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- BENGAL & ASSAM - HOME FIRST FINANCE
BENGAL & ASSAM vs HOME FIRST FINANCE - Comparison Results
Current Valuations
| BENGAL & ASSAM | HOME FIRST FINANCE | BENGAL & ASSAM/ HOME FIRST FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.4 | 28.3 | 11.9% | View Chart |
| P/BV | x | 1.2 | 4.7 | 25.0% | View Chart |
| Dividend Yield | % | 0.4 | 0.3 | 136.8% |
Financials
 BENGAL & ASSAM  HOME FIRST FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-24 |
HOME FIRST FINANCE Mar-24 |
BENGAL & ASSAM/ HOME FIRST FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 10,389 | 1,059 | 981.2% | |
| Low | Rs | 3,251 | 686 | 474.0% | |
| Income per share (Unadj.) | Rs | 11,431.3 | 128.5 | 8,896.3% | |
| Earnings per share (Unadj.) | Rs | 3,443.9 | 34.5 | 9,971.7% | |
| Cash flow per share (Unadj.) | Rs | 13,785.3 | 58.7 | 23,480.3% | |
| Dividends per share (Unadj.) | Rs | 40.00 | 3.40 | 1,176.5% | |
| Avg Dividend yield | % | 0.6 | 0.4 | 150.5% | |
| Book value per share (Unadj.) | Rs | 8,013.7 | 235.3 | 3,406.4% | |
| Shares outstanding (eoy) | m | 11.30 | 88.52 | 12.8% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 6.8 | 8.8% | |
| Avg P/E ratio | x | 2.0 | 25.3 | 7.8% | |
| Avg P/CF ratio | x | 2.0 | 18.0 | 11.0% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 3.7 | 22.9% | |
| Dividend payout | % | 1.2 | 9.8 | 11.8% | |
| Avg Mkt Cap | Rs m | 77,040 | 77,217 | 99.8% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 12,790 | 1,483 | 862.2% | |
| 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 | 11,374 | 1,135.7% | |
| Other income | Rs m | 774 | 191 | 405.4% | |
| Interest expense | Rs m | 3,655 | 5,030 | 72.7% | |
| Net interest income | Rs m | 125,519 | 6,345 | 1,978.3% | |
| Operating expense | Rs m | 110,438 | 2,419 | 4,565.4% | |
| Gross profit | Rs m | 15,081 | 3,926 | 384.1% | |
| Gross profit margin | % | 11.7 | 34.5 | 33.8% | |
| Provisions/contingencies | Rs m | 1 | 1,222 | 0.1% | |
| Profit before tax | Rs m | 41,092 | 4,000 | 1,027.4% | |
| 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 | 942 | 681.3% | |
| Profit after tax | Rs m | 38,916 | 3,057 | 1,272.9% | |
| Net profit margin | % | 30.1 | 26.9 | 112.1% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 0 | 67,484 | 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 | 7.4 | 1,853.9% | |
| Net fixed assets | Rs m | 4,381 | 300 | 1,458.8% | |
| Share capital | Rs m | 113 | 177 | 63.8% | |
| Free reserves | Rs m | 90,442 | 20,648 | 438.0% | |
| Net worth | Rs m | 90,555 | 20,825 | 434.8% | |
| Borrowings | Rs m | 1,403 | 58 | 2,419.4% | |
| Investments | Rs m | 90,945 | 17,744 | 512.5% | |
| Total assets | Rs m | 104,372 | 96,490 | 108.2% | |
| Debt/equity ratio | x | 0 | 0 | 831.5% | |
| Return on assets | % | 37.3 | 3.2 | 1,176.8% | |
| Return on equity | % | 43.0 | 14.7 | 292.7% | |
| Capital adequacy ratio | % | 0 | 39.5 | 0.0% | |
| Net NPAs | % | 0 | 1.2 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 18,172 | -19,077 | -95.3% | |
| From Investments | Rs m | -12,602 | -2,174 | 579.7% | |
| From Financial Activity | Rs m | -5,899 | 24,700 | -23.9% | |
| Net Cashflow | Rs m | -1,651 | 3,449 | -47.9% | |
Share Holding
| Indian Promoters | % | 73.0 | 14.1 | 518.9% | |
| Foreign collaborators | % | 0.0 | 9.3 | - | |
| Indian inst/Mut Fund | % | 4.6 | 38.0 | 12.0% | |
| FIIs | % | 4.6 | 25.5 | 17.8% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 76.6 | 35.2% | |
| Shareholders | 21,119 | 78,604 | 26.9% | ||
| 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 HOME FIRST 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 HOME FIRST FINANCE Share Price Performance
| Period | BENGAL & ASSAM | HOME FIRST FINANCE |
|---|---|---|
| 1-Day | 1.41% | 1.56% |
| 1-Month | -6.33% | -1.52% |
| 1-Year | 16.22% | 18.94% |
| 3-Year CAGR | 67.18% | 12.28% |
| 5-Year CAGR | 50.42% | 15.57% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the HOME FIRST FINANCE share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of HOME FIRST FINANCE the stake stands at 23.4%.
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 HOME FIRST 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%.
HOME FIRST FINANCE paid Rs 3.4, and its dividend payout ratio stood at 9.8%.
You may visit here to review the dividend history of BENGAL & ASSAM, and the dividend history of HOME FIRST FINANCE.
For a sector overview, read our finance sector report.
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