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- BENGAL & ASSAM - SBI CARDS
BENGAL & ASSAM vs SBI CARDS - Comparison Results
Current Valuations
| BENGAL & ASSAM | SBI CARDS | BENGAL & ASSAM/ SBI CARDS |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.3 | 29.1 | 11.4% | View Chart |
| P/BV | x | 1.1 | 5.3 | 21.6% | View Chart |
| Dividend Yield | % | 0.4 | 0.4 | 117.2% |
Financials
 BENGAL & ASSAM  SBI CARDS |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-24 |
SBI CARDS Mar-24 |
BENGAL & ASSAM/ SBI CARDS |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 10,389 | 932 | 1,114.3% | |
| Low | Rs | 3,251 | 679 | 478.9% | |
| Income per share (Unadj.) | Rs | 11,431.3 | 178.4 | 6,406.5% | |
| Earnings per share (Unadj.) | Rs | 3,443.9 | 25.3 | 13,601.2% | |
| Cash flow per share (Unadj.) | Rs | 13,785.3 | 146.5 | 9,410.9% | |
| Dividends per share (Unadj.) | Rs | 40.00 | 2.50 | 1,600.0% | |
| Avg Dividend yield | % | 0.6 | 0.3 | 189.0% | |
| Book value per share (Unadj.) | Rs | 8,013.7 | 126.9 | 6,313.2% | |
| Shares outstanding (eoy) | m | 11.30 | 950.97 | 1.2% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 4.5 | 13.2% | |
| Avg P/E ratio | x | 2.0 | 31.8 | 6.2% | |
| Avg P/CF ratio | x | 2.0 | 31.2 | 6.3% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 6.3 | 13.4% | |
| Dividend payout | % | 1.2 | 9.9 | 11.8% | |
| Avg Mkt Cap | Rs m | 77,040 | 766,076 | 10.1% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 12,790 | 5,697 | 224.5% | |
| 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 | 169,684 | 76.1% | |
| Other income | Rs m | 774 | 5,151 | 15.0% | |
| Interest expense | Rs m | 3,655 | 33,126 | 11.0% | |
| Net interest income | Rs m | 125,519 | 136,558 | 91.9% | |
| Operating expense | Rs m | 110,438 | 107,423 | 102.8% | |
| Gross profit | Rs m | 15,081 | 29,135 | 51.8% | |
| Gross profit margin | % | 11.7 | 17.2 | 68.0% | |
| Provisions/contingencies | Rs m | 1 | 441 | 0.2% | |
| Profit before tax | Rs m | 41,092 | 32,318 | 127.2% | |
| 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 | 8,239 | 77.9% | |
| Profit after tax | Rs m | 38,916 | 24,079 | 161.6% | |
| Net profit margin | % | 30.1 | 14.2 | 212.3% | |
| 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 | 385.6 | 35.8% | |
| Net fixed assets | Rs m | 4,381 | 5,421 | 80.8% | |
| Share capital | Rs m | 113 | 9,510 | 1.2% | |
| Free reserves | Rs m | 90,442 | 111,203 | 81.3% | |
| Net worth | Rs m | 90,555 | 120,712 | 75.0% | |
| Borrowings | Rs m | 1,403 | 319,932 | 0.4% | |
| Investments | Rs m | 90,945 | 35,411 | 256.8% | |
| Total assets | Rs m | 104,372 | 578,166 | 18.1% | |
| Debt/equity ratio | x | 0 | 2.7 | 0.9% | |
| Return on assets | % | 37.3 | 4.2 | 895.3% | |
| Return on equity | % | 43.0 | 19.9 | 215.4% | |
| Capital adequacy ratio | % | 0 | 20.5 | 0.0% | |
| Net NPAs | % | 0 | 1.0 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 18,172 | -54,515 | -33.3% | |
| From Investments | Rs m | -12,602 | -14,574 | 86.5% | |
| From Financial Activity | Rs m | -5,899 | 84,012 | -7.0% | |
| Net Cashflow | Rs m | -1,651 | 14,923 | -11.1% | |
Share Holding
| Indian Promoters | % | 73.0 | 68.6 | 106.4% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 4.6 | 25.9 | 17.6% | |
| FIIs | % | 4.6 | 9.2 | 49.6% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 31.4 | 86.0% | |
| Shareholders | 21,119 | 948,916 | 2.2% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare BENGAL & ASSAM With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST AAVAS FINANCIERS INDOSTAR CAPITAL
More on BENGAL & ASSAM vs SBI CARDS
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 SBI CARDS Share Price Performance
| Period | BENGAL & ASSAM | SBI CARDS |
|---|---|---|
| 1-Day | -2.52% | -1.24% |
| 1-Month | -7.57% | -5.92% |
| 1-Year | 14.86% | -8.12% |
| 3-Year CAGR | 66.40% | -12.53% |
| 5-Year CAGR | 50.52% | -0.24% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the SBI CARDS share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of SBI CARDS the stake stands at 68.6%.
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 SBI CARDS.
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%.
SBI CARDS paid Rs 2.5, and its dividend payout ratio stood at 9.9%.
You may visit here to review the dividend history of BENGAL & ASSAM, and the dividend history of SBI CARDS.
For a sector overview, read our finance sector report.
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