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- BENGAL & ASSAM - LAKSHMI FINANCE
BENGAL & ASSAM vs LAKSHMI FINANCE - Comparison Results
Current Valuations
| BENGAL & ASSAM | LAKSHMI FINANCE | BENGAL & ASSAM/ LAKSHMI FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.4 | 5.0 | 67.9% | View Chart |
| P/BV | x | 1.2 | 1.2 | 95.8% | View Chart |
| Dividend Yield | % | 0.4 | 1.7 | 24.5% |
Financials
 BENGAL & ASSAM  LAKSHMI FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-24 |
LAKSHMI FINANCE Mar-24 |
BENGAL & ASSAM/ LAKSHMI FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 10,389 | 249 | 4,179.0% | |
| Low | Rs | 3,251 | 106 | 3,081.5% | |
| Income per share (Unadj.) | Rs | 11,431.3 | 49.5 | 23,085.8% | |
| Earnings per share (Unadj.) | Rs | 3,443.9 | 34.6 | 9,956.2% | |
| Cash flow per share (Unadj.) | Rs | 13,785.3 | 49.0 | 28,114.1% | |
| Dividends per share (Unadj.) | Rs | 40.00 | 4.00 | 1,000.0% | |
| Avg Dividend yield | % | 0.6 | 2.3 | 26.0% | |
| Book value per share (Unadj.) | Rs | 8,013.7 | 188.4 | 4,254.0% | |
| Shares outstanding (eoy) | m | 11.30 | 3.00 | 376.7% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 3.6 | 16.7% | |
| Avg P/E ratio | x | 2.0 | 5.1 | 38.7% | |
| Avg P/CF ratio | x | 2.0 | 5.1 | 38.7% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 0.9 | 90.5% | |
| Dividend payout | % | 1.2 | 11.6 | 10.0% | |
| Avg Mkt Cap | Rs m | 77,040 | 531 | 14,504.5% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 12,790 | 16 | 80,796.4% | |
| 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 | 149 | 86,956.7% | |
| Other income | Rs m | 774 | 0 | 227,735.3% | |
| Interest expense | Rs m | 3,655 | 0 | 3,046,241.7% | |
| Net interest income | Rs m | 125,519 | 148 | 84,564.2% | |
| Operating expense | Rs m | 110,438 | 19 | 582,785.0% | |
| Gross profit | Rs m | 15,081 | 129 | 11,647.3% | |
| Gross profit margin | % | 11.7 | 87.2 | 13.4% | |
| Provisions/contingencies | Rs m | 1 | 0 | - | |
| Profit before tax | Rs m | 41,092 | 128 | 32,065.8% | |
| 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 | 24 | 26,347.4% | |
| Profit after tax | Rs m | 38,916 | 104 | 37,501.9% | |
| Net profit margin | % | 30.1 | 69.9 | 43.1% | |
| 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 | 28.4 | 485.6% | |
| Net fixed assets | Rs m | 4,381 | 2 | 259,212.4% | |
| Share capital | Rs m | 113 | 30 | 376.5% | |
| Free reserves | Rs m | 90,442 | 535 | 16,900.6% | |
| Net worth | Rs m | 90,555 | 565 | 16,023.4% | |
| Borrowings | Rs m | 1,403 | 0 | - | |
| Investments | Rs m | 90,945 | 522 | 17,413.0% | |
| Total assets | Rs m | 104,372 | 597 | 17,476.6% | |
| Debt/equity ratio | x | 0 | 0 | - | |
| Return on assets | % | 37.3 | 17.4 | 214.6% | |
| Return on equity | % | 43.0 | 18.4 | 234.0% | |
| Capital adequacy ratio | % | 0 | 0 | - | |
| Net NPAs | % | 0 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 18,172 | -33 | -55,589.6% | |
| From Investments | Rs m | -12,602 | 76 | -16,510.1% | |
| From Financial Activity | Rs m | -5,899 | -9 | 68,359.8% | |
| Net Cashflow | Rs m | -1,651 | 35 | -4,715.6% | |
Share Holding
| Indian Promoters | % | 73.0 | 43.5 | 167.8% | |
| Foreign collaborators | % | 0.0 | 3.5 | - | |
| Indian inst/Mut Fund | % | 4.6 | 0.0 | 15,200.0% | |
| FIIs | % | 4.6 | 0.0 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 53.0 | 50.9% | |
| Shareholders | 21,119 | 5,201 | 406.1% | ||
| 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 LAKSHMI FINANCE
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 LAKSHMI FINANCE Share Price Performance
| Period | BENGAL & ASSAM | LAKSHMI FINANCE |
|---|---|---|
| 1-Day | 1.76% | -2.04% |
| 1-Month | -6.00% | -8.33% |
| 1-Year | 16.62% | 56.71% |
| 3-Year CAGR | 67.37% | 10.19% |
| 5-Year CAGR | 50.53% | 33.13% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the LAKSHMI FINANCE share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of LAKSHMI FINANCE the stake stands at 47.0%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of BENGAL & ASSAM and the shareholding pattern of LAKSHMI FINANCE.
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%.
LAKSHMI FINANCE paid Rs 4.0, and its dividend payout ratio stood at 11.6%.
You may visit here to review the dividend history of BENGAL & ASSAM, and the dividend history of LAKSHMI FINANCE.
For a sector overview, read our finance sector report.
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