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Compare L&T FINANCE with HDFC - Equitymaster
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L&T FINANCE HOLDINGS vs HDFC - Comparison Results

HDFC 
   Change

HDFC is India's largest housing finance company with strong brand equity and market share of approximately 19%. Besides housing loans, HDFC has also been benefiting from the retail reach of its banking subsidiary (HDFC Bank). Over the years, HDFC has... More

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Current Valuations

    L&T FINANCE HOLDINGS HDFC L&T FINANCE HOLDINGS/
HDFC
 
P/E (TTM) x 26.4 23.9 110.6% View Chart
P/BV x 3.9 5.4 72.3% View Chart
Dividend Yield % 0.5 1.0 46.5%  

Financials

 L&T FINANCE HOLDINGS   HDFC
EQUITY SHARE DATA
    L&T FINANCE HOLDINGS
Mar-15
HDFC
Mar-16
L&T FINANCE HOLDINGS/
HDFC
5-Yr Chart
Click to enlarge
High Rs711,370 5.2%   
Low Rs601,012 5.9%   
Income per share (Unadj.) Rs36.0311.4 11.6%  
Earnings per share (Unadj.) Rs5.064.5 7.7%  
Cash flow per share (Unadj.) Rs15.8196.6 8.1%  
Dividends per share (Unadj.) Rs0.8017.00 4.7%  
Avg Dividend yield %1.21.4 85.4%  
Book value per share (Unadj.) Rs45.0322.2 14.0%  
Shares outstanding (eoy) m1,720.291,579.85 108.9%   
Bonus/Rights/Conversions ESOPWC-  
Avg Price / Income ratio x1.83.8 47.6%   
Avg P/E ratio x13.218.5 71.5%  
Avg P/CF ratio x11.917.0 69.7%  
Avg Price/Bookvalue ratio x1.53.7 39.4%  
Dividend payout %16.126.4 61.1%   
Avg Mkt Cap Rs m112,8511,881,601 6.0%   
No. of employees `0003.02.2 136.6%   
Total wages & salary Rs m3,5237,881 44.7%   
Avg. income/employee Rs Th20,654.1224,012.8 9.2%   
Avg. wages/employee Rs Th1,174.23,589.0 32.7%   
Avg. net profit/employee Rs Th2,848.946,403.7 6.1%   
INCOME DATA
Interest income Rs m61,962491,932 12.6%  
Other income Rs m1,41224,474 5.8%   
Interest expense Rs m35,678202,956 17.6%   
Net interest income Rs m26,284288,976 9.1%  
Operating expense Rs m16,432197,070 8.3%   
Gross profit Rs m9,85291,906 10.7%  
Gross profit margin %15.918.7 85.1%  
Provisions/contingencies Rs m9558,534 11.2%   
Profit before tax Rs m11,74899,964 11.8%   
Extraordinary Inc (Exp) Rs m016,165 0.0%   
Minority Interest Rs m0-5,280 0.0%   
Prior Period Items Rs m4027,446 0.1%   
Tax Rs m3,24136,393 8.9%   
Profit after tax Rs m8,547101,903 8.4%  
Net profit margin %13.820.7 66.6%  
BALANCE SHEET DATA
Advances Rs m345,7202,720,856 12.7%   
Deposits Rs m0341,642 0.0%  
Credit/Deposit ratio xNM796.4- 
Yield on advances %17.110.4 164.2%   
Cost of deposits %N.A.7.8-  
Net Interest Margin %7.17.9 89.8%  
Net fixed assets Rs m7,18513,992 51.4%   
Share capital Rs m30,8373,160 975.9%   
Free reserves Rs m25,789377,902 6.8%   
Net worth Rs m77,399509,007 15.2%   
Borrowings Rs m353,896846,182 41.8%   
Investments Rs m26,492954,644 2.8%   
Total assets Rs m527,4223,976,805 13.3%  
Debt/equity ratio x4.62.3 195.9%   
Return on assets %1.62.6 63.2%  
Return on equity %11.020.0 55.2%  
Capital adequacy ratio %88.016.6 529.9%  
Net NPAs %1.30-  
CASH FLOW
From Operations Rs m-64,736-195,866 33.1%  
From Investments Rs m24-93,123 -0.0%  
From Financial Activity Rs m65,524289,868 22.6%  
Net Cashflow Rs m811879 92.3%  

Share Holding

Indian Promoters % 75.0 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.7 10.5 6.7%  
FIIs % 5.2 77.6 6.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 19.2 12.0 160.0%  
Shareholders   464,590 175,570 264.6%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare L&T FINANCE HOLDINGS With:   RURAL ELECT.  LIC HOUSING  MAHINDRA FINANCE  SHRIRAM TRANSPORT FIN.  MAGMA FINCORP  



Today's Market

Vishal Sikka's Infosys Exit, White House Shake up & Cues to Watch Out Today(Pre-Open)

Indian share markets ended lower on Friday but gained during the overall week. At the closing bell on Friday, BSE Sensex closed lower by 271 points and the NSE Nifty finished down 67 points.

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HDFC: Red Flag in Developer Loans (Quarterly Results Update - Detailed)

Aug 10, 2017

HDFC starts FY18 on robust loan growth but asset quality slips on increased exposure to developer loans.

HDFC: Conservative Provisioning tempers down FY17 earnings (Quarterly Results Update - Detailed)

May 9, 2017

HDFC ends FY17 on a tepid note as it remains conservative on the asset quality front.

HDFC: High Provisioning Drags Down Earnings Growth (Quarterly Results Update - Detailed)

Feb 7, 2017

HDFC declared its results for the third quarter (3QFY17). The institution has reported 18.4% YoY growth in net interest income while net profits have grown by 11.9% YoY during 3QFY17.

HDFC: Robust growth on healthy credit offtake (Quarterly Results Update - Detailed)

Nov 8, 2016

HDFC declared its results for the second quarter (1QFY17). The institution has reported 12.6% YoY growth in net interest income while net profits have grown by 13.8% YoY during 2QFY17.

Power Finance Corp: Extraordinary Income Boosts Earnings (Quarterly Results Update - Detailed)

Mar 20, 2017

Power Finance Corporation (PFC) declared its results for the third quarter of financial year 2016-17 (3QFY17). The institution has reported a 0.5% YoY fall in net interest income and 23% YoY rise in net profits.

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Aug 18, 2017 (Close)

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