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- Indian - finance
- CSL FINANCE - L&T FINANCE
CSL FINANCE vs L&T FINANCE - Comparison Results
Current Valuations
| CSL FINANCE | L&T FINANCE | CSL FINANCE/ L&T FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 10.1 | 13.5 | 74.7% | View Chart |
| P/BV | x | 1.5 | 1.5 | 102.3% | View Chart |
| Dividend Yield | % | 0.8 | 1.8 | 44.0% |
Financials
 CSL FINANCE  L&T FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| CSL FINANCE Mar-24 |
L&T FINANCE Mar-24 |
CSL FINANCE/ L&T FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 517 | 179 | 288.9% | |
| Low | Rs | 196 | 82 | 237.4% | |
| Income per share (Unadj.) | Rs | 73.8 | 54.6 | 135.3% | |
| Earnings per share (Unadj.) | Rs | 28.2 | 9.3 | 302.9% | |
| Cash flow per share (Unadj.) | Rs | 54.1 | 41.0 | 132.0% | |
| Dividends per share (Unadj.) | Rs | 2.50 | 2.50 | 100.0% | |
| Avg Dividend yield | % | 0.7 | 1.9 | 36.7% | |
| Book value per share (Unadj.) | Rs | 211.2 | 93.7 | 225.4% | |
| Shares outstanding (eoy) | m | 22.44 | 2,488.94 | 0.9% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 4.8 | 2.4 | 201.5% | |
| Avg P/E ratio | x | 12.6 | 14.0 | 90.0% | |
| Avg P/CF ratio | x | 12.5 | 13.9 | 89.8% | |
| Avg Price/Bookvalue ratio | x | 1.7 | 1.4 | 121.0% | |
| Dividend payout | % | 8.9 | 26.8 | 33.0% | |
| Avg Mkt Cap | Rs m | 7,996 | 325,304 | 2.5% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 216 | 18,064 | 1.2% | |
| 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 | 1,656 | 135,806 | 1.2% | |
| Other income | Rs m | 9 | 21,574 | 0.0% | |
| Interest expense | Rs m | 430 | 54,001 | 0.8% | |
| Net interest income | Rs m | 1,227 | 81,805 | 1.5% | |
| Operating expense | Rs m | 366 | 71,941 | 0.5% | |
| Gross profit | Rs m | 860 | 9,864 | 8.7% | |
| Gross profit margin | % | 51.9 | 7.3 | 715.1% | |
| Provisions/contingencies | Rs m | 7 | 214 | 3.5% | |
| Profit before tax | Rs m | 856 | 30,290 | 2.8% | |
| 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 | 222 | 7,119 | 3.1% | |
| Profit after tax | Rs m | 634 | 23,201 | 2.7% | |
| Net profit margin | % | 38.3 | 17.1 | 223.9% | |
| 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 | % | 17,751.0 | 8.6 | 205,506.4% | |
| Net fixed assets | Rs m | 75 | 5,194 | 1.4% | |
| Share capital | Rs m | 224 | 24,889 | 0.9% | |
| Free reserves | Rs m | 4,516 | 208,398 | 2.2% | |
| Net worth | Rs m | 4,740 | 233,288 | 2.0% | |
| Borrowings | Rs m | 142 | 224,028 | 0.1% | |
| Investments | Rs m | 7 | 133,480 | 0.0% | |
| Total assets | Rs m | 9,843 | 1,008,606 | 1.0% | |
| Debt/equity ratio | x | 0 | 1.0 | 3.1% | |
| Return on assets | % | 6.4 | 2.3 | 279.9% | |
| Return on equity | % | 13.4 | 9.9 | 134.4% | |
| Capital adequacy ratio | % | 52.3 | 22.8 | 229.1% | |
| Net NPAs | % | 0.3 | 1.7 | 15.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -1,272 | 6,735 | -18.9% | |
| From Investments | Rs m | -18 | 8,486 | -0.2% | |
| From Financial Activity | Rs m | 1,427 | -70,374 | -2.0% | |
| Net Cashflow | Rs m | 137 | -55,153 | -0.2% | |
Share Holding
| Indian Promoters | % | 47.4 | 66.3 | 71.6% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 3.7 | 19.1 | 19.6% | |
| FIIs | % | 2.5 | 6.7 | 37.3% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 52.6 | 33.7 | 155.9% | |
| Shareholders | 8,649 | 787,291 | 1.1% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare CSL FINANCE With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS AAVAS FINANCIERS
More on CONSOLIDATED SEC. 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:
CONSOLIDATED SEC. vs L&T FINANCE Share Price Performance
| Period | CONSOLIDATED SEC. | L&T FINANCE |
|---|---|---|
| 1-Day | 3.27% | 1.27% |
| 1-Month | -10.63% | -4.97% |
| 1-Year | -19.64% | -1.34% |
| 3-Year CAGR | 35.50% | 20.89% |
| 5-Year CAGR | 30.55% | 9.22% |
* Compound Annual Growth Rate
Here are more details on the CONSOLIDATED SEC. share price and the L&T FINANCE share price.
Moving on to shareholding structures...
The promoters of CONSOLIDATED SEC. hold a 47.4% 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 CONSOLIDATED SEC. and the shareholding pattern of L&T FINANCE.
Finally, a word on dividends...
In the most recent financial year, CONSOLIDATED SEC. paid a dividend of Rs 2.5 per share. This amounted to a Dividend Payout ratio of 8.9%.
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 CONSOLIDATED SEC., and the dividend history of L&T FINANCE.
For a sector overview, read our finance sector report.
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