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- L&T FINANCE - GIC HOUSING
L&T FINANCE vs GIC HOUSING - Comparison Results
Current Valuations
| L&T FINANCE | GIC HOUSING | L&T FINANCE/ GIC HOUSING |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 13.5 | 6.8 | 198.6% | View Chart |
| P/BV | x | 1.5 | 0.6 | 243.2% | View Chart |
| Dividend Yield | % | 1.8 | 2.2 | 82.9% |
Financials
 L&T FINANCE  GIC HOUSING |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| L&T FINANCE Mar-24 |
GIC HOUSING Mar-24 |
L&T FINANCE/ GIC HOUSING |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 179 | 292 | 61.2% | |
| Low | Rs | 82 | 155 | 53.3% | |
| Income per share (Unadj.) | Rs | 54.6 | 196.3 | 27.8% | |
| Earnings per share (Unadj.) | Rs | 9.3 | 28.1 | 33.2% | |
| Cash flow per share (Unadj.) | Rs | 41.0 | 60.8 | 67.5% | |
| Dividends per share (Unadj.) | Rs | 2.50 | 4.50 | 55.6% | |
| Avg Dividend yield | % | 1.9 | 2.0 | 95.0% | |
| Book value per share (Unadj.) | Rs | 93.7 | 339.6 | 27.6% | |
| Shares outstanding (eoy) | m | 2,488.94 | 53.85 | 4,622.0% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 1.1 | 210.4% | |
| Avg P/E ratio | x | 14.0 | 8.0 | 176.3% | |
| Avg P/CF ratio | x | 13.9 | 7.2 | 194.0% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 0.7 | 211.9% | |
| Dividend payout | % | 26.8 | 16.0 | 167.5% | |
| Avg Mkt Cap | Rs m | 325,304 | 12,034 | 2,703.1% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 18,064 | 640 | 2,822.5% | |
| 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 | 10,572 | 1,284.6% | |
| Other income | Rs m | 21,574 | 125 | 17,204.1% | |
| Interest expense | Rs m | 54,001 | 7,107 | 759.8% | |
| Net interest income | Rs m | 81,805 | 3,465 | 2,361.0% | |
| Operating expense | Rs m | 71,941 | 1,398 | 5,144.5% | |
| Gross profit | Rs m | 9,864 | 2,066 | 477.4% | |
| Gross profit margin | % | 7.3 | 19.5 | 37.2% | |
| Provisions/contingencies | Rs m | 214 | 167 | 128.1% | |
| Profit before tax | Rs m | 30,290 | 2,042 | 1,483.7% | |
| 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 | 528 | 1,348.0% | |
| Profit after tax | Rs m | 23,201 | 1,514 | 1,532.9% | |
| Net profit margin | % | 17.1 | 14.3 | 119.3% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 813,594 | 99,783 | 815.4% | |
| 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 | 3.4 | 253.9% | |
| Net fixed assets | Rs m | 5,194 | 436 | 1,190.4% | |
| Share capital | Rs m | 24,889 | 539 | 4,619.4% | |
| Free reserves | Rs m | 208,398 | 17,750 | 1,174.1% | |
| Net worth | Rs m | 233,288 | 18,288 | 1,275.6% | |
| Borrowings | Rs m | 224,028 | 3,965 | 5,650.7% | |
| Investments | Rs m | 133,480 | 2,070 | 6,447.1% | |
| Total assets | Rs m | 1,008,606 | 103,964 | 970.1% | |
| Debt/equity ratio | x | 1.0 | 0.2 | 443.0% | |
| Return on assets | % | 2.3 | 1.5 | 158.0% | |
| Return on equity | % | 9.9 | 8.3 | 120.2% | |
| Capital adequacy ratio | % | 22.8 | 33.6 | 68.1% | |
| Net NPAs | % | 1.7 | 2.7 | 62.1% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 6,735 | 5,221 | 129.0% | |
| From Investments | Rs m | 8,486 | 635 | 1,336.4% | |
| From Financial Activity | Rs m | -70,374 | -6,194 | 1,136.2% | |
| Net Cashflow | Rs m | -55,153 | -338 | 16,298.3% | |
Share Holding
| Indian Promoters | % | 66.3 | 42.4 | 156.3% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 19.1 | 8.8 | 216.6% | |
| FIIs | % | 6.7 | 2.9 | 231.3% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 33.7 | 57.6 | 58.5% | |
| Shareholders | 787,291 | 67,589 | 1,164.8% | ||
| 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 GIC HOUSING
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 GIC HOUSING Share Price Performance
| Period | L&T FINANCE | GIC HOUSING |
|---|---|---|
| 1-Day | 0.87% | 3.37% |
| 1-Month | -11.52% | -4.14% |
| 1-Year | 0.25% | 11.76% |
| 3-Year CAGR | 20.97% | 10.94% |
| 5-Year CAGR | 8.51% | 6.47% |
* Compound Annual Growth Rate
Here are more details on the L&T FINANCE share price and the GIC HOUSING share price.
Moving on to shareholding structures...
The promoters of L&T FINANCE hold a 66.3% stake in the company. In case of GIC HOUSING the stake stands at 42.4%.
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 GIC HOUSING.
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%.
GIC HOUSING paid Rs 4.5, and its dividend payout ratio stood at 16.0%.
You may visit here to review the dividend history of L&T FINANCE, and the dividend history of GIC HOUSING.
For a sector overview, read our finance sector report.
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