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BAJAJ FINANCE vs HDFC - Comparison Results

Rs 100 invested in...

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Current Valuations

    BAJAJ FINANCE HDFC BAJAJ FINANCE/
HDFC
 
P/E (TTM) x 32.6 30.6 106.6% View Chart
P/BV x 8.3 2.5 330.0% View Chart
Dividend Yield % 0.4 1.6 25.7%  

Financials

 BAJAJ FINANCE   HDFC
EQUITY SHARE DATA
    BAJAJ FINANCE
Mar-23
HDFC
Mar-23
BAJAJ FINANCE/
HDFC
5-Yr Chart
Click to enlarge
High Rs7,7772,855 272.4%   
Low Rs5,2362,027 258.4%   
Income per share (Unadj.) Rs684.9833.7 82.2%  
Earnings per share (Unadj.) Rs190.4142.6 133.5%  
Cash flow per share (Unadj.) Rs466.9692.5 67.4%  
Dividends per share (Unadj.) Rs30.0044.00 68.2%  
Avg Dividend yield %0.51.8 25.6%  
Book value per share (Unadj.) Rs890.41,090.0 81.7%  
Shares outstanding (eoy) m604.421,834.56 32.9%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x9.52.9 324.4%   
Avg P/E ratio x34.217.1 199.6%  
Avg P/CF ratio x34.217.1 200.1%  
Avg Price/Bookvalue ratio x7.32.2 326.3%  
Dividend payout %15.830.9 51.1%   
Avg Mkt Cap Rs m3,932,5434,478,060 87.8%   
No. of employees `000NANA-   
Total wages & salary Rs m50,59121,600 234.2%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m413,9741,529,403 27.1%  
Other income Rs m8321,598 0.4%   
Interest expense Rs m127,013370,286 34.3%   
Net interest income Rs m286,9611,159,117 24.8%  
Operating expense Rs m126,929965,098 13.2%   
Gross profit Rs m160,033194,018 82.5%  
Gross profit margin %38.712.7 304.7%  
Provisions/contingencies Rs m29607 4.7%   
Profit before tax Rs m155,279321,306 48.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-15,389 -0.0%   
Prior Period Items Rs m00-   
Tax Rs m40,20244,308 90.7%   
Profit after tax Rs m115,077261,609 44.0%  
Net profit margin %27.817.1 162.5%  
BALANCE SHEET DATA
Advances Rs m2,422,6896,245,515 38.8%   
Deposits Rs m446,6561,109,979 40.2%  
Credit/Deposit ratio x542.4562.7 96.4%  
Yield on advances %00-   
Cost of deposits %5.99.4 63.4%   
Net Interest Margin %10.811.1 97.2%  
Net fixed assets Rs m23,07698,012 23.5%   
Share capital Rs m1,2093,669 32.9%   
Free reserves Rs m536,9561,996,058 26.9%   
Net worth Rs m538,1651,999,727 26.9%   
Borrowings Rs m222,689876,846 25.4%   
Investments Rs m230,6244,173,582 5.5%   
Total assets Rs m2,742,91610,897,807 25.2%  
Debt/equity ratio x1.21.0 125.2%   
Return on assets %4.22.4 174.8%  
Return on equity %21.413.1 163.5%  
Capital adequacy ratio %25.00-  
Net NPAs %0.40-  
CASH FLOW
From Operations Rs m-421,404-473,285 89.0%  
From Investments Rs m-103,653-215,235 48.2%  
From Financial Activity Rs m506,750693,206 73.1%  
Net Cashflow Rs m-18,3074,687 -390.6%  

Share Holding

Indian Promoters % 54.8 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 35.0 87.9 39.8%  
FIIs % 20.9 63.6 32.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 45.2 100.0 45.2%  
Shareholders   745,040 720,777 103.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

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


More on Bajaj Finance vs HDFC

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

Here's a brief comparison:

Bajaj Finance vs HDFC Share Price Performance

Period Bajaj Finance HDFC
1-Day 3.09% -0.62%
1-Month 11.39% 3.39%
1-Year 30.82% 22.62%
3-Year CAGR 11.72% 13.92%
5-Year CAGR 19.35% 6.83%

* Compound Annual Growth Rate

Here are more details on the Bajaj Finance share price and the HDFC share price.

Moving on to shareholding structures...

The promoters of Bajaj Finance hold a 54.8% stake in the company. In case of HDFC the stake stands at 0.0%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of Bajaj Finance and the shareholding pattern of HDFC.

Finally, a word on dividends...

In the most recent financial year, Bajaj Finance paid a dividend of Rs 30.0 per share. This amounted to a Dividend Payout ratio of 15.8%.

HDFC paid Rs 44.0, and its dividend payout ratio stood at 30.9%.

You may visit here to review the dividend history of Bajaj Finance, and the dividend history of HDFC.

For a sector overview, read our finance sector report.



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