KOTAK MAHINDRA BANK LTD vs L&T FINANCE LIMITED

A side-by-side comparison of KOTAK MAHINDRA BANK LTD (KOTAKBANK) and L&T FINANCE LIMITED (LTF) — valuation, profitability, growth, and financial health — to help you judge which is the stronger buy today.

KOTAKBANK logo
KOTAK MAHINDRA BANK LTD
KOTAKBANK
₹424.65+1.25%
Leads on the numbers
VS
LTF logo
L&T FINANCE LIMITED
LTF
₹309.4-3.61%
The verdict

On the numbers, KOTAK MAHINDRA BANK LTD leads KOTAKBANK vs LTF on 8 of 14 metrics (2 undecided). See the breakdown below — the right pick still depends on your goals (value vs growth, risk appetite).

  • Valuation31
  • Profitability12
  • Growth01
  • Size & financial health40
ValueReturnsMarginGrowthScaleLow debt

Each axis shows this group's split of that metric, scaled so the leader sits at the edge. Relative to each other, not an absolute score.

Valuation

KOTAKBANK takes 3/4

How expensive each stock is relative to its earnings and book value. Lower usually means cheaper.

21.90
P/E ratio
26.00
2.19
P/B ratio
2.81
0.15%
Dividend yield
0.85%
₹19.39
EPS
₹11.90

Profitability

LTF takes 2/4

How efficiently each company turns capital and sales into profit. Higher is better.

11.20%
Return on equity even
11.20%
6.93%
Return on capital
8.40%
24.31%
EBITDA margin
61.15%
17.25%
Net margin
16.70%

Growth

LTF takes 1/2

Three-year compounded growth. Faster-growing businesses can justify a higher valuation.

—
Revenue CAGR (3Y) even
10.46%
8.92%
Profit CAGR (3Y)
24.76%

Size & financial health

KOTAKBANK takes 4/4

Scale and balance-sheet strength. Bigger revenue/profit and lower debt are generally safer.

₹4.22L Cr
Market cap
₹77,387 Cr
₹1.11L Cr
Revenue
₹17,917 Cr
₹19,288 Cr
Net profit
₹2,983 Cr
0.00
Debt / equity
3.78
KOTAK MAHINDRA BANK LTD
  • − ["Company has low interest coverage ratio.", "Company has a low return on equity of 13.7% over last 3 years.", "Contingent liabilities of Rs.10,54,268 Cr.", "Earnings include an other income of Rs.40,409 Cr.", "Dividend payout has been low at 2.59% of profits over last 3 years", "Working capital days have increased from 97.7 days to 145 days"]
L&T FINANCE LIMITED
  • + ["Company has delivered good profit growth of 32.4% CAGR over last 5 years", "Company has been maintaining a healthy dividend payout of 25.3%"]
  • − ["Stock is trading at 2.81 times its book value", "Company has low interest coverage ratio.", "The company has delivered a poor sales growth of 6.05% over past five years.", "Company has a low return on equity of 10.8% over last 3 years.", "Company might be capitalizing the interest cost"]
KOTAK MAHINDRA BANK LTD full analysis L&T FINANCE LIMITED full analysis

This comparison is for informational purposes only and is not investment advice. Please consult a SEBI-registered advisor before investing.