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- ARMAN FINANCIAL - L&T FINANCE
ARMAN FINANCIAL vs L&T FINANCE - Comparison Results
Current Valuations
| ARMAN FINANCIAL | L&T FINANCE | ARMAN FINANCIAL/ L&T FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 9.6 | 13.5 | 70.8% | View Chart |
| P/BV | x | 1.7 | 1.5 | 110.9% | View Chart |
| Dividend Yield | % | 0.0 | 1.8 | - |
Financials
 ARMAN FINANCIAL  L&T FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| ARMAN FINANCIAL Mar-24 |
L&T FINANCE Mar-24 |
ARMAN FINANCIAL/ L&T FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 2,676 | 179 | 1,495.0% | |
| Low | Rs | 1,325 | 82 | 1,608.0% | |
| Income per share (Unadj.) | Rs | 631.2 | 54.6 | 1,156.7% | |
| Earnings per share (Unadj.) | Rs | 165.6 | 9.3 | 1,776.8% | |
| Cash flow per share (Unadj.) | Rs | -189.7 | 41.0 | -462.7% | |
| Dividends per share (Unadj.) | Rs | 0 | 2.50 | 0.0% | |
| Avg Dividend yield | % | 0 | 1.9 | 0.0% | |
| Book value per share (Unadj.) | Rs | 769.2 | 93.7 | 820.6% | |
| Shares outstanding (eoy) | m | 10.48 | 2,488.94 | 0.4% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 3.2 | 2.4 | 132.3% | |
| Avg P/E ratio | x | 12.1 | 14.0 | 86.1% | |
| Avg P/CF ratio | x | 2.7 | 13.9 | 19.7% | |
| Avg Price/Bookvalue ratio | x | 2.6 | 1.4 | 186.5% | |
| Dividend payout | % | 0 | 26.8 | 0.0% | |
| Avg Mkt Cap | Rs m | 20,959 | 325,304 | 6.4% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 716 | 18,064 | 4.0% | |
| Avg. income/employee | Rs Th | 0 | 0 | - | |
| Avg. wages/employee | Rs Th | 0 | 0 | - | |
| Avg. net profit/employee | Rs Th | 0 | 0 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 6,615 | 135,806 | 4.9% | |
| Other income | Rs m | 1 | 21,574 | 0.0% | |
| Interest expense | Rs m | 2,658 | 54,001 | 4.9% | |
| Net interest income | Rs m | 3,957 | 81,805 | 4.8% | |
| Operating expense | Rs m | 1,662 | 71,941 | 2.3% | |
| Gross profit | Rs m | 2,294 | 9,864 | 23.3% | |
| Gross profit margin | % | 34.7 | 7.3 | 477.6% | |
| Provisions/contingencies | Rs m | 5,931 | 214 | 2,771.9% | |
| Profit before tax | Rs m | 2,281 | 30,290 | 7.5% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 30 | 0.0% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 545 | 7,119 | 7.7% | |
| Profit after tax | Rs m | 1,736 | 23,201 | 7.5% | |
| Net profit margin | % | 26.2 | 17.1 | 153.6% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 0 | 813,594 | 0.0% | |
| Deposits | Rs m | 0 | 0 | - | |
| Credit/Deposit ratio | x | 0 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 0 | - | |
| Net Interest Margin | % | 5,558.5 | 8.6 | 64,351.3% | |
| Net fixed assets | Rs m | 77 | 5,194 | 1.5% | |
| Share capital | Rs m | 105 | 24,889 | 0.4% | |
| Free reserves | Rs m | 7,956 | 208,398 | 3.8% | |
| Net worth | Rs m | 8,061 | 233,288 | 3.5% | |
| Borrowings | Rs m | 2,261 | 224,028 | 1.0% | |
| Investments | Rs m | 71 | 133,480 | 0.1% | |
| Total assets | Rs m | 26,680 | 1,008,606 | 2.6% | |
| Debt/equity ratio | x | 0.3 | 1.0 | 29.2% | |
| Return on assets | % | 6.5 | 2.3 | 282.8% | |
| Return on equity | % | 21.5 | 9.9 | 216.5% | |
| Capital adequacy ratio | % | 62.7 | 22.8 | 274.7% | |
| Net NPAs | % | 0.9 | 1.7 | 55.1% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -3,024 | 6,735 | -44.9% | |
| From Investments | Rs m | 184 | 8,486 | 2.2% | |
| From Financial Activity | Rs m | 3,764 | -70,374 | -5.3% | |
| Net Cashflow | Rs m | 924 | -55,153 | -1.7% | |
Share Holding
| Indian Promoters | % | 22.1 | 66.3 | 33.3% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 9.9 | 19.1 | 52.1% | |
| FIIs | % | 4.9 | 6.7 | 72.8% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 77.9 | 33.7 | 231.2% | |
| Shareholders | 36,339 | 787,291 | 4.6% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare ARMAN FINANCIAL With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS INDOSTAR CAPITAL
More on ARMAN LEASIN vs L&T FINANCE
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
ARMAN LEASIN vs L&T FINANCE Share Price Performance
| Period | ARMAN LEASIN | L&T FINANCE |
|---|---|---|
| 1-Day | 0.39% | 0.87% |
| 1-Month | -14.40% | -11.52% |
| 1-Year | -41.72% | 0.25% |
| 3-Year CAGR | 10.21% | 20.97% |
| 5-Year CAGR | 18.56% | 8.51% |
* Compound Annual Growth Rate
Here are more details on the ARMAN LEASIN share price and the L&T FINANCE share price.
Moving on to shareholding structures...
The promoters of ARMAN LEASIN hold a 22.1% stake in the company. In case of L&T FINANCE the stake stands at 66.3%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of ARMAN LEASIN and the shareholding pattern of L&T FINANCE.
Finally, a word on dividends...
In the most recent financial year, ARMAN LEASIN paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.
L&T FINANCE paid Rs 2.5, and its dividend payout ratio stood at 26.8%.
You may visit here to review the dividend history of ARMAN LEASIN, and the dividend history of L&T FINANCE.
For a sector overview, read our finance sector report.
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