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- BENGAL & ASSAM - CREDITACCESS GRAMEEN
BENGAL & ASSAM vs CREDITACCESS GRAMEEN - Comparison Results
Current Valuations
| BENGAL & ASSAM | CREDITACCESS GRAMEEN | BENGAL & ASSAM/ CREDITACCESS GRAMEEN |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.3 | 10.3 | 32.2% | View Chart |
| P/BV | x | 1.1 | 2.1 | 54.6% | View Chart |
| Dividend Yield | % | 0.4 | 1.2 | 37.4% |
Financials
 BENGAL & ASSAM  CREDITACCESS GRAMEEN |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-24 |
CREDITACCESS GRAMEEN Mar-24 |
BENGAL & ASSAM/ CREDITACCESS GRAMEEN |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 10,389 | 1,794 | 579.0% | |
| Low | Rs | 3,251 | 903 | 359.9% | |
| Income per share (Unadj.) | Rs | 11,431.3 | 324.2 | 3,526.3% | |
| Earnings per share (Unadj.) | Rs | 3,443.9 | 90.7 | 3,796.1% | |
| Cash flow per share (Unadj.) | Rs | 13,785.3 | 212.1 | 6,500.5% | |
| Dividends per share (Unadj.) | Rs | 40.00 | 10.00 | 400.0% | |
| Avg Dividend yield | % | 0.6 | 0.7 | 79.1% | |
| Book value per share (Unadj.) | Rs | 8,013.7 | 410.3 | 1,953.3% | |
| Shares outstanding (eoy) | m | 11.30 | 159.38 | 7.1% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 4.2 | 14.3% | |
| Avg P/E ratio | x | 2.0 | 14.9 | 13.3% | |
| Avg P/CF ratio | x | 2.0 | 14.8 | 13.3% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 3.3 | 25.9% | |
| Dividend payout | % | 1.2 | 11.0 | 10.5% | |
| Avg Mkt Cap | Rs m | 77,040 | 214,968 | 35.8% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 12,790 | 6,694 | 191.1% | |
| 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 | 51,667 | 250.0% | |
| Other income | Rs m | 774 | 60 | 1,294.8% | |
| Interest expense | Rs m | 3,655 | 17,384 | 21.0% | |
| Net interest income | Rs m | 125,519 | 34,283 | 366.1% | |
| Operating expense | Rs m | 110,438 | 14,440 | 764.8% | |
| Gross profit | Rs m | 15,081 | 19,844 | 76.0% | |
| Gross profit margin | % | 11.7 | 38.4 | 30.4% | |
| Provisions/contingencies | Rs m | 1 | 32 | 2.3% | |
| Profit before tax | Rs m | 41,092 | 19,392 | 211.9% | |
| 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 | 4,933 | 130.2% | |
| Profit after tax | Rs m | 38,916 | 14,459 | 269.1% | |
| Net profit margin | % | 30.1 | 28.0 | 107.6% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 0 | 251,050 | 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 | 12.3 | 1,123.8% | |
| Net fixed assets | Rs m | 4,381 | 6,091 | 71.9% | |
| Share capital | Rs m | 113 | 1,594 | 7.1% | |
| Free reserves | Rs m | 90,442 | 63,794 | 141.8% | |
| Net worth | Rs m | 90,555 | 65,388 | 138.5% | |
| Borrowings | Rs m | 1,403 | 252 | 555.7% | |
| Investments | Rs m | 90,945 | 28,109 | 323.5% | |
| Total assets | Rs m | 104,372 | 300,100 | 34.8% | |
| Debt/equity ratio | x | 0 | 0 | 599.6% | |
| Return on assets | % | 37.3 | 4.8 | 773.9% | |
| Return on equity | % | 43.0 | 22.1 | 194.3% | |
| Capital adequacy ratio | % | 0 | 23.1 | 0.0% | |
| Net NPAs | % | 0 | 0.4 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 18,172 | -47,338 | -38.4% | |
| From Investments | Rs m | -12,602 | -9,942 | 126.8% | |
| From Financial Activity | Rs m | -5,899 | 54,939 | -10.7% | |
| Net Cashflow | Rs m | -1,651 | -2,341 | 70.5% | |
Share Holding
| Indian Promoters | % | 73.0 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 66.5 | - | |
| Indian inst/Mut Fund | % | 4.6 | 25.6 | 17.8% | |
| FIIs | % | 4.6 | 10.8 | 42.3% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 33.5 | 80.7% | |
| Shareholders | 21,119 | 103,928 | 20.3% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare BENGAL & ASSAM With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS AAVAS FINANCIERS
More on BENGAL & ASSAM vs CREDITACCESS GRAMEEN
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 CREDITACCESS GRAMEEN Share Price Performance
| Period | BENGAL & ASSAM | CREDITACCESS GRAMEEN |
|---|---|---|
| 1-Day | -2.52% | -2.32% |
| 1-Month | -7.57% | -14.97% |
| 1-Year | 14.86% | -50.23% |
| 3-Year CAGR | 66.40% | 15.01% |
| 5-Year CAGR | 50.52% | 2.12% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the CREDITACCESS GRAMEEN share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of CREDITACCESS GRAMEEN the stake stands at 66.5%.
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 CREDITACCESS GRAMEEN.
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%.
CREDITACCESS GRAMEEN paid Rs 10.0, and its dividend payout ratio stood at 11.0%.
You may visit here to review the dividend history of BENGAL & ASSAM, and the dividend history of CREDITACCESS GRAMEEN.
For a sector overview, read our finance sector report.
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