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- Indian - finance
- L&T FINANCE - IRFC
L&T FINANCE vs IRFC - Comparison Results
Current Valuations
| L&T FINANCE | IRFC | L&T FINANCE/ IRFC |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 13.5 | 29.1 | 46.5% | View Chart |
| P/BV | x | 1.5 | 3.9 | 38.8% | View Chart |
| Dividend Yield | % | 1.8 | 1.0 | 173.0% |
Financials
 L&T FINANCE  IRFC |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| L&T FINANCE Mar-24 |
IRFC Mar-24 |
L&T FINANCE/ IRFC |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 179 | 193 | 92.8% | |
| Low | Rs | 82 | 27 | 307.9% | |
| Income per share (Unadj.) | Rs | 54.6 | 20.4 | 267.6% | |
| Earnings per share (Unadj.) | Rs | 9.3 | 4.9 | 190.0% | |
| Cash flow per share (Unadj.) | Rs | 41.0 | 4.9 | 839.0% | |
| Dividends per share (Unadj.) | Rs | 2.50 | 1.50 | 166.7% | |
| Avg Dividend yield | % | 1.9 | 1.4 | 140.0% | |
| Book value per share (Unadj.) | Rs | 93.7 | 37.6 | 249.1% | |
| Shares outstanding (eoy) | m | 2,488.94 | 13,068.51 | 19.0% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 5.4 | 44.5% | |
| Avg P/E ratio | x | 14.0 | 22.4 | 62.7% | |
| Avg P/CF ratio | x | 13.9 | 21.8 | 63.7% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 2.9 | 47.8% | |
| Dividend payout | % | 26.8 | 30.6 | 87.7% | |
| Avg Mkt Cap | Rs m | 325,304 | 1,434,661 | 22.7% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 18,064 | 112 | 16,168.7% | |
| 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 | 266,446 | 51.0% | |
| Other income | Rs m | 21,574 | 153 | 14,136.7% | |
| Interest expense | Rs m | 54,001 | 201,015 | 26.9% | |
| Net interest income | Rs m | 81,805 | 65,431 | 125.0% | |
| Operating expense | Rs m | 71,941 | 1,368 | 5,257.8% | |
| Gross profit | Rs m | 9,864 | 64,063 | 15.4% | |
| Gross profit margin | % | 7.3 | 24.0 | 30.2% | |
| Provisions/contingencies | Rs m | 214 | 1,628 | 13.1% | |
| Profit before tax | Rs m | 30,290 | 64,121 | 47.2% | |
| 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 | 0 | - | |
| Profit after tax | Rs m | 23,201 | 64,121 | 36.2% | |
| Net profit margin | % | 17.1 | 24.1 | 71.0% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 813,594 | 0 | - | |
| 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 | 112.6 | 7.7% | |
| Net fixed assets | Rs m | 5,194 | 220 | 2,355.8% | |
| Share capital | Rs m | 24,889 | 130,685 | 19.0% | |
| Free reserves | Rs m | 208,398 | 361,101 | 57.7% | |
| Net worth | Rs m | 233,288 | 491,786 | 47.4% | |
| Borrowings | Rs m | 224,028 | 0 | - | |
| Investments | Rs m | 133,480 | 58,125 | 229.6% | |
| Total assets | Rs m | 1,008,606 | 4,850,824 | 20.8% | |
| Debt/equity ratio | x | 1.0 | 0 | - | |
| Return on assets | % | 2.3 | 1.3 | 174.0% | |
| Return on equity | % | 9.9 | 13.0 | 76.3% | |
| Capital adequacy ratio | % | 22.8 | 616.2 | 3.7% | |
| Net NPAs | % | 1.7 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 6,735 | 79,141 | 8.5% | |
| From Investments | Rs m | 8,486 | -75 | -11,248.9% | |
| From Financial Activity | Rs m | -70,374 | -80,464 | 87.5% | |
| Net Cashflow | Rs m | -55,153 | -1,399 | 3,943.2% | |
Share Holding
| Indian Promoters | % | 66.3 | 86.4 | 76.8% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 19.1 | 2.2 | 878.3% | |
| FIIs | % | 6.7 | 1.1 | 617.4% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 33.7 | 13.6 | 247.1% | |
| Shareholders | 787,291 | 5,500,054 | 14.3% | ||
| 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 IRFC
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 IRFC Share Price Performance
| Period | L&T FINANCE | IRFC |
|---|---|---|
| 1-Day | 0.87% | 4.92% |
| 1-Month | -11.52% | 0.28% |
| 1-Year | 0.25% | 90.72% |
| 3-Year CAGR | 20.97% | 83.07% |
| 5-Year CAGR | 8.51% | 42.32% |
* Compound Annual Growth Rate
Here are more details on the L&T FINANCE share price and the IRFC share price.
Moving on to shareholding structures...
The promoters of L&T FINANCE hold a 66.3% stake in the company. In case of IRFC the stake stands at 86.4%.
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 IRFC.
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%.
IRFC paid Rs 1.5, and its dividend payout ratio stood at 30.6%.
You may visit here to review the dividend history of L&T FINANCE, and the dividend history of IRFC.
For a sector overview, read our finance sector report.
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