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- BENGAL & ASSAM - CSL FINANCE
BENGAL & ASSAM vs CSL FINANCE - Comparison Results
Current Valuations
| BENGAL & ASSAM | CSL FINANCE | BENGAL & ASSAM/ CSL FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.3 | 10.0 | 33.5% | View Chart |
| P/BV | x | 1.2 | 1.5 | 76.9% | View Chart |
| Dividend Yield | % | 0.4 | 0.8 | 54.0% |
Financials
 BENGAL & ASSAM  CSL FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-24 |
CSL FINANCE Mar-24 |
BENGAL & ASSAM/ CSL FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 10,389 | 517 | 2,008.9% | |
| Low | Rs | 3,251 | 196 | 1,662.1% | |
| Income per share (Unadj.) | Rs | 11,431.3 | 73.8 | 15,485.7% | |
| Earnings per share (Unadj.) | Rs | 3,443.9 | 28.2 | 12,196.6% | |
| Cash flow per share (Unadj.) | Rs | 13,785.3 | 54.1 | 25,464.8% | |
| Dividends per share (Unadj.) | Rs | 40.00 | 2.50 | 1,600.0% | |
| Avg Dividend yield | % | 0.6 | 0.7 | 83.6% | |
| Book value per share (Unadj.) | Rs | 8,013.7 | 211.2 | 3,793.9% | |
| Shares outstanding (eoy) | m | 11.30 | 22.44 | 50.4% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 4.8 | 12.4% | |
| Avg P/E ratio | x | 2.0 | 12.6 | 15.7% | |
| Avg P/CF ratio | x | 2.0 | 12.5 | 15.9% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 1.7 | 50.4% | |
| Dividend payout | % | 1.2 | 8.9 | 13.1% | |
| Avg Mkt Cap | Rs m | 77,040 | 7,996 | 963.5% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 12,790 | 216 | 5,929.6% | |
| 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 | 1,656 | 7,798.1% | |
| Other income | Rs m | 774 | 9 | 8,272.4% | |
| Interest expense | Rs m | 3,655 | 430 | 850.3% | |
| Net interest income | Rs m | 125,519 | 1,227 | 10,233.1% | |
| Operating expense | Rs m | 110,438 | 366 | 30,156.1% | |
| Gross profit | Rs m | 15,081 | 860 | 1,752.8% | |
| Gross profit margin | % | 11.7 | 51.9 | 22.5% | |
| Provisions/contingencies | Rs m | 1 | 7 | 10.0% | |
| Profit before tax | Rs m | 41,092 | 856 | 4,800.7% | |
| 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 | 222 | 2,887.9% | |
| Profit after tax | Rs m | 38,916 | 634 | 6,141.8% | |
| Net profit margin | % | 30.1 | 38.3 | 78.8% | |
| 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 | 17,751.0 | 0.8% | |
| Net fixed assets | Rs m | 4,381 | 75 | 5,820.7% | |
| Share capital | Rs m | 113 | 224 | 50.3% | |
| Free reserves | Rs m | 90,442 | 4,516 | 2,002.9% | |
| Net worth | Rs m | 90,555 | 4,740 | 1,910.5% | |
| Borrowings | Rs m | 1,403 | 142 | 988.6% | |
| Investments | Rs m | 90,945 | 7 | 1,316,130.5% | |
| Total assets | Rs m | 104,372 | 9,843 | 1,060.4% | |
| Debt/equity ratio | x | 0 | 0 | 77.3% | |
| Return on assets | % | 37.3 | 6.4 | 579.2% | |
| Return on equity | % | 43.0 | 13.4 | 321.5% | |
| Capital adequacy ratio | % | 0 | 52.3 | 0.0% | |
| Net NPAs | % | 0 | 0.3 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 18,172 | -1,272 | -1,429.1% | |
| From Investments | Rs m | -12,602 | -18 | 69,779.4% | |
| From Financial Activity | Rs m | -5,899 | 1,427 | -413.5% | |
| Net Cashflow | Rs m | -1,651 | 137 | -1,203.1% | |
Share Holding
| Indian Promoters | % | 73.0 | 47.4 | 153.9% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 4.6 | 3.7 | 122.3% | |
| FIIs | % | 4.6 | 2.5 | 181.3% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 52.6 | 51.4% | |
| Shareholders | 21,119 | 8,649 | 244.2% | ||
| 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 CONSOLIDATED SEC.
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 CONSOLIDATED SEC. Share Price Performance
| Period | BENGAL & ASSAM | CONSOLIDATED SEC. |
|---|---|---|
| 1-Day | 0.89% | 2.20% |
| 1-Month | -6.81% | -11.56% |
| 1-Year | 15.63% | -20.48% |
| 3-Year CAGR | 66.90% | 35.03% |
| 5-Year CAGR | 50.27% | 30.28% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the CONSOLIDATED SEC. share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of CONSOLIDATED SEC. the stake stands at 47.4%.
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 CONSOLIDATED SEC..
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%.
CONSOLIDATED SEC. paid Rs 2.5, and its dividend payout ratio stood at 8.9%.
You may visit here to review the dividend history of BENGAL & ASSAM, and the dividend history of CONSOLIDATED SEC..
For a sector overview, read our finance sector report.
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