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- BENGAL & ASSAM - INDIA HOME LOANS
BENGAL & ASSAM vs INDIA HOME LOANS - Comparison Results
Current Valuations
| BENGAL & ASSAM | INDIA HOME LOANS | BENGAL & ASSAM/ INDIA HOME LOANS |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.3 | -14.0 | - | View Chart |
| P/BV | x | 1.1 | 1.1 | 108.7% | View Chart |
| Dividend Yield | % | 0.4 | 0.0 | - |
Financials
 BENGAL & ASSAM  INDIA HOME LOANS |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-24 |
INDIA HOME LOANS Mar-24 |
BENGAL & ASSAM/ INDIA HOME LOANS |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 10,389 | 48 | 21,871.5% | |
| Low | Rs | 3,251 | 23 | 14,134.8% | |
| Income per share (Unadj.) | Rs | 11,431.3 | 8.4 | 135,829.2% | |
| Earnings per share (Unadj.) | Rs | 3,443.9 | -2.4 | -142,753.0% | |
| Cash flow per share (Unadj.) | Rs | 13,785.3 | -847.1 | -1,627.4% | |
| Dividends per share (Unadj.) | Rs | 40.00 | 0 | - | |
| Avg Dividend yield | % | 0.6 | 0 | - | |
| Book value per share (Unadj.) | Rs | 8,013.7 | 28.9 | 27,775.0% | |
| Shares outstanding (eoy) | m | 11.30 | 14.28 | 79.1% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 4.2 | 14.2% | |
| Avg P/E ratio | x | 2.0 | -14.6 | -13.5% | |
| Avg P/CF ratio | x | 2.0 | 0 | 4,759.4% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 1.2 | 69.6% | |
| Dividend payout | % | 1.2 | 0 | - | |
| Avg Mkt Cap | Rs m | 77,040 | 503 | 15,303.0% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 12,790 | 28 | 45,435.4% | |
| 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 | 120 | 107,483.9% | |
| Other income | Rs m | 774 | 18 | 4,273.2% | |
| Interest expense | Rs m | 3,655 | 95 | 3,842.6% | |
| Net interest income | Rs m | 125,519 | 25 | 501,072.4% | |
| Operating expense | Rs m | 110,438 | 75 | 147,250.3% | |
| Gross profit | Rs m | 15,081 | -50 | -30,198.0% | |
| Gross profit margin | % | 11.7 | -41.6 | -28.1% | |
| Provisions/contingencies | Rs m | 1 | 12,138 | 0.0% | |
| Profit before tax | Rs m | 41,092 | -34 | -121,972.0% | |
| 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 | 856,114.7% | |
| Profit after tax | Rs m | 38,916 | -34 | -112,962.8% | |
| Net profit margin | % | 30.1 | -28.7 | -105.1% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 0 | 558 | 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 | 4.4 | 3,140.6% | |
| Net fixed assets | Rs m | 4,381 | 3 | 151,581.0% | |
| Share capital | Rs m | 113 | 143 | 79.1% | |
| Free reserves | Rs m | 90,442 | 269 | 33,597.8% | |
| Net worth | Rs m | 90,555 | 412 | 21,978.8% | |
| Borrowings | Rs m | 1,403 | 0 | - | |
| Investments | Rs m | 90,945 | 12 | 729,892.6% | |
| Total assets | Rs m | 104,372 | 1,040 | 10,035.8% | |
| Debt/equity ratio | x | 0 | 0 | - | |
| Return on assets | % | 37.3 | -3.3 | -1,125.7% | |
| Return on equity | % | 43.0 | -8.4 | -514.0% | |
| Capital adequacy ratio | % | 0 | 70.9 | 0.0% | |
| Net NPAs | % | 0 | 2.6 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 18,172 | 309 | 5,873.8% | |
| From Investments | Rs m | -12,602 | 32 | -38,847.6% | |
| From Financial Activity | Rs m | -5,899 | -340 | 1,732.7% | |
| Net Cashflow | Rs m | -1,651 | 1 | -122,291.9% | |
Share Holding
| Indian Promoters | % | 73.0 | 39.0 | 187.3% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 4.6 | 24.6 | 18.6% | |
| FIIs | % | 4.6 | 0.0 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 61.0 | 44.2% | |
| Shareholders | 21,119 | 3,678 | 574.2% | ||
| 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 INDIA HOME LOANS
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 INDIA HOME LOANS Share Price Performance
| Period | BENGAL & ASSAM | INDIA HOME LOANS |
|---|---|---|
| 1-Day | -2.52% | -5.39% |
| 1-Month | -7.57% | -10.26% |
| 1-Year | 14.86% | 12.08% |
| 3-Year CAGR | 66.40% | -3.96% |
| 5-Year CAGR | 50.52% | -9.67% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the INDIA HOME LOANS share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of INDIA HOME LOANS the stake stands at 39.0%.
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 INDIA HOME LOANS.
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%.
INDIA HOME LOANS paid Rs 0.0, and its dividend payout ratio stood at -0.0%.
You may visit here to review the dividend history of BENGAL & ASSAM, and the dividend history of INDIA HOME LOANS.
For a sector overview, read our finance sector report.
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