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- BAJAJ FINANCE - L&T FINANCE HOLDINGS
BAJAJ FINANCE vs L&T FINANCE HOLDINGS - Comparison Results
Current Valuations
| BAJAJ FINANCE | L&T FINANCE HOLDINGS | BAJAJ FINANCE/ L&T FINANCE HOLDINGS |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 31.3 | 18.4 | 169.5% | View Chart |
| P/BV | x | 8.0 | 1.9 | 425.6% | View Chart |
| Dividend Yield | % | 0.4 | 1.2 | 34.9% |
Financials
 BAJAJ FINANCE  L&T FINANCE HOLDINGS |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BAJAJ FINANCE Mar-23 |
L&T FINANCE HOLDINGS Mar-23 |
BAJAJ FINANCE/ L&T FINANCE HOLDINGS |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 7,777 | 98 | 7,915.5% | |
| Low | Rs | 5,236 | 66 | 7,932.7% | |
| Income per share (Unadj.) | Rs | 684.9 | 51.5 | 1,329.4% | |
| Earnings per share (Unadj.) | Rs | 190.4 | -2.6 | -7,352.4% | |
| Cash flow per share (Unadj.) | Rs | 466.9 | 30.6 | 1,524.0% | |
| Dividends per share (Unadj.) | Rs | 30.00 | 2.00 | 1,500.0% | |
| Avg Dividend yield | % | 0.5 | 2.4 | 18.9% | |
| Book value per share (Unadj.) | Rs | 890.4 | 86.3 | 1,032.3% | |
| Shares outstanding (eoy) | m | 604.42 | 2,479.67 | 24.4% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 9.5 | 1.6 | 595.9% | |
| Avg P/E ratio | x | 34.2 | -31.7 | -107.8% | |
| Avg P/CF ratio | x | 34.2 | -32.8 | -104.2% | |
| Avg Price/Bookvalue ratio | x | 7.3 | 1.0 | 767.4% | |
| Dividend payout | % | 15.8 | -77.2 | -20.4% | |
| Avg Mkt Cap | Rs m | 3,932,543 | 203,643 | 1,931.1% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 50,591 | 14,059 | 359.8% | |
| 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 | 413,974 | 127,750 | 324.1% | |
| Other income | Rs m | 83 | 33,759 | 0.2% | |
| Interest expense | Rs m | 127,013 | 58,222 | 218.2% | |
| Net interest income | Rs m | 286,961 | 69,527 | 412.7% | |
| Operating expense | Rs m | 126,929 | 80,867 | 157.0% | |
| Gross profit | Rs m | 160,033 | -11,340 | -1,411.2% | |
| Gross profit margin | % | 38.7 | -8.9 | -435.5% | |
| Provisions/contingencies | Rs m | 29 | 209 | 13.7% | |
| Profit before tax | Rs m | 155,279 | -5,565 | -2,790.2% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 868 | 0.0% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 40,202 | 1,724 | 2,332.3% | |
| Profit after tax | Rs m | 115,077 | -6,421 | -1,792.1% | |
| Net profit margin | % | 27.8 | -5.0 | -553.0% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 2,422,689 | 751,546 | 322.4% | |
| Deposits | Rs m | 446,656 | 0 | - | |
| Credit/Deposit ratio | x | 542.4 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 5.9 | 0 | - | |
| Net Interest Margin | % | 10.8 | 7.7 | 140.6% | |
| Net fixed assets | Rs m | 23,076 | 2,410 | 957.4% | |
| Share capital | Rs m | 1,209 | 24,797 | 4.9% | |
| Free reserves | Rs m | 536,956 | 189,077 | 284.0% | |
| Net worth | Rs m | 538,165 | 213,873 | 251.6% | |
| Borrowings | Rs m | 222,689 | 252,490 | 88.2% | |
| Investments | Rs m | 230,624 | 152,282 | 151.4% | |
| Total assets | Rs m | 2,742,916 | 1,045,011 | 262.5% | |
| Debt/equity ratio | x | 1.2 | 1.2 | 105.4% | |
| Return on assets | % | 4.2 | -0.6 | -682.8% | |
| Return on equity | % | 21.4 | -3.0 | -712.2% | |
| Capital adequacy ratio | % | 25.0 | 24.5 | 101.8% | |
| Net NPAs | % | 0.4 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -421,404 | 74,905 | -562.6% | |
| From Investments | Rs m | -103,653 | -11,070 | 936.4% | |
| From Financial Activity | Rs m | 506,750 | -16,638 | -3,045.7% | |
| Net Cashflow | Rs m | -18,307 | 41,927 | -43.7% | |
Share Holding
| Indian Promoters | % | 54.8 | 65.9 | 83.1% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 35.0 | 19.7 | 177.3% | |
| FIIs | % | 20.9 | 11.0 | 189.5% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 45.2 | 34.1 | 132.5% | |
| Shareholders | 745,040 | 711,555 | 104.7% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare BAJAJ FINANCE With: BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS TATA INVESTMENT AAVAS FINANCIERS
More on Bajaj Finance 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:
Bajaj Finance vs L&T FINANCE Share Price Performance
| Period | Bajaj Finance | L&T FINANCE |
|---|---|---|
| 1-Day | -1.80% | -2.47% |
| 1-Month | 6.84% | 9.19% |
| 1-Year | 16.62% | 82.43% |
| 3-Year CAGR | 14.60% | 20.16% |
| 5-Year CAGR | 18.04% | 3.06% |
* Compound Annual Growth Rate
Here are more details on the Bajaj Finance share price and the L&T FINANCE share price.
Moving on to shareholding structures...
The promoters of Bajaj Finance hold a 54.8% stake in the company. In case of L&T FINANCE the stake stands at 65.9%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of Bajaj Finance and the shareholding pattern of L&T FINANCE.
Finally, a word on dividends...
In the most recent financial year, Bajaj Finance paid a dividend of Rs 30.0 per share. This amounted to a Dividend Payout ratio of 15.8%.
L&T FINANCE paid Rs 2.0, and its dividend payout ratio stood at -77.2%.
You may visit here to review the dividend history of Bajaj Finance, and the dividend history of L&T FINANCE.
For a sector overview, read our finance sector report.
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