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- BHARAT FINANCIAL INCLUSION - L&T FINANCE
BHARAT FINANCIAL INCLUSION vs L&T FINANCE - Comparison Results
Current Valuations
| BHARAT FINANCIAL INCLUSION | L&T FINANCE | BHARAT FINANCIAL INCLUSION/ L&T FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 12.8 | 13.8 | 92.5% | View Chart |
| P/BV | x | 4.3 | 1.5 | 282.5% | View Chart |
| Dividend Yield | % | 0.0 | 1.8 | - |
Financials
 BHARAT FINANCIAL INCLUSION  L&T FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BHARAT FINANCIAL INCLUSION Mar-18 |
L&T FINANCE Mar-24 |
BHARAT FINANCIAL INCLUSION/ L&T FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 1,107 | 179 | 618.4% | |
| Low | Rs | 651 | 82 | 789.6% | |
| Income per share (Unadj.) | Rs | 137.6 | 54.6 | 252.2% | |
| Earnings per share (Unadj.) | Rs | 32.7 | 9.3 | 350.7% | |
| Cash flow per share (Unadj.) | Rs | -7,323,114.8 | 41.0 | -17,861,119.1% | |
| Dividends per share (Unadj.) | Rs | 0 | 2.50 | 0.0% | |
| Avg Dividend yield | % | 0 | 1.9 | 0.0% | |
| Book value per share (Unadj.) | Rs | 209.6 | 93.7 | 223.6% | |
| Shares outstanding (eoy) | m | 139.32 | 2,488.94 | 5.6% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 6.4 | 2.4 | 266.6% | |
| Avg P/E ratio | x | 26.9 | 14.0 | 191.7% | |
| Avg P/CF ratio | x | 0 | 13.9 | 0.0% | |
| Avg Price/Bookvalue ratio | x | 4.2 | 1.4 | 300.7% | |
| Dividend payout | % | 0 | 26.8 | 0.0% | |
| Avg Mkt Cap | Rs m | 122,435 | 325,304 | 37.6% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 5,264 | 18,064 | 29.1% | |
| 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 | 19,172 | 135,806 | 14.1% | |
| Other income | Rs m | 2,244 | 21,574 | 10.4% | |
| Interest expense | Rs m | 7,104 | 54,001 | 13.2% | |
| Net interest income | Rs m | 12,068 | 81,805 | 14.8% | |
| Operating expense | Rs m | 9,632 | 71,941 | 13.4% | |
| Gross profit | Rs m | 2,436 | 9,864 | 24.7% | |
| Gross profit margin | % | 12.7 | 7.3 | 174.9% | |
| Provisions/contingencies | Rs m | 1,020,270,534 | 214 | 476,806,493.1% | |
| Profit before tax | Rs m | 4,548 | 30,290 | 15.0% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 30 | 0.0% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | -7 | 7,119 | -0.1% | |
| Profit after tax | Rs m | 4,555 | 23,201 | 19.6% | |
| Net profit margin | % | 23.8 | 17.1 | 139.1% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 0 | 813,594 | 0.0% | |
| Deposits | Rs m | 0 | 0 | - | |
| Credit/Deposit ratio | x | 0 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 0 | - | |
| Net Interest Margin | % | 75.6 | 8.6 | 875.4% | |
| Net fixed assets | Rs m | 217 | 5,194 | 4.2% | |
| Share capital | Rs m | 1,393 | 24,889 | 5.6% | |
| Free reserves | Rs m | 27,810 | 208,398 | 13.3% | |
| Net worth | Rs m | 29,203 | 233,288 | 12.5% | |
| Borrowings | Rs m | 6,064 | 224,028 | 2.7% | |
| Investments | Rs m | 15,960 | 133,480 | 12.0% | |
| Total assets | Rs m | 115,307 | 1,008,606 | 11.4% | |
| Debt/equity ratio | x | 0.2 | 1.0 | 21.6% | |
| Return on assets | % | 4.0 | 2.3 | 171.7% | |
| Return on equity | % | 15.6 | 9.9 | 156.8% | |
| Capital adequacy ratio | % | 33.2 | 22.8 | 145.2% | |
| Net NPAs | % | 0.1 | 1.7 | 5.4% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -11,618 | 6,735 | -172.5% | |
| From Investments | Rs m | -129 | 8,486 | -1.5% | |
| From Financial Activity | Rs m | 5,282 | -70,374 | -7.5% | |
| Net Cashflow | Rs m | -6,465 | -55,153 | 11.7% | |
Share Holding
| Indian Promoters | % | 0.0 | 66.3 | - | |
| Foreign collaborators | % | 1.6 | 0.0 | - | |
| Indian inst/Mut Fund | % | 85.0 | 19.1 | 446.0% | |
| FIIs | % | 60.3 | 6.7 | 895.5% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 98.4 | 33.7 | 292.0% | |
| Shareholders | 34,575 | 787,291 | 4.4% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare BHARAT FINANCIAL INCLUSION With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS AAVAS FINANCIERS
More on SKS MICROFINANCE vs L&T FINANCE
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
SKS MICROFINANCE vs L&T FINANCE Share Price Performance
| Period | SKS MICROFINANCE | L&T FINANCE |
|---|---|---|
| 1-Day | -0.81% | 2.37% |
| 1-Month | -13.85% | 1.71% |
| 1-Year | -23.28% | -1.31% |
| 3-Year CAGR | 5.58% | 21.81% |
| 5-Year CAGR | 26.25% | 8.07% |
* Compound Annual Growth Rate
Here are more details on the SKS MICROFINANCE share price and the L&T FINANCE share price.
Moving on to shareholding structures...
The promoters of SKS MICROFINANCE hold a 1.6% stake in the company. In case of L&T FINANCE the stake stands at 66.3%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of SKS MICROFINANCE and the shareholding pattern of L&T FINANCE.
Finally, a word on dividends...
In the most recent financial year, SKS MICROFINANCE paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.
L&T FINANCE paid Rs 2.5, and its dividend payout ratio stood at 26.8%.
You may visit here to review the dividend history of SKS MICROFINANCE, and the dividend history of L&T FINANCE.
For a sector overview, read our finance sector report.
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