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- GIC HOUSING - L&T FINANCE HOLDINGS
GIC HOUSING vs L&T FINANCE HOLDINGS - Comparison Results
Current Valuations
| GIC HOUSING | L&T FINANCE HOLDINGS | GIC HOUSING/ L&T FINANCE HOLDINGS |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 7.6 | 18.4 | 41.4% | View Chart |
| P/BV | x | 0.7 | 1.9 | 35.8% | View Chart |
| Dividend Yield | % | 2.1 | 1.2 | 171.1% |
Financials
 GIC HOUSING  L&T FINANCE HOLDINGS |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| GIC HOUSING Mar-23 |
L&T FINANCE HOLDINGS Mar-23 |
GIC HOUSING/ L&T FINANCE HOLDINGS |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 248 | 98 | 252.1% | |
| Low | Rs | 110 | 66 | 166.6% | |
| Income per share (Unadj.) | Rs | 207.0 | 51.5 | 401.9% | |
| Earnings per share (Unadj.) | Rs | 39.6 | -2.6 | -1,529.3% | |
| Cash flow per share (Unadj.) | Rs | 104.2 | 30.6 | 340.0% | |
| Dividends per share (Unadj.) | Rs | 4.50 | 2.00 | 225.0% | |
| Avg Dividend yield | % | 2.5 | 2.4 | 103.3% | |
| Book value per share (Unadj.) | Rs | 315.6 | 86.3 | 365.9% | |
| Shares outstanding (eoy) | m | 53.85 | 2,479.67 | 2.2% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.9 | 1.6 | 54.2% | |
| Avg P/E ratio | x | 4.5 | -31.7 | -14.2% | |
| Avg P/CF ratio | x | 4.5 | -32.8 | -13.8% | |
| Avg Price/Bookvalue ratio | x | 0.6 | 1.0 | 59.5% | |
| Dividend payout | % | 11.4 | -77.2 | -14.7% | |
| Avg Mkt Cap | Rs m | 9,630 | 203,643 | 4.7% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 599 | 14,059 | 4.3% | |
| 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 | 11,149 | 127,750 | 8.7% | |
| Other income | Rs m | 1,589 | 33,759 | 4.7% | |
| Interest expense | Rs m | 7,029 | 58,222 | 12.1% | |
| Net interest income | Rs m | 4,120 | 69,527 | 5.9% | |
| Operating expense | Rs m | 2,710 | 80,867 | 3.4% | |
| Gross profit | Rs m | 1,409 | -11,340 | -12.4% | |
| Gross profit margin | % | 12.6 | -8.9 | -142.4% | |
| Provisions/contingencies | Rs m | 0 | 209 | 0.0% | |
| Profit before tax | Rs m | 2,899 | -5,565 | -52.1% | |
| 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 | 766 | 1,724 | 44.4% | |
| Profit after tax | Rs m | 2,133 | -6,421 | -33.2% | |
| Net profit margin | % | 19.1 | -5.0 | -380.5% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 103,210 | 751,546 | 13.7% | |
| Deposits | Rs m | 0 | 0 | - | |
| Credit/Deposit ratio | x | 0 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 0 | - | |
| Net Interest Margin | % | 3.9 | 7.7 | 50.5% | |
| Net fixed assets | Rs m | 522 | 2,410 | 21.7% | |
| Share capital | Rs m | 539 | 24,797 | 2.2% | |
| Free reserves | Rs m | 16,454 | 189,077 | 8.7% | |
| Net worth | Rs m | 16,993 | 213,873 | 7.9% | |
| Borrowings | Rs m | 3,481 | 252,490 | 1.4% | |
| Investments | Rs m | 2,739 | 152,282 | 1.8% | |
| Total assets | Rs m | 108,350 | 1,045,011 | 10.4% | |
| Debt/equity ratio | x | 0.2 | 1.2 | 17.4% | |
| Return on assets | % | 2.0 | -0.6 | -320.3% | |
| Return on equity | % | 12.5 | -3.0 | -418.0% | |
| Capital adequacy ratio | % | 31.5 | 24.5 | 128.3% | |
| Net NPAs | % | 3.3 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 10,432 | 74,905 | 13.9% | |
| From Investments | Rs m | -2,129 | -11,070 | 19.2% | |
| From Financial Activity | Rs m | -12,384 | -16,638 | 74.4% | |
| Net Cashflow | Rs m | -4,081 | 41,927 | -9.7% | |
Share Holding
| Indian Promoters | % | 42.4 | 65.9 | 64.4% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 9.1 | 19.7 | 46.0% | |
| FIIs | % | 3.2 | 11.0 | 28.8% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 57.6 | 34.1 | 168.7% | |
| Shareholders | 62,410 | 711,555 | 8.8% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare GIC HOUSING With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS TATA INVESTMENT
More on GIC 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:
GIC HOUSING vs L&T FINANCE Share Price Performance
| Period | GIC HOUSING | L&T FINANCE |
|---|---|---|
| 1-Day | 1.41% | -0.12% |
| 1-Month | 10.89% | 9.48% |
| 1-Year | 32.51% | 83.45% |
| 3-Year CAGR | 25.92% | 22.06% |
| 5-Year CAGR | -3.49% | 4.25% |
* Compound Annual Growth Rate
Here are more details on the GIC HOUSING share price and the L&T FINANCE share price.
Moving on to shareholding structures...
The promoters of GIC HOUSING hold a 42.4% 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 GIC HOUSING and the shareholding pattern of L&T FINANCE.
Finally, a word on dividends...
In the most recent financial year, GIC HOUSING paid a dividend of Rs 4.5 per share. This amounted to a Dividend Payout ratio of 11.4%.
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 GIC HOUSING, and the dividend history of L&T FINANCE.
For a sector overview, read our finance sector report.
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