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- Indian - finance
- L&T FINANCE - CREDITACCESS GRAMEEN
L&T FINANCE vs CREDITACCESS GRAMEEN - Comparison Results
Current Valuations
| L&T FINANCE | CREDITACCESS GRAMEEN | L&T FINANCE/ CREDITACCESS GRAMEEN |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 13.5 | 10.6 | 128.2% | View Chart |
| P/BV | x | 1.5 | 2.2 | 69.3% | View Chart |
| Dividend Yield | % | 1.8 | 1.1 | 158.0% |
Financials
 L&T FINANCE  CREDITACCESS GRAMEEN |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| L&T FINANCE Mar-24 |
CREDITACCESS GRAMEEN Mar-24 |
L&T FINANCE/ CREDITACCESS GRAMEEN |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 179 | 1,794 | 10.0% | |
| Low | Rs | 82 | 903 | 9.1% | |
| Income per share (Unadj.) | Rs | 54.6 | 324.2 | 16.8% | |
| Earnings per share (Unadj.) | Rs | 9.3 | 90.7 | 10.3% | |
| Cash flow per share (Unadj.) | Rs | 41.0 | 212.1 | 19.3% | |
| Dividends per share (Unadj.) | Rs | 2.50 | 10.00 | 25.0% | |
| Avg Dividend yield | % | 1.9 | 0.7 | 258.0% | |
| Book value per share (Unadj.) | Rs | 93.7 | 410.3 | 22.8% | |
| Shares outstanding (eoy) | m | 2,488.94 | 159.38 | 1,561.6% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 4.2 | 57.6% | |
| Avg P/E ratio | x | 14.0 | 14.9 | 94.3% | |
| Avg P/CF ratio | x | 13.9 | 14.8 | 93.7% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 3.3 | 42.4% | |
| Dividend payout | % | 26.8 | 11.0 | 243.3% | |
| Avg Mkt Cap | Rs m | 325,304 | 214,968 | 151.3% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 18,064 | 6,694 | 269.8% | |
| 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 | 51,667 | 262.8% | |
| Other income | Rs m | 21,574 | 60 | 36,076.9% | |
| Interest expense | Rs m | 54,001 | 17,384 | 310.6% | |
| Net interest income | Rs m | 81,805 | 34,283 | 238.6% | |
| Operating expense | Rs m | 71,941 | 14,440 | 498.2% | |
| Gross profit | Rs m | 9,864 | 19,844 | 49.7% | |
| Gross profit margin | % | 7.3 | 38.4 | 18.9% | |
| Provisions/contingencies | Rs m | 214 | 32 | 662.1% | |
| Profit before tax | Rs m | 30,290 | 19,392 | 156.2% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 30 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 7,119 | 4,933 | 144.3% | |
| Profit after tax | Rs m | 23,201 | 14,459 | 160.5% | |
| Net profit margin | % | 17.1 | 28.0 | 61.0% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 813,594 | 251,050 | 324.1% | |
| Deposits | Rs m | 0 | 0 | - | |
| Credit/Deposit ratio | x | 0 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 0 | - | |
| Net Interest Margin | % | 8.6 | 12.3 | 70.3% | |
| Net fixed assets | Rs m | 5,194 | 6,091 | 85.3% | |
| Share capital | Rs m | 24,889 | 1,594 | 1,561.6% | |
| Free reserves | Rs m | 208,398 | 63,794 | 326.7% | |
| Net worth | Rs m | 233,288 | 65,388 | 356.8% | |
| Borrowings | Rs m | 224,028 | 252 | 88,759.2% | |
| Investments | Rs m | 133,480 | 28,109 | 474.9% | |
| Total assets | Rs m | 1,008,606 | 300,100 | 336.1% | |
| Debt/equity ratio | x | 1.0 | 0 | 24,878.3% | |
| Return on assets | % | 2.3 | 4.8 | 47.7% | |
| Return on equity | % | 9.9 | 22.1 | 45.0% | |
| Capital adequacy ratio | % | 22.8 | 23.1 | 98.7% | |
| Net NPAs | % | 1.7 | 0.4 | 477.1% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 6,735 | -47,338 | -14.2% | |
| From Investments | Rs m | 8,486 | -9,942 | -85.4% | |
| From Financial Activity | Rs m | -70,374 | 54,939 | -128.1% | |
| Net Cashflow | Rs m | -55,153 | -2,341 | 2,355.8% | |
Share Holding
| Indian Promoters | % | 66.3 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 66.5 | - | |
| Indian inst/Mut Fund | % | 19.1 | 25.6 | 74.4% | |
| FIIs | % | 6.7 | 10.8 | 62.5% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 33.7 | 33.5 | 100.7% | |
| Shareholders | 787,291 | 103,928 | 757.5% | ||
| 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 CREDITACCESS GRAMEEN
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 CREDITACCESS GRAMEEN Share Price Performance
| Period | L&T FINANCE | CREDITACCESS GRAMEEN |
|---|---|---|
| 1-Day | 0.87% | 0.24% |
| 1-Month | -11.52% | -12.95% |
| 1-Year | 0.25% | -45.83% |
| 3-Year CAGR | 20.97% | 15.92% |
| 5-Year CAGR | 8.51% | 1.85% |
* Compound Annual Growth Rate
Here are more details on the L&T FINANCE share price and the CREDITACCESS GRAMEEN share price.
Moving on to shareholding structures...
The promoters of L&T FINANCE hold a 66.3% stake in the company. In case of CREDITACCESS GRAMEEN the stake stands at 66.5%.
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 CREDITACCESS GRAMEEN.
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%.
CREDITACCESS GRAMEEN paid Rs 10.0, and its dividend payout ratio stood at 11.0%.
You may visit here to review the dividend history of L&T FINANCE, and the dividend history of CREDITACCESS GRAMEEN.
For a sector overview, read our finance sector report.
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