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- Indian - finance
- L&T FINANCE - SBI CARDS
L&T FINANCE vs SBI CARDS - Comparison Results
Current Valuations
| L&T FINANCE | SBI CARDS | L&T FINANCE/ SBI CARDS |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 13.5 | 29.4 | 46.0% | View Chart |
| P/BV | x | 1.5 | 5.4 | 27.7% | View Chart |
| Dividend Yield | % | 1.8 | 0.4 | 489.2% |
Financials
 L&T FINANCE  SBI CARDS |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| L&T FINANCE Mar-24 |
SBI CARDS Mar-24 |
L&T FINANCE/ SBI CARDS |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 179 | 932 | 19.2% | |
| Low | Rs | 82 | 679 | 12.1% | |
| Income per share (Unadj.) | Rs | 54.6 | 178.4 | 30.6% | |
| Earnings per share (Unadj.) | Rs | 9.3 | 25.3 | 36.8% | |
| Cash flow per share (Unadj.) | Rs | 41.0 | 146.5 | 28.0% | |
| Dividends per share (Unadj.) | Rs | 2.50 | 2.50 | 100.0% | |
| Avg Dividend yield | % | 1.9 | 0.3 | 616.4% | |
| Book value per share (Unadj.) | Rs | 93.7 | 126.9 | 73.8% | |
| Shares outstanding (eoy) | m | 2,488.94 | 950.97 | 261.7% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 4.5 | 53.1% | |
| Avg P/E ratio | x | 14.0 | 31.8 | 44.1% | |
| Avg P/CF ratio | x | 13.9 | 31.2 | 44.5% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 6.3 | 22.0% | |
| Dividend payout | % | 26.8 | 9.9 | 271.6% | |
| Avg Mkt Cap | Rs m | 325,304 | 766,076 | 42.5% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 18,064 | 5,697 | 317.1% | |
| 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 | 169,684 | 80.0% | |
| Other income | Rs m | 21,574 | 5,151 | 418.8% | |
| Interest expense | Rs m | 54,001 | 33,126 | 163.0% | |
| Net interest income | Rs m | 81,805 | 136,558 | 59.9% | |
| Operating expense | Rs m | 71,941 | 107,423 | 67.0% | |
| Gross profit | Rs m | 9,864 | 29,135 | 33.9% | |
| Gross profit margin | % | 7.3 | 17.2 | 42.3% | |
| Provisions/contingencies | Rs m | 214 | 441 | 48.5% | |
| Profit before tax | Rs m | 30,290 | 32,318 | 93.7% | |
| 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 | 8,239 | 86.4% | |
| Profit after tax | Rs m | 23,201 | 24,079 | 96.4% | |
| Net profit margin | % | 17.1 | 14.2 | 120.4% | |
| 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 | 385.6 | 2.2% | |
| Net fixed assets | Rs m | 5,194 | 5,421 | 95.8% | |
| Share capital | Rs m | 24,889 | 9,510 | 261.7% | |
| Free reserves | Rs m | 208,398 | 111,203 | 187.4% | |
| Net worth | Rs m | 233,288 | 120,712 | 193.3% | |
| Borrowings | Rs m | 224,028 | 319,932 | 70.0% | |
| Investments | Rs m | 133,480 | 35,411 | 376.9% | |
| Total assets | Rs m | 1,008,606 | 578,166 | 174.4% | |
| Debt/equity ratio | x | 1.0 | 2.7 | 36.2% | |
| Return on assets | % | 2.3 | 4.2 | 55.2% | |
| Return on equity | % | 9.9 | 19.9 | 49.9% | |
| Capital adequacy ratio | % | 22.8 | 20.5 | 111.3% | |
| Net NPAs | % | 1.7 | 1.0 | 168.7% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 6,735 | -54,515 | -12.4% | |
| From Investments | Rs m | 8,486 | -14,574 | -58.2% | |
| From Financial Activity | Rs m | -70,374 | 84,012 | -83.8% | |
| Net Cashflow | Rs m | -55,153 | 14,923 | -369.6% | |
Share Holding
| Indian Promoters | % | 66.3 | 68.6 | 96.6% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 19.1 | 25.9 | 73.5% | |
| FIIs | % | 6.7 | 9.2 | 73.3% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 33.7 | 31.4 | 107.4% | |
| Shareholders | 787,291 | 948,916 | 83.0% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare L&T FINANCE With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST AAVAS FINANCIERS INDOSTAR CAPITAL
More on L&T FINANCE vs SBI CARDS
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 SBI CARDS Share Price Performance
| Period | L&T FINANCE | SBI CARDS |
|---|---|---|
| 1-Day | 0.87% | 0.98% |
| 1-Month | -11.52% | -4.73% |
| 1-Year | 0.25% | -7.94% |
| 3-Year CAGR | 20.97% | -12.17% |
| 5-Year CAGR | 8.51% | 0.01% |
* Compound Annual Growth Rate
Here are more details on the L&T FINANCE share price and the SBI CARDS share price.
Moving on to shareholding structures...
The promoters of L&T FINANCE hold a 66.3% stake in the company. In case of SBI CARDS the stake stands at 68.6%.
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 SBI CARDS.
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%.
SBI CARDS paid Rs 2.5, and its dividend payout ratio stood at 9.9%.
You may visit here to review the dividend history of L&T FINANCE, and the dividend history of SBI CARDS.
For a sector overview, read our finance sector report.
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