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- L&T FINANCE - LIC HOUSING
L&T FINANCE vs LIC HOUSING - Comparison Results
Current Valuations
| L&T FINANCE | LIC HOUSING | L&T FINANCE/ LIC HOUSING |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 13.5 | 6.9 | 195.1% | View Chart |
| P/BV | x | 1.5 | 1.1 | 138.9% | View Chart |
| Dividend Yield | % | 1.8 | 1.5 | 122.3% |
Financials
 L&T FINANCE  LIC HOUSING |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| L&T FINANCE Mar-24 |
LIC HOUSING Mar-24 |
L&T FINANCE/ LIC HOUSING |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 179 | 672 | 26.6% | |
| Low | Rs | 82 | 324 | 25.4% | |
| Income per share (Unadj.) | Rs | 54.6 | 495.9 | 11.0% | |
| Earnings per share (Unadj.) | Rs | 9.3 | 86.6 | 10.8% | |
| Cash flow per share (Unadj.) | Rs | 41.0 | 160.5 | 25.5% | |
| Dividends per share (Unadj.) | Rs | 2.50 | 9.00 | 27.8% | |
| Avg Dividend yield | % | 1.9 | 1.8 | 105.8% | |
| Book value per share (Unadj.) | Rs | 93.7 | 572.2 | 16.4% | |
| Shares outstanding (eoy) | m | 2,488.94 | 550.06 | 452.5% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 1.0 | 238.5% | |
| Avg P/E ratio | x | 14.0 | 5.8 | 243.8% | |
| Avg P/CF ratio | x | 13.9 | 5.8 | 241.6% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 0.9 | 160.2% | |
| Dividend payout | % | 26.8 | 10.4 | 258.0% | |
| Avg Mkt Cap | Rs m | 325,304 | 273,918 | 118.8% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 18,064 | 6,496 | 278.1% | |
| 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 | 272,770 | 49.8% | |
| Other income | Rs m | 21,574 | 8 | 259,927.7% | |
| Interest expense | Rs m | 54,001 | 183,851 | 29.4% | |
| Net interest income | Rs m | 81,805 | 88,919 | 92.0% | |
| Operating expense | Rs m | 71,941 | 27,591 | 260.7% | |
| Gross profit | Rs m | 9,864 | 61,328 | 16.1% | |
| Gross profit margin | % | 7.3 | 22.5 | 32.3% | |
| Provisions/contingencies | Rs m | 214 | 0 | - | |
| Profit before tax | Rs m | 30,290 | 60,644 | 49.9% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 30 | -4 | -848.6% | |
| Prior Period Items | Rs m | 0 | 38 | 0.0% | |
| Tax | Rs m | 7,119 | 13,048 | 54.6% | |
| Profit after tax | Rs m | 23,201 | 47,630 | 48.7% | |
| Net profit margin | % | 17.1 | 17.5 | 97.8% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 813,594 | 2,805,182 | 29.0% | |
| Deposits | Rs m | 0 | 39,503 | 0.0% | |
| Credit/Deposit ratio | x | 0 | 7,101.2 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 19.5 | - | |
| Net Interest Margin | % | 8.6 | 3.1 | 279.4% | |
| Net fixed assets | Rs m | 5,194 | 3,596 | 144.4% | |
| Share capital | Rs m | 24,889 | 1,101 | 2,261.0% | |
| Free reserves | Rs m | 208,398 | 313,666 | 66.4% | |
| Net worth | Rs m | 233,288 | 314,767 | 74.1% | |
| Borrowings | Rs m | 224,028 | 280,677 | 79.8% | |
| Investments | Rs m | 133,480 | 71,023 | 187.9% | |
| Total assets | Rs m | 1,008,606 | 2,896,952 | 34.8% | |
| Debt/equity ratio | x | 1.0 | 1.0 | 94.4% | |
| Return on assets | % | 2.3 | 1.6 | 139.9% | |
| Return on equity | % | 9.9 | 15.1 | 65.7% | |
| Capital adequacy ratio | % | 22.8 | 20.8 | 109.9% | |
| Net NPAs | % | 1.7 | 1.6 | 102.5% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 6,735 | -71,510 | -9.4% | |
| From Investments | Rs m | 8,486 | 5,869 | 144.6% | |
| From Financial Activity | Rs m | -70,374 | 73,456 | -95.8% | |
| Net Cashflow | Rs m | -55,153 | 7,814 | -705.8% | |
Share Holding
| Indian Promoters | % | 66.3 | 45.2 | 146.5% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 19.1 | 42.5 | 44.9% | |
| FIIs | % | 6.7 | 22.0 | 30.7% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 33.7 | 54.8 | 61.6% | |
| Shareholders | 787,291 | 361,857 | 217.6% | ||
| 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 LIC Housing
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 LIC Housing Share Price Performance
| Period | L&T FINANCE | LIC Housing |
|---|---|---|
| 1-Day | 0.87% | 0.73% |
| 1-Month | -11.52% | 1.23% |
| 1-Year | 0.25% | 32.49% |
| 3-Year CAGR | 20.97% | 15.90% |
| 5-Year CAGR | 8.51% | 7.84% |
* Compound Annual Growth Rate
Here are more details on the L&T FINANCE share price and the LIC Housing share price.
Moving on to shareholding structures...
The promoters of L&T FINANCE hold a 66.3% stake in the company. In case of LIC Housing the stake stands at 45.2%.
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 LIC Housing.
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%.
LIC Housing paid Rs 9.0, and its dividend payout ratio stood at 10.4%.
You may visit here to review the dividend history of L&T FINANCE, and the dividend history of LIC Housing.
For a sector overview, read our finance sector report.
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