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- BENGAL & ASSAM - SHRIRAM CITY UNION
BENGAL & ASSAM vs SHRIRAM CITY UNION - Comparison Results
Current Valuations
| BENGAL & ASSAM | SHRIRAM CITY UNION | BENGAL & ASSAM/ SHRIRAM CITY UNION |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.3 | 9.3 | 35.6% | View Chart |
| P/BV | x | 1.1 | 1.4 | 82.0% | View Chart |
| Dividend Yield | % | 0.4 | 1.9 | 22.6% |
Financials
 BENGAL & ASSAM  SHRIRAM CITY UNION |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-24 |
SHRIRAM CITY UNION Mar-22 |
BENGAL & ASSAM/ SHRIRAM CITY UNION |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 10,389 | 2,600 | 399.6% | |
| Low | Rs | 3,251 | 1,378 | 235.8% | |
| Income per share (Unadj.) | Rs | 11,431.3 | 1,061.5 | 1,076.9% | |
| Earnings per share (Unadj.) | Rs | 3,443.9 | 172.9 | 1,992.3% | |
| Cash flow per share (Unadj.) | Rs | 13,785.3 | -5,605.2 | -245.9% | |
| Dividends per share (Unadj.) | Rs | 40.00 | 37.00 | 108.1% | |
| Avg Dividend yield | % | 0.6 | 1.9 | 31.5% | |
| Book value per share (Unadj.) | Rs | 8,013.7 | 1,379.6 | 580.9% | |
| Shares outstanding (eoy) | m | 11.30 | 66.63 | 17.0% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 1.9 | 31.8% | |
| Avg P/E ratio | x | 2.0 | 11.5 | 17.2% | |
| Avg P/CF ratio | x | 2.0 | 0.3 | 637.0% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 1.4 | 59.0% | |
| Dividend payout | % | 1.2 | 21.4 | 5.4% | |
| Avg Mkt Cap | Rs m | 77,040 | 132,538 | 58.1% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 12,790 | 10,576 | 120.9% | |
| 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 | 70,730 | 182.6% | |
| Other income | Rs m | 774 | 70 | 1,110.9% | |
| Interest expense | Rs m | 3,655 | 28,301 | 12.9% | |
| Net interest income | Rs m | 125,519 | 42,428 | 295.8% | |
| Operating expense | Rs m | 110,438 | 25,950 | 425.6% | |
| Gross profit | Rs m | 15,081 | 16,479 | 91.5% | |
| Gross profit margin | % | 11.7 | 23.3 | 50.1% | |
| Provisions/contingencies | Rs m | 1 | 414,981 | 0.0% | |
| Profit before tax | Rs m | 41,092 | 15,686 | 262.0% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -3,020 | -130 | 2,327.4% | |
| Prior Period Items | Rs m | 7,264 | 0 | - | |
| Tax | Rs m | 6,421 | 4,039 | 159.0% | |
| Profit after tax | Rs m | 38,916 | 11,518 | 337.9% | |
| Net profit margin | % | 30.1 | 16.3 | 185.0% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 0 | 355,460 | 0.0% | |
| Deposits | Rs m | 75 | 68,245 | 0.1% | |
| Credit/Deposit ratio | x | 0 | 520.9 | 0.0% | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 8.0 | 0.0% | |
| Net Interest Margin | % | 138.0 | 11.5 | 1,203.0% | |
| Net fixed assets | Rs m | 4,381 | 2,514 | 174.3% | |
| Share capital | Rs m | 113 | 666 | 17.0% | |
| Free reserves | Rs m | 90,442 | 91,253 | 99.1% | |
| Net worth | Rs m | 90,555 | 91,920 | 98.5% | |
| Borrowings | Rs m | 1,403 | 27,264 | 5.1% | |
| Investments | Rs m | 90,945 | 14,374 | 632.7% | |
| Total assets | Rs m | 104,372 | 485,553 | 21.5% | |
| Debt/equity ratio | x | 0 | 1.0 | 2.2% | |
| Return on assets | % | 37.3 | 2.4 | 1,571.8% | |
| Return on equity | % | 43.0 | 12.5 | 343.0% | |
| Capital adequacy ratio | % | 0 | 26.8 | 0.0% | |
| Net NPAs | % | 0 | 3.3 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 18,172 | -38,613 | -47.1% | |
| From Investments | Rs m | -12,602 | -1,338 | 942.0% | |
| From Financial Activity | Rs m | -5,899 | 53,477 | -11.0% | |
| Net Cashflow | Rs m | -1,651 | 13,527 | -12.2% | |
Share Holding
| Indian Promoters | % | 73.0 | 36.9 | 198.1% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 4.6 | 33.0 | 13.8% | |
| FIIs | % | 4.6 | 26.9 | 16.9% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 63.1 | 42.7% | |
| Shareholders | 21,119 | 22,900 | 92.2% | ||
| 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 SHRIRAM CITY UNION
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 SHRIRAM CITY UNION Share Price Performance
| Period | BENGAL & ASSAM | SHRIRAM CITY UNION |
|---|---|---|
| 1-Day | -2.52% | 0.14% |
| 1-Month | -7.57% | 4.33% |
| 1-Year | 14.86% | -0.93% |
| 3-Year CAGR | 66.40% | 13.37% |
| 5-Year CAGR | 50.52% | -1.05% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the SHRIRAM CITY UNION share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of SHRIRAM CITY UNION the stake stands at 36.9%.
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 SHRIRAM CITY UNION.
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%.
SHRIRAM CITY UNION paid Rs 37.0, and its dividend payout ratio stood at 21.4%.
You may visit here to review the dividend history of BENGAL & ASSAM, and the dividend history of SHRIRAM CITY UNION.
For a sector overview, read our finance sector report.
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