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- BENGAL & ASSAM - AAVAS FINANCIERS
BENGAL & ASSAM vs AAVAS FINANCIERS - Comparison Results
Current Valuations
| BENGAL & ASSAM | AAVAS FINANCIERS | BENGAL & ASSAM/ AAVAS FINANCIERS |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.4 | 24.3 | 13.9% | View Chart |
| P/BV | x | 1.2 | 3.5 | 33.5% | View Chart |
| Dividend Yield | % | 0.4 | 0.0 | - |
Financials
 BENGAL & ASSAM  AAVAS FINANCIERS |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-24 |
AAVAS FINANCIERS Mar-24 |
BENGAL & ASSAM/ AAVAS FINANCIERS |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 10,389 | 1,832 | 567.1% | |
| Low | Rs | 3,251 | 1,307 | 248.7% | |
| Income per share (Unadj.) | Rs | 11,431.3 | 255.0 | 4,483.3% | |
| Earnings per share (Unadj.) | Rs | 3,443.9 | 62.0 | 5,554.3% | |
| Cash flow per share (Unadj.) | Rs | 13,785.3 | 146.3 | 9,420.1% | |
| Dividends per share (Unadj.) | Rs | 40.00 | 0 | - | |
| Avg Dividend yield | % | 0.6 | 0 | - | |
| Book value per share (Unadj.) | Rs | 8,013.7 | 470.3 | 1,704.0% | |
| Shares outstanding (eoy) | m | 11.30 | 79.14 | 14.3% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 6.2 | 9.7% | |
| Avg P/E ratio | x | 2.0 | 25.3 | 7.8% | |
| Avg P/CF ratio | x | 2.0 | 25.3 | 7.8% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 3.3 | 25.5% | |
| Dividend payout | % | 1.2 | 0 | - | |
| Avg Mkt Cap | Rs m | 77,040 | 124,208 | 62.0% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 12,790 | 3,559 | 359.4% | |
| 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 | 129,174 | 20,179 | 640.1% | |
| Other income | Rs m | 774 | 31 | 2,537.0% | |
| Interest expense | Rs m | 3,655 | 8,302 | 44.0% | |
| Net interest income | Rs m | 125,519 | 11,877 | 1,056.8% | |
| Operating expense | Rs m | 110,438 | 5,327 | 2,073.0% | |
| Gross profit | Rs m | 15,081 | 6,550 | 230.2% | |
| Gross profit margin | % | 11.7 | 32.5 | 36.0% | |
| Provisions/contingencies | Rs m | 1 | 0 | - | |
| Profit before tax | Rs m | 41,092 | 6,254 | 657.1% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -3,020 | 0 | - | |
| Prior Period Items | Rs m | 7,264 | 0 | - | |
| Tax | Rs m | 6,421 | 1,347 | 476.7% | |
| Profit after tax | Rs m | 38,916 | 4,907 | 793.1% | |
| Net profit margin | % | 30.1 | 24.3 | 123.9% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 0 | 140,044 | 0.0% | |
| Deposits | Rs m | 75 | 0 | - | |
| Credit/Deposit ratio | x | 0 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 0 | - | |
| Net Interest Margin | % | 138.0 | 8.4 | 1,649.1% | |
| Net fixed assets | Rs m | 4,381 | 1,160 | 377.7% | |
| Share capital | Rs m | 113 | 791 | 14.3% | |
| Free reserves | Rs m | 90,442 | 36,426 | 248.3% | |
| Net worth | Rs m | 90,555 | 37,218 | 243.3% | |
| Borrowings | Rs m | 1,403 | 35,661 | 3.9% | |
| Investments | Rs m | 90,945 | 1,874 | 4,851.8% | |
| Total assets | Rs m | 104,372 | 165,195 | 63.2% | |
| Debt/equity ratio | x | 0 | 1.0 | 2.4% | |
| Return on assets | % | 37.3 | 3.0 | 1,255.2% | |
| Return on equity | % | 43.0 | 13.2 | 326.0% | |
| Capital adequacy ratio | % | 0 | 44.0 | 0.0% | |
| Net NPAs | % | 0 | 0.7 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 18,172 | -19,866 | -91.5% | |
| From Investments | Rs m | -12,602 | -6,468 | 194.8% | |
| From Financial Activity | Rs m | -5,899 | 24,773 | -23.8% | |
| Net Cashflow | Rs m | -1,651 | -1,571 | 105.1% | |
Share Holding
| Indian Promoters | % | 73.0 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 26.5 | - | |
| Indian inst/Mut Fund | % | 4.6 | 61.0 | 7.5% | |
| FIIs | % | 4.6 | 35.5 | 12.8% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 73.5 | 36.7% | |
| Shareholders | 21,119 | 144,452 | 14.6% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare BENGAL & ASSAM With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS MANAPPURAM FINANCE
More on BENGAL & ASSAM vs AAVAS FINANCIERS
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
BENGAL & ASSAM vs AAVAS FINANCIERS Share Price Performance
| Period | BENGAL & ASSAM | AAVAS FINANCIERS |
|---|---|---|
| 1-Day | 1.41% | -0.27% |
| 1-Month | -6.33% | -2.59% |
| 1-Year | 16.22% | 10.38% |
| 3-Year CAGR | 67.18% | -16.13% |
| 5-Year CAGR | 50.42% | -1.03% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the AAVAS FINANCIERS share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of AAVAS FINANCIERS the stake stands at 26.5%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of BENGAL & ASSAM and the shareholding pattern of AAVAS FINANCIERS.
Finally, a word on dividends...
In the most recent financial year, BENGAL & ASSAM paid a dividend of Rs 40.0 per share. This amounted to a Dividend Payout ratio of 1.2%.
AAVAS FINANCIERS paid Rs 0.0, and its dividend payout ratio stood at 0.0%.
You may visit here to review the dividend history of BENGAL & ASSAM, and the dividend history of AAVAS FINANCIERS.
For a sector overview, read our finance sector report.
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