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- BENGAL & ASSAM - LIC HOUSING
BENGAL & ASSAM vs LIC HOUSING - Comparison Results
Current Valuations
| BENGAL & ASSAM | LIC HOUSING | BENGAL & ASSAM/ LIC HOUSING |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.3 | 6.9 | 48.2% | View Chart |
| P/BV | x | 1.1 | 1.1 | 107.7% | View Chart |
| Dividend Yield | % | 0.4 | 1.5 | 29.5% |
Financials
 BENGAL & ASSAM  LIC HOUSING |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-24 |
LIC HOUSING Mar-24 |
BENGAL & ASSAM/ LIC HOUSING |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 10,389 | 672 | 1,546.6% | |
| Low | Rs | 3,251 | 324 | 1,002.8% | |
| Income per share (Unadj.) | Rs | 11,431.3 | 495.9 | 2,305.2% | |
| Earnings per share (Unadj.) | Rs | 3,443.9 | 86.6 | 3,977.2% | |
| Cash flow per share (Unadj.) | Rs | 13,785.3 | 160.5 | 8,590.5% | |
| Dividends per share (Unadj.) | Rs | 40.00 | 9.00 | 444.4% | |
| Avg Dividend yield | % | 0.6 | 1.8 | 32.5% | |
| Book value per share (Unadj.) | Rs | 8,013.7 | 572.2 | 1,400.4% | |
| Shares outstanding (eoy) | m | 11.30 | 550.06 | 2.1% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 1.0 | 59.4% | |
| Avg P/E ratio | x | 2.0 | 5.8 | 34.4% | |
| Avg P/CF ratio | x | 2.0 | 5.8 | 34.4% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 0.9 | 97.8% | |
| Dividend payout | % | 1.2 | 10.4 | 11.2% | |
| Avg Mkt Cap | Rs m | 77,040 | 273,918 | 28.1% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 12,790 | 6,496 | 196.9% | |
| 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 | 272,770 | 47.4% | |
| Other income | Rs m | 774 | 8 | 9,328.9% | |
| Interest expense | Rs m | 3,655 | 183,851 | 2.0% | |
| Net interest income | Rs m | 125,519 | 88,919 | 141.2% | |
| Operating expense | Rs m | 110,438 | 27,591 | 400.3% | |
| Gross profit | Rs m | 15,081 | 61,328 | 24.6% | |
| Gross profit margin | % | 11.7 | 22.5 | 51.9% | |
| Provisions/contingencies | Rs m | 1 | 0 | - | |
| Profit before tax | Rs m | 41,092 | 60,644 | 67.8% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -3,020 | -4 | 86,287.7% | |
| Prior Period Items | Rs m | 7,264 | 38 | 19,319.8% | |
| Tax | Rs m | 6,421 | 13,048 | 49.2% | |
| Profit after tax | Rs m | 38,916 | 47,630 | 81.7% | |
| Net profit margin | % | 30.1 | 17.5 | 172.5% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 0 | 2,805,182 | 0.0% | |
| Deposits | Rs m | 75 | 39,503 | 0.2% | |
| Credit/Deposit ratio | x | 0 | 7,101.2 | 0.0% | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 19.5 | 0.0% | |
| Net Interest Margin | % | 138.0 | 3.1 | 4,464.3% | |
| Net fixed assets | Rs m | 4,381 | 3,596 | 121.8% | |
| Share capital | Rs m | 113 | 1,101 | 10.3% | |
| Free reserves | Rs m | 90,442 | 313,666 | 28.8% | |
| Net worth | Rs m | 90,555 | 314,767 | 28.8% | |
| Borrowings | Rs m | 1,403 | 280,677 | 0.5% | |
| Investments | Rs m | 90,945 | 71,023 | 128.1% | |
| Total assets | Rs m | 104,372 | 2,896,952 | 3.6% | |
| Debt/equity ratio | x | 0 | 1.0 | 2.3% | |
| Return on assets | % | 37.3 | 1.6 | 2,267.8% | |
| Return on equity | % | 43.0 | 15.1 | 284.0% | |
| Capital adequacy ratio | % | 0 | 20.8 | 0.0% | |
| Net NPAs | % | 0 | 1.6 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 18,172 | -71,510 | -25.4% | |
| From Investments | Rs m | -12,602 | 5,869 | -214.7% | |
| From Financial Activity | Rs m | -5,899 | 73,456 | -8.0% | |
| Net Cashflow | Rs m | -1,651 | 7,814 | -21.1% | |
Share Holding
| Indian Promoters | % | 73.0 | 45.2 | 161.4% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 4.6 | 42.5 | 10.7% | |
| FIIs | % | 4.6 | 22.0 | 20.7% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 54.8 | 49.3% | |
| Shareholders | 21,119 | 361,857 | 5.8% | ||
| 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 LIC Housing
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 LIC Housing Share Price Performance
| Period | BENGAL & ASSAM | LIC Housing |
|---|---|---|
| 1-Day | -2.52% | -0.71% |
| 1-Month | -7.57% | 0.52% |
| 1-Year | 14.86% | 32.18% |
| 3-Year CAGR | 66.40% | 15.63% |
| 5-Year CAGR | 50.52% | 8.16% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the LIC Housing share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of LIC Housing the stake stands at 45.2%.
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 LIC Housing.
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%.
LIC Housing paid Rs 9.0, and its dividend payout ratio stood at 10.4%.
You may visit here to review the dividend history of BENGAL & ASSAM, and the dividend history of LIC Housing.
For a sector overview, read our finance sector report.
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