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- BENGAL & ASSAM - GIC HOUSING
BENGAL & ASSAM vs GIC HOUSING - Comparison Results
Current Valuations
| BENGAL & ASSAM | GIC HOUSING | BENGAL & ASSAM/ GIC HOUSING |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.4 | 6.7 | 50.4% | View Chart |
| P/BV | x | 1.2 | 0.6 | 193.9% | View Chart |
| Dividend Yield | % | 0.4 | 2.2 | 19.4% |
Financials
 BENGAL & ASSAM  GIC HOUSING |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-24 |
GIC HOUSING Mar-24 |
BENGAL & ASSAM/ GIC HOUSING |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 10,389 | 292 | 3,552.4% | |
| Low | Rs | 3,251 | 155 | 2,104.2% | |
| Income per share (Unadj.) | Rs | 11,431.3 | 196.3 | 5,822.9% | |
| Earnings per share (Unadj.) | Rs | 3,443.9 | 28.1 | 12,253.2% | |
| Cash flow per share (Unadj.) | Rs | 13,785.3 | 60.8 | 22,680.6% | |
| Dividends per share (Unadj.) | Rs | 40.00 | 4.50 | 888.9% | |
| Avg Dividend yield | % | 0.6 | 2.0 | 29.1% | |
| Book value per share (Unadj.) | Rs | 8,013.7 | 339.6 | 2,359.6% | |
| Shares outstanding (eoy) | m | 11.30 | 53.85 | 21.0% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 1.1 | 52.4% | |
| Avg P/E ratio | x | 2.0 | 8.0 | 24.9% | |
| Avg P/CF ratio | x | 2.0 | 7.2 | 27.6% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 0.7 | 129.3% | |
| Dividend payout | % | 1.2 | 16.0 | 7.3% | |
| Avg Mkt Cap | Rs m | 77,040 | 12,034 | 640.2% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 12,790 | 640 | 1,998.4% | |
| 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 | 10,572 | 1,221.9% | |
| Other income | Rs m | 774 | 125 | 617.5% | |
| Interest expense | Rs m | 3,655 | 7,107 | 51.4% | |
| Net interest income | Rs m | 125,519 | 3,465 | 3,622.7% | |
| Operating expense | Rs m | 110,438 | 1,398 | 7,897.4% | |
| Gross profit | Rs m | 15,081 | 2,066 | 729.8% | |
| Gross profit margin | % | 11.7 | 19.5 | 59.7% | |
| Provisions/contingencies | Rs m | 1 | 167 | 0.4% | |
| Profit before tax | Rs m | 41,092 | 2,042 | 2,012.8% | |
| 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 | 528 | 1,215.8% | |
| Profit after tax | Rs m | 38,916 | 1,514 | 2,571.2% | |
| Net profit margin | % | 30.1 | 14.3 | 210.4% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 0 | 99,783 | 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 | 3.4 | 4,057.2% | |
| Net fixed assets | Rs m | 4,381 | 436 | 1,004.1% | |
| Share capital | Rs m | 113 | 539 | 21.0% | |
| Free reserves | Rs m | 90,442 | 17,750 | 509.5% | |
| Net worth | Rs m | 90,555 | 18,288 | 495.2% | |
| Borrowings | Rs m | 1,403 | 3,965 | 35.4% | |
| Investments | Rs m | 90,945 | 2,070 | 4,392.6% | |
| Total assets | Rs m | 104,372 | 103,964 | 100.4% | |
| Debt/equity ratio | x | 0 | 0.2 | 10.7% | |
| Return on assets | % | 37.3 | 1.5 | 2,561.2% | |
| Return on equity | % | 43.0 | 8.3 | 519.3% | |
| Capital adequacy ratio | % | 0 | 33.6 | 0.0% | |
| Net NPAs | % | 0 | 2.7 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 18,172 | 5,221 | 348.1% | |
| From Investments | Rs m | -12,602 | 635 | -1,984.6% | |
| From Financial Activity | Rs m | -5,899 | -6,194 | 95.2% | |
| Net Cashflow | Rs m | -1,651 | -338 | 487.9% | |
Share Holding
| Indian Promoters | % | 73.0 | 42.4 | 172.2% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 4.6 | 8.8 | 51.8% | |
| FIIs | % | 4.6 | 2.9 | 156.4% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 57.6 | 46.9% | |
| Shareholders | 21,119 | 67,589 | 31.2% | ||
| 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 GIC HOUSING
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 GIC HOUSING Share Price Performance
| Period | BENGAL & ASSAM | GIC HOUSING |
|---|---|---|
| 1-Day | 1.41% | 1.34% |
| 1-Month | -6.33% | -0.78% |
| 1-Year | 16.22% | 8.59% |
| 3-Year CAGR | 67.18% | 10.16% |
| 5-Year CAGR | 50.42% | 6.02% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the GIC HOUSING share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of GIC HOUSING the stake stands at 42.4%.
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 GIC HOUSING.
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%.
GIC HOUSING paid Rs 4.5, and its dividend payout ratio stood at 16.0%.
You may visit here to review the dividend history of BENGAL & ASSAM, and the dividend history of GIC HOUSING.
For a sector overview, read our finance sector report.
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