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- L&T FINANCE - BHARAT FINANCIAL INCLUSION
L&T FINANCE vs BHARAT FINANCIAL INCLUSION - Comparison Results
Current Valuations
| L&T FINANCE | BHARAT FINANCIAL INCLUSION | L&T FINANCE/ BHARAT FINANCIAL INCLUSION |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 13.5 | 12.8 | 105.8% | View Chart |
| P/BV | x | 1.5 | 4.3 | 34.6% | View Chart |
| Dividend Yield | % | 1.8 | 0.0 | - |
Financials
 L&T FINANCE  BHARAT FINANCIAL INCLUSION |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| L&T FINANCE Mar-24 |
BHARAT FINANCIAL INCLUSION Mar-18 |
L&T FINANCE/ BHARAT FINANCIAL INCLUSION |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 179 | 1,107 | 16.2% | |
| Low | Rs | 82 | 651 | 12.7% | |
| Income per share (Unadj.) | Rs | 54.6 | 137.6 | 39.6% | |
| Earnings per share (Unadj.) | Rs | 9.3 | 32.7 | 28.5% | |
| Cash flow per share (Unadj.) | Rs | 41.0 | -7,323,114.8 | -0.0% | |
| Dividends per share (Unadj.) | Rs | 2.50 | 0 | - | |
| Avg Dividend yield | % | 1.9 | 0 | - | |
| Book value per share (Unadj.) | Rs | 93.7 | 209.6 | 44.7% | |
| Shares outstanding (eoy) | m | 2,488.94 | 139.32 | 1,786.5% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 6.4 | 37.5% | |
| Avg P/E ratio | x | 14.0 | 26.9 | 52.2% | |
| Avg P/CF ratio | x | 13.9 | 0 | 11,577,282.1% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 4.2 | 33.3% | |
| Dividend payout | % | 26.8 | 0 | - | |
| Avg Mkt Cap | Rs m | 325,304 | 122,435 | 265.7% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 18,064 | 5,264 | 343.2% | |
| 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 | 19,172 | 708.3% | |
| Other income | Rs m | 21,574 | 2,244 | 961.4% | |
| Interest expense | Rs m | 54,001 | 7,104 | 760.1% | |
| Net interest income | Rs m | 81,805 | 12,068 | 677.9% | |
| Operating expense | Rs m | 71,941 | 9,632 | 746.9% | |
| Gross profit | Rs m | 9,864 | 2,436 | 404.9% | |
| Gross profit margin | % | 7.3 | 12.7 | 57.2% | |
| Provisions/contingencies | Rs m | 214 | 1,020,270,534 | 0.0% | |
| Profit before tax | Rs m | 30,290 | 4,548 | 666.0% | |
| 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 | -7 | -101,845.5% | |
| Profit after tax | Rs m | 23,201 | 4,555 | 509.4% | |
| Net profit margin | % | 17.1 | 23.8 | 71.9% | |
| 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 | 75.6 | 11.4% | |
| Net fixed assets | Rs m | 5,194 | 217 | 2,388.9% | |
| Share capital | Rs m | 24,889 | 1,393 | 1,786.5% | |
| Free reserves | Rs m | 208,398 | 27,810 | 749.4% | |
| Net worth | Rs m | 233,288 | 29,203 | 798.9% | |
| Borrowings | Rs m | 224,028 | 6,064 | 3,694.7% | |
| Investments | Rs m | 133,480 | 15,960 | 836.4% | |
| Total assets | Rs m | 1,008,606 | 115,307 | 874.7% | |
| Debt/equity ratio | x | 1.0 | 0.2 | 462.5% | |
| Return on assets | % | 2.3 | 4.0 | 58.2% | |
| Return on equity | % | 9.9 | 15.6 | 63.8% | |
| Capital adequacy ratio | % | 22.8 | 33.2 | 68.9% | |
| Net NPAs | % | 1.7 | 0.1 | 1,855.6% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 6,735 | -11,618 | -58.0% | |
| From Investments | Rs m | 8,486 | -129 | -6,554.6% | |
| From Financial Activity | Rs m | -70,374 | 5,282 | -1,332.3% | |
| Net Cashflow | Rs m | -55,153 | -6,465 | 853.1% | |
Share Holding
| Indian Promoters | % | 66.3 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 1.6 | - | |
| Indian inst/Mut Fund | % | 19.1 | 85.0 | 22.4% | |
| FIIs | % | 6.7 | 60.3 | 11.2% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 33.7 | 98.4 | 34.3% | |
| Shareholders | 787,291 | 34,575 | 2,277.1% | ||
| 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 SKS MICROFINANCE
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 SKS MICROFINANCE Share Price Performance
| Period | L&T FINANCE | SKS MICROFINANCE |
|---|---|---|
| 1-Day | 0.87% | -0.81% |
| 1-Month | -11.52% | -13.85% |
| 1-Year | 0.25% | -23.28% |
| 3-Year CAGR | 20.97% | 5.58% |
| 5-Year CAGR | 8.51% | 26.25% |
* Compound Annual Growth Rate
Here are more details on the L&T FINANCE share price and the SKS MICROFINANCE share price.
Moving on to shareholding structures...
The promoters of L&T FINANCE hold a 66.3% stake in the company. In case of SKS MICROFINANCE the stake stands at 1.6%.
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 SKS MICROFINANCE.
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%.
SKS MICROFINANCE paid Rs 0.0, and its dividend payout ratio stood at 0.0%.
You may visit here to review the dividend history of L&T FINANCE, and the dividend history of SKS MICROFINANCE.
For a sector overview, read our finance sector report.
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