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- GRUH FINANCE - L&T FINANCE HOLDINGS
GRUH FINANCE vs L&T FINANCE HOLDINGS - Comparison Results
Current Valuations
| GRUH FINANCE | L&T FINANCE HOLDINGS | GRUH FINANCE/ L&T FINANCE HOLDINGS |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 52.0 | 18.4 | 282.7% | View Chart |
| P/BV | x | 12.4 | 1.9 | 659.9% | View Chart |
| Dividend Yield | % | 0.6 | 1.2 | 50.8% |
Financials
 GRUH FINANCE  L&T FINANCE HOLDINGS |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| GRUH FINANCE Mar-19 |
L&T FINANCE HOLDINGS Mar-23 |
GRUH FINANCE/ L&T FINANCE HOLDINGS |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 382 | 98 | 388.8% | |
| Low | Rs | 205 | 66 | 310.0% | |
| Income per share (Unadj.) | Rs | 27.6 | 51.5 | 53.6% | |
| Earnings per share (Unadj.) | Rs | 6.1 | -2.6 | -235.4% | |
| Cash flow per share (Unadj.) | Rs | 10.1 | 30.6 | 33.1% | |
| Dividends per share (Unadj.) | Rs | 2.00 | 2.00 | 100.0% | |
| Avg Dividend yield | % | 0.7 | 2.4 | 28.0% | |
| Book value per share (Unadj.) | Rs | 25.6 | 86.3 | 29.7% | |
| Shares outstanding (eoy) | m | 733.69 | 2,479.67 | 29.6% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 10.6 | 1.6 | 666.2% | |
| Avg P/E ratio | x | 48.1 | -31.7 | -151.7% | |
| Avg P/CF ratio | x | 48.1 | -32.8 | -146.8% | |
| Avg Price/Bookvalue ratio | x | 11.4 | 1.0 | 1,201.4% | |
| Dividend payout | % | 32.8 | -77.2 | -42.5% | |
| Avg Mkt Cap | Rs m | 215,172 | 203,643 | 105.7% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 648 | 14,059 | 4.6% | |
| 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 | 20,262 | 127,750 | 15.9% | |
| Other income | Rs m | 216 | 33,759 | 0.6% | |
| Interest expense | Rs m | 13,012 | 58,222 | 22.3% | |
| Net interest income | Rs m | 7,250 | 69,527 | 10.4% | |
| Operating expense | Rs m | 1,282 | 80,867 | 1.6% | |
| Gross profit | Rs m | 5,968 | -11,340 | -52.6% | |
| Gross profit margin | % | 29.5 | -8.9 | -331.8% | |
| Provisions/contingencies | Rs m | 0 | 209 | 0.0% | |
| Profit before tax | Rs m | 6,150 | -5,565 | -110.5% | |
| 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 | 1,678 | 1,724 | 97.4% | |
| Profit after tax | Rs m | 4,472 | -6,421 | -69.6% | |
| Net profit margin | % | 22.1 | -5.0 | -439.1% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 172,883 | 751,546 | 23.0% | |
| Deposits | Rs m | 0 | 0 | - | |
| Credit/Deposit ratio | x | 0 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 0 | - | |
| Net Interest Margin | % | 3.9 | 7.7 | 51.3% | |
| Net fixed assets | Rs m | 151 | 2,410 | 6.3% | |
| Share capital | Rs m | 1,467 | 24,797 | 5.9% | |
| Free reserves | Rs m | 17,342 | 189,077 | 9.2% | |
| Net worth | Rs m | 18,809 | 213,873 | 8.8% | |
| Borrowings | Rs m | 150,129 | 252,490 | 59.5% | |
| Investments | Rs m | 10,945 | 152,282 | 7.2% | |
| Total assets | Rs m | 195,417 | 1,045,011 | 18.7% | |
| Debt/equity ratio | x | 8.0 | 1.2 | 676.1% | |
| Return on assets | % | 2.3 | -0.6 | -372.4% | |
| Return on equity | % | 23.8 | -3.0 | -791.9% | |
| Capital adequacy ratio | % | 20.3 | 24.5 | 82.8% | |
| Net NPAs | % | 0.4 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -14,322 | 74,905 | -19.1% | |
| From Investments | Rs m | 491 | -11,070 | -4.4% | |
| From Financial Activity | Rs m | 24,184 | -16,638 | -145.4% | |
| Net Cashflow | Rs m | 10,354 | 41,927 | 24.7% | |
Share Holding
| Indian Promoters | % | 47.4 | 65.9 | 72.0% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 30.8 | 19.7 | 156.2% | |
| FIIs | % | 18.7 | 11.0 | 169.7% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 52.6 | 34.1 | 154.0% | |
| Shareholders | 72,213 | 711,555 | 10.1% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare GRUH FINANCE With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS TATA INVESTMENT
More on GRUH FINANCE 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:
GRUH FINANCE vs L&T FINANCE Share Price Performance
| Period | GRUH FINANCE | L&T FINANCE |
|---|---|---|
| 1-Day | 3.73% | -0.22% |
| 1-Month | 27.02% | 8.95% |
| 1-Year | 13.06% | 81.55% |
| 3-Year CAGR | 23.04% | 22.12% |
| 5-Year CAGR | 27.87% | 3.47% |
* Compound Annual Growth Rate
Here are more details on the GRUH FINANCE share price and the L&T FINANCE share price.
Moving on to shareholding structures...
The promoters of GRUH FINANCE hold a 47.4% 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 GRUH FINANCE and the shareholding pattern of L&T FINANCE.
Finally, a word on dividends...
In the most recent financial year, GRUH FINANCE paid a dividend of Rs 2.0 per share. This amounted to a Dividend Payout ratio of 32.8%.
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 GRUH FINANCE, and the dividend history of L&T FINANCE.
For a sector overview, read our finance sector report.
Today's Market
![Sensex Today Falls 1,000 Points from Day's High, Slides for 4th Day | Nifty Below 22,100 | Infosys, Bajaj Auto Surge Ahead of Q3 Results]()
Sensex Today Falls 1,000 Points from Day's High, Slides for 4th Day | Nifty Below 22,100 | Infosys, Bajaj Auto Surge Ahead of Q3 Results(Closing)
It was indeed a volatile trading session for Indian share markets today. Benchmark indices swung between gains and losses throughout the day.
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