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- BENGAL & ASSAM - GRUH FINANCE
BENGAL & ASSAM vs GRUH FINANCE - Comparison Results
Current Valuations
| BENGAL & ASSAM | GRUH FINANCE | BENGAL & ASSAM/ GRUH FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.3 | 52.0 | 6.4% | View Chart |
| P/BV | x | 1.1 | 12.4 | 9.3% | View Chart |
| Dividend Yield | % | 0.4 | 0.6 | 68.8% |
Financials
 BENGAL & ASSAM  GRUH FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-24 |
GRUH FINANCE Mar-19 |
BENGAL & ASSAM/ GRUH FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 10,389 | 382 | 2,720.0% | |
| Low | Rs | 3,251 | 205 | 1,589.0% | |
| Income per share (Unadj.) | Rs | 11,431.3 | 27.6 | 41,393.2% | |
| Earnings per share (Unadj.) | Rs | 3,443.9 | 6.1 | 56,501.1% | |
| Cash flow per share (Unadj.) | Rs | 13,785.3 | 10.1 | 136,088.7% | |
| Dividends per share (Unadj.) | Rs | 40.00 | 2.00 | 2,000.0% | |
| Avg Dividend yield | % | 0.6 | 0.7 | 86.0% | |
| Book value per share (Unadj.) | Rs | 8,013.7 | 25.6 | 31,258.9% | |
| Shares outstanding (eoy) | m | 11.30 | 733.69 | 1.5% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 10.6 | 5.6% | |
| Avg P/E ratio | x | 2.0 | 48.1 | 4.1% | |
| Avg P/CF ratio | x | 2.0 | 48.1 | 4.1% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 11.4 | 7.4% | |
| Dividend payout | % | 1.2 | 32.8 | 3.5% | |
| Avg Mkt Cap | Rs m | 77,040 | 215,172 | 35.8% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 12,790 | 648 | 1,975.0% | |
| 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 | 20,262 | 637.5% | |
| Other income | Rs m | 774 | 216 | 358.3% | |
| Interest expense | Rs m | 3,655 | 13,012 | 28.1% | |
| Net interest income | Rs m | 125,519 | 7,250 | 1,731.3% | |
| Operating expense | Rs m | 110,438 | 1,282 | 8,617.2% | |
| Gross profit | Rs m | 15,081 | 5,968 | 252.7% | |
| Gross profit margin | % | 11.7 | 29.5 | 39.6% | |
| Provisions/contingencies | Rs m | 1 | 0 | - | |
| Profit before tax | Rs m | 41,092 | 6,150 | 668.1% | |
| 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 | 1,678 | 382.6% | |
| Profit after tax | Rs m | 38,916 | 4,472 | 870.2% | |
| Net profit margin | % | 30.1 | 22.1 | 136.5% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 0 | 172,883 | 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 | 3.9 | 3,499.5% | |
| Net fixed assets | Rs m | 4,381 | 151 | 2,893.5% | |
| Share capital | Rs m | 113 | 1,467 | 7.7% | |
| Free reserves | Rs m | 90,442 | 17,342 | 521.5% | |
| Net worth | Rs m | 90,555 | 18,809 | 481.4% | |
| Borrowings | Rs m | 1,403 | 150,129 | 0.9% | |
| Investments | Rs m | 90,945 | 10,945 | 830.9% | |
| Total assets | Rs m | 104,372 | 195,417 | 53.4% | |
| Debt/equity ratio | x | 0 | 8.0 | 0.3% | |
| Return on assets | % | 37.3 | 2.3 | 1,629.3% | |
| Return on equity | % | 43.0 | 23.8 | 180.8% | |
| Capital adequacy ratio | % | 0 | 20.3 | 0.0% | |
| Net NPAs | % | 0 | 0.4 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 18,172 | -14,322 | -126.9% | |
| From Investments | Rs m | -12,602 | 491 | -2,566.1% | |
| From Financial Activity | Rs m | -5,899 | 24,184 | -24.4% | |
| Net Cashflow | Rs m | -1,651 | 10,354 | -15.9% | |
Share Holding
| Indian Promoters | % | 73.0 | 47.4 | 153.9% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 4.6 | 30.8 | 14.8% | |
| FIIs | % | 4.6 | 18.7 | 24.3% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 52.6 | 51.3% | |
| Shareholders | 21,119 | 72,213 | 29.2% | ||
| 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 GRUH 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 GRUH FINANCE Share Price Performance
| Period | BENGAL & ASSAM | GRUH FINANCE |
|---|---|---|
| 1-Day | -2.52% | 3.73% |
| 1-Month | -7.57% | 27.02% |
| 1-Year | 14.86% | 13.06% |
| 3-Year CAGR | 66.40% | 23.04% |
| 5-Year CAGR | 50.52% | 27.87% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the GRUH FINANCE share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of GRUH FINANCE the stake stands at 47.4%.
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 GRUH 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%.
GRUH FINANCE paid Rs 2.0, and its dividend payout ratio stood at 32.8%.
You may visit here to review the dividend history of BENGAL & ASSAM, and the dividend history of GRUH FINANCE.
For a sector overview, read our finance sector report.
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