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- L&T FINANCE - MAS FINANCIAL SERVICES
L&T FINANCE vs MAS FINANCIAL SERVICES - Comparison Results
Current Valuations
| L&T FINANCE | MAS FINANCIAL SERVICES | L&T FINANCE/ MAS FINANCIAL SERVICES |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 13.5 | 18.6 | 72.7% | View Chart |
| P/BV | x | 1.5 | 3.0 | 50.2% | View Chart |
| Dividend Yield | % | 1.8 | 1.2 | 148.9% |
Financials
 L&T FINANCE  MAS FINANCIAL SERVICES |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| L&T FINANCE Mar-24 |
MAS FINANCIAL SERVICES Mar-24 |
L&T FINANCE/ MAS FINANCIAL SERVICES |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 179 | 1,025 | 17.5% | |
| Low | Rs | 82 | 227 | 36.4% | |
| Income per share (Unadj.) | Rs | 54.6 | 78.0 | 70.0% | |
| Earnings per share (Unadj.) | Rs | 9.3 | 15.3 | 60.9% | |
| Cash flow per share (Unadj.) | Rs | 41.0 | 37.4 | 109.7% | |
| Dividends per share (Unadj.) | Rs | 2.50 | 3.51 | 71.2% | |
| Avg Dividend yield | % | 1.9 | 0.6 | 341.0% | |
| Book value per share (Unadj.) | Rs | 93.7 | 108.7 | 86.2% | |
| Shares outstanding (eoy) | m | 2,488.94 | 163.99 | 1,517.7% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 8.0 | 29.9% | |
| Avg P/E ratio | x | 14.0 | 40.9 | 34.3% | |
| Avg P/CF ratio | x | 13.9 | 39.4 | 35.3% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 5.8 | 24.2% | |
| Dividend payout | % | 26.8 | 22.9 | 117.0% | |
| Avg Mkt Cap | Rs m | 325,304 | 102,628 | 317.0% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 18,064 | 1,005 | 1,798.3% | |
| 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 | 12,792 | 1,061.7% | |
| Other income | Rs m | 21,574 | 71 | 30,428.8% | |
| Interest expense | Rs m | 54,001 | 6,564 | 822.7% | |
| Net interest income | Rs m | 81,805 | 6,228 | 1,313.6% | |
| Operating expense | Rs m | 71,941 | 2,859 | 2,516.3% | |
| Gross profit | Rs m | 9,864 | 3,369 | 292.8% | |
| Gross profit margin | % | 7.3 | 26.3 | 27.6% | |
| Provisions/contingencies | Rs m | 214 | 96 | 223.3% | |
| Profit before tax | Rs m | 30,290 | 3,397 | 891.8% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 30 | -30 | -100.3% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 7,119 | 857 | 831.1% | |
| Profit after tax | Rs m | 23,201 | 2,511 | 924.2% | |
| Net profit margin | % | 17.1 | 19.6 | 87.0% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 813,594 | 77,194 | 1,054.0% | |
| 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 | 117.1% | |
| Net fixed assets | Rs m | 5,194 | 254 | 2,042.3% | |
| Share capital | Rs m | 24,889 | 1,640 | 1,517.7% | |
| Free reserves | Rs m | 208,398 | 16,187 | 1,287.4% | |
| Net worth | Rs m | 233,288 | 17,827 | 1,308.6% | |
| Borrowings | Rs m | 224,028 | 11,145 | 2,010.1% | |
| Investments | Rs m | 133,480 | 7,262 | 1,838.2% | |
| Total assets | Rs m | 1,008,606 | 96,165 | 1,048.8% | |
| Debt/equity ratio | x | 1.0 | 0.6 | 153.6% | |
| Return on assets | % | 2.3 | 2.6 | 88.1% | |
| Return on equity | % | 9.9 | 14.1 | 70.6% | |
| Capital adequacy ratio | % | 22.8 | 24.1 | 95.0% | |
| Net NPAs | % | 1.7 | 1.5 | 111.3% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 6,735 | -13,661 | -49.3% | |
| From Investments | Rs m | 8,486 | 501 | 1,694.5% | |
| From Financial Activity | Rs m | -70,374 | 12,900 | -545.5% | |
| Net Cashflow | Rs m | -55,153 | -260 | 21,212.8% | |
Share Holding
| Indian Promoters | % | 66.3 | 66.6 | 99.5% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 19.1 | 23.0 | 83.1% | |
| FIIs | % | 6.7 | 2.7 | 247.4% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 33.7 | 33.4 | 101.0% | |
| Shareholders | 787,291 | 50,510 | 1,558.7% | ||
| 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 MAS FINANCIAL SERVICES
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 MAS FINANCIAL SERVICES Share Price Performance
| Period | L&T FINANCE | MAS FINANCIAL SERVICES |
|---|---|---|
| 1-Day | 0.87% | 1.76% |
| 1-Month | -11.52% | -1.45% |
| 1-Year | 0.25% | -3.91% |
| 3-Year CAGR | 20.97% | 7.59% |
| 5-Year CAGR | 8.51% | 3.87% |
* Compound Annual Growth Rate
Here are more details on the L&T FINANCE share price and the MAS FINANCIAL SERVICES share price.
Moving on to shareholding structures...
The promoters of L&T FINANCE hold a 66.3% stake in the company. In case of MAS FINANCIAL SERVICES the stake stands at 66.6%.
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 MAS FINANCIAL SERVICES.
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%.
MAS FINANCIAL SERVICES paid Rs 3.5, and its dividend payout ratio stood at 22.9%.
You may visit here to review the dividend history of L&T FINANCE, and the dividend history of MAS FINANCIAL SERVICES.
For a sector overview, read our finance sector report.
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