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- BENGAL & ASSAM - MAS FINANCIAL SERVICES
BENGAL & ASSAM vs MAS FINANCIAL SERVICES - Comparison Results
Current Valuations
| BENGAL & ASSAM | MAS FINANCIAL SERVICES | BENGAL & ASSAM/ MAS FINANCIAL SERVICES |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.3 | 17.7 | 18.8% | View Chart |
| P/BV | x | 1.1 | 2.8 | 40.7% | View Chart |
| Dividend Yield | % | 0.4 | 1.3 | 34.3% |
Financials
 BENGAL & ASSAM  MAS FINANCIAL SERVICES |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-24 |
MAS FINANCIAL SERVICES Mar-24 |
BENGAL & ASSAM/ MAS FINANCIAL SERVICES |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 10,389 | 1,025 | 1,013.6% | |
| Low | Rs | 3,251 | 227 | 1,434.2% | |
| Income per share (Unadj.) | Rs | 11,431.3 | 78.0 | 14,655.1% | |
| Earnings per share (Unadj.) | Rs | 3,443.9 | 15.3 | 22,495.9% | |
| Cash flow per share (Unadj.) | Rs | 13,785.3 | 37.4 | 36,876.8% | |
| Dividends per share (Unadj.) | Rs | 40.00 | 3.51 | 1,139.6% | |
| Avg Dividend yield | % | 0.6 | 0.6 | 104.6% | |
| Book value per share (Unadj.) | Rs | 8,013.7 | 108.7 | 7,371.7% | |
| Shares outstanding (eoy) | m | 11.30 | 163.99 | 6.9% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 8.0 | 7.4% | |
| Avg P/E ratio | x | 2.0 | 40.9 | 4.8% | |
| Avg P/CF ratio | x | 2.0 | 39.4 | 5.0% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 5.8 | 14.8% | |
| Dividend payout | % | 1.2 | 22.9 | 5.1% | |
| Avg Mkt Cap | Rs m | 77,040 | 102,628 | 75.1% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 12,790 | 1,005 | 1,273.3% | |
| 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 | 12,792 | 1,009.8% | |
| Other income | Rs m | 774 | 71 | 1,092.1% | |
| Interest expense | Rs m | 3,655 | 6,564 | 55.7% | |
| Net interest income | Rs m | 125,519 | 6,228 | 2,015.5% | |
| Operating expense | Rs m | 110,438 | 2,859 | 3,862.8% | |
| Gross profit | Rs m | 15,081 | 3,369 | 447.7% | |
| Gross profit margin | % | 11.7 | 26.3 | 44.3% | |
| Provisions/contingencies | Rs m | 1 | 96 | 0.8% | |
| Profit before tax | Rs m | 41,092 | 3,397 | 1,209.8% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -3,020 | -30 | 10,202.9% | |
| Prior Period Items | Rs m | 7,264 | 0 | - | |
| Tax | Rs m | 6,421 | 857 | 749.6% | |
| Profit after tax | Rs m | 38,916 | 2,511 | 1,550.1% | |
| Net profit margin | % | 30.1 | 19.6 | 153.5% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 0 | 77,194 | 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 | 1,871.7% | |
| Net fixed assets | Rs m | 4,381 | 254 | 1,722.6% | |
| Share capital | Rs m | 113 | 1,640 | 6.9% | |
| Free reserves | Rs m | 90,442 | 16,187 | 558.7% | |
| Net worth | Rs m | 90,555 | 17,827 | 508.0% | |
| Borrowings | Rs m | 1,403 | 11,145 | 12.6% | |
| Investments | Rs m | 90,945 | 7,262 | 1,252.4% | |
| Total assets | Rs m | 104,372 | 96,165 | 108.5% | |
| Debt/equity ratio | x | 0 | 0.6 | 3.7% | |
| Return on assets | % | 37.3 | 2.6 | 1,428.2% | |
| Return on equity | % | 43.0 | 14.1 | 305.2% | |
| Capital adequacy ratio | % | 0 | 24.1 | 0.0% | |
| Net NPAs | % | 0 | 1.5 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 18,172 | -13,661 | -133.0% | |
| From Investments | Rs m | -12,602 | 501 | -2,516.4% | |
| From Financial Activity | Rs m | -5,899 | 12,900 | -45.7% | |
| Net Cashflow | Rs m | -1,651 | -260 | 635.0% | |
Share Holding
| Indian Promoters | % | 73.0 | 66.6 | 109.6% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 4.6 | 23.0 | 19.9% | |
| FIIs | % | 4.6 | 2.7 | 167.3% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 33.4 | 80.9% | |
| Shareholders | 21,119 | 50,510 | 41.8% | ||
| 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 MAS FINANCIAL SERVICES
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 MAS FINANCIAL SERVICES Share Price Performance
| Period | BENGAL & ASSAM | MAS FINANCIAL SERVICES |
|---|---|---|
| 1-Day | -2.52% | -5.12% |
| 1-Month | -7.57% | -6.49% |
| 1-Year | 14.86% | -7.98% |
| 3-Year CAGR | 66.40% | 5.72% |
| 5-Year CAGR | 50.52% | 2.86% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the MAS FINANCIAL SERVICES share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of MAS FINANCIAL SERVICES the stake stands at 66.6%.
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 MAS FINANCIAL SERVICES.
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%.
MAS FINANCIAL SERVICES paid Rs 3.5, and its dividend payout ratio stood at 22.9%.
You may visit here to review the dividend history of BENGAL & ASSAM, and the dividend history of MAS FINANCIAL SERVICES.
For a sector overview, read our finance sector report.
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