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- SG FINSERVE - L&T FINANCE
SG FINSERVE vs L&T FINANCE - Comparison Results
Current Valuations
| SG FINSERVE | L&T FINANCE | SG FINSERVE/ L&T FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 28.5 | 13.3 | 213.6% | View Chart |
| P/BV | x | 2.8 | 1.5 | 191.4% | View Chart |
| Dividend Yield | % | 0.0 | 1.8 | - |
Financials
 SG FINSERVE  L&T FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| SG FINSERVE Mar-24 |
L&T FINANCE Mar-24 |
SG FINSERVE/ L&T FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 748 | 179 | 417.9% | |
| Low | Rs | 385 | 82 | 467.2% | |
| Income per share (Unadj.) | Rs | 34.5 | 54.6 | 63.2% | |
| Earnings per share (Unadj.) | Rs | 14.3 | 9.3 | 153.3% | |
| Cash flow per share (Unadj.) | Rs | 11.1 | 41.0 | 27.2% | |
| Dividends per share (Unadj.) | Rs | 0 | 2.50 | 0.0% | |
| Avg Dividend yield | % | 0 | 1.9 | 0.0% | |
| Book value per share (Unadj.) | Rs | 145.2 | 93.7 | 154.9% | |
| Shares outstanding (eoy) | m | 54.98 | 2,488.94 | 2.2% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 16.4 | 2.4 | 685.3% | |
| Avg P/E ratio | x | 39.6 | 14.0 | 282.7% | |
| Avg P/CF ratio | x | 21.8 | 13.9 | 157.1% | |
| Avg Price/Bookvalue ratio | x | 3.9 | 1.4 | 279.7% | |
| Dividend payout | % | 0 | 26.8 | 0.0% | |
| Avg Mkt Cap | Rs m | 31,144 | 325,304 | 9.6% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 103 | 18,064 | 0.6% | |
| 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 | 1,897 | 135,806 | 1.4% | |
| Other income | Rs m | 0 | 21,574 | 0.0% | |
| Interest expense | Rs m | 642 | 54,001 | 1.2% | |
| Net interest income | Rs m | 1,255 | 81,805 | 1.5% | |
| Operating expense | Rs m | 203 | 71,941 | 0.3% | |
| Gross profit | Rs m | 1,052 | 9,864 | 10.7% | |
| Gross profit margin | % | 55.5 | 7.3 | 763.4% | |
| Provisions/contingencies | Rs m | 641 | 214 | 299.6% | |
| Profit before tax | Rs m | 1,050 | 30,290 | 3.5% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 30 | 0.0% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 264 | 7,119 | 3.7% | |
| Profit after tax | Rs m | 786 | 23,201 | 3.4% | |
| Net profit margin | % | 41.4 | 17.1 | 242.5% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 0 | 813,594 | 0.0% | |
| Deposits | Rs m | 0 | 0 | - | |
| Credit/Deposit ratio | x | 0 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 0 | - | |
| Net Interest Margin | % | 0 | 8.6 | - | |
| Net fixed assets | Rs m | 19 | 5,194 | 0.4% | |
| Share capital | Rs m | 550 | 24,889 | 2.2% | |
| Free reserves | Rs m | 7,435 | 208,398 | 3.6% | |
| Net worth | Rs m | 7,985 | 233,288 | 3.4% | |
| Borrowings | Rs m | 9,568 | 224,028 | 4.3% | |
| Investments | Rs m | 0 | 133,480 | 0.0% | |
| Total assets | Rs m | 17,777 | 1,008,606 | 1.8% | |
| Debt/equity ratio | x | 1.2 | 1.0 | 124.8% | |
| Return on assets | % | 4.4 | 2.3 | 192.2% | |
| Return on equity | % | 9.8 | 9.9 | 99.0% | |
| Capital adequacy ratio | % | 47.8 | 22.8 | 209.4% | |
| Net NPAs | % | 0 | 1.7 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -5,647 | 6,735 | -83.9% | |
| From Investments | Rs m | -10 | 8,486 | -0.1% | |
| From Financial Activity | Rs m | 5,516 | -70,374 | -7.8% | |
| Net Cashflow | Rs m | -142 | -55,153 | 0.3% | |
Share Holding
| Indian Promoters | % | 48.4 | 66.3 | 73.0% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 1.9 | 19.1 | 10.0% | |
| FIIs | % | 0.1 | 6.7 | 1.0% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 51.6 | 33.7 | 153.1% | |
| Shareholders | 14,091 | 787,291 | 1.8% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare SG FINSERVE With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS AAVAS FINANCIERS
More on SG FINSERVE vs L&T FINANCE
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
SG FINSERVE vs L&T FINANCE Share Price Performance
| Period | SG FINSERVE | L&T FINANCE |
|---|---|---|
| 1-Day | -3.72% | -1.43% |
| 1-Month | -13.15% | -12.79% |
| 1-Year | -19.18% | -2.75% |
| 3-Year CAGR | 160.23% | 20.39% |
| 5-Year CAGR | 171.10% | 9.07% |
* Compound Annual Growth Rate
Here are more details on the SG FINSERVE share price and the L&T FINANCE share price.
Moving on to shareholding structures...
The promoters of SG FINSERVE hold a 48.4% stake in the company. In case of L&T FINANCE the stake stands at 66.3%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of SG FINSERVE and the shareholding pattern of L&T FINANCE.
Finally, a word on dividends...
In the most recent financial year, SG FINSERVE paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.
L&T FINANCE paid Rs 2.5, and its dividend payout ratio stood at 26.8%.
You may visit here to review the dividend history of SG FINSERVE, and the dividend history of L&T FINANCE.
For a sector overview, read our finance sector report.
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