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CSL FINANCE vs HDFC - Comparison Results

Rs 100 invested in...

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Current Valuations

    CSL FINANCE HDFC CSL FINANCE/
HDFC
 
P/E (TTM) x 17.9 30.6 58.6% View Chart
P/BV x 2.8 2.5 111.6% View Chart
Dividend Yield % 0.6 1.6 34.8%  

Financials

 CSL FINANCE   HDFC
EQUITY SHARE DATA
    CSL FINANCE
Mar-23
HDFC
Mar-23
CSL FINANCE/
HDFC
5-Yr Chart
Click to enlarge
High Rs3052,855 10.7%   
Low Rs1702,027 8.4%   
Income per share (Unadj.) Rs57.9833.7 6.9%  
Earnings per share (Unadj.) Rs22.5142.6 15.8%  
Cash flow per share (Unadj.) Rs33.0692.5 4.8%  
Dividends per share (Unadj.) Rs2.5044.00 5.7%  
Avg Dividend yield %1.11.8 58.4%  
Book value per share (Unadj.) Rs177.91,090.0 16.3%  
Shares outstanding (eoy) m20.241,834.56 1.1%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x4.12.9 140.0%   
Avg P/E ratio x10.517.1 61.5%  
Avg P/CF ratio x7.117.1 41.3%  
Avg Price/Bookvalue ratio x1.32.2 59.6%  
Dividend payout %11.130.9 35.9%   
Avg Mkt Cap Rs m4,8044,478,060 0.1%   
No. of employees `000NANA-   
Total wages & salary Rs m15821,600 0.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m1,1721,529,403 0.1%  
Other income Rs m321,598 0.0%   
Interest expense Rs m272370,286 0.1%   
Net interest income Rs m9011,159,117 0.1%  
Operating expense Rs m278965,098 0.0%   
Gross profit Rs m623194,018 0.3%  
Gross profit margin %53.112.7 418.7%  
Provisions/contingencies Rs m225607 37.0%   
Profit before tax Rs m615321,306 0.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-15,389 -0.0%   
Prior Period Items Rs m00-   
Tax Rs m15944,308 0.4%   
Profit after tax Rs m456261,609 0.2%  
Net profit margin %38.917.1 227.5%  
BALANCE SHEET DATA
Advances Rs m06,245,515 0.0%   
Deposits Rs m01,109,979 0.0%  
Credit/Deposit ratio x0562.7- 
Yield on advances %00-  
Cost of deposits %09.4-  
Net Interest Margin %93,815.011.1 843,286.7%  
Net fixed assets Rs m7498,012 0.1%   
Share capital Rs m2023,669 5.5%   
Free reserves Rs m3,3971,996,058 0.2%   
Net worth Rs m3,6001,999,727 0.2%   
Borrowings Rs m315876,846 0.0%   
Investments Rs m14,173,582 0.0%   
Total assets Rs m7,77610,897,807 0.1%  
Debt/equity ratio x0.11.0 8.8%   
Return on assets %5.92.4 244.4%  
Return on equity %12.713.1 96.9%  
Capital adequacy ratio %49.90-  
Net NPAs %0.40-  
CASH FLOW
From Operations Rs m-1,665-473,285 0.4%  
From Investments Rs m-21-215,235 0.0%  
From Financial Activity Rs m1,960693,206 0.3%  
Net Cashflow Rs m2734,687 5.8%  

Share Holding

Indian Promoters % 47.7 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 3.5 87.9 3.9%  
FIIs % 2.2 63.6 3.5%  
ADR/GDR % 0.0 0.0 -  
Free float % 52.3 100.0 52.3%  
Shareholders   7,057 720,777 1.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

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


More on CONSOLIDATED SEC. vs HDFC

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 HDFC Share Price Performance

Period CONSOLIDATED SEC. HDFC
1-Day -1.45% -0.62%
1-Month 11.83% 3.39%
1-Year 110.36% 22.62%
3-Year CAGR 81.65% 13.92%
5-Year CAGR 35.34% 6.83%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of CONSOLIDATED SEC. hold a 47.7% 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 CONSOLIDATED SEC. and the shareholding pattern of HDFC.

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%.

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

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

For a sector overview, read our finance sector report.



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