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- HDFC - L&T FINANCE
HDFC vs L&T FINANCE - Comparison Results
Current Valuations
| HDFC | L&T FINANCE | HDFC/ L&T FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 30.6 | 13.7 | 223.0% | View Chart |
| P/BV | x | 2.5 | 1.5 | 167.1% | View Chart |
| Dividend Yield | % | 1.6 | 1.8 | 91.2% |
Financials
 HDFC  L&T FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| HDFC Mar-23 |
L&T FINANCE Mar-24 |
HDFC/ L&T FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 2,855 | 179 | 1,595.2% | |
| Low | Rs | 2,027 | 82 | 2,459.4% | |
| Income per share (Unadj.) | Rs | 833.7 | 54.6 | 1,527.9% | |
| Earnings per share (Unadj.) | Rs | 142.6 | 9.3 | 1,529.8% | |
| Cash flow per share (Unadj.) | Rs | 692.5 | 41.0 | 1,689.0% | |
| Dividends per share (Unadj.) | Rs | 44.00 | 2.50 | 1,760.0% | |
| Avg Dividend yield | % | 1.8 | 1.9 | 94.2% | |
| Book value per share (Unadj.) | Rs | 1,090.0 | 93.7 | 1,163.0% | |
| Shares outstanding (eoy) | m | 1,834.56 | 2,488.94 | 73.7% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.9 | 2.4 | 122.2% | |
| Avg P/E ratio | x | 17.1 | 14.0 | 122.1% | |
| Avg P/CF ratio | x | 17.1 | 13.9 | 122.9% | |
| Avg Price/Bookvalue ratio | x | 2.2 | 1.4 | 160.6% | |
| Dividend payout | % | 30.9 | 26.8 | 115.0% | |
| Avg Mkt Cap | Rs m | 4,478,060 | 325,304 | 1,376.6% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 21,600 | 18,064 | 119.6% | |
| 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 | 135,806 | 1,126.2% | |
| Other income | Rs m | 21,598 | 21,574 | 100.1% | |
| Interest expense | Rs m | 370,286 | 54,001 | 685.7% | |
| Net interest income | Rs m | 1,159,117 | 81,805 | 1,416.9% | |
| Operating expense | Rs m | 965,098 | 71,941 | 1,341.5% | |
| Gross profit | Rs m | 194,018 | 9,864 | 1,966.9% | |
| Gross profit margin | % | 12.7 | 7.3 | 174.7% | |
| Provisions/contingencies | Rs m | 607 | 214 | 283.8% | |
| Profit before tax | Rs m | 321,306 | 30,290 | 1,060.8% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -15,389 | 30 | -51,813.1% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 44,308 | 7,119 | 622.4% | |
| Profit after tax | Rs m | 261,609 | 23,201 | 1,127.6% | |
| Net profit margin | % | 17.1 | 17.1 | 100.1% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 6,245,515 | 813,594 | 767.6% | |
| Deposits | Rs m | 1,109,979 | 0 | - | |
| Credit/Deposit ratio | x | 562.7 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 9.4 | 0 | - | |
| Net Interest Margin | % | 11.1 | 8.6 | 128.8% | |
| Net fixed assets | Rs m | 98,012 | 5,194 | 1,887.2% | |
| Share capital | Rs m | 3,669 | 24,889 | 14.7% | |
| Free reserves | Rs m | 1,996,058 | 208,398 | 957.8% | |
| Net worth | Rs m | 1,999,727 | 233,288 | 857.2% | |
| Borrowings | Rs m | 876,846 | 224,028 | 391.4% | |
| Investments | Rs m | 4,173,582 | 133,480 | 3,126.7% | |
| Total assets | Rs m | 10,897,807 | 1,008,606 | 1,080.5% | |
| Debt/equity ratio | x | 1.0 | 1.0 | 103.5% | |
| Return on assets | % | 2.4 | 2.3 | 104.4% | |
| Return on equity | % | 13.1 | 9.9 | 131.5% | |
| Capital adequacy ratio | % | 0 | 22.8 | 0.0% | |
| Net NPAs | % | 0 | 1.7 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -473,285 | 6,735 | -7,027.6% | |
| From Investments | Rs m | -215,235 | 8,486 | -2,536.3% | |
| From Financial Activity | Rs m | 693,206 | -70,374 | -985.0% | |
| Net Cashflow | Rs m | 4,687 | -55,153 | -8.5% | |
Share Holding
| Indian Promoters | % | 0.0 | 66.3 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 87.9 | 19.1 | 461.1% | |
| FIIs | % | 63.6 | 6.7 | 944.6% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 100.0 | 33.7 | 296.6% | |
| Shareholders | 720,777 | 787,291 | 91.6% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare HDFC With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS INDOSTAR CAPITAL
More on HDFC 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:
HDFC vs L&T FINANCE Share Price Performance
| Period | HDFC | L&T FINANCE |
|---|---|---|
| 1-Day | -0.62% | 1.43% |
| 1-Month | 3.39% | 0.78% |
| 1-Year | 22.62% | -2.21% |
| 3-Year CAGR | 13.92% | 21.44% |
| 5-Year CAGR | 6.83% | 7.87% |
* Compound Annual Growth Rate
Here are more details on the HDFC share price and the L&T FINANCE share price.
Moving on to shareholding structures...
The promoters of HDFC hold a 0.0% 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 HDFC and the shareholding pattern of L&T 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%.
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 HDFC, and the dividend history of L&T FINANCE.
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