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- Indian - finance
- IRFC - BENGAL & ASSAM
IRFC vs BENGAL & ASSAM - Comparison Results
Current Valuations
| IRFC | BENGAL & ASSAM | IRFC/ BENGAL & ASSAM |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 28.5 | 3.4 | 847.5% | View Chart |
| P/BV | x | 3.8 | 1.2 | 323.9% | View Chart |
| Dividend Yield | % | 1.1 | 0.4 | 246.6% |
Financials
 IRFC  BENGAL & ASSAM |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| IRFC Mar-24 |
BENGAL & ASSAM Mar-24 |
IRFC/ BENGAL & ASSAM |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 193 | 10,389 | 1.9% | |
| Low | Rs | 27 | 3,251 | 0.8% | |
| Income per share (Unadj.) | Rs | 20.4 | 11,431.3 | 0.2% | |
| Earnings per share (Unadj.) | Rs | 4.9 | 3,443.9 | 0.1% | |
| Cash flow per share (Unadj.) | Rs | 4.9 | 13,785.3 | 0.0% | |
| Dividends per share (Unadj.) | Rs | 1.50 | 40.00 | 3.8% | |
| Avg Dividend yield | % | 1.4 | 0.6 | 233.0% | |
| Book value per share (Unadj.) | Rs | 37.6 | 8,013.7 | 0.5% | |
| Shares outstanding (eoy) | m | 13,068.51 | 11.30 | 115,650.5% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 5.4 | 0.6 | 902.8% | |
| Avg P/E ratio | x | 22.4 | 2.0 | 1,130.2% | |
| Avg P/CF ratio | x | 21.8 | 2.0 | 1,102.2% | |
| Avg Price/Bookvalue ratio | x | 2.9 | 0.9 | 342.9% | |
| Dividend payout | % | 30.6 | 1.2 | 2,633.0% | |
| Avg Mkt Cap | Rs m | 1,434,661 | 77,040 | 1,862.2% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 112 | 12,790 | 0.9% | |
| 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 | 266,446 | 129,174 | 206.3% | |
| Other income | Rs m | 153 | 774 | 19.7% | |
| Interest expense | Rs m | 201,015 | 3,655 | 5,499.0% | |
| Net interest income | Rs m | 65,431 | 125,519 | 52.1% | |
| Operating expense | Rs m | 1,368 | 110,438 | 1.2% | |
| Gross profit | Rs m | 64,063 | 15,081 | 424.8% | |
| Gross profit margin | % | 24.0 | 11.7 | 205.9% | |
| Provisions/contingencies | Rs m | 1,628 | 1 | 219,959.5% | |
| Profit before tax | Rs m | 64,121 | 41,092 | 156.0% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -3,020 | -0.0% | |
| Prior Period Items | Rs m | 0 | 7,264 | 0.0% | |
| Tax | Rs m | 0 | 6,421 | 0.0% | |
| Profit after tax | Rs m | 64,121 | 38,916 | 164.8% | |
| Net profit margin | % | 24.1 | 30.1 | 79.9% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 0 | 0 | - | |
| Deposits | Rs m | 0 | 75 | 0.0% | |
| Credit/Deposit ratio | x | 0 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 0 | - | |
| Net Interest Margin | % | 112.6 | 138.0 | 81.6% | |
| Net fixed assets | Rs m | 220 | 4,381 | 5.0% | |
| Share capital | Rs m | 130,685 | 113 | 115,691.4% | |
| Free reserves | Rs m | 361,101 | 90,442 | 399.3% | |
| Net worth | Rs m | 491,786 | 90,555 | 543.1% | |
| Borrowings | Rs m | 0 | 1,403 | 0.0% | |
| Investments | Rs m | 58,125 | 90,945 | 63.9% | |
| Total assets | Rs m | 4,850,824 | 104,372 | 4,647.6% | |
| Debt/equity ratio | x | 0 | 0 | 0.0% | |
| Return on assets | % | 1.3 | 37.3 | 3.5% | |
| Return on equity | % | 13.0 | 43.0 | 30.3% | |
| Capital adequacy ratio | % | 616.2 | 0 | - | |
| Net NPAs | % | 0 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 79,141 | 18,172 | 435.5% | |
| From Investments | Rs m | -75 | -12,602 | 0.6% | |
| From Financial Activity | Rs m | -80,464 | -5,899 | 1,363.9% | |
| Net Cashflow | Rs m | -1,399 | -1,651 | 84.7% | |
Share Holding
| Indian Promoters | % | 86.4 | 73.0 | 118.3% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 2.2 | 4.6 | 47.6% | |
| FIIs | % | 1.1 | 4.6 | 24.0% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 13.6 | 27.0 | 50.5% | |
| Shareholders | 5,500,054 | 21,119 | 26,043.2% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare IRFC With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS AAVAS FINANCIERS
More on IRFC vs BENGAL & ASSAM
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
IRFC vs BENGAL & ASSAM Share Price Performance
| Period | IRFC | BENGAL & ASSAM |
|---|---|---|
| 1-Day | 0.39% | 1.41% |
| 1-Month | 3.19% | -6.33% |
| 1-Year | 85.48% | 16.22% |
| 3-Year CAGR | 81.82% | 67.18% |
| 5-Year CAGR | 41.74% | 50.42% |
* Compound Annual Growth Rate
Here are more details on the IRFC share price and the BENGAL & ASSAM share price.
Moving on to shareholding structures...
The promoters of IRFC hold a 86.4% stake in the company. In case of BENGAL & ASSAM the stake stands at 73.0%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of IRFC and the shareholding pattern of BENGAL & ASSAM.
Finally, a word on dividends...
In the most recent financial year, IRFC paid a dividend of Rs 1.5 per share. This amounted to a Dividend Payout ratio of 30.6%.
BENGAL & ASSAM paid Rs 40.0, and its dividend payout ratio stood at 1.2%.
You may visit here to review the dividend history of IRFC, and the dividend history of BENGAL & ASSAM.
For a sector overview, read our finance sector report.
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