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- L&T FINANCE HOLDINGS - SBI CARDS
L&T FINANCE HOLDINGS vs SBI CARDS - Comparison Results
Current Valuations
| L&T FINANCE HOLDINGS | SBI CARDS | L&T FINANCE HOLDINGS/ SBI CARDS |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 18.7 | 29.6 | 63.0% | View Chart |
| P/BV | x | 1.9 | 7.3 | 26.1% | View Chart |
| Dividend Yield | % | 1.2 | 0.3 | 366.6% |
Financials
 L&T FINANCE HOLDINGS  SBI CARDS |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| L&T FINANCE HOLDINGS Mar-23 |
SBI CARDS Mar-23 |
L&T FINANCE HOLDINGS/ SBI CARDS |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 98 | 1,029 | 9.6% | |
| Low | Rs | 66 | 656 | 10.1% | |
| Income per share (Unadj.) | Rs | 51.5 | 144.5 | 35.7% | |
| Earnings per share (Unadj.) | Rs | -2.6 | 23.9 | -10.8% | |
| Cash flow per share (Unadj.) | Rs | 30.6 | 124.7 | 24.6% | |
| Dividends per share (Unadj.) | Rs | 2.00 | 2.50 | 80.0% | |
| Avg Dividend yield | % | 2.4 | 0.3 | 820.6% | |
| Book value per share (Unadj.) | Rs | 86.3 | 103.5 | 83.4% | |
| Shares outstanding (eoy) | m | 2,479.67 | 946.07 | 262.1% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.6 | 5.8 | 27.3% | |
| Avg P/E ratio | x | -31.7 | 35.3 | -89.9% | |
| Avg P/CF ratio | x | -32.8 | 34.6 | -94.7% | |
| Avg Price/Bookvalue ratio | x | 1.0 | 8.1 | 11.7% | |
| Dividend payout | % | -77.2 | 10.5 | -737.5% | |
| Avg Mkt Cap | Rs m | 203,643 | 796,997 | 25.6% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 14,059 | 5,619 | 250.2% | |
| 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 | 136,666 | 93.5% | |
| Other income | Rs m | 33,759 | 6,190 | 545.4% | |
| Interest expense | Rs m | 58,222 | 22,840 | 254.9% | |
| Net interest income | Rs m | 69,527 | 113,826 | 61.1% | |
| Operating expense | Rs m | 80,867 | 88,073 | 91.8% | |
| Gross profit | Rs m | -11,340 | 25,754 | -44.0% | |
| Gross profit margin | % | -8.9 | 18.8 | -47.1% | |
| Provisions/contingencies | Rs m | 209 | 449 | 46.5% | |
| Profit before tax | Rs m | -5,565 | 30,306 | -18.4% | |
| 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 | 7,721 | 22.3% | |
| Profit after tax | Rs m | -6,421 | 22,585 | -28.4% | |
| Net profit margin | % | -5.0 | 16.5 | -30.4% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 751,546 | 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 | % | 7.7 | 524.4 | 1.5% | |
| Net fixed assets | Rs m | 2,410 | 5,510 | 43.7% | |
| Share capital | Rs m | 24,797 | 9,461 | 262.1% | |
| Free reserves | Rs m | 189,077 | 88,439 | 213.8% | |
| Net worth | Rs m | 213,873 | 97,899 | 218.5% | |
| Borrowings | Rs m | 252,490 | 231,429 | 109.1% | |
| Investments | Rs m | 152,282 | 21,705 | 701.6% | |
| Total assets | Rs m | 1,045,011 | 452,989 | 230.7% | |
| Debt/equity ratio | x | 1.2 | 2.4 | 49.9% | |
| Return on assets | % | -0.6 | 5.0 | -12.3% | |
| Return on equity | % | -3.0 | 23.1 | -13.0% | |
| Capital adequacy ratio | % | 24.5 | 23.1 | 106.2% | |
| Net NPAs | % | 0 | 0.9 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 74,905 | -66,705 | -112.3% | |
| From Investments | Rs m | -11,070 | -9,214 | 120.1% | |
| From Financial Activity | Rs m | -16,638 | 78,236 | -21.3% | |
| Net Cashflow | Rs m | 41,927 | 2,316 | 1,810.1% | |
Share Holding
| Indian Promoters | % | 65.9 | 68.6 | 96.0% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 19.7 | 25.3 | 78.1% | |
| FIIs | % | 11.0 | 8.6 | 128.5% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 34.1 | 31.4 | 108.8% | |
| Shareholders | 711,555 | 1,036,632 | 68.6% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare L&T FINANCE HOLDINGS With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST TATA INVESTMENT AAVAS FINANCIERS
More on L&T FINANCE vs SBI CARDS
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 SBI CARDS Share Price Performance
| Period | L&T FINANCE | SBI CARDS |
|---|---|---|
| 1-Day | -2.38% | -1.02% |
| 1-Month | 4.63% | 7.71% |
| 1-Year | 81.32% | -3.29% |
| 3-Year CAGR | 23.16% | -6.54% |
| 5-Year CAGR | 5.01% | 1.89% |
* Compound Annual Growth Rate
Here are more details on the L&T FINANCE share price and the SBI CARDS share price.
Moving on to shareholding structures...
The promoters of L&T FINANCE hold a 65.9% stake in the company. In case of SBI CARDS the stake stands at 68.6%.
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 SBI CARDS.
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%.
SBI CARDS paid Rs 2.5, and its dividend payout ratio stood at 10.5%.
You may visit here to review the dividend history of L&T FINANCE, and the dividend history of SBI CARDS.
For a sector overview, read our finance sector report.
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