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- L&T FINANCE - CHOLAMANDALAM INVEST
L&T FINANCE vs CHOLAMANDALAM INVEST - Comparison Results
Current Valuations
| L&T FINANCE | CHOLAMANDALAM INVEST | L&T FINANCE/ CHOLAMANDALAM INVEST |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 13.6 | 27.2 | 50.2% | View Chart |
| P/BV | x | 1.5 | 5.4 | 28.1% | View Chart |
| Dividend Yield | % | 1.8 | 0.2 | 1,101.2% |
Financials
 L&T FINANCE  CHOLAMANDALAM INVEST |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| L&T FINANCE Mar-24 |
CHOLAMANDALAM INVEST Mar-24 |
L&T FINANCE/ CHOLAMANDALAM INVEST |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 179 | 1,310 | 13.7% | |
| Low | Rs | 82 | 763 | 10.8% | |
| Income per share (Unadj.) | Rs | 54.6 | 227.9 | 23.9% | |
| Earnings per share (Unadj.) | Rs | 9.3 | 40.7 | 22.9% | |
| Cash flow per share (Unadj.) | Rs | 41.0 | 118.9 | 34.5% | |
| Dividends per share (Unadj.) | Rs | 2.50 | 2.00 | 125.0% | |
| Avg Dividend yield | % | 1.9 | 0.2 | 991.4% | |
| Book value per share (Unadj.) | Rs | 93.7 | 231.6 | 40.5% | |
| Shares outstanding (eoy) | m | 2,488.94 | 839.97 | 296.3% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 4.5 | 52.7% | |
| Avg P/E ratio | x | 14.0 | 25.5 | 55.1% | |
| Avg P/CF ratio | x | 13.9 | 25.3 | 54.9% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 4.5 | 31.2% | |
| Dividend payout | % | 26.8 | 4.9 | 546.0% | |
| Avg Mkt Cap | Rs m | 325,304 | 870,691 | 37.4% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 18,064 | 24,786 | 72.9% | |
| 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 | 191,396 | 71.0% | |
| Other income | Rs m | 21,574 | 2,824 | 764.0% | |
| Interest expense | Rs m | 54,001 | 92,308 | 58.5% | |
| Net interest income | Rs m | 81,805 | 99,089 | 82.6% | |
| Operating expense | Rs m | 71,941 | 53,879 | 133.5% | |
| Gross profit | Rs m | 9,864 | 45,210 | 21.8% | |
| Gross profit margin | % | 7.3 | 23.6 | 30.7% | |
| Provisions/contingencies | Rs m | 214 | 194 | 110.3% | |
| Profit before tax | Rs m | 30,290 | 46,053 | 65.8% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 30 | 0 | - | |
| Prior Period Items | Rs m | 0 | 93 | 0.0% | |
| Tax | Rs m | 7,119 | 11,946 | 59.6% | |
| Profit after tax | Rs m | 23,201 | 34,201 | 67.8% | |
| Net profit margin | % | 17.1 | 17.9 | 95.6% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 813,594 | 1,444,627 | 56.3% | |
| 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 | 6.6 | 129.9% | |
| Net fixed assets | Rs m | 5,194 | 15,632 | 33.2% | |
| Share capital | Rs m | 24,889 | 1,681 | 1,481.0% | |
| Free reserves | Rs m | 208,398 | 192,848 | 108.1% | |
| Net worth | Rs m | 233,288 | 194,529 | 119.9% | |
| Borrowings | Rs m | 224,028 | 70,351 | 318.4% | |
| Investments | Rs m | 133,480 | 46,026 | 290.0% | |
| Total assets | Rs m | 1,008,606 | 1,560,306 | 64.6% | |
| Debt/equity ratio | x | 1.0 | 0.4 | 265.5% | |
| Return on assets | % | 2.3 | 2.2 | 104.9% | |
| Return on equity | % | 9.9 | 17.6 | 56.6% | |
| Capital adequacy ratio | % | 22.8 | 18.6 | 123.0% | |
| Net NPAs | % | 1.7 | 2.3 | 72.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 6,735 | -356,829 | -1.9% | |
| From Investments | Rs m | 8,486 | -28,546 | -29.7% | |
| From Financial Activity | Rs m | -70,374 | 384,712 | -18.3% | |
| Net Cashflow | Rs m | -55,153 | -662 | 8,330.1% | |
Share Holding
| Indian Promoters | % | 66.3 | 50.1 | 132.3% | |
| Foreign collaborators | % | 0.0 | 0.1 | - | |
| Indian inst/Mut Fund | % | 19.1 | 43.8 | 43.6% | |
| FIIs | % | 6.7 | 27.2 | 24.8% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 33.7 | 49.8 | 67.7% | |
| Shareholders | 787,291 | 146,889 | 536.0% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare L&T FINANCE With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT SBI CARDS AAVAS FINANCIERS INDOSTAR CAPITAL
More on L&T FINANCE vs Cholamandalam Invest
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 Cholamandalam Invest Share Price Performance
| Period | L&T FINANCE | Cholamandalam Invest |
|---|---|---|
| 1-Day | 0.97% | 2.59% |
| 1-Month | 0.32% | -9.73% |
| 1-Year | -2.66% | 12.17% |
| 3-Year CAGR | 21.26% | 28.53% |
| 5-Year CAGR | 7.77% | 31.33% |
* Compound Annual Growth Rate
Here are more details on the L&T FINANCE share price and the Cholamandalam Invest share price.
Moving on to shareholding structures...
The promoters of L&T FINANCE hold a 66.3% stake in the company. In case of Cholamandalam Invest the stake stands at 50.2%.
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 Cholamandalam Invest.
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%.
Cholamandalam Invest paid Rs 2.0, and its dividend payout ratio stood at 4.9%.
You may visit here to review the dividend history of L&T FINANCE, and the dividend history of Cholamandalam Invest.
For a sector overview, read our finance sector report.
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