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- Indian - finance
- L&T FINANCE - HDFC
L&T FINANCE vs HDFC - Comparison Results
Current Valuations
| L&T FINANCE | HDFC | L&T FINANCE/ HDFC |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 13.5 | 30.6 | 44.3% | View Chart |
| P/BV | x | 1.5 | 2.5 | 59.1% | View Chart |
| Dividend Yield | % | 1.8 | 1.6 | 111.0% |
Financials
 L&T FINANCE  HDFC |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| L&T FINANCE Mar-24 |
HDFC Mar-23 |
L&T FINANCE/ HDFC |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 179 | 2,855 | 6.3% | |
| Low | Rs | 82 | 2,027 | 4.1% | |
| Income per share (Unadj.) | Rs | 54.6 | 833.7 | 6.5% | |
| Earnings per share (Unadj.) | Rs | 9.3 | 142.6 | 6.5% | |
| Cash flow per share (Unadj.) | Rs | 41.0 | 692.5 | 5.9% | |
| Dividends per share (Unadj.) | Rs | 2.50 | 44.00 | 5.7% | |
| Avg Dividend yield | % | 1.9 | 1.8 | 106.1% | |
| Book value per share (Unadj.) | Rs | 93.7 | 1,090.0 | 8.6% | |
| Shares outstanding (eoy) | m | 2,488.94 | 1,834.56 | 135.7% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 2.9 | 81.8% | |
| Avg P/E ratio | x | 14.0 | 17.1 | 81.9% | |
| Avg P/CF ratio | x | 13.9 | 17.1 | 81.4% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 2.2 | 62.3% | |
| Dividend payout | % | 26.8 | 30.9 | 86.9% | |
| Avg Mkt Cap | Rs m | 325,304 | 4,478,060 | 7.3% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 18,064 | 21,600 | 83.6% | |
| 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 | 135,806 | 1,529,403 | 8.9% | |
| Other income | Rs m | 21,574 | 21,598 | 99.9% | |
| Interest expense | Rs m | 54,001 | 370,286 | 14.6% | |
| Net interest income | Rs m | 81,805 | 1,159,117 | 7.1% | |
| Operating expense | Rs m | 71,941 | 965,098 | 7.5% | |
| Gross profit | Rs m | 9,864 | 194,018 | 5.1% | |
| Gross profit margin | % | 7.3 | 12.7 | 57.3% | |
| Provisions/contingencies | Rs m | 214 | 607 | 35.2% | |
| Profit before tax | Rs m | 30,290 | 321,306 | 9.4% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 30 | -15,389 | -0.2% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 7,119 | 44,308 | 16.1% | |
| Profit after tax | Rs m | 23,201 | 261,609 | 8.9% | |
| Net profit margin | % | 17.1 | 17.1 | 99.9% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 813,594 | 6,245,515 | 13.0% | |
| Deposits | Rs m | 0 | 1,109,979 | 0.0% | |
| Credit/Deposit ratio | x | 0 | 562.7 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 9.4 | - | |
| Net Interest Margin | % | 8.6 | 11.1 | 77.6% | |
| Net fixed assets | Rs m | 5,194 | 98,012 | 5.3% | |
| Share capital | Rs m | 24,889 | 3,669 | 678.4% | |
| Free reserves | Rs m | 208,398 | 1,996,058 | 10.4% | |
| Net worth | Rs m | 233,288 | 1,999,727 | 11.7% | |
| Borrowings | Rs m | 224,028 | 876,846 | 25.5% | |
| Investments | Rs m | 133,480 | 4,173,582 | 3.2% | |
| Total assets | Rs m | 1,008,606 | 10,897,807 | 9.3% | |
| Debt/equity ratio | x | 1.0 | 1.0 | 96.7% | |
| Return on assets | % | 2.3 | 2.4 | 95.8% | |
| Return on equity | % | 9.9 | 13.1 | 76.0% | |
| Capital adequacy ratio | % | 22.8 | 0 | - | |
| Net NPAs | % | 1.7 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 6,735 | -473,285 | -1.4% | |
| From Investments | Rs m | 8,486 | -215,235 | -3.9% | |
| From Financial Activity | Rs m | -70,374 | 693,206 | -10.2% | |
| Net Cashflow | Rs m | -55,153 | 4,687 | -1,176.8% | |
Share Holding
| Indian Promoters | % | 66.3 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 19.1 | 87.9 | 21.7% | |
| FIIs | % | 6.7 | 63.6 | 10.6% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 33.7 | 100.0 | 33.7% | |
| Shareholders | 787,291 | 720,777 | 109.2% | ||
| 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 HDFC
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 HDFC Share Price Performance
| Period | L&T FINANCE | HDFC |
|---|---|---|
| 1-Day | 0.87% | -0.62% |
| 1-Month | -11.52% | 3.39% |
| 1-Year | 0.25% | 22.62% |
| 3-Year CAGR | 20.97% | 13.92% |
| 5-Year CAGR | 8.51% | 6.83% |
* Compound Annual Growth Rate
Here are more details on the L&T FINANCE share price and the HDFC share price.
Moving on to shareholding structures...
The promoters of L&T FINANCE hold a 66.3% stake in the company. In case of HDFC the stake stands at 0.0%.
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 HDFC.
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%.
HDFC paid Rs 44.0, and its dividend payout ratio stood at 30.9%.
You may visit here to review the dividend history of L&T FINANCE, and the dividend history of HDFC.
For a sector overview, read our finance sector report.
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On Tuesday, Indian share markets traded on a positive note throughout the session and ended marginally higher.
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