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- Indian - finance
- L&T FINANCE - HOME FIRST FINANCE
L&T FINANCE vs HOME FIRST FINANCE - Comparison Results
Current Valuations
| L&T FINANCE | HOME FIRST FINANCE | L&T FINANCE/ HOME FIRST FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 13.5 | 27.4 | 49.4% | View Chart |
| P/BV | x | 1.5 | 4.5 | 33.2% | View Chart |
| Dividend Yield | % | 1.8 | 0.3 | 553.4% |
Financials
 L&T FINANCE  HOME FIRST FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| L&T FINANCE Mar-24 |
HOME FIRST FINANCE Mar-24 |
L&T FINANCE/ HOME FIRST FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 179 | 1,059 | 16.9% | |
| Low | Rs | 82 | 686 | 12.0% | |
| Income per share (Unadj.) | Rs | 54.6 | 128.5 | 42.5% | |
| Earnings per share (Unadj.) | Rs | 9.3 | 34.5 | 27.0% | |
| Cash flow per share (Unadj.) | Rs | 41.0 | 58.7 | 69.8% | |
| Dividends per share (Unadj.) | Rs | 2.50 | 3.40 | 73.5% | |
| Avg Dividend yield | % | 1.9 | 0.4 | 490.8% | |
| Book value per share (Unadj.) | Rs | 93.7 | 235.3 | 39.8% | |
| Shares outstanding (eoy) | m | 2,488.94 | 88.52 | 2,811.7% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 6.8 | 35.3% | |
| Avg P/E ratio | x | 14.0 | 25.3 | 55.5% | |
| Avg P/CF ratio | x | 13.9 | 18.0 | 77.0% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 3.7 | 37.6% | |
| Dividend payout | % | 26.8 | 9.8 | 272.4% | |
| Avg Mkt Cap | Rs m | 325,304 | 77,217 | 421.3% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 18,064 | 1,483 | 1,217.7% | |
| 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 | 11,374 | 1,194.0% | |
| Other income | Rs m | 21,574 | 191 | 11,295.9% | |
| Interest expense | Rs m | 54,001 | 5,030 | 1,073.7% | |
| Net interest income | Rs m | 81,805 | 6,345 | 1,289.3% | |
| Operating expense | Rs m | 71,941 | 2,419 | 2,974.0% | |
| Gross profit | Rs m | 9,864 | 3,926 | 251.3% | |
| Gross profit margin | % | 7.3 | 34.5 | 21.0% | |
| Provisions/contingencies | Rs m | 214 | 1,222 | 17.5% | |
| Profit before tax | Rs m | 30,290 | 4,000 | 757.3% | |
| 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 | 942 | 755.4% | |
| Profit after tax | Rs m | 23,201 | 3,057 | 758.9% | |
| Net profit margin | % | 17.1 | 26.9 | 63.6% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 813,594 | 67,484 | 1,205.6% | |
| 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 | 7.4 | 116.0% | |
| Net fixed assets | Rs m | 5,194 | 300 | 1,729.4% | |
| Share capital | Rs m | 24,889 | 177 | 14,059.4% | |
| Free reserves | Rs m | 208,398 | 20,648 | 1,009.3% | |
| Net worth | Rs m | 233,288 | 20,825 | 1,120.2% | |
| Borrowings | Rs m | 224,028 | 58 | 386,455.2% | |
| Investments | Rs m | 133,480 | 17,744 | 752.2% | |
| Total assets | Rs m | 1,008,606 | 96,490 | 1,045.3% | |
| Debt/equity ratio | x | 1.0 | 0 | 34,497.6% | |
| Return on assets | % | 2.3 | 3.2 | 72.6% | |
| Return on equity | % | 9.9 | 14.7 | 67.7% | |
| Capital adequacy ratio | % | 22.8 | 39.5 | 57.9% | |
| Net NPAs | % | 1.7 | 1.2 | 139.2% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 6,735 | -19,077 | -35.3% | |
| From Investments | Rs m | 8,486 | -2,174 | -390.4% | |
| From Financial Activity | Rs m | -70,374 | 24,700 | -284.9% | |
| Net Cashflow | Rs m | -55,153 | 3,449 | -1,599.1% | |
Share Holding
| Indian Promoters | % | 66.3 | 14.1 | 471.1% | |
| Foreign collaborators | % | 0.0 | 9.3 | - | |
| Indian inst/Mut Fund | % | 19.1 | 38.0 | 50.2% | |
| FIIs | % | 6.7 | 25.5 | 26.4% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 33.7 | 76.6 | 44.0% | |
| Shareholders | 787,291 | 78,604 | 1,001.6% | ||
| 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 HOME FIRST FINANCE
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 HOME FIRST FINANCE Share Price Performance
| Period | L&T FINANCE | HOME FIRST FINANCE |
|---|---|---|
| 1-Day | 0.87% | 0.26% |
| 1-Month | -11.52% | -6.40% |
| 1-Year | 0.25% | 11.67% |
| 3-Year CAGR | 20.97% | 11.05% |
| 5-Year CAGR | 8.51% | 14.80% |
* Compound Annual Growth Rate
Here are more details on the L&T FINANCE share price and the HOME FIRST FINANCE share price.
Moving on to shareholding structures...
The promoters of L&T FINANCE hold a 66.3% stake in the company. In case of HOME FIRST FINANCE the stake stands at 23.4%.
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 HOME FIRST FINANCE.
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%.
HOME FIRST FINANCE paid Rs 3.4, and its dividend payout ratio stood at 9.8%.
You may visit here to review the dividend history of L&T FINANCE, and the dividend history of HOME FIRST FINANCE.
For a sector overview, read our finance sector report.
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