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- BENGAL & ASSAM - BAJAJ FINANCE
BENGAL & ASSAM vs BAJAJ FINANCE - Comparison Results
Current Valuations
| BENGAL & ASSAM | BAJAJ FINANCE | BENGAL & ASSAM/ BAJAJ FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.3 | 26.1 | 12.7% | View Chart |
| P/BV | x | 1.1 | 5.3 | 21.7% | View Chart |
| Dividend Yield | % | 0.4 | 0.6 | 77.9% |
Financials
 BENGAL & ASSAM  BAJAJ FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-24 |
BAJAJ FINANCE Mar-24 |
BENGAL & ASSAM/ BAJAJ FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 10,389 | 8,190 | 126.8% | |
| Low | Rs | 3,251 | 5,633 | 57.7% | |
| Income per share (Unadj.) | Rs | 11,431.3 | 889.5 | 1,285.2% | |
| Earnings per share (Unadj.) | Rs | 3,443.9 | 233.8 | 1,472.8% | |
| Cash flow per share (Unadj.) | Rs | 13,785.3 | 573.1 | 2,405.4% | |
| Dividends per share (Unadj.) | Rs | 40.00 | 36.00 | 111.1% | |
| Avg Dividend yield | % | 0.6 | 0.5 | 112.6% | |
| Book value per share (Unadj.) | Rs | 8,013.7 | 1,224.7 | 654.3% | |
| Shares outstanding (eoy) | m | 11.30 | 618.01 | 1.8% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 7.8 | 7.7% | |
| Avg P/E ratio | x | 2.0 | 29.6 | 6.7% | |
| Avg P/CF ratio | x | 2.0 | 29.6 | 6.7% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 5.6 | 15.1% | |
| Dividend payout | % | 1.2 | 15.4 | 7.5% | |
| Avg Mkt Cap | Rs m | 77,040 | 4,271,285 | 1.8% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 12,790 | 63,960 | 20.0% | |
| 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 | 549,695 | 23.5% | |
| Other income | Rs m | 774 | 130 | 594.7% | |
| Interest expense | Rs m | 3,655 | 188,860 | 1.9% | |
| Net interest income | Rs m | 125,519 | 360,835 | 34.8% | |
| Operating expense | Rs m | 110,438 | 161,112 | 68.5% | |
| Gross profit | Rs m | 15,081 | 199,722 | 7.6% | |
| Gross profit margin | % | 11.7 | 36.3 | 32.1% | |
| Provisions/contingencies | Rs m | 1 | 31 | 2.4% | |
| Profit before tax | Rs m | 41,092 | 193,096 | 21.3% | |
| 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 | 48,584 | 13.2% | |
| Profit after tax | Rs m | 38,916 | 144,512 | 26.9% | |
| Net profit margin | % | 30.1 | 26.3 | 114.6% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 0 | 3,262,933 | 0.0% | |
| Deposits | Rs m | 75 | 601,509 | 0.0% | |
| Credit/Deposit ratio | x | 0 | 542.5 | 0.0% | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 6.7 | 0.0% | |
| Net Interest Margin | % | 138.0 | 10.1 | 1,367.8% | |
| Net fixed assets | Rs m | 4,381 | 32,499 | 13.5% | |
| Share capital | Rs m | 113 | 1,236 | 9.1% | |
| Free reserves | Rs m | 90,442 | 755,630 | 12.0% | |
| Net worth | Rs m | 90,555 | 756,866 | 12.0% | |
| Borrowings | Rs m | 1,403 | 443,327 | 0.3% | |
| Investments | Rs m | 90,945 | 313,203 | 29.0% | |
| Total assets | Rs m | 104,372 | 3,747,242 | 2.8% | |
| Debt/equity ratio | x | 0 | 1.4 | 1.7% | |
| Return on assets | % | 37.3 | 3.9 | 966.8% | |
| Return on equity | % | 43.0 | 19.1 | 225.1% | |
| Capital adequacy ratio | % | 0 | 22.5 | 0.0% | |
| Net NPAs | % | 0 | 0.5 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 18,172 | -727,601 | -2.5% | |
| From Investments | Rs m | -12,602 | -71,712 | 17.6% | |
| From Financial Activity | Rs m | -5,899 | 824,151 | -0.7% | |
| Net Cashflow | Rs m | -1,651 | 24,838 | -6.6% | |
Share Holding
| Indian Promoters | % | 73.0 | 54.7 | 133.5% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 4.6 | 35.9 | 12.7% | |
| FIIs | % | 4.6 | 20.8 | 21.9% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 45.3 | 59.6% | |
| Shareholders | 21,119 | 781,913 | 2.7% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare BENGAL & ASSAM With: BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS AAVAS FINANCIERS INDOSTAR CAPITAL
More on BENGAL & ASSAM vs Bajaj Finance
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 Bajaj Finance Share Price Performance
| Period | BENGAL & ASSAM | Bajaj Finance |
|---|---|---|
| 1-Day | -2.52% | -2.08% |
| 1-Month | -7.57% | -4.72% |
| 1-Year | 14.86% | -9.00% |
| 3-Year CAGR | 66.40% | -2.90% |
| 5-Year CAGR | 50.52% | 9.41% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the Bajaj Finance share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of Bajaj Finance the stake stands at 54.7%.
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 Bajaj Finance.
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%.
Bajaj Finance paid Rs 36.0, and its dividend payout ratio stood at 15.4%.
You may visit here to review the dividend history of BENGAL & ASSAM, and the dividend history of Bajaj Finance.
For a sector overview, read our finance sector report.
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