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- Indian - finance
- BAJAJ FINANCE - HDFC
BAJAJ FINANCE vs HDFC - Comparison Results
Current Valuations
| BAJAJ FINANCE | HDFC | BAJAJ FINANCE/ HDFC |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 26.1 | 30.6 | 85.3% | View Chart |
| P/BV | x | 5.3 | 2.5 | 209.5% | View Chart |
| Dividend Yield | % | 0.6 | 1.6 | 34.6% |
Financials
 BAJAJ FINANCE  HDFC |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BAJAJ FINANCE Mar-24 |
HDFC Mar-23 |
BAJAJ FINANCE/ HDFC |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 8,190 | 2,855 | 286.8% | |
| Low | Rs | 5,633 | 2,027 | 277.9% | |
| Income per share (Unadj.) | Rs | 889.5 | 833.7 | 106.7% | |
| Earnings per share (Unadj.) | Rs | 233.8 | 142.6 | 164.0% | |
| Cash flow per share (Unadj.) | Rs | 573.1 | 692.5 | 82.8% | |
| Dividends per share (Unadj.) | Rs | 36.00 | 44.00 | 81.8% | |
| Avg Dividend yield | % | 0.5 | 1.8 | 28.9% | |
| Book value per share (Unadj.) | Rs | 1,224.7 | 1,090.0 | 112.4% | |
| Shares outstanding (eoy) | m | 618.01 | 1,834.56 | 33.7% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 7.8 | 2.9 | 265.4% | |
| Avg P/E ratio | x | 29.6 | 17.1 | 172.7% | |
| Avg P/CF ratio | x | 29.6 | 17.1 | 173.0% | |
| Avg Price/Bookvalue ratio | x | 5.6 | 2.2 | 252.0% | |
| Dividend payout | % | 15.4 | 30.9 | 49.9% | |
| Avg Mkt Cap | Rs m | 4,271,285 | 4,478,060 | 95.4% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 63,960 | 21,600 | 296.1% | |
| 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 | 549,695 | 1,529,403 | 35.9% | |
| Other income | Rs m | 130 | 21,598 | 0.6% | |
| Interest expense | Rs m | 188,860 | 370,286 | 51.0% | |
| Net interest income | Rs m | 360,835 | 1,159,117 | 31.1% | |
| Operating expense | Rs m | 161,112 | 965,098 | 16.7% | |
| Gross profit | Rs m | 199,722 | 194,018 | 102.9% | |
| Gross profit margin | % | 36.3 | 12.7 | 286.4% | |
| Provisions/contingencies | Rs m | 31 | 607 | 5.1% | |
| Profit before tax | Rs m | 193,096 | 321,306 | 60.1% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -15,389 | -0.0% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 48,584 | 44,308 | 109.7% | |
| Profit after tax | Rs m | 144,512 | 261,609 | 55.2% | |
| Net profit margin | % | 26.3 | 17.1 | 153.7% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 3,262,933 | 6,245,515 | 52.2% | |
| Deposits | Rs m | 601,509 | 1,109,979 | 54.2% | |
| Credit/Deposit ratio | x | 542.5 | 562.7 | 96.4% | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 6.7 | 9.4 | 71.8% | |
| Net Interest Margin | % | 10.1 | 11.1 | 90.7% | |
| Net fixed assets | Rs m | 32,499 | 98,012 | 33.2% | |
| Share capital | Rs m | 1,236 | 3,669 | 33.7% | |
| Free reserves | Rs m | 755,630 | 1,996,058 | 37.9% | |
| Net worth | Rs m | 756,866 | 1,999,727 | 37.8% | |
| Borrowings | Rs m | 443,327 | 876,846 | 50.6% | |
| Investments | Rs m | 313,203 | 4,173,582 | 7.5% | |
| Total assets | Rs m | 3,747,242 | 10,897,807 | 34.4% | |
| Debt/equity ratio | x | 1.4 | 1.0 | 138.9% | |
| Return on assets | % | 3.9 | 2.4 | 160.6% | |
| Return on equity | % | 19.1 | 13.1 | 145.9% | |
| Capital adequacy ratio | % | 22.5 | 0 | - | |
| Net NPAs | % | 0.5 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -727,601 | -473,285 | 153.7% | |
| From Investments | Rs m | -71,712 | -215,235 | 33.3% | |
| From Financial Activity | Rs m | 824,151 | 693,206 | 118.9% | |
| Net Cashflow | Rs m | 24,838 | 4,687 | 530.0% | |
Share Holding
| Indian Promoters | % | 54.7 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 35.9 | 87.9 | 40.9% | |
| FIIs | % | 20.8 | 63.6 | 32.7% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 45.3 | 100.0 | 45.3% | |
| Shareholders | 781,913 | 720,777 | 108.5% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare BAJAJ FINANCE With: BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS MANAPPURAM FINANCE TATA INVESTMENT
More on Bajaj Finance vs HDFC
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
Bajaj Finance vs HDFC Share Price Performance
| Period | Bajaj Finance | HDFC |
|---|---|---|
| 1-Day | -2.08% | -0.62% |
| 1-Month | -4.72% | 3.39% |
| 1-Year | -9.00% | 22.62% |
| 3-Year CAGR | -2.90% | 13.92% |
| 5-Year CAGR | 9.41% | 6.83% |
* Compound Annual Growth Rate
Here are more details on the Bajaj Finance share price and the HDFC share price.
Moving on to shareholding structures...
The promoters of Bajaj Finance hold a 54.7% stake in the company. In case of HDFC the stake stands at 0.0%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of Bajaj Finance and the shareholding pattern of HDFC.
Finally, a word on dividends...
In the most recent financial year, Bajaj Finance paid a dividend of Rs 36.0 per share. This amounted to a Dividend Payout ratio of 15.4%.
HDFC paid Rs 44.0, and its dividend payout ratio stood at 30.9%.
You may visit here to review the dividend history of Bajaj Finance, and the dividend history of HDFC.
For a sector overview, read our finance sector report.
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