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- BENGAL & ASSAM - SARASWATI COMMERCIAL (INDIA)
BENGAL & ASSAM vs SARASWATI COMMERCIAL (INDIA) - Comparison Results
Current Valuations
| BENGAL & ASSAM | SARASWATI COMMERCIAL (INDIA) | BENGAL & ASSAM/ SARASWATI COMMERCIAL (INDIA) |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.3 | 13.6 | 24.4% | View Chart |
| P/BV | x | 1.1 | 3.3 | 34.4% | View Chart |
| Dividend Yield | % | 0.4 | 0.0 | - |
Financials
 BENGAL & ASSAM  SARASWATI COMMERCIAL (INDIA) |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-24 |
SARASWATI COMMERCIAL (INDIA) Mar-24 |
BENGAL & ASSAM/ SARASWATI COMMERCIAL (INDIA) |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 10,389 | 8,427 | 123.3% | |
| Low | Rs | 3,251 | 2,251 | 144.4% | |
| Income per share (Unadj.) | Rs | 11,431.3 | 1,245.8 | 917.6% | |
| Earnings per share (Unadj.) | Rs | 3,443.9 | 1,008.8 | 341.4% | |
| Cash flow per share (Unadj.) | Rs | 13,785.3 | -2,133.9 | -646.0% | |
| Dividends per share (Unadj.) | Rs | 40.00 | 0 | - | |
| Avg Dividend yield | % | 0.6 | 0 | - | |
| Book value per share (Unadj.) | Rs | 8,013.7 | 6,768.8 | 118.4% | |
| Shares outstanding (eoy) | m | 11.30 | 1.03 | 1,097.1% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 4.3 | 13.9% | |
| Avg P/E ratio | x | 2.0 | 5.3 | 37.4% | |
| Avg P/CF ratio | x | 2.0 | 1.2 | 162.1% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 0.8 | 107.9% | |
| Dividend payout | % | 1.2 | 0 | - | |
| Avg Mkt Cap | Rs m | 77,040 | 5,499 | 1,401.1% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 12,790 | 23 | 55,011.1% | |
| 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 | 1,283 | 10,066.4% | |
| Other income | Rs m | 774 | 0 | - | |
| Interest expense | Rs m | 3,655 | 17 | 21,694.3% | |
| Net interest income | Rs m | 125,519 | 1,266 | 9,911.7% | |
| Operating expense | Rs m | 110,438 | 32 | 349,044.8% | |
| Gross profit | Rs m | 15,081 | 1,235 | 1,221.4% | |
| Gross profit margin | % | 11.7 | 96.2 | 12.1% | |
| Provisions/contingencies | Rs m | 1 | 3,464 | 0.0% | |
| Profit before tax | Rs m | 41,092 | 1,235 | 3,328.2% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -3,020 | 0 | -30,200,700.0% | |
| Prior Period Items | Rs m | 7,264 | 0 | - | |
| Tax | Rs m | 6,421 | 196 | 3,281.8% | |
| Profit after tax | Rs m | 38,916 | 1,039 | 3,745.3% | |
| Net profit margin | % | 30.1 | 81.0 | 37.2% | |
| 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 | 16.6 | 831.5% | |
| Net fixed assets | Rs m | 4,381 | 0 | 1,068,461.0% | |
| Share capital | Rs m | 113 | 10 | 1,096.7% | |
| Free reserves | Rs m | 90,442 | 6,962 | 1,299.2% | |
| Net worth | Rs m | 90,555 | 6,972 | 1,298.9% | |
| Borrowings | Rs m | 1,403 | 0 | 935,013.3% | |
| Investments | Rs m | 90,945 | 7,629 | 1,192.0% | |
| Total assets | Rs m | 104,372 | 8,049 | 1,296.7% | |
| Debt/equity ratio | x | 0 | 0 | 107,581.4% | |
| Return on assets | % | 37.3 | 12.9 | 288.8% | |
| Return on equity | % | 43.0 | 14.9 | 288.4% | |
| Capital adequacy ratio | % | 0 | 73.1 | 0.0% | |
| Net NPAs | % | 0 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 18,172 | 330 | 5,509.9% | |
| From Investments | Rs m | -12,602 | -67 | 18,683.7% | |
| From Financial Activity | Rs m | -5,899 | -238 | 2,482.7% | |
| Net Cashflow | Rs m | -1,651 | 25 | -6,675.9% | |
Share Holding
| Indian Promoters | % | 73.0 | 70.2 | 104.0% | |
| Foreign collaborators | % | 0.0 | 2.1 | - | |
| Indian inst/Mut Fund | % | 4.6 | 0.0 | - | |
| FIIs | % | 4.6 | 0.0 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 27.7 | 97.5% | |
| Shareholders | 21,119 | 2,936 | 719.3% | ||
| 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 SARASWATI COMMERCIAL (INDIA)
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 SARASWATI COMMERCIAL (INDIA) Share Price Performance
| Period | BENGAL & ASSAM | SARASWATI COMMERCIAL (INDIA) |
|---|---|---|
| 1-Day | -2.52% | -2.84% |
| 1-Month | -7.57% | 11.37% |
| 1-Year | 14.86% | 600.02% |
| 3-Year CAGR | 66.40% | 101.21% |
| 5-Year CAGR | 50.52% | 206.96% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the SARASWATI COMMERCIAL (INDIA) share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of SARASWATI COMMERCIAL (INDIA) the stake stands at 72.3%.
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 SARASWATI COMMERCIAL (INDIA).
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%.
SARASWATI COMMERCIAL (INDIA) 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 SARASWATI COMMERCIAL (INDIA).
For a sector overview, read our finance sector report.
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