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- SBI CARDS - L&T FINANCE HOLDINGS
SBI CARDS vs L&T FINANCE HOLDINGS - Comparison Results
Current Valuations
| SBI CARDS | L&T FINANCE HOLDINGS | SBI CARDS/ L&T FINANCE HOLDINGS |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 28.8 | 17.9 | 160.5% | View Chart |
| P/BV | x | 7.1 | 1.9 | 364.4% | View Chart |
| Dividend Yield | % | 0.3 | 1.2 | 28.6% |
Financials
 SBI CARDS  L&T FINANCE HOLDINGS |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| SBI CARDS Mar-23 |
L&T FINANCE HOLDINGS Mar-23 |
SBI CARDS/ L&T FINANCE HOLDINGS |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 1,029 | 98 | 1,047.1% | |
| Low | Rs | 656 | 66 | 994.1% | |
| Income per share (Unadj.) | Rs | 144.5 | 51.5 | 280.4% | |
| Earnings per share (Unadj.) | Rs | 23.9 | -2.6 | -921.9% | |
| Cash flow per share (Unadj.) | Rs | 124.7 | 30.6 | 406.9% | |
| Dividends per share (Unadj.) | Rs | 2.50 | 2.00 | 125.0% | |
| Avg Dividend yield | % | 0.3 | 2.4 | 12.2% | |
| Book value per share (Unadj.) | Rs | 103.5 | 86.3 | 120.0% | |
| Shares outstanding (eoy) | m | 946.07 | 2,479.67 | 38.2% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 5.8 | 1.6 | 365.8% | |
| Avg P/E ratio | x | 35.3 | -31.7 | -111.3% | |
| Avg P/CF ratio | x | 34.6 | -32.8 | -105.6% | |
| Avg Price/Bookvalue ratio | x | 8.1 | 1.0 | 855.0% | |
| Dividend payout | % | 10.5 | -77.2 | -13.6% | |
| Avg Mkt Cap | Rs m | 796,997 | 203,643 | 391.4% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 5,619 | 14,059 | 40.0% | |
| 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 | 136,666 | 127,750 | 107.0% | |
| Other income | Rs m | 6,190 | 33,759 | 18.3% | |
| Interest expense | Rs m | 22,840 | 58,222 | 39.2% | |
| Net interest income | Rs m | 113,826 | 69,527 | 163.7% | |
| Operating expense | Rs m | 88,073 | 80,867 | 108.9% | |
| Gross profit | Rs m | 25,754 | -11,340 | -227.1% | |
| Gross profit margin | % | 18.8 | -8.9 | -212.3% | |
| Provisions/contingencies | Rs m | 449 | 209 | 214.9% | |
| Profit before tax | Rs m | 30,306 | -5,565 | -544.6% | |
| 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 | 7,721 | 1,724 | 447.9% | |
| Profit after tax | Rs m | 22,585 | -6,421 | -351.7% | |
| Net profit margin | % | 16.5 | -5.0 | -328.8% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 0 | 751,546 | 0.0% | |
| Deposits | Rs m | 0 | 0 | - | |
| Credit/Deposit ratio | x | 0 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 0 | - | |
| Net Interest Margin | % | 524.4 | 7.7 | 6,817.3% | |
| Net fixed assets | Rs m | 5,510 | 2,410 | 228.6% | |
| Share capital | Rs m | 9,461 | 24,797 | 38.2% | |
| Free reserves | Rs m | 88,439 | 189,077 | 46.8% | |
| Net worth | Rs m | 97,899 | 213,873 | 45.8% | |
| Borrowings | Rs m | 231,429 | 252,490 | 91.7% | |
| Investments | Rs m | 21,705 | 152,282 | 14.3% | |
| Total assets | Rs m | 452,989 | 1,045,011 | 43.3% | |
| Debt/equity ratio | x | 2.4 | 1.2 | 200.2% | |
| Return on assets | % | 5.0 | -0.6 | -811.4% | |
| Return on equity | % | 23.1 | -3.0 | -768.4% | |
| Capital adequacy ratio | % | 23.1 | 24.5 | 94.1% | |
| Net NPAs | % | 0.9 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -66,705 | 74,905 | -89.1% | |
| From Investments | Rs m | -9,214 | -11,070 | 83.2% | |
| From Financial Activity | Rs m | 78,236 | -16,638 | -470.2% | |
| Net Cashflow | Rs m | 2,316 | 41,927 | 5.5% | |
Share Holding
| Indian Promoters | % | 68.6 | 65.9 | 104.2% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 25.3 | 19.7 | 128.1% | |
| FIIs | % | 8.6 | 11.0 | 77.8% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 31.4 | 34.1 | 91.9% | |
| Shareholders | 1,036,632 | 711,555 | 145.7% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare SBI CARDS With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST AAVAS FINANCIERS INDIABULLS HOU. FIN.
More on SBI CARDS 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:
SBI CARDS vs L&T FINANCE Share Price Performance
| Period | SBI CARDS | L&T FINANCE |
|---|---|---|
| 1-Day | 0.56% | -1.30% |
| 1-Month | 5.73% | 2.52% |
| 1-Year | -6.84% | 80.33% |
| 3-Year CAGR | -9.53% | 24.18% |
| 5-Year CAGR | 1.28% | 6.45% |
* Compound Annual Growth Rate
Here are more details on the SBI CARDS share price and the L&T FINANCE share price.
Moving on to shareholding structures...
The promoters of SBI CARDS hold a 68.6% 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 SBI CARDS and the shareholding pattern of L&T FINANCE.
Finally, a word on dividends...
In the most recent financial year, SBI CARDS paid a dividend of Rs 2.5 per share. This amounted to a Dividend Payout ratio of 10.5%.
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 SBI CARDS, and the dividend history of L&T FINANCE.
For a sector overview, read our finance sector report.
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