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- Indian - finance
- BENGAL & ASSAM - CAPITAL FIRST
BENGAL & ASSAM vs CAPITAL FIRST - Comparison Results
Current Valuations
| BENGAL & ASSAM | CAPITAL FIRST | BENGAL & ASSAM/ CAPITAL FIRST |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.4 | 15.0 | 22.6% | View Chart |
| P/BV | x | 1.2 | 2.2 | 52.7% | View Chart |
| Dividend Yield | % | 0.4 | 0.5 | 89.4% |
Financials
 BENGAL & ASSAM  CAPITAL FIRST |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-24 |
CAPITAL FIRST Mar-18 |
BENGAL & ASSAM/ CAPITAL FIRST |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 10,389 | 902 | 1,151.8% | |
| Low | Rs | 3,251 | 610 | 533.0% | |
| Income per share (Unadj.) | Rs | 11,431.3 | 381.0 | 3,000.5% | |
| Earnings per share (Unadj.) | Rs | 3,443.9 | 33.1 | 10,409.1% | |
| Cash flow per share (Unadj.) | Rs | 13,785.3 | 37.8 | 36,458.9% | |
| Dividends per share (Unadj.) | Rs | 40.00 | 2.80 | 1,428.6% | |
| Avg Dividend yield | % | 0.6 | 0.4 | 158.4% | |
| Book value per share (Unadj.) | Rs | 8,013.7 | 264.5 | 3,030.0% | |
| Shares outstanding (eoy) | m | 11.30 | 98.97 | 11.4% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 2.0 | 30.1% | |
| Avg P/E ratio | x | 2.0 | 22.8 | 8.7% | |
| Avg P/CF ratio | x | 2.0 | 3.2 | 62.3% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 2.9 | 29.8% | |
| Dividend payout | % | 1.2 | 8.5 | 13.7% | |
| Avg Mkt Cap | Rs m | 77,040 | 74,818 | 103.0% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 12,790 | 3,348 | 382.1% | |
| 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 | 37,706 | 342.6% | |
| Other income | Rs m | 774 | 414 | 186.9% | |
| Interest expense | Rs m | 3,655 | 13,824 | 26.4% | |
| Net interest income | Rs m | 125,519 | 23,882 | 525.6% | |
| Operating expense | Rs m | 110,438 | 19,078 | 578.9% | |
| Gross profit | Rs m | 15,081 | 4,804 | 314.0% | |
| Gross profit margin | % | 11.7 | 12.7 | 91.6% | |
| Provisions/contingencies | Rs m | 1 | 20,275 | 0.0% | |
| Profit before tax | Rs m | 41,092 | 4,939 | 832.0% | |
| 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 | 1,664 | 385.8% | |
| Profit after tax | Rs m | 38,916 | 3,274 | 1,188.5% | |
| Net profit margin | % | 30.1 | 8.7 | 346.9% | |
| 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 | 15.0 | 918.3% | |
| Net fixed assets | Rs m | 4,381 | 831 | 527.3% | |
| Share capital | Rs m | 113 | 990 | 11.4% | |
| Free reserves | Rs m | 90,442 | 25,186 | 359.1% | |
| Net worth | Rs m | 90,555 | 26,175 | 346.0% | |
| Borrowings | Rs m | 1,403 | 40,449 | 3.5% | |
| Investments | Rs m | 90,945 | 158,893 | 57.2% | |
| Total assets | Rs m | 104,372 | 260,691 | 40.0% | |
| Debt/equity ratio | x | 0 | 1.5 | 1.5% | |
| Return on assets | % | 37.3 | 1.3 | 2,968.4% | |
| Return on equity | % | 43.0 | 12.5 | 343.5% | |
| Capital adequacy ratio | % | 0 | 15.9 | 0.0% | |
| Net NPAs | % | 0 | 1.0 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 18,172 | -76,501 | -23.8% | |
| From Investments | Rs m | -12,602 | -947 | 1,330.9% | |
| From Financial Activity | Rs m | -5,899 | 75,797 | -7.8% | |
| Net Cashflow | Rs m | -1,651 | -1,651 | 100.0% | |
Share Holding
| Indian Promoters | % | 73.0 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 35.5 | - | |
| Indian inst/Mut Fund | % | 4.6 | 30.4 | 15.0% | |
| FIIs | % | 4.6 | 19.9 | 22.8% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 64.5 | 41.9% | |
| Shareholders | 21,119 | 139,594 | 15.1% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare BENGAL & ASSAM With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS INDOSTAR CAPITAL
More on BENGAL & ASSAM vs CAPITAL FIRST
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 CAPITAL FIRST Share Price Performance
| Period | BENGAL & ASSAM | CAPITAL FIRST |
|---|---|---|
| 1-Day | 0.47% | -0.53% |
| 1-Month | -5.71% | 8.41% |
| 1-Year | 16.62% | -16.11% |
| 3-Year CAGR | 63.86% | 12.35% |
| 5-Year CAGR | 50.49% | 30.82% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the CAPITAL FIRST share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of CAPITAL FIRST the stake stands at 35.5%.
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 CAPITAL FIRST.
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%.
CAPITAL FIRST paid Rs 2.8, and its dividend payout ratio stood at 8.5%.
You may visit here to review the dividend history of BENGAL & ASSAM, and the dividend history of CAPITAL FIRST.
For a sector overview, read our finance sector report.
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