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- Indian - finance
- L&T FINANCE - GRUH FINANCE
L&T FINANCE vs GRUH FINANCE - Comparison Results
Current Valuations
| L&T FINANCE | GRUH FINANCE | L&T FINANCE/ GRUH FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 13.5 | 52.0 | 26.0% | View Chart |
| P/BV | x | 1.5 | 12.4 | 12.1% | View Chart |
| Dividend Yield | % | 1.8 | 0.6 | 283.8% |
Financials
 L&T FINANCE  GRUH FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| L&T FINANCE Mar-24 |
GRUH FINANCE Mar-19 |
L&T FINANCE/ GRUH FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 179 | 382 | 46.9% | |
| Low | Rs | 82 | 205 | 40.3% | |
| Income per share (Unadj.) | Rs | 54.6 | 27.6 | 197.6% | |
| Earnings per share (Unadj.) | Rs | 9.3 | 6.1 | 152.9% | |
| Cash flow per share (Unadj.) | Rs | 41.0 | 10.1 | 404.8% | |
| Dividends per share (Unadj.) | Rs | 2.50 | 2.00 | 125.0% | |
| Avg Dividend yield | % | 1.9 | 0.7 | 280.5% | |
| Book value per share (Unadj.) | Rs | 93.7 | 25.6 | 365.6% | |
| Shares outstanding (eoy) | m | 2,488.94 | 733.69 | 339.2% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 10.6 | 22.6% | |
| Avg P/E ratio | x | 14.0 | 48.1 | 29.1% | |
| Avg P/CF ratio | x | 13.9 | 48.1 | 28.9% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 11.4 | 12.2% | |
| Dividend payout | % | 26.8 | 32.8 | 81.7% | |
| Avg Mkt Cap | Rs m | 325,304 | 215,172 | 151.2% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 18,064 | 648 | 2,789.3% | |
| 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 | 135,806 | 20,262 | 670.3% | |
| Other income | Rs m | 21,574 | 216 | 9,983.3% | |
| Interest expense | Rs m | 54,001 | 13,012 | 415.0% | |
| Net interest income | Rs m | 81,805 | 7,250 | 1,128.4% | |
| Operating expense | Rs m | 71,941 | 1,282 | 5,613.4% | |
| Gross profit | Rs m | 9,864 | 5,968 | 165.3% | |
| Gross profit margin | % | 7.3 | 29.5 | 24.7% | |
| Provisions/contingencies | Rs m | 214 | 0 | - | |
| Profit before tax | Rs m | 30,290 | 6,150 | 492.5% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 30 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 7,119 | 1,678 | 424.2% | |
| Profit after tax | Rs m | 23,201 | 4,472 | 518.8% | |
| Net profit margin | % | 17.1 | 22.1 | 77.4% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 813,594 | 172,883 | 470.6% | |
| Deposits | Rs m | 0 | 0 | - | |
| Credit/Deposit ratio | x | 0 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 0 | - | |
| Net Interest Margin | % | 8.6 | 3.9 | 219.0% | |
| Net fixed assets | Rs m | 5,194 | 151 | 3,430.3% | |
| Share capital | Rs m | 24,889 | 1,467 | 1,696.2% | |
| Free reserves | Rs m | 208,398 | 17,342 | 1,201.7% | |
| Net worth | Rs m | 233,288 | 18,809 | 1,240.3% | |
| Borrowings | Rs m | 224,028 | 150,129 | 149.2% | |
| Investments | Rs m | 133,480 | 10,945 | 1,219.6% | |
| Total assets | Rs m | 1,008,606 | 195,417 | 516.1% | |
| Debt/equity ratio | x | 1.0 | 8.0 | 12.0% | |
| Return on assets | % | 2.3 | 2.3 | 100.5% | |
| Return on equity | % | 9.9 | 23.8 | 41.8% | |
| Capital adequacy ratio | % | 22.8 | 20.3 | 112.5% | |
| Net NPAs | % | 1.7 | 0.4 | 477.1% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 6,735 | -14,322 | -47.0% | |
| From Investments | Rs m | 8,486 | 491 | 1,728.0% | |
| From Financial Activity | Rs m | -70,374 | 24,184 | -291.0% | |
| Net Cashflow | Rs m | -55,153 | 10,354 | -532.7% | |
Share Holding
| Indian Promoters | % | 66.3 | 47.4 | 139.8% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 19.1 | 30.8 | 61.8% | |
| FIIs | % | 6.7 | 18.7 | 35.9% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 33.7 | 52.6 | 64.1% | |
| Shareholders | 787,291 | 72,213 | 1,090.2% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare L&T FINANCE With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS MANAPPURAM FINANCE
More on L&T FINANCE vs GRUH FINANCE
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
L&T FINANCE vs GRUH FINANCE Share Price Performance
| Period | L&T FINANCE | GRUH FINANCE |
|---|---|---|
| 1-Day | 0.87% | 3.73% |
| 1-Month | -11.52% | 27.02% |
| 1-Year | 0.25% | 13.06% |
| 3-Year CAGR | 20.97% | 23.04% |
| 5-Year CAGR | 8.51% | 27.87% |
* Compound Annual Growth Rate
Here are more details on the L&T FINANCE share price and the GRUH FINANCE share price.
Moving on to shareholding structures...
The promoters of L&T FINANCE hold a 66.3% stake in the company. In case of GRUH FINANCE the stake stands at 47.4%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of L&T FINANCE and the shareholding pattern of GRUH FINANCE.
Finally, a word on dividends...
In the most recent financial year, L&T FINANCE paid a dividend of Rs 2.5 per share. This amounted to a Dividend Payout ratio of 26.8%.
GRUH FINANCE paid Rs 2.0, and its dividend payout ratio stood at 32.8%.
You may visit here to review the dividend history of L&T FINANCE, and the dividend history of GRUH FINANCE.
For a sector overview, read our finance sector report.
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