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- L&T FINANCE - UJJIVAN FINANCIAL SERVICES
L&T FINANCE vs UJJIVAN FINANCIAL SERVICES - Comparison Results
Current Valuations
| L&T FINANCE | UJJIVAN FINANCIAL SERVICES | L&T FINANCE/ UJJIVAN FINANCIAL SERVICES |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 13.5 | 6.4 | 211.0% | View Chart |
| P/BV | x | 1.5 | 2.3 | 65.7% | View Chart |
| Dividend Yield | % | 1.8 | 0.8 | 211.2% |
Financials
 L&T FINANCE  UJJIVAN FINANCIAL SERVICES |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| L&T FINANCE Mar-24 |
UJJIVAN FINANCIAL SERVICES Mar-23 |
L&T FINANCE/ UJJIVAN FINANCIAL SERVICES |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 179 | 313 | 57.1% | |
| Low | Rs | 82 | 103 | 80.1% | |
| Income per share (Unadj.) | Rs | 54.6 | 363.4 | 15.0% | |
| Earnings per share (Unadj.) | Rs | 9.3 | 73.2 | 12.7% | |
| Cash flow per share (Unadj.) | Rs | 41.0 | 226.8 | 18.1% | |
| Dividends per share (Unadj.) | Rs | 2.50 | 5.00 | 50.0% | |
| Avg Dividend yield | % | 1.9 | 2.4 | 79.6% | |
| Book value per share (Unadj.) | Rs | 93.7 | 259.9 | 36.1% | |
| Shares outstanding (eoy) | m | 2,488.94 | 121.68 | 2,045.5% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 0.6 | 418.3% | |
| Avg P/E ratio | x | 14.0 | 2.8 | 493.2% | |
| Avg P/CF ratio | x | 13.9 | 2.5 | 551.2% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 0.8 | 174.1% | |
| Dividend payout | % | 26.8 | 6.8 | 392.7% | |
| Avg Mkt Cap | Rs m | 325,304 | 25,321 | 1,284.7% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 18,064 | 9,298 | 194.3% | |
| 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 | 44,213 | 307.2% | |
| Other income | Rs m | 21,574 | 3,582 | 602.3% | |
| Interest expense | Rs m | 54,001 | 14,931 | 361.7% | |
| Net interest income | Rs m | 81,805 | 29,282 | 279.4% | |
| Operating expense | Rs m | 71,941 | 15,928 | 451.7% | |
| Gross profit | Rs m | 9,864 | 13,354 | 73.9% | |
| Gross profit margin | % | 7.3 | 30.2 | 24.0% | |
| Provisions/contingencies | Rs m | 214 | 1,138 | 18.8% | |
| Profit before tax | Rs m | 30,290 | 15,308 | 197.9% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 30 | -2,496 | -1.2% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 7,119 | 3,905 | 182.3% | |
| Profit after tax | Rs m | 23,201 | 8,907 | 260.5% | |
| Net profit margin | % | 17.1 | 20.1 | 84.8% | |
| 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 | 33.9 | 25.5% | |
| Net fixed assets | Rs m | 5,194 | 6,836 | 76.0% | |
| Share capital | Rs m | 24,889 | 1,217 | 2,045.5% | |
| Free reserves | Rs m | 208,398 | 30,405 | 685.4% | |
| Net worth | Rs m | 233,288 | 31,622 | 737.7% | |
| Borrowings | Rs m | 224,028 | 0 | - | |
| Investments | Rs m | 133,480 | 86,441 | 154.4% | |
| Total assets | Rs m | 1,008,606 | 351,533 | 286.9% | |
| Debt/equity ratio | x | 1.0 | 0 | - | |
| Return on assets | % | 2.3 | 2.5 | 90.8% | |
| Return on equity | % | 9.9 | 28.2 | 35.3% | |
| Capital adequacy ratio | % | 22.8 | 25.8 | 88.5% | |
| Net NPAs | % | 1.7 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 6,735 | 20,727 | 32.5% | |
| From Investments | Rs m | 8,486 | -45,541 | -18.6% | |
| From Financial Activity | Rs m | -70,374 | 26,402 | -266.6% | |
| Net Cashflow | Rs m | -55,153 | 1,587 | -3,475.3% | |
Share Holding
| Indian Promoters | % | 66.3 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 19.1 | 42.7 | 44.6% | |
| FIIs | % | 6.7 | 35.3 | 19.0% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 33.7 | 100.0 | 33.7% | |
| Shareholders | 787,291 | 96,524 | 815.6% | ||
| 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 UJJIVAN 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 UJJIVAN FINANCIAL SERVICES Share Price Performance
| Period | L&T FINANCE | UJJIVAN FINANCIAL SERVICES |
|---|---|---|
| 1-Day | 0.87% | 2.74% |
| 1-Month | -11.52% | 9.85% |
| 1-Year | 0.25% | 109.49% |
| 3-Year CAGR | 20.97% | 43.13% |
| 5-Year CAGR | 8.51% | 12.86% |
* Compound Annual Growth Rate
Here are more details on the L&T FINANCE share price and the UJJIVAN 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 UJJIVAN FINANCIAL SERVICES the stake stands at 0.0%.
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 UJJIVAN 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%.
UJJIVAN FINANCIAL SERVICES paid Rs 5.0, and its dividend payout ratio stood at 6.8%.
You may visit here to review the dividend history of L&T FINANCE, and the dividend history of UJJIVAN FINANCIAL SERVICES.
For a sector overview, read our finance sector report.
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