% per year over the last ten years and has maintained strong earnings and book value growth at 20% for the same period. Their management has developed a very low operating cost business model, which contributes to their competitive advantage in the financial sector.

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