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- Indian - finance
- BENGAL & ASSAM - INDO CREDIT
BENGAL & ASSAM vs INDO CREDIT - Comparison Results
Current Valuations
| BENGAL & ASSAM | INDO CREDIT | BENGAL & ASSAM/ INDO CREDIT |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.4 | -38.6 | - | View Chart |
| P/BV | x | 1.2 | 0.3 | 404.4% | View Chart |
| Dividend Yield | % | 0.4 | 0.0 | - |
Financials
 BENGAL & ASSAM  INDO CREDIT |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-24 |
INDO CREDIT Mar-24 |
BENGAL & ASSAM/ INDO CREDIT |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 10,389 | 2 | 549,679.9% | |
| Low | Rs | 3,251 | 1 | 218,187.9% | |
| Income per share (Unadj.) | Rs | 11,431.3 | 0.1 | 13,548,946.6% | |
| Earnings per share (Unadj.) | Rs | 3,443.9 | -0.1 | -4,882,185.8% | |
| Cash flow per share (Unadj.) | Rs | 13,785.3 | 0.3 | 5,446,311.9% | |
| Dividends per share (Unadj.) | Rs | 40.00 | 0 | - | |
| Avg Dividend yield | % | 0.6 | 0 | - | |
| Book value per share (Unadj.) | Rs | 8,013.7 | 8.1 | 98,754.2% | |
| Shares outstanding (eoy) | m | 11.30 | 7.23 | 156.3% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 20.0 | 3.0% | |
| Avg P/E ratio | x | 2.0 | -24.1 | -8.2% | |
| Avg P/CF ratio | x | 2.0 | -24.1 | -8.2% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 0.2 | 408.5% | |
| Dividend payout | % | 1.2 | 0 | - | |
| Avg Mkt Cap | Rs m | 77,040 | 12 | 630,445.8% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 12,790 | 1 | 1,279,007.0% | |
| 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 | 1 | 21,176,085.2% | |
| Other income | Rs m | 774 | 2 | 41,406.4% | |
| Interest expense | Rs m | 3,655 | 1 | 562,383.1% | |
| Net interest income | Rs m | 125,519 | 0 | -313,796,575.0% | |
| Operating expense | Rs m | 110,438 | 2 | 4,719,562.4% | |
| Gross profit | Rs m | 15,081 | -2 | -636,323.6% | |
| Gross profit margin | % | 11.7 | -389.0 | -3.0% | |
| Provisions/contingencies | Rs m | 1 | 0 | - | |
| Profit before tax | Rs m | 41,092 | -1 | -8,057,323.5% | |
| 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 | 0 | - | |
| Profit after tax | Rs m | 38,916 | -1 | -7,630,525.5% | |
| Net profit margin | % | 30.1 | -83.3 | -36.2% | |
| 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 | 0 | -286,995.6% | |
| Net fixed assets | Rs m | 4,381 | 9 | 50,997.6% | |
| Share capital | Rs m | 113 | 72 | 156.2% | |
| Free reserves | Rs m | 90,442 | -14 | -663,063.6% | |
| Net worth | Rs m | 90,555 | 59 | 154,346.1% | |
| Borrowings | Rs m | 1,403 | 0 | - | |
| Investments | Rs m | 90,945 | 73 | 124,958.3% | |
| Total assets | Rs m | 104,372 | 99 | 105,736.2% | |
| Debt/equity ratio | x | 0 | 0 | - | |
| Return on assets | % | 37.3 | -0.5 | -7,245.0% | |
| Return on equity | % | 43.0 | -0.9 | -4,963.2% | |
| Capital adequacy ratio | % | 0 | 0 | - | |
| Net NPAs | % | 0 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 18,172 | -9 | -209,841.0% | |
| From Investments | Rs m | -12,602 | 4 | -324,797.9% | |
| From Financial Activity | Rs m | -5,899 | 4 | -150,881.1% | |
| Net Cashflow | Rs m | -1,651 | -1 | 187,606.8% | |
Share Holding
| Indian Promoters | % | 73.0 | 14.5 | 503.2% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 4.6 | 0.0 | - | |
| FIIs | % | 4.6 | 0.0 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 85.5 | 31.6% | |
| Shareholders | 21,119 | 11,148 | 189.4% | ||
| 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 INDO CREDIT
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 INDO CREDIT Share Price Performance
| Period | BENGAL & ASSAM | INDO CREDIT |
|---|---|---|
| 1-Day | 0.45% | 4.91% |
| 1-Month | -5.73% | 4.91% |
| 1-Year | 16.60% | 43.29% |
| 3-Year CAGR | 63.85% | 13.91% |
| 5-Year CAGR | 50.49% | 33.70% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the INDO CREDIT share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of INDO CREDIT the stake stands at 14.5%.
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 INDO CREDIT.
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%.
INDO CREDIT 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 INDO CREDIT.
For a sector overview, read our finance sector report.
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