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- Indian - miscellaneous
- HDFC - BAJAJ FINANCE
HDFC vs BAJAJ FINANCE - Comparison Results
Current Valuations
| HDFC | BAJAJ FINANCE | HDFC/ BAJAJ FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 30.6 | 27.0 | 113.1% | View Chart |
| P/BV | x | 2.5 | 5.5 | 46.0% | View Chart |
| Dividend Yield | % | 1.6 | 0.5 | 300.2% |
Financials
 HDFC  BAJAJ FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| HDFC Mar-23 |
BAJAJ FINANCE Mar-24 |
HDFC/ BAJAJ FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 2,855 | 8,190 | 34.9% | |
| Low | Rs | 2,027 | 5,633 | 36.0% | |
| Income per share (Unadj.) | Rs | 833.7 | 889.5 | 93.7% | |
| Earnings per share (Unadj.) | Rs | 142.6 | 233.8 | 61.0% | |
| Cash flow per share (Unadj.) | Rs | 692.5 | 573.1 | 120.8% | |
| Dividends per share (Unadj.) | Rs | 44.00 | 36.00 | 122.2% | |
| Avg Dividend yield | % | 1.8 | 0.5 | 346.1% | |
| Book value per share (Unadj.) | Rs | 1,090.0 | 1,224.7 | 89.0% | |
| Shares outstanding (eoy) | m | 1,834.56 | 618.01 | 296.8% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.9 | 7.8 | 37.7% | |
| Avg P/E ratio | x | 17.1 | 29.6 | 57.9% | |
| Avg P/CF ratio | x | 17.1 | 29.6 | 57.8% | |
| Avg Price/Bookvalue ratio | x | 2.2 | 5.6 | 39.7% | |
| Dividend payout | % | 30.9 | 15.4 | 200.4% | |
| Avg Mkt Cap | Rs m | 4,478,060 | 4,271,285 | 104.8% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 21,600 | 63,960 | 33.8% | |
| 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 | 1,529,403 | 549,695 | 278.2% | |
| Other income | Rs m | 21,598 | 130 | 16,588.2% | |
| Interest expense | Rs m | 370,286 | 188,860 | 196.1% | |
| Net interest income | Rs m | 1,159,117 | 360,835 | 321.2% | |
| Operating expense | Rs m | 965,098 | 161,112 | 599.0% | |
| Gross profit | Rs m | 194,018 | 199,722 | 97.1% | |
| Gross profit margin | % | 12.7 | 36.3 | 34.9% | |
| Provisions/contingencies | Rs m | 607 | 31 | 1,944.8% | |
| Profit before tax | Rs m | 321,306 | 193,096 | 166.4% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -15,389 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 44,308 | 48,584 | 91.2% | |
| Profit after tax | Rs m | 261,609 | 144,512 | 181.0% | |
| Net profit margin | % | 17.1 | 26.3 | 65.1% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 6,245,515 | 3,262,933 | 191.4% | |
| Deposits | Rs m | 1,109,979 | 601,509 | 184.5% | |
| Credit/Deposit ratio | x | 562.7 | 542.5 | 103.7% | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 9.4 | 6.7 | 139.2% | |
| Net Interest Margin | % | 11.1 | 10.1 | 110.3% | |
| Net fixed assets | Rs m | 98,012 | 32,499 | 301.6% | |
| Share capital | Rs m | 3,669 | 1,236 | 296.9% | |
| Free reserves | Rs m | 1,996,058 | 755,630 | 264.2% | |
| Net worth | Rs m | 1,999,727 | 756,866 | 264.2% | |
| Borrowings | Rs m | 876,846 | 443,327 | 197.8% | |
| Investments | Rs m | 4,173,582 | 313,203 | 1,332.5% | |
| Total assets | Rs m | 10,897,807 | 3,747,242 | 290.8% | |
| Debt/equity ratio | x | 1.0 | 1.4 | 72.0% | |
| Return on assets | % | 2.4 | 3.9 | 62.2% | |
| Return on equity | % | 13.1 | 19.1 | 68.5% | |
| Capital adequacy ratio | % | 0 | 22.5 | 0.0% | |
| Net NPAs | % | 0 | 0.5 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -473,285 | -727,601 | 65.0% | |
| From Investments | Rs m | -215,235 | -71,712 | 300.1% | |
| From Financial Activity | Rs m | 693,206 | 824,151 | 84.1% | |
| Net Cashflow | Rs m | 4,687 | 24,838 | 18.9% | |
Share Holding
| Indian Promoters | % | 0.0 | 54.7 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 87.9 | 35.9 | 244.8% | |
| FIIs | % | 63.6 | 20.8 | 305.5% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 100.0 | 45.3 | 220.8% | |
| Shareholders | 720,777 | 781,913 | 92.2% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare HDFC With: BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS INDOSTAR CAPITAL AAVAS FINANCIERS
More on HDFC vs Bajaj Finance
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
HDFC vs Bajaj Finance Share Price Performance
| Period | HDFC | Bajaj Finance |
|---|---|---|
| 1-Day | -0.62% | 0.29% |
| 1-Month | 3.39% | -2.93% |
| 1-Year | 22.62% | -5.91% |
| 3-Year CAGR | 13.92% | -2.04% |
| 5-Year CAGR | 6.83% | 10.11% |
* Compound Annual Growth Rate
Here are more details on the HDFC share price and the Bajaj Finance share price.
Moving on to shareholding structures...
The promoters of HDFC hold a 0.0% stake in the company. In case of Bajaj Finance the stake stands at 54.7%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of HDFC and the shareholding pattern of Bajaj Finance.
Finally, a word on dividends...
In the most recent financial year, HDFC paid a dividend of Rs 44.0 per share. This amounted to a Dividend Payout ratio of 30.9%.
Bajaj Finance paid Rs 36.0, and its dividend payout ratio stood at 15.4%.
You may visit here to review the dividend history of HDFC, and the dividend history of Bajaj Finance.
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