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- L&T FINANCE - SHRIRAM CITY UNION
L&T FINANCE vs SHRIRAM CITY UNION - Comparison Results
Current Valuations
| L&T FINANCE | SHRIRAM CITY UNION | L&T FINANCE/ SHRIRAM CITY UNION |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 13.5 | 9.3 | 145.0% | View Chart |
| P/BV | x | 1.5 | 1.4 | 106.5% | View Chart |
| Dividend Yield | % | 1.8 | 1.9 | 93.0% |
Financials
 L&T FINANCE  SHRIRAM CITY UNION |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| L&T FINANCE Mar-24 |
SHRIRAM CITY UNION Mar-22 |
L&T FINANCE/ SHRIRAM CITY UNION |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 179 | 2,600 | 6.9% | |
| Low | Rs | 82 | 1,378 | 6.0% | |
| Income per share (Unadj.) | Rs | 54.6 | 1,061.5 | 5.1% | |
| Earnings per share (Unadj.) | Rs | 9.3 | 172.9 | 5.4% | |
| Cash flow per share (Unadj.) | Rs | 41.0 | -5,605.2 | -0.7% | |
| Dividends per share (Unadj.) | Rs | 2.50 | 37.00 | 6.8% | |
| Avg Dividend yield | % | 1.9 | 1.9 | 102.8% | |
| Book value per share (Unadj.) | Rs | 93.7 | 1,379.6 | 6.8% | |
| Shares outstanding (eoy) | m | 2,488.94 | 66.63 | 3,735.5% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 1.9 | 127.8% | |
| Avg P/E ratio | x | 14.0 | 11.5 | 121.8% | |
| Avg P/CF ratio | x | 13.9 | 0.3 | 4,470.7% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 1.4 | 96.7% | |
| Dividend payout | % | 26.8 | 21.4 | 125.3% | |
| Avg Mkt Cap | Rs m | 325,304 | 132,538 | 245.4% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 18,064 | 10,576 | 170.8% | |
| 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 | 70,730 | 192.0% | |
| Other income | Rs m | 21,574 | 70 | 30,952.7% | |
| Interest expense | Rs m | 54,001 | 28,301 | 190.8% | |
| Net interest income | Rs m | 81,805 | 42,428 | 192.8% | |
| Operating expense | Rs m | 71,941 | 25,950 | 277.2% | |
| Gross profit | Rs m | 9,864 | 16,479 | 59.9% | |
| Gross profit margin | % | 7.3 | 23.3 | 31.2% | |
| Provisions/contingencies | Rs m | 214 | 414,981 | 0.1% | |
| Profit before tax | Rs m | 30,290 | 15,686 | 193.1% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 30 | -130 | -22.9% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 7,119 | 4,039 | 176.3% | |
| Profit after tax | Rs m | 23,201 | 11,518 | 201.4% | |
| Net profit margin | % | 17.1 | 16.3 | 104.9% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 813,594 | 355,460 | 228.9% | |
| Deposits | Rs m | 0 | 68,245 | 0.0% | |
| Credit/Deposit ratio | x | 0 | 520.9 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 8.0 | - | |
| Net Interest Margin | % | 8.6 | 11.5 | 75.3% | |
| Net fixed assets | Rs m | 5,194 | 2,514 | 206.6% | |
| Share capital | Rs m | 24,889 | 666 | 3,735.6% | |
| Free reserves | Rs m | 208,398 | 91,253 | 228.4% | |
| Net worth | Rs m | 233,288 | 91,920 | 253.8% | |
| Borrowings | Rs m | 224,028 | 27,264 | 821.7% | |
| Investments | Rs m | 133,480 | 14,374 | 928.7% | |
| Total assets | Rs m | 1,008,606 | 485,553 | 207.7% | |
| Debt/equity ratio | x | 1.0 | 1.0 | 92.4% | |
| Return on assets | % | 2.3 | 2.4 | 97.0% | |
| Return on equity | % | 9.9 | 12.5 | 79.4% | |
| Capital adequacy ratio | % | 22.8 | 26.8 | 85.3% | |
| Net NPAs | % | 1.7 | 3.3 | 50.6% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 6,735 | -38,613 | -17.4% | |
| From Investments | Rs m | 8,486 | -1,338 | -634.4% | |
| From Financial Activity | Rs m | -70,374 | 53,477 | -131.6% | |
| Net Cashflow | Rs m | -55,153 | 13,527 | -407.7% | |
Share Holding
| Indian Promoters | % | 66.3 | 36.9 | 179.8% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 19.1 | 33.0 | 57.7% | |
| FIIs | % | 6.7 | 26.9 | 25.0% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 33.7 | 63.1 | 53.4% | |
| Shareholders | 787,291 | 22,900 | 3,438.0% | ||
| 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 SHRIRAM CITY UNION
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 SHRIRAM CITY UNION Share Price Performance
| Period | L&T FINANCE | SHRIRAM CITY UNION |
|---|---|---|
| 1-Day | 0.87% | 0.14% |
| 1-Month | -11.52% | 4.33% |
| 1-Year | 0.25% | -0.93% |
| 3-Year CAGR | 20.97% | 13.37% |
| 5-Year CAGR | 8.51% | -1.05% |
* Compound Annual Growth Rate
Here are more details on the L&T FINANCE share price and the SHRIRAM CITY UNION share price.
Moving on to shareholding structures...
The promoters of L&T FINANCE hold a 66.3% stake in the company. In case of SHRIRAM CITY UNION the stake stands at 36.9%.
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 SHRIRAM CITY UNION.
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%.
SHRIRAM CITY UNION paid Rs 37.0, and its dividend payout ratio stood at 21.4%.
You may visit here to review the dividend history of L&T FINANCE, and the dividend history of SHRIRAM CITY UNION.
For a sector overview, read our finance sector report.
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