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- LIC HOUSING - L&T FINANCE HOLDINGS
LIC HOUSING vs L&T FINANCE HOLDINGS - Comparison Results
Current Valuations
| LIC HOUSING | L&T FINANCE HOLDINGS | LIC HOUSING/ L&T FINANCE HOLDINGS |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 7.3 | 18.3 | 39.8% | View Chart |
| P/BV | x | 1.3 | 1.9 | 69.9% | View Chart |
| Dividend Yield | % | 1.3 | 1.2 | 105.6% |
Financials
 LIC HOUSING  L&T FINANCE HOLDINGS |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| LIC HOUSING Mar-23 |
L&T FINANCE HOLDINGS Mar-23 |
LIC HOUSING/ L&T FINANCE HOLDINGS |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 444 | 98 | 451.4% | |
| Low | Rs | 292 | 66 | 442.0% | |
| Income per share (Unadj.) | Rs | 412.9 | 51.5 | 801.5% | |
| Earnings per share (Unadj.) | Rs | 52.6 | -2.6 | -2,029.6% | |
| Cash flow per share (Unadj.) | Rs | 118.6 | 30.6 | 387.2% | |
| Dividends per share (Unadj.) | Rs | 8.50 | 2.00 | 425.0% | |
| Avg Dividend yield | % | 2.3 | 2.4 | 94.9% | |
| Book value per share (Unadj.) | Rs | 494.2 | 86.3 | 573.0% | |
| Shares outstanding (eoy) | m | 550.06 | 2,479.67 | 22.2% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.9 | 1.6 | 55.8% | |
| Avg P/E ratio | x | 7.0 | -31.7 | -22.1% | |
| Avg P/CF ratio | x | 7.0 | -32.8 | -21.3% | |
| Avg Price/Bookvalue ratio | x | 0.7 | 1.0 | 78.1% | |
| Dividend payout | % | 16.2 | -77.2 | -20.9% | |
| Avg Mkt Cap | Rs m | 202,217 | 203,643 | 99.3% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 5,164 | 14,059 | 36.7% | |
| 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 | 227,139 | 127,750 | 177.8% | |
| Other income | Rs m | 143 | 33,759 | 0.4% | |
| Interest expense | Rs m | 161,348 | 58,222 | 277.1% | |
| Net interest income | Rs m | 65,791 | 69,527 | 94.6% | |
| Operating expense | Rs m | 29,637 | 80,867 | 36.6% | |
| Gross profit | Rs m | 36,155 | -11,340 | -318.8% | |
| Gross profit margin | % | 15.9 | -8.9 | -179.3% | |
| Provisions/contingencies | Rs m | 4 | 209 | 1.9% | |
| Profit before tax | Rs m | 35,608 | -5,565 | -639.8% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -4 | 868 | -0.5% | |
| Prior Period Items | Rs m | 2 | 0 | - | |
| Tax | Rs m | 6,696 | 1,724 | 388.5% | |
| Profit after tax | Rs m | 28,910 | -6,421 | -450.2% | |
| Net profit margin | % | 12.7 | -5.0 | -253.2% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 2,677,612 | 751,546 | 356.3% | |
| Deposits | Rs m | 35,054 | 0 | - | |
| Credit/Deposit ratio | x | 7,638.5 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 27.4 | 0 | - | |
| Net Interest Margin | % | 2.4 | 7.7 | 31.1% | |
| Net fixed assets | Rs m | 3,885 | 2,410 | 161.2% | |
| Share capital | Rs m | 1,101 | 24,797 | 4.4% | |
| Free reserves | Rs m | 270,746 | 189,077 | 143.2% | |
| Net worth | Rs m | 271,847 | 213,873 | 127.1% | |
| Borrowings | Rs m | 344,696 | 252,490 | 136.5% | |
| Investments | Rs m | 74,289 | 152,282 | 48.8% | |
| Total assets | Rs m | 2,766,631 | 1,045,011 | 264.7% | |
| Debt/equity ratio | x | 1.4 | 1.2 | 118.3% | |
| Return on assets | % | 1.0 | -0.6 | -170.1% | |
| Return on equity | % | 10.6 | -3.0 | -354.2% | |
| Capital adequacy ratio | % | 18.2 | 24.5 | 74.3% | |
| Net NPAs | % | 2.5 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -196,324 | 74,905 | -262.1% | |
| From Investments | Rs m | -7,992 | -11,070 | 72.2% | |
| From Financial Activity | Rs m | 202,487 | -16,638 | -1,217.0% | |
| Net Cashflow | Rs m | -1,830 | 41,927 | -4.4% | |
Share Holding
| Indian Promoters | % | 45.2 | 65.9 | 68.7% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 44.6 | 19.7 | 225.8% | |
| FIIs | % | 22.3 | 11.0 | 202.1% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 54.8 | 34.1 | 160.4% | |
| Shareholders | 297,899 | 711,555 | 41.9% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare LIC HOUSING With: BAJAJ FINANCE CHOLAMANDALAM INVEST BAJAJ HOLDINGS & INVESTMENT SBI CARDS TATA INVESTMENT
More on LIC Housing 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:
LIC Housing vs L&T FINANCE Share Price Performance
| Period | LIC Housing | L&T FINANCE |
|---|---|---|
| 1-Day | 0.65% | -0.43% |
| 1-Month | 13.29% | 9.14% |
| 1-Year | 95.18% | 82.88% |
| 3-Year CAGR | 19.42% | 21.94% |
| 5-Year CAGR | 5.04% | 4.19% |
* Compound Annual Growth Rate
Here are more details on the LIC Housing share price and the L&T FINANCE share price.
Moving on to shareholding structures...
The promoters of LIC Housing hold a 45.2% 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 LIC Housing and the shareholding pattern of L&T FINANCE.
Finally, a word on dividends...
In the most recent financial year, LIC Housing paid a dividend of Rs 8.5 per share. This amounted to a Dividend Payout ratio of 16.2%.
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 LIC Housing, and the dividend history of L&T FINANCE.
For a sector overview, read our finance sector report.
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