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- L&T FINANCE HOLDINGS - HERITAGE PAC
L&T FINANCE HOLDINGS vs HERITAGE PAC - Comparison Results
Current Valuations
| L&T FINANCE HOLDINGS | HERITAGE PAC | L&T FINANCE HOLDINGS/ HERITAGE PAC |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 18.7 | 10.4 | 179.9% | View Chart |
| P/BV | x | 1.9 | 1.1 | 175.7% | View Chart |
| Dividend Yield | % | 1.2 | 0.6 | 202.5% |
Financials
 L&T FINANCE HOLDINGS  HERITAGE PAC |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| L&T FINANCE HOLDINGS Mar-23 |
HERITAGE PAC Mar-23 |
L&T FINANCE HOLDINGS/ HERITAGE PAC |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 98 | 145 | 67.7% | |
| Low | Rs | 66 | 86 | 76.7% | |
| Income per share (Unadj.) | Rs | 51.5 | 57.2 | 90.1% | |
| Earnings per share (Unadj.) | Rs | -2.6 | 19.8 | -13.1% | |
| Cash flow per share (Unadj.) | Rs | 30.6 | 42.0 | 73.0% | |
| Dividends per share (Unadj.) | Rs | 2.00 | 1.20 | 166.7% | |
| Avg Dividend yield | % | 2.4 | 1.0 | 234.7% | |
| Book value per share (Unadj.) | Rs | 86.3 | 183.5 | 47.0% | |
| Shares outstanding (eoy) | m | 2,479.67 | 3.45 | 71,874.5% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.6 | 2.0 | 78.8% | |
| Avg P/E ratio | x | -31.7 | 5.8 | -544.2% | |
| Avg P/CF ratio | x | -32.8 | 4.0 | -824.2% | |
| Avg Price/Bookvalue ratio | x | 1.0 | 0.6 | 151.1% | |
| Dividend payout | % | -77.2 | 6.0 | -1,277.0% | |
| Avg Mkt Cap | Rs m | 203,643 | 399 | 51,050.2% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 14,059 | 29 | 49,227.2% | |
| 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 | 127,750 | 197 | 64,748.9% | |
| Other income | Rs m | 33,759 | 15 | 230,279.0% | |
| Interest expense | Rs m | 58,222 | 33 | 174,893.7% | |
| Net interest income | Rs m | 69,527 | 164 | 42,394.8% | |
| Operating expense | Rs m | 80,867 | 88 | 91,634.4% | |
| Gross profit | Rs m | -11,340 | 76 | -14,968.3% | |
| Gross profit margin | % | -8.9 | 38.4 | -23.1% | |
| Provisions/contingencies | Rs m | 209 | 32 | 655.9% | |
| Profit before tax | Rs m | -5,565 | 88 | -6,292.6% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 868 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 1,724 | 20 | 8,622.8% | |
| Profit after tax | Rs m | -6,421 | 68 | -9,380.9% | |
| Net profit margin | % | -5.0 | 34.7 | -14.5% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 751,546 | 885 | 84,928.1% | |
| Deposits | Rs m | 0 | 0 | - | |
| Credit/Deposit ratio | x | 0 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 0 | - | |
| Net Interest Margin | % | 7.7 | 18.4 | 41.7% | |
| Net fixed assets | Rs m | 2,410 | 14 | 17,278.1% | |
| Share capital | Rs m | 24,797 | 35 | 71,874.5% | |
| Free reserves | Rs m | 189,077 | 599 | 31,585.4% | |
| Net worth | Rs m | 213,873 | 633 | 33,780.9% | |
| Borrowings | Rs m | 252,490 | 284 | 88,986.4% | |
| Investments | Rs m | 152,282 | 5 | 2,962,680.9% | |
| Total assets | Rs m | 1,045,011 | 938 | 111,420.2% | |
| Debt/equity ratio | x | 1.2 | 0.4 | 263.4% | |
| Return on assets | % | -0.6 | 7.3 | -8.4% | |
| Return on equity | % | -3.0 | 10.8 | -27.8% | |
| Capital adequacy ratio | % | 24.5 | 67.8 | 36.2% | |
| Net NPAs | % | 0 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 74,905 | -41 | -180,972.9% | |
| From Investments | Rs m | -11,070 | -3 | 344,853.6% | |
| From Financial Activity | Rs m | -16,638 | 39 | -42,164.5% | |
| Net Cashflow | Rs m | 41,927 | -5 | -815,700.4% | |
Share Holding
| Indian Promoters | % | 65.9 | 59.0 | 111.6% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 19.7 | 0.0 | - | |
| FIIs | % | 11.0 | 0.0 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 34.1 | 41.0 | 83.3% | |
| Shareholders | 711,555 | 2,750 | 25,874.7% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare L&T FINANCE HOLDINGS With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS TATA INVESTMENT
More on L&T FINANCE vs HERITAGE PAC
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
L&T FINANCE vs HERITAGE PAC Share Price Performance
| Period | L&T FINANCE | HERITAGE PAC |
|---|---|---|
| 1-Day | -2.38% | 3.38% |
| 1-Month | 4.63% | 3.92% |
| 1-Year | 81.32% | 80.99% |
| 3-Year CAGR | 23.16% | 37.98% |
| 5-Year CAGR | 5.01% | 14.75% |
* Compound Annual Growth Rate
Here are more details on the L&T FINANCE share price and the HERITAGE PAC share price.
Moving on to shareholding structures...
The promoters of L&T FINANCE hold a 65.9% stake in the company. In case of HERITAGE PAC the stake stands at 59.0%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of L&T FINANCE and the shareholding pattern of HERITAGE PAC.
Finally, a word on dividends...
In the most recent financial year, L&T FINANCE paid a dividend of Rs 2.0 per share. This amounted to a Dividend Payout ratio of -77.2%.
HERITAGE PAC paid Rs 1.2, and its dividend payout ratio stood at 6.0%.
You may visit here to review the dividend history of L&T FINANCE, and the dividend history of HERITAGE PAC.
For a sector overview, read our finance sector report.
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