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CSL FINANCE vs PNB GILTS - Comparison Results

Rs 100 invested in...

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Current Valuations

    CSL FINANCE PNB GILTS CSL FINANCE/
PNB GILTS
 
P/E (TTM) x 18.5 133.0 13.9% View Chart
P/BV x 2.9 1.6 186.5% View Chart
Dividend Yield % 0.5 0.0 -  

Financials

 CSL FINANCE   PNB GILTS
EQUITY SHARE DATA
    CSL FINANCE
Mar-23
PNB GILTS
Mar-23
CSL FINANCE/
PNB GILTS
5-Yr Chart
Click to enlarge
High Rs30579 386.1%   
Low Rs17055 307.6%   
Income per share (Unadj.) Rs57.968.3 84.8%  
Earnings per share (Unadj.) Rs22.5-4.3 -525.5%  
Cash flow per share (Unadj.) Rs33.012.0 274.7%  
Dividends per share (Unadj.) Rs2.500-  
Avg Dividend yield %1.10-  
Book value per share (Unadj.) Rs177.970.0 254.1%  
Shares outstanding (eoy) m20.24180.01 11.2%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x4.11.0 417.2%   
Avg P/E ratio x10.5-15.6 -67.3%  
Avg P/CF ratio x7.1-37.3 -18.9%  
Avg Price/Bookvalue ratio x1.31.0 139.2%  
Dividend payout %11.10-   
Avg Mkt Cap Rs m4,80412,079 39.8%   
No. of employees `000NANA-   
Total wages & salary Rs m158116 136.3%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m1,17212,298 9.5%  
Other income Rs m36 47.9%   
Interest expense Rs m2729,756 2.8%   
Net interest income Rs m9012,542 35.4%  
Operating expense Rs m2783,464 8.0%   
Gross profit Rs m623-922 -67.6%  
Gross profit margin %53.1-7.5 -708.7%  
Provisions/contingencies Rs m225448 50.1%   
Profit before tax Rs m615-851 -72.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m159-78 -202.7%   
Profit after tax Rs m456-772 -59.1%  
Net profit margin %38.9-6.3 -619.8%  
BALANCE SHEET DATA
Advances Rs m00-   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-  
Cost of deposits %00-  
Net Interest Margin %93,815.01.4 6,900,326.5%  
Net fixed assets Rs m7470 105.3%   
Share capital Rs m2021,800 11.2%   
Free reserves Rs m3,39710,800 31.5%   
Net worth Rs m3,60012,600 28.6%   
Borrowings Rs m315192,384 0.2%   
Investments Rs m1186,979 0.0%   
Total assets Rs m7,776214,872 3.6%  
Debt/equity ratio x0.115.3 0.6%   
Return on assets %5.9-0.4 -1,632.8%  
Return on equity %12.7-6.1 -206.8%  
Capital adequacy ratio %49.931.8 156.7%  
Net NPAs %0.40-  
CASH FLOW
From Operations Rs m-1,665-46,383 3.6%  
From Investments Rs m-21-144 14.8%  
From Financial Activity Rs m1,96046,180 4.2%  
Net Cashflow Rs m273-347 -78.7%  

Share Holding

Indian Promoters % 47.7 74.1 64.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 3.5 0.0 17,250.0%  
FIIs % 2.2 0.0 11,100.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 52.3 25.9 201.7%  
Shareholders   7,057 82,765 8.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CSL FINANCE With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    TATA INVESTMENT    


More on CONSOLIDATED SEC. vs PNB GILTS

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

CONSOLIDATED SEC. vs PNB GILTS Share Price Performance

Period CONSOLIDATED SEC. PNB GILTS
1-Day 0.19% -1.13%
1-Month 1.28% 2.39%
1-Year 119.62% 84.62%
3-Year CAGR 79.48% 29.55%
5-Year CAGR 36.94% 28.88%

* Compound Annual Growth Rate

Here are more details on the CONSOLIDATED SEC. share price and the PNB GILTS share price.

Moving on to shareholding structures...

The promoters of CONSOLIDATED SEC. hold a 47.7% stake in the company. In case of PNB GILTS the stake stands at 74.1%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of CONSOLIDATED SEC. and the shareholding pattern of PNB GILTS.

Finally, a word on dividends...

In the most recent financial year, CONSOLIDATED SEC. paid a dividend of Rs 2.5 per share. This amounted to a Dividend Payout ratio of 11.1%.

PNB GILTS paid Rs 0.0, and its dividend payout ratio stood at -0.0%.

You may visit here to review the dividend history of CONSOLIDATED SEC., and the dividend history of PNB GILTS.

For a sector overview, read our finance sector report.



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