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- BENGAL & ASSAM - FINKURVE FINANCIAL SERVICES
BENGAL & ASSAM vs FINKURVE FINANCIAL SERVICES - Comparison Results
Current Valuations
| BENGAL & ASSAM | FINKURVE FINANCIAL SERVICES | BENGAL & ASSAM/ FINKURVE FINANCIAL SERVICES |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.4 | 63.6 | 5.3% | View Chart |
| P/BV | x | 1.2 | 6.0 | 19.5% | View Chart |
| Dividend Yield | % | 0.4 | 0.0 | - |
Financials
 BENGAL & ASSAM  FINKURVE FINANCIAL SERVICES |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-24 |
FINKURVE FINANCIAL SERVICES Mar-24 |
BENGAL & ASSAM/ FINKURVE FINANCIAL SERVICES |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 10,389 | 104 | 9,999.0% | |
| Low | Rs | 3,251 | 47 | 6,976.4% | |
| Income per share (Unadj.) | Rs | 11,431.3 | 7.1 | 161,055.9% | |
| Earnings per share (Unadj.) | Rs | 3,443.9 | 1.3 | 271,849.2% | |
| Cash flow per share (Unadj.) | Rs | 13,785.3 | 2.6 | 540,319.9% | |
| Dividends per share (Unadj.) | Rs | 40.00 | 0 | - | |
| Avg Dividend yield | % | 0.6 | 0 | - | |
| Book value per share (Unadj.) | Rs | 8,013.7 | 14.8 | 54,085.5% | |
| Shares outstanding (eoy) | m | 11.30 | 126.86 | 8.9% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 10.6 | 5.6% | |
| Avg P/E ratio | x | 2.0 | 59.4 | 3.3% | |
| Avg P/CF ratio | x | 2.0 | 13.9 | 14.3% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 5.1 | 16.8% | |
| Dividend payout | % | 1.2 | 0 | - | |
| Avg Mkt Cap | Rs m | 77,040 | 9,546 | 807.0% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 12,790 | 27 | 47,867.0% | |
| 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 | 900 | 14,346.0% | |
| Other income | Rs m | 774 | 18 | 4,320.9% | |
| Interest expense | Rs m | 3,655 | 62 | 5,922.7% | |
| Net interest income | Rs m | 125,519 | 839 | 14,965.7% | |
| Operating expense | Rs m | 110,438 | 640 | 17,264.3% | |
| Gross profit | Rs m | 15,081 | 199 | 7,577.6% | |
| Gross profit margin | % | 11.7 | 22.1 | 52.8% | |
| Provisions/contingencies | Rs m | 1 | 528 | 0.1% | |
| Profit before tax | Rs m | 41,092 | 212 | 19,364.9% | |
| 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 | 51 | 12,470.1% | |
| Profit after tax | Rs m | 38,916 | 161 | 24,214.8% | |
| Net profit margin | % | 30.1 | 17.8 | 168.8% | |
| 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 | 566.5 | 24.4% | |
| Net fixed assets | Rs m | 4,381 | 9 | 50,065.0% | |
| Share capital | Rs m | 113 | 127 | 89.0% | |
| Free reserves | Rs m | 90,442 | 1,753 | 5,159.9% | |
| Net worth | Rs m | 90,555 | 1,880 | 4,817.6% | |
| Borrowings | Rs m | 1,403 | 388 | 361.6% | |
| Investments | Rs m | 90,945 | 148 | 61,428.3% | |
| Total assets | Rs m | 104,372 | 2,866 | 3,641.5% | |
| Debt/equity ratio | x | 0 | 0.2 | 11.2% | |
| Return on assets | % | 37.3 | 5.6 | 665.0% | |
| Return on equity | % | 43.0 | 8.6 | 502.6% | |
| Capital adequacy ratio | % | 0 | 0 | - | |
| Net NPAs | % | 0 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 18,172 | -71 | -25,747.0% | |
| From Investments | Rs m | -12,602 | -63 | 19,886.6% | |
| From Financial Activity | Rs m | -5,899 | 176 | -3,354.1% | |
| Net Cashflow | Rs m | -1,651 | 42 | -3,936.4% | |
Share Holding
| Indian Promoters | % | 73.0 | 59.0 | 123.8% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 4.6 | 5.8 | 78.1% | |
| FIIs | % | 4.6 | 5.8 | 77.9% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 41.0 | 65.8% | |
| Shareholders | 21,119 | 1,883 | 1,121.6% | ||
| Pledged promoter(s) holding | % | 0.0 | 20.0 | - |
Compare BENGAL & ASSAM With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS TATA INVESTMENT
More on BENGAL & ASSAM vs SANJAY LEASING
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 SANJAY LEASING Share Price Performance
| Period | BENGAL & ASSAM | SANJAY LEASING |
|---|---|---|
| 1-Day | 1.41% | -3.02% |
| 1-Month | -6.33% | -5.15% |
| 1-Year | 16.22% | 15.57% |
| 3-Year CAGR | 67.18% | 26.16% |
| 5-Year CAGR | 50.42% | 18.50% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the SANJAY LEASING share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of SANJAY LEASING the stake stands at 59.0%.
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 SANJAY LEASING.
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%.
SANJAY LEASING 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 SANJAY LEASING.
For a sector overview, read our finance sector report.
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