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- BENGAL & ASSAM - BHARAT FINANCIAL INCLUSION
BENGAL & ASSAM vs BHARAT FINANCIAL INCLUSION - Comparison Results
Current Valuations
| BENGAL & ASSAM | BHARAT FINANCIAL INCLUSION | BENGAL & ASSAM/ BHARAT FINANCIAL INCLUSION |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.3 | 12.8 | 26.2% | View Chart |
| P/BV | x | 1.2 | 4.3 | 26.9% | View Chart |
| Dividend Yield | % | 0.4 | 0.0 | - |
Financials
 BENGAL & ASSAM  BHARAT FINANCIAL INCLUSION |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-24 |
BHARAT FINANCIAL INCLUSION Mar-18 |
BENGAL & ASSAM/ BHARAT FINANCIAL INCLUSION |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 10,389 | 1,107 | 938.5% | |
| Low | Rs | 3,251 | 651 | 499.7% | |
| Income per share (Unadj.) | Rs | 11,431.3 | 137.6 | 8,306.8% | |
| Earnings per share (Unadj.) | Rs | 3,443.9 | 32.7 | 10,534.0% | |
| Cash flow per share (Unadj.) | Rs | 13,785.3 | -7,323,114.8 | -0.2% | |
| Dividends per share (Unadj.) | Rs | 40.00 | 0 | - | |
| Avg Dividend yield | % | 0.6 | 0 | - | |
| Book value per share (Unadj.) | Rs | 8,013.7 | 209.6 | 3,823.1% | |
| Shares outstanding (eoy) | m | 11.30 | 139.32 | 8.1% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 6.4 | 9.3% | |
| Avg P/E ratio | x | 2.0 | 26.9 | 7.4% | |
| Avg P/CF ratio | x | 2.0 | 0 | 1,649,667.6% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 4.2 | 20.3% | |
| Dividend payout | % | 1.2 | 0 | - | |
| Avg Mkt Cap | Rs m | 77,040 | 122,435 | 62.9% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 12,790 | 5,264 | 243.0% | |
| 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 | 19,172 | 673.8% | |
| Other income | Rs m | 774 | 2,244 | 34.5% | |
| Interest expense | Rs m | 3,655 | 7,104 | 51.5% | |
| Net interest income | Rs m | 125,519 | 12,068 | 1,040.1% | |
| Operating expense | Rs m | 110,438 | 9,632 | 1,146.6% | |
| Gross profit | Rs m | 15,081 | 2,436 | 619.0% | |
| Gross profit margin | % | 11.7 | 12.7 | 91.9% | |
| Provisions/contingencies | Rs m | 1 | 1,020,270,534 | 0.0% | |
| Profit before tax | Rs m | 41,092 | 4,548 | 903.6% | |
| 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 | -7 | -91,857.8% | |
| Profit after tax | Rs m | 38,916 | 4,555 | 854.4% | |
| Net profit margin | % | 30.1 | 23.8 | 126.8% | |
| 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 | 75.6 | 182.5% | |
| Net fixed assets | Rs m | 4,381 | 217 | 2,015.0% | |
| Share capital | Rs m | 113 | 1,393 | 8.1% | |
| Free reserves | Rs m | 90,442 | 27,810 | 325.2% | |
| Net worth | Rs m | 90,555 | 29,203 | 310.1% | |
| Borrowings | Rs m | 1,403 | 6,064 | 23.1% | |
| Investments | Rs m | 90,945 | 15,960 | 569.8% | |
| Total assets | Rs m | 104,372 | 115,307 | 90.5% | |
| Debt/equity ratio | x | 0 | 0.2 | 11.1% | |
| Return on assets | % | 37.3 | 4.0 | 943.9% | |
| Return on equity | % | 43.0 | 15.6 | 275.5% | |
| Capital adequacy ratio | % | 0 | 33.2 | 0.0% | |
| Net NPAs | % | 0 | 0.1 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 18,172 | -11,618 | -156.4% | |
| From Investments | Rs m | -12,602 | -129 | 9,733.7% | |
| From Financial Activity | Rs m | -5,899 | 5,282 | -111.7% | |
| Net Cashflow | Rs m | -1,651 | -6,465 | 25.5% | |
Share Holding
| Indian Promoters | % | 73.0 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 1.6 | - | |
| Indian inst/Mut Fund | % | 4.6 | 85.0 | 5.4% | |
| FIIs | % | 4.6 | 60.3 | 7.5% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 98.4 | 27.4% | |
| Shareholders | 21,119 | 34,575 | 61.1% | ||
| 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 SKS MICROFINANCE
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 SKS MICROFINANCE Share Price Performance
| Period | BENGAL & ASSAM | SKS MICROFINANCE |
|---|---|---|
| 1-Day | 0.89% | -0.81% |
| 1-Month | -6.81% | -13.85% |
| 1-Year | 15.63% | -23.28% |
| 3-Year CAGR | 66.90% | 5.58% |
| 5-Year CAGR | 50.27% | 26.25% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the SKS MICROFINANCE share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of SKS MICROFINANCE the stake stands at 1.6%.
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 SKS MICROFINANCE.
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%.
SKS MICROFINANCE 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 SKS MICROFINANCE.
For a sector overview, read our finance sector report.
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