L&T Finance Holdings Ltd

L&T Finance Holdings is registered with the Reserve Bank of India (RBI) as a Systemically Important Non-Deposit Accepting Core Investment Company (NBFC-CIC). As an NBFC-CIC, the Company.(Source : 201903 Annual Report Page No: 112)

Pros:
Company has good consistent profit growth of 29.64% over 5 years
Cons:
Company has low interest coverage ratio.
Promoter's stake has decreased

Peer Comparison Sector: Finance // Industry: Finance & Investments

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Quarterly Results Consolidated Figures in Rs. Crores / View Standalone

Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019
2,088 2,094 2,163 2,301 2,597 2,543 2,741 3,106 3,153 3,363 3,304 3,595
635 628 980 786 937 804 920 917 881 798 788 1,008
Operating Profit 1,453 1,466 1,183 1,515 1,660 1,740 1,820 2,189 2,272 2,565 2,516 2,586
OPM % 70% 70% 55% 66% 64% 68% 66% 70% 72% 76% 76% 72%
Other Income 54 68 76 126 13 51 22 64 187 89 80 95
Interest 1,153 1,160 1,158 1,270 1,314 1,402 1,463 1,512 1,650 1,866 1,832 1,923
Depreciation 18 16 15 14 12 13 13 12 12 12 14 16
Profit before tax 335 358 85 357 347 376 366 729 798 776 749 743
Tax % 26% 23% -268% 6% 0% 13% 26% 26% 30% 25% 26% 26%
Net Profit 248 271 316 314 338 321 268 538 560 581 552 549
EPS in Rs 1.23 1.38 1.60 1.76 1.85 1.76 1.51 2.70 2.81 2.90 2.74 2.74
Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes

Profit & Loss Consolidated Figures in Rs. Crores / View Standalone

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 TTM
0 1,423 2,114 3,004 3,990 5,221 6,456 7,440 8,532 10,215 12,990 13,415
0 309 421 539 829 1,230 1,634 1,979 2,778 3,309 3,310 3,476
Operating Profit -0 1,113 1,693 2,464 3,161 3,991 4,822 5,461 5,754 6,906 9,680 9,939
OPM % -100% 78% 80% 82% 79% 76% 75% 73% 67% 68% 75% 74%
Other Income 0 1 -9 -13 223 -5 25 8 28 50 304 451
Interest 0 675 1,021 1,707 2,330 3,081 3,577 4,133 4,635 5,458 6,882 7,271
Depreciation 0 48 59 60 65 80 96 83 67 52 50 54
Profit before tax -0 393 604 684 989 825 1,175 1,253 1,079 1,446 3,052 3,065
Tax % -0% 34% 35% 34% 26% 28% 28% 32% 3% 12% 27%
Net Profit -2 260 391 455 730 597 855 857 1,042 1,255 2,226 2,242
EPS in Rs 2.60 4.13 2.82 4.04 3.58 4.95 6.29 11.14 11.19
Dividend Payout % -0% 0% 0% 0% 18% 22% 16% 16% 13% 16% 9%
* Sales is net of excise duty and discounts
Compounded Sales Growth
10 Years:281.29%
5 Years:20.00%
3 Years:20.41%
TTM:22.10%
Compounded Profit Growth
10 Years:103.67%
5 Years:29.64%
3 Years:36.90%
TTM:53.04%
Stock Price CAGR
10 Years:%
5 Years:5.06%
3 Years:-5.88%
1 Year:-36.99%
Return on Equity
10 Years:12.86%
5 Years:13.26%
3 Years:14.52%
Last Year:17.96%

Balance Sheet Consolidated Figures in Rs. Crores / View Standalone

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
2 1,354 1,417 1,715 2,467 2,718 3,084 2,967 2,969 1,996 1,999
Reserves 455 718 1,474 3,038 3,753 4,107 4,656 5,324 6,020 9,411 11,450
Borrowings 6,220 9,727 15,901 21,077 28,247 35,854 42,091 51,616 59,811 75,248 91,507
1,339 700 850 1,123 2,864 3,192 4,294 5,129 4,977 1,122 1,100
Total Liabilities 8,016 12,499 19,643 26,953 36,582 44,872 52,761 63,821 72,564 87,777 106,055
248 444 476 520 1,131 1,228 1,184 1,313 1,230 1,151 1,127
CWIP 12 1 18 33 89 140 174 22 28 19 39
Investments 169 309 732 770 1,843 2,730 2,649 3,563 6,012 5,301 8,641
7,587 11,745 18,417 25,630 33,519 40,774 48,754 58,923 65,295 81,305 96,248
Total Assets 8,016 12,499 19,643 26,953 36,582 44,872 52,761 63,821 72,564 87,777 106,055

Cash Flows Consolidated Figures in Rs. Crores / View Standalone

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
-3,714 -5,879 -5,993 -6,096 -6,083 -6,474 -9,213 -5,779 -15,640 -11,643
-356 -377 -171 -1,671 -1,032 2 -675 -2,118 1,549 -3,587
4,115 6,303 6,111 7,947 7,602 6,552 9,426 7,952 14,678 16,008
Net Cash Flow 45 46 -53 180 487 81 -461 55 587 777

Ratios Consolidated Figures in Rs. Crores / View Standalone

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
ROCE % 12% 11% 11% 10% 10% 10% 10% 9% 9% 10%
Debtor Days 3,276,240 100 1 1 3 2 1 1 3 5 3
Inventory Turnover