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- Indian - finance
- L&T FINANCE - PNB GILTS
L&T FINANCE vs PNB GILTS - Comparison Results
Current Valuations
| L&T FINANCE | PNB GILTS | L&T FINANCE/ PNB GILTS |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 13.5 | 9.2 | 146.5% | View Chart |
| P/BV | x | 1.5 | 1.5 | 97.4% | View Chart |
| Dividend Yield | % | 1.8 | 0.9 | 202.8% |
Financials
 L&T FINANCE  PNB GILTS |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| L&T FINANCE Mar-24 |
PNB GILTS Mar-24 |
L&T FINANCE/ PNB GILTS |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 179 | 128 | 139.4% | |
| Low | Rs | 82 | 57 | 145.2% | |
| Income per share (Unadj.) | Rs | 54.6 | 87.6 | 62.3% | |
| Earnings per share (Unadj.) | Rs | 9.3 | 3.9 | 241.7% | |
| Cash flow per share (Unadj.) | Rs | 41.0 | 3.7 | 1,119.1% | |
| Dividends per share (Unadj.) | Rs | 2.50 | 1.00 | 250.0% | |
| Avg Dividend yield | % | 1.9 | 1.1 | 177.1% | |
| Book value per share (Unadj.) | Rs | 93.7 | 73.9 | 126.9% | |
| Shares outstanding (eoy) | m | 2,488.94 | 180.01 | 1,382.7% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 1.1 | 226.6% | |
| Avg P/E ratio | x | 14.0 | 24.0 | 58.4% | |
| Avg P/CF ratio | x | 13.9 | 10.7 | 130.3% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 1.3 | 111.3% | |
| Dividend payout | % | 26.8 | 25.9 | 103.4% | |
| Avg Mkt Cap | Rs m | 325,304 | 16,664 | 1,952.2% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 18,064 | 166 | 10,896.2% | |
| 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 | 15,764 | 861.5% | |
| Other income | Rs m | 21,574 | 21 | 104,728.2% | |
| Interest expense | Rs m | 54,001 | 14,138 | 381.9% | |
| Net interest income | Rs m | 81,805 | 1,625 | 5,033.7% | |
| Operating expense | Rs m | 71,941 | 540 | 13,312.6% | |
| Gross profit | Rs m | 9,864 | 1,085 | 909.3% | |
| Gross profit margin | % | 7.3 | 6.9 | 105.6% | |
| Provisions/contingencies | Rs m | 214 | 869 | 24.6% | |
| Profit before tax | Rs m | 30,290 | 988 | 3,065.4% | |
| 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 | 294 | 2,421.2% | |
| Profit after tax | Rs m | 23,201 | 694 | 3,342.6% | |
| Net profit margin | % | 17.1 | 4.4 | 388.0% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 813,594 | 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 | 0.7 | 1,231.2% | |
| Net fixed assets | Rs m | 5,194 | 72 | 7,247.4% | |
| Share capital | Rs m | 24,889 | 1,800 | 1,382.7% | |
| Free reserves | Rs m | 208,398 | 11,497 | 1,812.6% | |
| Net worth | Rs m | 233,288 | 13,298 | 1,754.4% | |
| Borrowings | Rs m | 224,028 | 223,990 | 100.0% | |
| Investments | Rs m | 133,480 | 231,644 | 57.6% | |
| Total assets | Rs m | 1,008,606 | 245,248 | 411.3% | |
| Debt/equity ratio | x | 1.0 | 16.8 | 5.7% | |
| Return on assets | % | 2.3 | 0.3 | 812.8% | |
| Return on equity | % | 9.9 | 5.2 | 190.5% | |
| Capital adequacy ratio | % | 22.8 | 34.0 | 67.2% | |
| Net NPAs | % | 1.7 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 6,735 | -28,754 | -23.4% | |
| From Investments | Rs m | 8,486 | -10 | -81,052.5% | |
| From Financial Activity | Rs m | -70,374 | 31,591 | -222.8% | |
| Net Cashflow | Rs m | -55,153 | 2,827 | -1,951.3% | |
Share Holding
| Indian Promoters | % | 66.3 | 74.1 | 89.5% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 19.1 | 0.1 | 19,060.0% | |
| FIIs | % | 6.7 | 0.1 | 6,730.0% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 33.7 | 25.9 | 130.0% | |
| Shareholders | 787,291 | 83,752 | 940.0% | ||
| 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 PNB GILTS
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 PNB GILTS Share Price Performance
| Period | L&T FINANCE | PNB GILTS |
|---|---|---|
| 1-Day | 0.87% | 1.48% |
| 1-Month | -11.52% | -3.90% |
| 1-Year | 0.25% | 14.81% |
| 3-Year CAGR | 20.97% | 20.55% |
| 5-Year CAGR | 8.51% | 31.62% |
* Compound Annual Growth Rate
Here are more details on the L&T FINANCE share price and the PNB GILTS share price.
Moving on to shareholding structures...
The promoters of L&T FINANCE hold a 66.3% stake in the company. In case of PNB GILTS the stake stands at 74.1%.
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 PNB GILTS.
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%.
PNB GILTS paid Rs 1.0, and its dividend payout ratio stood at 25.9%.
You may visit here to review the dividend history of L&T FINANCE, and the dividend history of PNB GILTS.
For a sector overview, read our finance sector report.
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