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- BENGAL & ASSAM - SAINIK FINANCE
BENGAL & ASSAM vs SAINIK FINANCE - Comparison Results
Current Valuations
| BENGAL & ASSAM | SAINIK FINANCE | BENGAL & ASSAM/ SAINIK FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.4 | 20.0 | 16.8% | View Chart |
| P/BV | x | 1.2 | 1.2 | 99.0% | View Chart |
| Dividend Yield | % | 0.4 | 0.0 | - |
Financials
 BENGAL & ASSAM  SAINIK FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-24 |
SAINIK FINANCE Mar-24 |
BENGAL & ASSAM/ SAINIK FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 10,389 | 59 | 17,608.4% | |
| Low | Rs | 3,251 | 21 | 15,781.6% | |
| Income per share (Unadj.) | Rs | 11,431.3 | 14.0 | 81,561.4% | |
| Earnings per share (Unadj.) | Rs | 3,443.9 | 1.8 | 186,879.1% | |
| Cash flow per share (Unadj.) | Rs | 13,785.3 | 4.9 | 281,924.3% | |
| Dividends per share (Unadj.) | Rs | 40.00 | 0 | - | |
| Avg Dividend yield | % | 0.6 | 0 | - | |
| Book value per share (Unadj.) | Rs | 8,013.7 | 34.4 | 23,297.6% | |
| Shares outstanding (eoy) | m | 11.30 | 10.88 | 103.9% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 2.8 | 21.0% | |
| Avg P/E ratio | x | 2.0 | 21.6 | 9.2% | |
| Avg P/CF ratio | x | 2.0 | 21.6 | 9.2% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 1.2 | 73.5% | |
| Dividend payout | % | 1.2 | 0 | - | |
| Avg Mkt Cap | Rs m | 77,040 | 433 | 17,791.2% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 12,790 | 9 | 136,938.7% | |
| 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 | 152 | 84,709.9% | |
| Other income | Rs m | 774 | 1 | 100,558.4% | |
| Interest expense | Rs m | 3,655 | 100 | 3,653.3% | |
| Net interest income | Rs m | 125,519 | 52 | 239,402.3% | |
| Operating expense | Rs m | 110,438 | 26 | 418,166.5% | |
| Gross profit | Rs m | 15,081 | 26 | 57,958.8% | |
| Gross profit margin | % | 11.7 | 17.1 | 68.4% | |
| Provisions/contingencies | Rs m | 1 | 0 | - | |
| Profit before tax | Rs m | 41,092 | 27 | 153,386.9% | |
| 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 | 7 | 95,265.0% | |
| Profit after tax | Rs m | 38,916 | 20 | 194,093.2% | |
| Net profit margin | % | 30.1 | 13.1 | 229.2% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 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 | 671.3 | 20.6% | |
| Net fixed assets | Rs m | 4,381 | 0 | - | |
| Share capital | Rs m | 113 | 109 | 103.8% | |
| Free reserves | Rs m | 90,442 | 265 | 34,072.4% | |
| Net worth | Rs m | 90,555 | 374 | 24,197.0% | |
| Borrowings | Rs m | 1,403 | 991 | 141.6% | |
| Investments | Rs m | 90,945 | 8 | 1,164,463.8% | |
| Total assets | Rs m | 104,372 | 1,510 | 6,910.9% | |
| Debt/equity ratio | x | 0 | 2.6 | 0.9% | |
| Return on assets | % | 37.3 | 1.3 | 2,809.1% | |
| Return on equity | % | 43.0 | 5.4 | 802.3% | |
| Capital adequacy ratio | % | 0 | 0 | - | |
| Net NPAs | % | 0 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 18,172 | 14 | 131,682.8% | |
| From Investments | Rs m | -12,602 | NA | - | |
| From Financial Activity | Rs m | -5,899 | 20 | -29,900.9% | |
| Net Cashflow | Rs m | -1,651 | 34 | -4,923.8% | |
Share Holding
| Indian Promoters | % | 73.0 | 70.3 | 103.9% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 4.6 | 0.0 | - | |
| FIIs | % | 4.6 | 0.0 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 29.8 | 90.7% | |
| Shareholders | 21,119 | 3,705 | 570.0% | ||
| 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 SAINIK 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 SAINIK FINANCE Share Price Performance
| Period | BENGAL & ASSAM | SAINIK FINANCE |
|---|---|---|
| 1-Day | 1.41% | 4.98% |
| 1-Month | -6.33% | -1.20% |
| 1-Year | 16.22% | 16.11% |
| 3-Year CAGR | 67.18% | 25.89% |
| 5-Year CAGR | 50.42% | 18.61% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the SAINIK FINANCE share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of SAINIK FINANCE the stake stands at 70.3%.
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 SAINIK 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%.
SAINIK FINANCE 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 SAINIK FINANCE.
For a sector overview, read our finance sector report.
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