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- L&T FINANCE - BENGAL & ASSAM
L&T FINANCE vs BENGAL & ASSAM - Comparison Results
Current Valuations
| L&T FINANCE | BENGAL & ASSAM | L&T FINANCE/ BENGAL & ASSAM |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 13.5 | 3.4 | 397.6% | View Chart |
| P/BV | x | 1.5 | 1.2 | 126.7% | View Chart |
| Dividend Yield | % | 1.8 | 0.4 | 422.9% |
Financials
 L&T FINANCE  BENGAL & ASSAM |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| L&T FINANCE Mar-24 |
BENGAL & ASSAM Mar-24 |
L&T FINANCE/ BENGAL & ASSAM |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 179 | 10,389 | 1.7% | |
| Low | Rs | 82 | 3,251 | 2.5% | |
| Income per share (Unadj.) | Rs | 54.6 | 11,431.3 | 0.5% | |
| Earnings per share (Unadj.) | Rs | 9.3 | 3,443.9 | 0.3% | |
| Cash flow per share (Unadj.) | Rs | 41.0 | 13,785.3 | 0.3% | |
| Dividends per share (Unadj.) | Rs | 2.50 | 40.00 | 6.3% | |
| Avg Dividend yield | % | 1.9 | 0.6 | 326.1% | |
| Book value per share (Unadj.) | Rs | 93.7 | 8,013.7 | 1.2% | |
| Shares outstanding (eoy) | m | 2,488.94 | 11.30 | 22,026.0% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 0.6 | 401.6% | |
| Avg P/E ratio | x | 14.0 | 2.0 | 708.3% | |
| Avg P/CF ratio | x | 13.9 | 2.0 | 701.8% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 0.9 | 163.9% | |
| Dividend payout | % | 26.8 | 1.2 | 2,309.8% | |
| Avg Mkt Cap | Rs m | 325,304 | 77,040 | 422.3% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 18,064 | 12,790 | 141.2% | |
| 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 | 129,174 | 105.1% | |
| Other income | Rs m | 21,574 | 774 | 2,786.3% | |
| Interest expense | Rs m | 54,001 | 3,655 | 1,477.2% | |
| Net interest income | Rs m | 81,805 | 125,519 | 65.2% | |
| Operating expense | Rs m | 71,941 | 110,438 | 65.1% | |
| Gross profit | Rs m | 9,864 | 15,081 | 65.4% | |
| Gross profit margin | % | 7.3 | 11.7 | 62.2% | |
| Provisions/contingencies | Rs m | 214 | 1 | 28,916.2% | |
| Profit before tax | Rs m | 30,290 | 41,092 | 73.7% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 30 | -3,020 | -1.0% | |
| Prior Period Items | Rs m | 0 | 7,264 | 0.0% | |
| Tax | Rs m | 7,119 | 6,421 | 110.9% | |
| Profit after tax | Rs m | 23,201 | 38,916 | 59.6% | |
| Net profit margin | % | 17.1 | 30.1 | 56.7% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 813,594 | 0 | - | |
| Deposits | Rs m | 0 | 75 | 0.0% | |
| Credit/Deposit ratio | x | 0 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 0 | - | |
| Net Interest Margin | % | 8.6 | 138.0 | 6.3% | |
| Net fixed assets | Rs m | 5,194 | 4,381 | 118.6% | |
| Share capital | Rs m | 24,889 | 113 | 22,033.8% | |
| Free reserves | Rs m | 208,398 | 90,442 | 230.4% | |
| Net worth | Rs m | 233,288 | 90,555 | 257.6% | |
| Borrowings | Rs m | 224,028 | 1,403 | 15,973.3% | |
| Investments | Rs m | 133,480 | 90,945 | 146.8% | |
| Total assets | Rs m | 1,008,606 | 104,372 | 966.4% | |
| Debt/equity ratio | x | 1.0 | 0 | 4,148.9% | |
| Return on assets | % | 2.3 | 37.3 | 6.2% | |
| Return on equity | % | 9.9 | 43.0 | 23.1% | |
| Capital adequacy ratio | % | 22.8 | 0 | - | |
| Net NPAs | % | 1.7 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 6,735 | 18,172 | 37.1% | |
| From Investments | Rs m | 8,486 | -12,602 | -67.3% | |
| From Financial Activity | Rs m | -70,374 | -5,899 | 1,192.9% | |
| Net Cashflow | Rs m | -55,153 | -1,651 | 3,340.7% | |
Share Holding
| Indian Promoters | % | 66.3 | 73.0 | 90.8% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 19.1 | 4.6 | 418.0% | |
| FIIs | % | 6.7 | 4.6 | 147.9% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 33.7 | 27.0 | 124.9% | |
| Shareholders | 787,291 | 21,119 | 3,727.9% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare L&T FINANCE With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS INDOSTAR CAPITAL
More on L&T FINANCE vs BENGAL & ASSAM
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 BENGAL & ASSAM Share Price Performance
| Period | L&T FINANCE | BENGAL & ASSAM |
|---|---|---|
| 1-Day | 0.87% | 0.40% |
| 1-Month | -11.52% | -5.18% |
| 1-Year | 0.25% | 17.32% |
| 3-Year CAGR | 20.97% | 67.82% |
| 5-Year CAGR | 8.51% | 49.17% |
* Compound Annual Growth Rate
Here are more details on the L&T FINANCE share price and the BENGAL & ASSAM share price.
Moving on to shareholding structures...
The promoters of L&T FINANCE hold a 66.3% stake in the company. In case of BENGAL & ASSAM the stake stands at 73.0%.
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 BENGAL & ASSAM.
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%.
BENGAL & ASSAM paid Rs 40.0, and its dividend payout ratio stood at 1.2%.
You may visit here to review the dividend history of L&T FINANCE, and the dividend history of BENGAL & ASSAM.
For a sector overview, read our finance sector report.
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