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- CREDITACCESS GRAMEEN - L&T FINANCE HOLDINGS
CREDITACCESS GRAMEEN vs L&T FINANCE HOLDINGS - Comparison Results
Current Valuations
| CREDITACCESS GRAMEEN | L&T FINANCE HOLDINGS | CREDITACCESS GRAMEEN/ L&T FINANCE HOLDINGS |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 17.0 | 18.4 | 92.7% | View Chart |
| P/BV | x | 4.5 | 1.9 | 240.4% | View Chart |
| Dividend Yield | % | 0.0 | 1.2 | - |
Financials
 CREDITACCESS GRAMEEN  L&T FINANCE HOLDINGS |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| CREDITACCESS GRAMEEN Mar-23 |
L&T FINANCE HOLDINGS Mar-23 |
CREDITACCESS GRAMEEN/ L&T FINANCE HOLDINGS |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 1,154 | 98 | 1,174.9% | |
| Low | Rs | 834 | 66 | 1,263.8% | |
| Income per share (Unadj.) | Rs | 223.1 | 51.5 | 433.0% | |
| Earnings per share (Unadj.) | Rs | 52.0 | -2.6 | -2,007.4% | |
| Cash flow per share (Unadj.) | Rs | 142.1 | 30.6 | 463.9% | |
| Dividends per share (Unadj.) | Rs | 0 | 2.00 | 0.0% | |
| Avg Dividend yield | % | 0 | 2.4 | 0.0% | |
| Book value per share (Unadj.) | Rs | 320.2 | 86.3 | 371.2% | |
| Shares outstanding (eoy) | m | 158.91 | 2,479.67 | 6.4% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 4.5 | 1.6 | 279.6% | |
| Avg P/E ratio | x | 19.1 | -31.7 | -60.3% | |
| Avg P/CF ratio | x | 18.5 | -32.8 | -56.5% | |
| Avg Price/Bookvalue ratio | x | 3.1 | 1.0 | 326.1% | |
| Dividend payout | % | 0 | -77.2 | -0.0% | |
| Avg Mkt Cap | Rs m | 157,989 | 203,643 | 77.6% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 5,152 | 14,059 | 36.6% | |
| 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 | 35,451 | 127,750 | 27.8% | |
| Other income | Rs m | 57 | 33,759 | 0.2% | |
| Interest expense | Rs m | 12,161 | 58,222 | 20.9% | |
| Net interest income | Rs m | 23,290 | 69,527 | 33.5% | |
| Operating expense | Rs m | 11,794 | 80,867 | 14.6% | |
| Gross profit | Rs m | 11,496 | -11,340 | -101.4% | |
| Gross profit margin | % | 32.4 | -8.9 | -365.3% | |
| Provisions/contingencies | Rs m | 265 | 209 | 126.6% | |
| Profit before tax | Rs m | 11,054 | -5,565 | -198.6% | |
| 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 | 2,794 | 1,724 | 162.1% | |
| Profit after tax | Rs m | 8,261 | -6,421 | -128.6% | |
| Net profit margin | % | 23.3 | -5.0 | -463.6% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 190,433 | 751,546 | 25.3% | |
| Deposits | Rs m | 0 | 0 | - | |
| Credit/Deposit ratio | x | 0 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 0 | - | |
| Net Interest Margin | % | 11.6 | 7.7 | 150.9% | |
| Net fixed assets | Rs m | 5,990 | 2,410 | 248.5% | |
| Share capital | Rs m | 1,589 | 24,797 | 6.4% | |
| Free reserves | Rs m | 49,287 | 189,077 | 26.1% | |
| Net worth | Rs m | 50,876 | 213,873 | 23.8% | |
| Borrowings | Rs m | 253 | 252,490 | 0.1% | |
| Investments | Rs m | 10,265 | 152,282 | 6.7% | |
| Total assets | Rs m | 225,334 | 1,045,011 | 21.6% | |
| Debt/equity ratio | x | 0 | 1.2 | 0.4% | |
| Return on assets | % | 3.7 | -0.6 | -596.6% | |
| Return on equity | % | 16.2 | -3.0 | -540.8% | |
| Capital adequacy ratio | % | 23.6 | 24.5 | 96.2% | |
| Net NPAs | % | 0.4 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -32,898 | 74,905 | -43.9% | |
| From Investments | Rs m | -3,144 | -11,070 | 28.4% | |
| From Financial Activity | Rs m | 33,651 | -16,638 | -202.3% | |
| Net Cashflow | Rs m | -2,391 | 41,927 | -5.7% | |
Share Holding
| Indian Promoters | % | 0.0 | 65.9 | - | |
| Foreign collaborators | % | 66.6 | 0.0 | - | |
| Indian inst/Mut Fund | % | 27.4 | 19.7 | 138.9% | |
| FIIs | % | 11.7 | 11.0 | 105.5% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 33.4 | 34.1 | 97.9% | |
| Shareholders | 69,824 | 711,555 | 9.8% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare CREDITACCESS GRAMEEN With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS TATA INVESTMENT
More on CREDITACCESS GRAMEEN 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:
CREDITACCESS GRAMEEN vs L&T FINANCE Share Price Performance
| Period | CREDITACCESS GRAMEEN | L&T FINANCE |
|---|---|---|
| 1-Day | 0.84% | -0.12% |
| 1-Month | 1.87% | 9.48% |
| 1-Year | 46.13% | 83.45% |
| 3-Year CAGR | 36.35% | 22.06% |
| 5-Year CAGR | 23.94% | 4.25% |
* Compound Annual Growth Rate
Here are more details on the CREDITACCESS GRAMEEN share price and the L&T FINANCE share price.
Moving on to shareholding structures...
The promoters of CREDITACCESS GRAMEEN hold a 66.6% 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 CREDITACCESS GRAMEEN and the shareholding pattern of L&T FINANCE.
Finally, a word on dividends...
In the most recent financial year, CREDITACCESS GRAMEEN paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.
L&T FINANCE paid Rs 2.0, and its dividend payout ratio stood at -77.2%.
You may visit here to review the dividend history of CREDITACCESS GRAMEEN, and the dividend history of L&T FINANCE.
For a sector overview, read our finance sector report.
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