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- BENGAL & ASSAM - L&T FINANCE
BENGAL & ASSAM vs L&T FINANCE - Comparison Results
Current Valuations
| BENGAL & ASSAM | L&T FINANCE | BENGAL & ASSAM/ L&T FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.3 | 13.3 | 24.9% | View Chart |
| P/BV | x | 1.1 | 1.5 | 78.1% | View Chart |
| Dividend Yield | % | 0.4 | 1.8 | 23.9% |
Financials
 BENGAL & ASSAM  L&T FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-24 |
L&T FINANCE Mar-24 |
BENGAL & ASSAM/ L&T FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 10,389 | 179 | 5,803.9% | |
| Low | Rs | 3,251 | 82 | 3,945.4% | |
| Income per share (Unadj.) | Rs | 11,431.3 | 54.6 | 20,950.4% | |
| Earnings per share (Unadj.) | Rs | 3,443.9 | 9.3 | 36,944.8% | |
| Cash flow per share (Unadj.) | Rs | 13,785.3 | 41.0 | 33,622.4% | |
| Dividends per share (Unadj.) | Rs | 40.00 | 2.50 | 1,600.0% | |
| Avg Dividend yield | % | 0.6 | 1.9 | 30.7% | |
| Book value per share (Unadj.) | Rs | 8,013.7 | 93.7 | 8,549.8% | |
| Shares outstanding (eoy) | m | 11.30 | 2,488.94 | 0.5% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 2.4 | 24.9% | |
| Avg P/E ratio | x | 2.0 | 14.0 | 14.1% | |
| Avg P/CF ratio | x | 2.0 | 13.9 | 14.2% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 1.4 | 61.0% | |
| Dividend payout | % | 1.2 | 26.8 | 4.3% | |
| Avg Mkt Cap | Rs m | 77,040 | 325,304 | 23.7% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 12,790 | 18,064 | 70.8% | |
| 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 | 135,806 | 95.1% | |
| Other income | Rs m | 774 | 21,574 | 3.6% | |
| Interest expense | Rs m | 3,655 | 54,001 | 6.8% | |
| Net interest income | Rs m | 125,519 | 81,805 | 153.4% | |
| Operating expense | Rs m | 110,438 | 71,941 | 153.5% | |
| Gross profit | Rs m | 15,081 | 9,864 | 152.9% | |
| Gross profit margin | % | 11.7 | 7.3 | 160.7% | |
| Provisions/contingencies | Rs m | 1 | 214 | 0.3% | |
| Profit before tax | Rs m | 41,092 | 30,290 | 135.7% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -3,020 | 30 | -10,168.6% | |
| Prior Period Items | Rs m | 7,264 | 0 | - | |
| Tax | Rs m | 6,421 | 7,119 | 90.2% | |
| Profit after tax | Rs m | 38,916 | 23,201 | 167.7% | |
| Net profit margin | % | 30.1 | 17.1 | 176.3% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 0 | 813,594 | 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 | 8.6 | 1,597.8% | |
| Net fixed assets | Rs m | 4,381 | 5,194 | 84.3% | |
| Share capital | Rs m | 113 | 24,889 | 0.5% | |
| Free reserves | Rs m | 90,442 | 208,398 | 43.4% | |
| Net worth | Rs m | 90,555 | 233,288 | 38.8% | |
| Borrowings | Rs m | 1,403 | 224,028 | 0.6% | |
| Investments | Rs m | 90,945 | 133,480 | 68.1% | |
| Total assets | Rs m | 104,372 | 1,008,606 | 10.3% | |
| Debt/equity ratio | x | 0 | 1.0 | 2.4% | |
| Return on assets | % | 37.3 | 2.3 | 1,620.9% | |
| Return on equity | % | 43.0 | 9.9 | 432.1% | |
| Capital adequacy ratio | % | 0 | 22.8 | 0.0% | |
| Net NPAs | % | 0 | 1.7 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 18,172 | 6,735 | 269.8% | |
| From Investments | Rs m | -12,602 | 8,486 | -148.5% | |
| From Financial Activity | Rs m | -5,899 | -70,374 | 8.4% | |
| Net Cashflow | Rs m | -1,651 | -55,153 | 3.0% | |
Share Holding
| Indian Promoters | % | 73.0 | 66.3 | 110.1% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 4.6 | 19.1 | 23.9% | |
| FIIs | % | 4.6 | 6.7 | 67.6% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 33.7 | 80.1% | |
| Shareholders | 21,119 | 787,291 | 2.7% | ||
| 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 L&T 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 L&T FINANCE Share Price Performance
| Period | BENGAL & ASSAM | L&T FINANCE |
|---|---|---|
| 1-Day | -2.52% | -1.43% |
| 1-Month | -7.57% | -12.79% |
| 1-Year | 14.86% | -2.75% |
| 3-Year CAGR | 66.40% | 20.39% |
| 5-Year CAGR | 50.52% | 9.07% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the L&T FINANCE share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of L&T FINANCE the stake stands at 66.3%.
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 L&T 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%.
L&T FINANCE paid Rs 2.5, and its dividend payout ratio stood at 26.8%.
You may visit here to review the dividend history of BENGAL & ASSAM, and the dividend history of L&T FINANCE.
For a sector overview, read our finance sector report.
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