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- GIC HOUSING - L&T FINANCE
GIC HOUSING vs L&T FINANCE - Comparison Results
Current Valuations
| GIC HOUSING | L&T FINANCE | GIC HOUSING/ L&T FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 6.7 | 13.5 | 49.4% | View Chart |
| P/BV | x | 0.6 | 1.5 | 40.3% | View Chart |
| Dividend Yield | % | 2.2 | 1.8 | 122.9% |
Financials
 GIC HOUSING  L&T FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| GIC HOUSING Mar-24 |
L&T FINANCE Mar-24 |
GIC HOUSING/ L&T FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 292 | 179 | 163.4% | |
| Low | Rs | 155 | 82 | 187.5% | |
| Income per share (Unadj.) | Rs | 196.3 | 54.6 | 359.8% | |
| Earnings per share (Unadj.) | Rs | 28.1 | 9.3 | 301.5% | |
| Cash flow per share (Unadj.) | Rs | 60.8 | 41.0 | 148.2% | |
| Dividends per share (Unadj.) | Rs | 4.50 | 2.50 | 180.0% | |
| Avg Dividend yield | % | 2.0 | 1.9 | 105.3% | |
| Book value per share (Unadj.) | Rs | 339.6 | 93.7 | 362.3% | |
| Shares outstanding (eoy) | m | 53.85 | 2,488.94 | 2.2% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.1 | 2.4 | 47.5% | |
| Avg P/E ratio | x | 8.0 | 14.0 | 56.7% | |
| Avg P/CF ratio | x | 7.2 | 13.9 | 51.5% | |
| Avg Price/Bookvalue ratio | x | 0.7 | 1.4 | 47.2% | |
| Dividend payout | % | 16.0 | 26.8 | 59.7% | |
| Avg Mkt Cap | Rs m | 12,034 | 325,304 | 3.7% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 640 | 18,064 | 3.5% | |
| 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 | 10,572 | 135,806 | 7.8% | |
| Other income | Rs m | 125 | 21,574 | 0.6% | |
| Interest expense | Rs m | 7,107 | 54,001 | 13.2% | |
| Net interest income | Rs m | 3,465 | 81,805 | 4.2% | |
| Operating expense | Rs m | 1,398 | 71,941 | 1.9% | |
| Gross profit | Rs m | 2,066 | 9,864 | 20.9% | |
| Gross profit margin | % | 19.5 | 7.3 | 269.1% | |
| Provisions/contingencies | Rs m | 167 | 214 | 78.0% | |
| Profit before tax | Rs m | 2,042 | 30,290 | 6.7% | |
| 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 | 528 | 7,119 | 7.4% | |
| Profit after tax | Rs m | 1,514 | 23,201 | 6.5% | |
| Net profit margin | % | 14.3 | 17.1 | 83.8% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 99,783 | 813,594 | 12.3% | |
| Deposits | Rs m | 0 | 0 | - | |
| Credit/Deposit ratio | x | 0 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 0 | - | |
| Net Interest Margin | % | 3.4 | 8.6 | 39.4% | |
| Net fixed assets | Rs m | 436 | 5,194 | 8.4% | |
| Share capital | Rs m | 539 | 24,889 | 2.2% | |
| Free reserves | Rs m | 17,750 | 208,398 | 8.5% | |
| Net worth | Rs m | 18,288 | 233,288 | 7.8% | |
| Borrowings | Rs m | 3,965 | 224,028 | 1.8% | |
| Investments | Rs m | 2,070 | 133,480 | 1.6% | |
| Total assets | Rs m | 103,964 | 1,008,606 | 10.3% | |
| Debt/equity ratio | x | 0.2 | 1.0 | 22.6% | |
| Return on assets | % | 1.5 | 2.3 | 63.3% | |
| Return on equity | % | 8.3 | 9.9 | 83.2% | |
| Capital adequacy ratio | % | 33.6 | 22.8 | 146.9% | |
| Net NPAs | % | 2.7 | 1.7 | 161.1% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 5,221 | 6,735 | 77.5% | |
| From Investments | Rs m | 635 | 8,486 | 7.5% | |
| From Financial Activity | Rs m | -6,194 | -70,374 | 8.8% | |
| Net Cashflow | Rs m | -338 | -55,153 | 0.6% | |
Share Holding
| Indian Promoters | % | 42.4 | 66.3 | 64.0% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 8.8 | 19.1 | 46.2% | |
| FIIs | % | 2.9 | 6.7 | 43.2% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 57.6 | 33.7 | 170.8% | |
| Shareholders | 67,589 | 787,291 | 8.6% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare GIC HOUSING With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS AAVAS FINANCIERS
More on GIC HOUSING 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:
GIC HOUSING vs L&T FINANCE Share Price Performance
| Period | GIC HOUSING | L&T FINANCE |
|---|---|---|
| 1-Day | 1.34% | 1.27% |
| 1-Month | -0.78% | -4.97% |
| 1-Year | 8.59% | -1.34% |
| 3-Year CAGR | 10.16% | 20.89% |
| 5-Year CAGR | 6.02% | 9.22% |
* Compound Annual Growth Rate
Here are more details on the GIC HOUSING share price and the L&T FINANCE share price.
Moving on to shareholding structures...
The promoters of GIC HOUSING hold a 42.4% 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 GIC HOUSING and the shareholding pattern of L&T FINANCE.
Finally, a word on dividends...
In the most recent financial year, GIC HOUSING paid a dividend of Rs 4.5 per share. This amounted to a Dividend Payout ratio of 16.0%.
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 GIC HOUSING, and the dividend history of L&T FINANCE.
For a sector overview, read our finance sector report.
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