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- Indian - finance
- LIC HOUSING - L&T FINANCE
LIC HOUSING vs L&T FINANCE - Comparison Results
Current Valuations
| LIC HOUSING | L&T FINANCE | LIC HOUSING/ L&T FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 7.1 | 13.9 | 51.3% | View Chart |
| P/BV | x | 1.1 | 1.5 | 72.1% | View Chart |
| Dividend Yield | % | 1.4 | 1.7 | 81.7% |
Financials
 LIC HOUSING  L&T FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| LIC HOUSING Mar-24 |
L&T FINANCE Mar-24 |
LIC HOUSING/ L&T FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 672 | 179 | 375.3% | |
| Low | Rs | 324 | 82 | 393.4% | |
| Income per share (Unadj.) | Rs | 495.9 | 54.6 | 908.8% | |
| Earnings per share (Unadj.) | Rs | 86.6 | 9.3 | 928.9% | |
| Cash flow per share (Unadj.) | Rs | 160.5 | 41.0 | 391.4% | |
| Dividends per share (Unadj.) | Rs | 9.00 | 2.50 | 360.0% | |
| Avg Dividend yield | % | 1.8 | 1.9 | 94.5% | |
| Book value per share (Unadj.) | Rs | 572.2 | 93.7 | 610.5% | |
| Shares outstanding (eoy) | m | 550.06 | 2,488.94 | 22.1% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 2.4 | 41.9% | |
| Avg P/E ratio | x | 5.8 | 14.0 | 41.0% | |
| Avg P/CF ratio | x | 5.8 | 13.9 | 41.4% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 1.4 | 62.4% | |
| Dividend payout | % | 10.4 | 26.8 | 38.8% | |
| Avg Mkt Cap | Rs m | 273,918 | 325,304 | 84.2% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 6,496 | 18,064 | 36.0% | |
| 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 | 272,770 | 135,806 | 200.9% | |
| Other income | Rs m | 8 | 21,574 | 0.0% | |
| Interest expense | Rs m | 183,851 | 54,001 | 340.5% | |
| Net interest income | Rs m | 88,919 | 81,805 | 108.7% | |
| Operating expense | Rs m | 27,591 | 71,941 | 38.4% | |
| Gross profit | Rs m | 61,328 | 9,864 | 621.7% | |
| Gross profit margin | % | 22.5 | 7.3 | 309.5% | |
| Provisions/contingencies | Rs m | 0 | 214 | 0.0% | |
| Profit before tax | Rs m | 60,644 | 30,290 | 200.2% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -4 | 30 | -11.8% | |
| Prior Period Items | Rs m | 38 | 0 | - | |
| Tax | Rs m | 13,048 | 7,119 | 183.3% | |
| Profit after tax | Rs m | 47,630 | 23,201 | 205.3% | |
| Net profit margin | % | 17.5 | 17.1 | 102.2% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 2,805,182 | 813,594 | 344.8% | |
| Deposits | Rs m | 39,503 | 0 | - | |
| Credit/Deposit ratio | x | 7,101.2 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 19.5 | 0 | - | |
| Net Interest Margin | % | 3.1 | 8.6 | 35.8% | |
| Net fixed assets | Rs m | 3,596 | 5,194 | 69.2% | |
| Share capital | Rs m | 1,101 | 24,889 | 4.4% | |
| Free reserves | Rs m | 313,666 | 208,398 | 150.5% | |
| Net worth | Rs m | 314,767 | 233,288 | 134.9% | |
| Borrowings | Rs m | 280,677 | 224,028 | 125.3% | |
| Investments | Rs m | 71,023 | 133,480 | 53.2% | |
| Total assets | Rs m | 2,896,952 | 1,008,606 | 287.2% | |
| Debt/equity ratio | x | 1.0 | 1.0 | 105.9% | |
| Return on assets | % | 1.6 | 2.3 | 71.5% | |
| Return on equity | % | 15.1 | 9.9 | 152.2% | |
| Capital adequacy ratio | % | 20.8 | 22.8 | 91.0% | |
| Net NPAs | % | 1.6 | 1.7 | 97.6% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -71,510 | 6,735 | -1,061.8% | |
| From Investments | Rs m | 5,869 | 8,486 | 69.2% | |
| From Financial Activity | Rs m | 73,456 | -70,374 | -104.4% | |
| Net Cashflow | Rs m | 7,814 | -55,153 | -14.2% | |
Share Holding
| Indian Promoters | % | 45.2 | 66.3 | 68.2% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 42.5 | 19.1 | 222.8% | |
| FIIs | % | 22.0 | 6.7 | 326.2% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 54.8 | 33.7 | 162.4% | |
| Shareholders | 361,857 | 787,291 | 46.0% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare LIC HOUSING With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS AAVAS FINANCIERS
More on LIC Housing 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:
LIC Housing vs L&T FINANCE Share Price Performance
| Period | LIC Housing | L&T FINANCE |
|---|---|---|
| 1-Day | 2.19% | 2.62% |
| 1-Month | 5.51% | 1.96% |
| 1-Year | 37.91% | -1.07% |
| 3-Year CAGR | 16.79% | 21.91% |
| 5-Year CAGR | 7.47% | 8.12% |
* Compound Annual Growth Rate
Here are more details on the LIC Housing share price and the L&T FINANCE share price.
Moving on to shareholding structures...
The promoters of LIC Housing hold a 45.2% 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 LIC Housing and the shareholding pattern of L&T FINANCE.
Finally, a word on dividends...
In the most recent financial year, LIC Housing paid a dividend of Rs 9.0 per share. This amounted to a Dividend Payout ratio of 10.4%.
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 LIC Housing, and the dividend history of L&T FINANCE.
For a sector overview, read our finance sector report.
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