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- BENGAL & ASSAM - SPANDANA SPHOORTY FINANCIAL
BENGAL & ASSAM vs SPANDANA SPHOORTY FINANCIAL - Comparison Results
Current Valuations
| BENGAL & ASSAM | SPANDANA SPHOORTY FINANCIAL | BENGAL & ASSAM/ SPANDANA SPHOORTY FINANCIAL |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.4 | 27.6 | 12.3% | View Chart |
| P/BV | x | 1.2 | 0.7 | 160.6% | View Chart |
| Dividend Yield | % | 0.4 | 0.0 | - |
Financials
 BENGAL & ASSAM  SPANDANA SPHOORTY FINANCIAL |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-24 |
SPANDANA SPHOORTY FINANCIAL Mar-24 |
BENGAL & ASSAM/ SPANDANA SPHOORTY FINANCIAL |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 10,389 | 1,243 | 835.7% | |
| Low | Rs | 3,251 | 528 | 615.5% | |
| Income per share (Unadj.) | Rs | 11,431.3 | 339.9 | 3,362.8% | |
| Earnings per share (Unadj.) | Rs | 3,443.9 | 70.2 | 4,904.5% | |
| Cash flow per share (Unadj.) | Rs | 13,785.3 | 222.0 | 6,210.7% | |
| Dividends per share (Unadj.) | Rs | 40.00 | 0 | - | |
| Avg Dividend yield | % | 0.6 | 0 | - | |
| Book value per share (Unadj.) | Rs | 8,013.7 | 502.4 | 1,594.9% | |
| Shares outstanding (eoy) | m | 11.30 | 71.30 | 15.8% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 2.6 | 22.9% | |
| Avg P/E ratio | x | 2.0 | 12.6 | 15.7% | |
| Avg P/CF ratio | x | 2.0 | 12.6 | 15.7% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 1.8 | 48.3% | |
| Dividend payout | % | 1.2 | 0 | - | |
| Avg Mkt Cap | Rs m | 77,040 | 63,145 | 122.0% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 12,790 | 4,732 | 270.3% | |
| 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 | 24,237 | 533.0% | |
| Other income | Rs m | 774 | 1,102 | 70.2% | |
| Interest expense | Rs m | 3,655 | 9,297 | 39.3% | |
| Net interest income | Rs m | 125,519 | 14,941 | 840.1% | |
| Operating expense | Rs m | 110,438 | 9,133 | 1,209.2% | |
| Gross profit | Rs m | 15,081 | 5,807 | 259.7% | |
| Gross profit margin | % | 11.7 | 24.0 | 48.7% | |
| Provisions/contingencies | Rs m | 1 | 12 | 5.9% | |
| Profit before tax | Rs m | 41,092 | 6,706 | 612.8% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -3,020 | -1 | 503,345.0% | |
| Prior Period Items | Rs m | 7,264 | 0 | - | |
| Tax | Rs m | 6,421 | 1,699 | 378.0% | |
| Profit after tax | Rs m | 38,916 | 5,007 | 777.3% | |
| Net profit margin | % | 30.1 | 20.7 | 145.8% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 0 | 110,143 | 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 | 13.4 | 1,033.0% | |
| Net fixed assets | Rs m | 4,381 | 524 | 836.3% | |
| Share capital | Rs m | 113 | 713 | 15.8% | |
| Free reserves | Rs m | 90,442 | 35,112 | 257.6% | |
| Net worth | Rs m | 90,555 | 35,825 | 252.8% | |
| Borrowings | Rs m | 1,403 | 0 | - | |
| Investments | Rs m | 90,945 | 1,678 | 5,421.1% | |
| Total assets | Rs m | 104,372 | 132,498 | 78.8% | |
| Debt/equity ratio | x | 0 | 0 | - | |
| Return on assets | % | 37.3 | 3.8 | 986.7% | |
| Return on equity | % | 43.0 | 14.0 | 307.5% | |
| Capital adequacy ratio | % | 0 | 32.0 | 0.0% | |
| Net NPAs | % | 0 | 0.3 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 18,172 | -27,069 | -67.1% | |
| From Investments | Rs m | -12,602 | 864 | -1,458.8% | |
| From Financial Activity | Rs m | -5,899 | 32,054 | -18.4% | |
| Net Cashflow | Rs m | -1,651 | 5,849 | -28.2% | |
Share Holding
| Indian Promoters | % | 73.0 | 14.7 | 495.3% | |
| Foreign collaborators | % | 0.0 | 41.1 | - | |
| Indian inst/Mut Fund | % | 4.6 | 30.0 | 15.2% | |
| FIIs | % | 4.6 | 22.6 | 20.1% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 44.2 | 61.1% | |
| Shareholders | 21,119 | 73,889 | 28.6% | ||
| 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 SPANDANA SPHOORTY FINANCIAL
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 SPANDANA SPHOORTY FINANCIAL Share Price Performance
| Period | BENGAL & ASSAM | SPANDANA SPHOORTY FINANCIAL |
|---|---|---|
| 1-Day | 1.30% | 1.26% |
| 1-Month | -4.93% | -18.62% |
| 1-Year | 17.60% | -61.07% |
| 3-Year CAGR | 64.31% | -5.42% |
| 5-Year CAGR | 50.74% | -21.55% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the SPANDANA SPHOORTY FINANCIAL share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of SPANDANA SPHOORTY FINANCIAL the stake stands at 55.8%.
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 SPANDANA SPHOORTY FINANCIAL.
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%.
SPANDANA SPHOORTY FINANCIAL 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 SPANDANA SPHOORTY FINANCIAL.
For a sector overview, read our finance sector report.
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