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- L&T FINANCE HOLDINGS - GRUH FINANCE
L&T FINANCE HOLDINGS vs GRUH FINANCE - Comparison Results
Current Valuations
| L&T FINANCE HOLDINGS | GRUH FINANCE | L&T FINANCE HOLDINGS/ GRUH FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 18.4 | 52.0 | 35.3% | View Chart |
| P/BV | x | 1.9 | 12.4 | 15.1% | View Chart |
| Dividend Yield | % | 1.2 | 0.6 | 197.0% |
Financials
 L&T FINANCE HOLDINGS  GRUH FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| L&T FINANCE HOLDINGS Mar-23 |
GRUH FINANCE Mar-19 |
L&T FINANCE HOLDINGS/ GRUH FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 98 | 382 | 25.7% | |
| Low | Rs | 66 | 205 | 32.3% | |
| Income per share (Unadj.) | Rs | 51.5 | 27.6 | 186.6% | |
| Earnings per share (Unadj.) | Rs | -2.6 | 6.1 | -42.5% | |
| Cash flow per share (Unadj.) | Rs | 30.6 | 10.1 | 302.4% | |
| Dividends per share (Unadj.) | Rs | 2.00 | 2.00 | 100.0% | |
| Avg Dividend yield | % | 2.4 | 0.7 | 357.1% | |
| Book value per share (Unadj.) | Rs | 86.3 | 25.6 | 336.4% | |
| Shares outstanding (eoy) | m | 2,479.67 | 733.69 | 338.0% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.6 | 10.6 | 15.0% | |
| Avg P/E ratio | x | -31.7 | 48.1 | -65.9% | |
| Avg P/CF ratio | x | -32.8 | 48.1 | -68.1% | |
| Avg Price/Bookvalue ratio | x | 1.0 | 11.4 | 8.3% | |
| Dividend payout | % | -77.2 | 32.8 | -235.4% | |
| Avg Mkt Cap | Rs m | 203,643 | 215,172 | 94.6% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 14,059 | 648 | 2,171.0% | |
| 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 | 127,750 | 20,262 | 630.5% | |
| Other income | Rs m | 33,759 | 216 | 15,621.9% | |
| Interest expense | Rs m | 58,222 | 13,012 | 447.4% | |
| Net interest income | Rs m | 69,527 | 7,250 | 959.0% | |
| Operating expense | Rs m | 80,867 | 1,282 | 6,309.9% | |
| Gross profit | Rs m | -11,340 | 5,968 | -190.0% | |
| Gross profit margin | % | -8.9 | 29.5 | -30.1% | |
| Provisions/contingencies | Rs m | 209 | 0 | - | |
| Profit before tax | Rs m | -5,565 | 6,150 | -90.5% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 868 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 1,724 | 1,678 | 102.7% | |
| Profit after tax | Rs m | -6,421 | 4,472 | -143.6% | |
| Net profit margin | % | -5.0 | 22.1 | -22.8% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 751,546 | 172,883 | 434.7% | |
| Deposits | Rs m | 0 | 0 | - | |
| Credit/Deposit ratio | x | 0 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 0 | - | |
| Net Interest Margin | % | 7.7 | 3.9 | 195.1% | |
| Net fixed assets | Rs m | 2,410 | 151 | 1,592.0% | |
| Share capital | Rs m | 24,797 | 1,467 | 1,689.8% | |
| Free reserves | Rs m | 189,077 | 17,342 | 1,090.3% | |
| Net worth | Rs m | 213,873 | 18,809 | 1,137.1% | |
| Borrowings | Rs m | 252,490 | 150,129 | 168.2% | |
| Investments | Rs m | 152,282 | 10,945 | 1,391.3% | |
| Total assets | Rs m | 1,045,011 | 195,417 | 534.8% | |
| Debt/equity ratio | x | 1.2 | 8.0 | 14.8% | |
| Return on assets | % | -0.6 | 2.3 | -26.9% | |
| Return on equity | % | -3.0 | 23.8 | -12.6% | |
| Capital adequacy ratio | % | 24.5 | 20.3 | 120.8% | |
| Net NPAs | % | 0 | 0.4 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 74,905 | -14,322 | -523.0% | |
| From Investments | Rs m | -11,070 | 491 | -2,254.1% | |
| From Financial Activity | Rs m | -16,638 | 24,184 | -68.8% | |
| Net Cashflow | Rs m | 41,927 | 10,354 | 404.9% | |
Share Holding
| Indian Promoters | % | 65.9 | 47.4 | 138.9% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 19.7 | 30.8 | 64.0% | |
| FIIs | % | 11.0 | 18.7 | 58.9% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 34.1 | 52.6 | 64.9% | |
| Shareholders | 711,555 | 72,213 | 985.4% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare L&T FINANCE HOLDINGS With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS TATA INVESTMENT
More on L&T FINANCE vs GRUH FINANCE
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
L&T FINANCE vs GRUH FINANCE Share Price Performance
| Period | L&T FINANCE | GRUH FINANCE |
|---|---|---|
| 1-Day | -0.12% | 3.73% |
| 1-Month | 9.48% | 27.02% |
| 1-Year | 83.45% | 13.06% |
| 3-Year CAGR | 22.06% | 23.04% |
| 5-Year CAGR | 4.25% | 27.87% |
* Compound Annual Growth Rate
Here are more details on the L&T FINANCE share price and the GRUH FINANCE share price.
Moving on to shareholding structures...
The promoters of L&T FINANCE hold a 65.9% stake in the company. In case of GRUH FINANCE the stake stands at 47.4%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of L&T FINANCE and the shareholding pattern of GRUH FINANCE.
Finally, a word on dividends...
In the most recent financial year, L&T FINANCE paid a dividend of Rs 2.0 per share. This amounted to a Dividend Payout ratio of -77.2%.
GRUH FINANCE paid Rs 2.0, and its dividend payout ratio stood at 32.8%.
You may visit here to review the dividend history of L&T FINANCE, and the dividend history of GRUH FINANCE.
For a sector overview, read our finance sector report.
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