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- CHOLAMANDALAM INVEST - L&T FINANCE
CHOLAMANDALAM INVEST vs L&T FINANCE - Comparison Results
Current Valuations
| CHOLAMANDALAM INVEST | L&T FINANCE | CHOLAMANDALAM INVEST/ L&T FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 26.5 | 13.5 | 196.2% | View Chart |
| P/BV | x | 5.2 | 1.5 | 350.5% | View Chart |
| Dividend Yield | % | 0.2 | 1.8 | 9.2% |
Financials
 CHOLAMANDALAM INVEST  L&T FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| CHOLAMANDALAM INVEST Mar-24 |
L&T FINANCE Mar-24 |
CHOLAMANDALAM INVEST/ L&T FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 1,310 | 179 | 731.7% | |
| Low | Rs | 763 | 82 | 926.5% | |
| Income per share (Unadj.) | Rs | 227.9 | 54.6 | 417.6% | |
| Earnings per share (Unadj.) | Rs | 40.7 | 9.3 | 436.8% | |
| Cash flow per share (Unadj.) | Rs | 118.9 | 41.0 | 289.9% | |
| Dividends per share (Unadj.) | Rs | 2.00 | 2.50 | 80.0% | |
| Avg Dividend yield | % | 0.2 | 1.9 | 10.1% | |
| Book value per share (Unadj.) | Rs | 231.6 | 93.7 | 247.1% | |
| Shares outstanding (eoy) | m | 839.97 | 2,488.94 | 33.7% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 4.5 | 2.4 | 189.9% | |
| Avg P/E ratio | x | 25.5 | 14.0 | 181.6% | |
| Avg P/CF ratio | x | 25.3 | 13.9 | 182.2% | |
| Avg Price/Bookvalue ratio | x | 4.5 | 1.4 | 321.0% | |
| Dividend payout | % | 4.9 | 26.8 | 18.3% | |
| Avg Mkt Cap | Rs m | 870,691 | 325,304 | 267.7% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 24,786 | 18,064 | 137.2% | |
| 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 | 191,396 | 135,806 | 140.9% | |
| Other income | Rs m | 2,824 | 21,574 | 13.1% | |
| Interest expense | Rs m | 92,308 | 54,001 | 170.9% | |
| Net interest income | Rs m | 99,089 | 81,805 | 121.1% | |
| Operating expense | Rs m | 53,879 | 71,941 | 74.9% | |
| Gross profit | Rs m | 45,210 | 9,864 | 458.3% | |
| Gross profit margin | % | 23.6 | 7.3 | 325.2% | |
| Provisions/contingencies | Rs m | 194 | 214 | 90.6% | |
| Profit before tax | Rs m | 46,053 | 30,290 | 152.0% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 30 | 0.0% | |
| Prior Period Items | Rs m | 93 | 0 | - | |
| Tax | Rs m | 11,946 | 7,119 | 167.8% | |
| Profit after tax | Rs m | 34,201 | 23,201 | 147.4% | |
| Net profit margin | % | 17.9 | 17.1 | 104.6% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 1,444,627 | 813,594 | 177.6% | |
| Deposits | Rs m | 0 | 0 | - | |
| Credit/Deposit ratio | x | 0 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 0 | - | |
| Net Interest Margin | % | 6.6 | 8.6 | 77.0% | |
| Net fixed assets | Rs m | 15,632 | 5,194 | 301.0% | |
| Share capital | Rs m | 1,681 | 24,889 | 6.8% | |
| Free reserves | Rs m | 192,848 | 208,398 | 92.5% | |
| Net worth | Rs m | 194,529 | 233,288 | 83.4% | |
| Borrowings | Rs m | 70,351 | 224,028 | 31.4% | |
| Investments | Rs m | 46,026 | 133,480 | 34.5% | |
| Total assets | Rs m | 1,560,306 | 1,008,606 | 154.7% | |
| Debt/equity ratio | x | 0.4 | 1.0 | 37.7% | |
| Return on assets | % | 2.2 | 2.3 | 95.3% | |
| Return on equity | % | 17.6 | 9.9 | 176.8% | |
| Capital adequacy ratio | % | 18.6 | 22.8 | 81.3% | |
| Net NPAs | % | 2.3 | 1.7 | 138.9% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -356,829 | 6,735 | -5,298.4% | |
| From Investments | Rs m | -28,546 | 8,486 | -336.4% | |
| From Financial Activity | Rs m | 384,712 | -70,374 | -546.7% | |
| Net Cashflow | Rs m | -662 | -55,153 | 1.2% | |
Share Holding
| Indian Promoters | % | 50.1 | 66.3 | 75.6% | |
| Foreign collaborators | % | 0.1 | 0.0 | - | |
| Indian inst/Mut Fund | % | 43.8 | 19.1 | 229.6% | |
| FIIs | % | 27.2 | 6.7 | 403.6% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 49.8 | 33.7 | 147.6% | |
| Shareholders | 146,889 | 787,291 | 18.7% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare CHOLAMANDALAM INVEST With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT SBI CARDS AAVAS FINANCIERS INDOSTAR CAPITAL
More on Cholamandalam Invest 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:
Cholamandalam Invest vs L&T FINANCE Share Price Performance
| Period | Cholamandalam Invest | L&T FINANCE |
|---|---|---|
| 1-Day | 0.39% | 1.27% |
| 1-Month | -14.33% | -4.97% |
| 1-Year | 7.90% | -1.34% |
| 3-Year CAGR | 26.63% | 20.89% |
| 5-Year CAGR | 30.94% | 9.22% |
* Compound Annual Growth Rate
Here are more details on the Cholamandalam Invest share price and the L&T FINANCE share price.
Moving on to shareholding structures...
The promoters of Cholamandalam Invest hold a 50.2% 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 Cholamandalam Invest and the shareholding pattern of L&T FINANCE.
Finally, a word on dividends...
In the most recent financial year, Cholamandalam Invest paid a dividend of Rs 2.0 per share. This amounted to a Dividend Payout ratio of 4.9%.
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 Cholamandalam Invest, and the dividend history of L&T FINANCE.
For a sector overview, read our finance sector report.
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