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- BENGAL & ASSAM - CHOLAMANDALAM INVEST
BENGAL & ASSAM vs CHOLAMANDALAM INVEST - Comparison Results
Current Valuations
| BENGAL & ASSAM | CHOLAMANDALAM INVEST | BENGAL & ASSAM/ CHOLAMANDALAM INVEST |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.4 | 26.5 | 12.7% | View Chart |
| P/BV | x | 1.2 | 5.2 | 22.3% | View Chart |
| Dividend Yield | % | 0.4 | 0.2 | 258.8% |
Financials
 BENGAL & ASSAM  CHOLAMANDALAM INVEST |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-24 |
CHOLAMANDALAM INVEST Mar-24 |
BENGAL & ASSAM/ CHOLAMANDALAM INVEST |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 10,389 | 1,310 | 793.2% | |
| Low | Rs | 3,251 | 763 | 425.9% | |
| Income per share (Unadj.) | Rs | 11,431.3 | 227.9 | 5,016.8% | |
| Earnings per share (Unadj.) | Rs | 3,443.9 | 40.7 | 8,458.2% | |
| Cash flow per share (Unadj.) | Rs | 13,785.3 | 118.9 | 11,598.8% | |
| Dividends per share (Unadj.) | Rs | 40.00 | 2.00 | 2,000.0% | |
| Avg Dividend yield | % | 0.6 | 0.2 | 304.0% | |
| Book value per share (Unadj.) | Rs | 8,013.7 | 231.6 | 3,460.3% | |
| Shares outstanding (eoy) | m | 11.30 | 839.97 | 1.3% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 4.5 | 13.1% | |
| Avg P/E ratio | x | 2.0 | 25.5 | 7.8% | |
| Avg P/CF ratio | x | 2.0 | 25.3 | 7.8% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 4.5 | 19.0% | |
| Dividend payout | % | 1.2 | 4.9 | 23.6% | |
| Avg Mkt Cap | Rs m | 77,040 | 870,691 | 8.8% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 12,790 | 24,786 | 51.6% | |
| 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 | 191,396 | 67.5% | |
| Other income | Rs m | 774 | 2,824 | 27.4% | |
| Interest expense | Rs m | 3,655 | 92,308 | 4.0% | |
| Net interest income | Rs m | 125,519 | 99,089 | 126.7% | |
| Operating expense | Rs m | 110,438 | 53,879 | 205.0% | |
| Gross profit | Rs m | 15,081 | 45,210 | 33.4% | |
| Gross profit margin | % | 11.7 | 23.6 | 49.4% | |
| Provisions/contingencies | Rs m | 1 | 194 | 0.4% | |
| Profit before tax | Rs m | 41,092 | 46,053 | 89.2% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -3,020 | 0 | - | |
| Prior Period Items | Rs m | 7,264 | 93 | 7,794.3% | |
| Tax | Rs m | 6,421 | 11,946 | 53.8% | |
| Profit after tax | Rs m | 38,916 | 34,201 | 113.8% | |
| Net profit margin | % | 30.1 | 17.9 | 168.6% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 0 | 1,444,627 | 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 | 6.6 | 2,076.3% | |
| Net fixed assets | Rs m | 4,381 | 15,632 | 28.0% | |
| Share capital | Rs m | 113 | 1,681 | 6.7% | |
| Free reserves | Rs m | 90,442 | 192,848 | 46.9% | |
| Net worth | Rs m | 90,555 | 194,529 | 46.6% | |
| Borrowings | Rs m | 1,403 | 70,351 | 2.0% | |
| Investments | Rs m | 90,945 | 46,026 | 197.6% | |
| Total assets | Rs m | 104,372 | 1,560,306 | 6.7% | |
| Debt/equity ratio | x | 0 | 0.4 | 6.4% | |
| Return on assets | % | 37.3 | 2.2 | 1,701.0% | |
| Return on equity | % | 43.0 | 17.6 | 244.4% | |
| Capital adequacy ratio | % | 0 | 18.6 | 0.0% | |
| Net NPAs | % | 0 | 2.3 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 18,172 | -356,829 | -5.1% | |
| From Investments | Rs m | -12,602 | -28,546 | 44.1% | |
| From Financial Activity | Rs m | -5,899 | 384,712 | -1.5% | |
| Net Cashflow | Rs m | -1,651 | -662 | 249.3% | |
Share Holding
| Indian Promoters | % | 73.0 | 50.1 | 145.8% | |
| Foreign collaborators | % | 0.0 | 0.1 | - | |
| Indian inst/Mut Fund | % | 4.6 | 43.8 | 10.4% | |
| FIIs | % | 4.6 | 27.2 | 16.8% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 49.8 | 54.2% | |
| Shareholders | 21,119 | 146,889 | 14.4% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare BENGAL & ASSAM With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT SBI CARDS MANAPPURAM FINANCE TATA INVESTMENT
More on BENGAL & ASSAM vs Cholamandalam Invest
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 Cholamandalam Invest Share Price Performance
| Period | BENGAL & ASSAM | Cholamandalam Invest |
|---|---|---|
| 1-Day | 1.41% | 0.39% |
| 1-Month | -6.33% | -14.33% |
| 1-Year | 16.22% | 7.90% |
| 3-Year CAGR | 67.18% | 26.63% |
| 5-Year CAGR | 50.42% | 30.94% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the Cholamandalam Invest share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of Cholamandalam Invest the stake stands at 50.2%.
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 Cholamandalam Invest.
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%.
Cholamandalam Invest paid Rs 2.0, and its dividend payout ratio stood at 4.9%.
You may visit here to review the dividend history of BENGAL & ASSAM, and the dividend history of Cholamandalam Invest.
For a sector overview, read our finance sector report.
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