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- BENGAL & ASSAM - FUSION MICRO FINANCE
BENGAL & ASSAM vs FUSION MICRO FINANCE - Comparison Results
Current Valuations
| BENGAL & ASSAM | FUSION MICRO FINANCE | BENGAL & ASSAM/ FUSION MICRO FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.3 | -21.9 | - | View Chart |
| P/BV | x | 1.1 | 0.6 | 182.2% | View Chart |
| Dividend Yield | % | 0.4 | 0.0 | - |
Financials
 BENGAL & ASSAM  FUSION MICRO FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-24 |
FUSION MICRO FINANCE Mar-24 |
BENGAL & ASSAM/ FUSION MICRO FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 10,389 | 690 | 1,505.3% | |
| Low | Rs | 3,251 | 395 | 823.0% | |
| Income per share (Unadj.) | Rs | 11,431.3 | 229.3 | 4,984.6% | |
| Earnings per share (Unadj.) | Rs | 3,443.9 | 50.0 | 6,885.1% | |
| Cash flow per share (Unadj.) | Rs | 13,785.3 | 159.5 | 8,641.4% | |
| Dividends per share (Unadj.) | Rs | 40.00 | 0 | - | |
| Avg Dividend yield | % | 0.6 | 0 | - | |
| Book value per share (Unadj.) | Rs | 8,013.7 | 280.1 | 2,861.0% | |
| Shares outstanding (eoy) | m | 11.30 | 101.02 | 11.2% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 2.4 | 25.2% | |
| Avg P/E ratio | x | 2.0 | 10.8 | 18.2% | |
| Avg P/CF ratio | x | 2.0 | 10.8 | 18.3% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 1.9 | 43.9% | |
| Dividend payout | % | 1.2 | 0 | - | |
| Avg Mkt Cap | Rs m | 77,040 | 54,813 | 140.6% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 12,790 | 4,312 | 296.6% | |
| 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 | 23,167 | 557.6% | |
| Other income | Rs m | 774 | 957 | 80.9% | |
| Interest expense | Rs m | 3,655 | 7,908 | 46.2% | |
| Net interest income | Rs m | 125,519 | 15,259 | 822.6% | |
| Operating expense | Rs m | 110,438 | 9,493 | 1,163.3% | |
| Gross profit | Rs m | 15,081 | 5,766 | 261.6% | |
| Gross profit margin | % | 11.7 | 24.9 | 46.9% | |
| Provisions/contingencies | Rs m | 1 | 11 | 7.0% | |
| Profit before tax | Rs m | 41,092 | 6,633 | 619.6% | |
| 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 | 1,580 | 406.5% | |
| Profit after tax | Rs m | 38,916 | 5,053 | 770.2% | |
| Net profit margin | % | 30.1 | 21.8 | 138.1% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 0 | 99,479 | 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 | 15.3 | 900.9% | |
| Net fixed assets | Rs m | 4,381 | 314 | 1,393.3% | |
| Share capital | Rs m | 113 | 1,006 | 11.2% | |
| Free reserves | Rs m | 90,442 | 27,290 | 331.4% | |
| Net worth | Rs m | 90,555 | 28,296 | 320.0% | |
| Borrowings | Rs m | 1,403 | 0 | - | |
| Investments | Rs m | 90,945 | 123 | 73,998.9% | |
| Total assets | Rs m | 104,372 | 116,827 | 89.3% | |
| Debt/equity ratio | x | 0 | 0 | - | |
| Return on assets | % | 37.3 | 4.3 | 862.1% | |
| Return on equity | % | 43.0 | 17.9 | 240.7% | |
| Capital adequacy ratio | % | 0 | 27.5 | 0.0% | |
| Net NPAs | % | 0 | 0.6 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 18,172 | -13,503 | -134.6% | |
| From Investments | Rs m | -12,602 | 315 | -4,003.2% | |
| From Financial Activity | Rs m | -5,899 | 18,432 | -32.0% | |
| Net Cashflow | Rs m | -1,651 | 5,243 | -31.5% | |
Share Holding
| Indian Promoters | % | 73.0 | 5.1 | 1,431.6% | |
| Foreign collaborators | % | 0.0 | 52.6 | - | |
| Indian inst/Mut Fund | % | 4.6 | 22.0 | 20.7% | |
| FIIs | % | 4.6 | 2.8 | 161.3% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 42.3 | 63.8% | |
| Shareholders | 21,119 | 77,706 | 27.2% | ||
| Pledged promoter(s) holding | % | 0.0 | 50.7 | - |
Compare BENGAL & ASSAM With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS AAVAS FINANCIERS
More on BENGAL & ASSAM vs FUSION MICRO 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 FUSION MICRO FINANCE Share Price Performance
| Period | BENGAL & ASSAM | FUSION MICRO FINANCE |
|---|---|---|
| 1-Day | -2.52% | 4.21% |
| 1-Month | -7.57% | -12.48% |
| 1-Year | 14.86% | -70.18% |
| 3-Year CAGR | 66.40% | -18.36% |
| 5-Year CAGR | 50.52% | -11.46% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the FUSION MICRO FINANCE share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of FUSION MICRO FINANCE the stake stands at 57.7%.
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 FUSION MICRO 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%.
FUSION MICRO FINANCE 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 FUSION MICRO FINANCE.
For a sector overview, read our finance sector report.
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