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- BAJAJ FINANCE - L&T FINANCE
BAJAJ FINANCE vs L&T FINANCE - Comparison Results
Current Valuations
| BAJAJ FINANCE | L&T FINANCE | BAJAJ FINANCE/ L&T FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 26.6 | 13.5 | 196.6% | View Chart |
| P/BV | x | 5.4 | 1.5 | 361.9% | View Chart |
| Dividend Yield | % | 0.5 | 1.8 | 30.5% |
Financials
 BAJAJ FINANCE  L&T FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BAJAJ FINANCE Mar-24 |
L&T FINANCE Mar-24 |
BAJAJ FINANCE/ L&T FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 8,190 | 179 | 4,575.4% | |
| Low | Rs | 5,633 | 82 | 6,835.9% | |
| Income per share (Unadj.) | Rs | 889.5 | 54.6 | 1,630.1% | |
| Earnings per share (Unadj.) | Rs | 233.8 | 9.3 | 2,508.5% | |
| Cash flow per share (Unadj.) | Rs | 573.1 | 41.0 | 1,397.8% | |
| Dividends per share (Unadj.) | Rs | 36.00 | 2.50 | 1,440.0% | |
| Avg Dividend yield | % | 0.5 | 1.9 | 27.2% | |
| Book value per share (Unadj.) | Rs | 1,224.7 | 93.7 | 1,306.6% | |
| Shares outstanding (eoy) | m | 618.01 | 2,488.94 | 24.8% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 7.8 | 2.4 | 324.4% | |
| Avg P/E ratio | x | 29.6 | 14.0 | 210.8% | |
| Avg P/CF ratio | x | 29.6 | 13.9 | 212.7% | |
| Avg Price/Bookvalue ratio | x | 5.6 | 1.4 | 404.7% | |
| Dividend payout | % | 15.4 | 26.8 | 57.4% | |
| Avg Mkt Cap | Rs m | 4,271,285 | 325,304 | 1,313.0% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 63,960 | 18,064 | 354.1% | |
| 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 | 135,806 | 404.8% | |
| Other income | Rs m | 130 | 21,574 | 0.6% | |
| Interest expense | Rs m | 188,860 | 54,001 | 349.7% | |
| Net interest income | Rs m | 360,835 | 81,805 | 441.1% | |
| Operating expense | Rs m | 161,112 | 71,941 | 223.9% | |
| Gross profit | Rs m | 199,722 | 9,864 | 2,024.8% | |
| Gross profit margin | % | 36.3 | 7.3 | 500.2% | |
| Provisions/contingencies | Rs m | 31 | 214 | 14.6% | |
| Profit before tax | Rs m | 193,096 | 30,290 | 637.5% | |
| 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 | 48,584 | 7,119 | 682.5% | |
| Profit after tax | Rs m | 144,512 | 23,201 | 622.9% | |
| Net profit margin | % | 26.3 | 17.1 | 153.9% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 3,262,933 | 813,594 | 401.1% | |
| Deposits | Rs m | 601,509 | 0 | - | |
| Credit/Deposit ratio | x | 542.5 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 6.7 | 0 | - | |
| Net Interest Margin | % | 10.1 | 8.6 | 116.8% | |
| Net fixed assets | Rs m | 32,499 | 5,194 | 625.8% | |
| Share capital | Rs m | 1,236 | 24,889 | 5.0% | |
| Free reserves | Rs m | 755,630 | 208,398 | 362.6% | |
| Net worth | Rs m | 756,866 | 233,288 | 324.4% | |
| Borrowings | Rs m | 443,327 | 224,028 | 197.9% | |
| Investments | Rs m | 313,203 | 133,480 | 234.6% | |
| Total assets | Rs m | 3,747,242 | 1,008,606 | 371.5% | |
| Debt/equity ratio | x | 1.4 | 1.0 | 143.8% | |
| Return on assets | % | 3.9 | 2.3 | 167.7% | |
| Return on equity | % | 19.1 | 9.9 | 192.0% | |
| Capital adequacy ratio | % | 22.5 | 22.8 | 98.6% | |
| Net NPAs | % | 0.5 | 1.7 | 27.5% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -727,601 | 6,735 | -10,803.8% | |
| From Investments | Rs m | -71,712 | 8,486 | -845.0% | |
| From Financial Activity | Rs m | 824,151 | -70,374 | -1,171.1% | |
| Net Cashflow | Rs m | 24,838 | -55,153 | -45.0% | |
Share Holding
| Indian Promoters | % | 54.7 | 66.3 | 82.5% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 35.9 | 19.1 | 188.4% | |
| FIIs | % | 20.8 | 6.7 | 309.2% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 45.3 | 33.7 | 134.4% | |
| Shareholders | 781,913 | 787,291 | 99.3% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare BAJAJ FINANCE With: BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS MANAPPURAM FINANCE AAVAS FINANCIERS
More on Bajaj Finance 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:
Bajaj Finance vs L&T FINANCE Share Price Performance
| Period | Bajaj Finance | L&T FINANCE |
|---|---|---|
| 1-Day | 0.54% | 0.87% |
| 1-Month | -2.69% | -11.52% |
| 1-Year | -6.59% | 0.25% |
| 3-Year CAGR | -2.22% | 20.97% |
| 5-Year CAGR | 9.80% | 8.51% |
* Compound Annual Growth Rate
Here are more details on the Bajaj Finance share price and the L&T FINANCE share price.
Moving on to shareholding structures...
The promoters of Bajaj Finance hold a 54.7% 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 Bajaj Finance and the shareholding pattern of L&T FINANCE.
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%.
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 Bajaj Finance, and the dividend history of L&T FINANCE.
For a sector overview, read our finance sector report.
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