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- BENGAL & ASSAM - UJJIVAN FINANCIAL SERVICES
BENGAL & ASSAM vs UJJIVAN FINANCIAL SERVICES - Comparison Results
Current Valuations
| BENGAL & ASSAM | UJJIVAN FINANCIAL SERVICES | BENGAL & ASSAM/ UJJIVAN FINANCIAL SERVICES |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.4 | 6.4 | 53.1% | View Chart |
| P/BV | x | 1.2 | 2.3 | 52.0% | View Chart |
| Dividend Yield | % | 0.4 | 0.8 | 49.9% |
Financials
 BENGAL & ASSAM  UJJIVAN FINANCIAL SERVICES |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-24 |
UJJIVAN FINANCIAL SERVICES Mar-23 |
BENGAL & ASSAM/ UJJIVAN FINANCIAL SERVICES |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 10,389 | 313 | 3,316.0% | |
| Low | Rs | 3,251 | 103 | 3,159.4% | |
| Income per share (Unadj.) | Rs | 11,431.3 | 363.4 | 3,146.0% | |
| Earnings per share (Unadj.) | Rs | 3,443.9 | 73.2 | 4,704.6% | |
| Cash flow per share (Unadj.) | Rs | 13,785.3 | 226.8 | 6,077.0% | |
| Dividends per share (Unadj.) | Rs | 40.00 | 5.00 | 800.0% | |
| Avg Dividend yield | % | 0.6 | 2.4 | 24.4% | |
| Book value per share (Unadj.) | Rs | 8,013.7 | 259.9 | 3,083.7% | |
| Shares outstanding (eoy) | m | 11.30 | 121.68 | 9.3% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 0.6 | 104.1% | |
| Avg P/E ratio | x | 2.0 | 2.8 | 69.6% | |
| Avg P/CF ratio | x | 2.0 | 2.5 | 78.5% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 0.8 | 106.2% | |
| Dividend payout | % | 1.2 | 6.8 | 17.0% | |
| Avg Mkt Cap | Rs m | 77,040 | 25,321 | 304.3% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 12,790 | 9,298 | 137.6% | |
| 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 | 44,213 | 292.2% | |
| Other income | Rs m | 774 | 3,582 | 21.6% | |
| Interest expense | Rs m | 3,655 | 14,931 | 24.5% | |
| Net interest income | Rs m | 125,519 | 29,282 | 428.7% | |
| Operating expense | Rs m | 110,438 | 15,928 | 693.4% | |
| Gross profit | Rs m | 15,081 | 13,354 | 112.9% | |
| Gross profit margin | % | 11.7 | 30.2 | 38.7% | |
| Provisions/contingencies | Rs m | 1 | 1,138 | 0.1% | |
| Profit before tax | Rs m | 41,092 | 15,308 | 268.4% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -3,020 | -2,496 | 121.0% | |
| Prior Period Items | Rs m | 7,264 | 0 | - | |
| Tax | Rs m | 6,421 | 3,905 | 164.4% | |
| Profit after tax | Rs m | 38,916 | 8,907 | 436.9% | |
| Net profit margin | % | 30.1 | 20.1 | 149.5% | |
| 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 | 33.9 | 407.4% | |
| Net fixed assets | Rs m | 4,381 | 6,836 | 64.1% | |
| Share capital | Rs m | 113 | 1,217 | 9.3% | |
| Free reserves | Rs m | 90,442 | 30,405 | 297.5% | |
| Net worth | Rs m | 90,555 | 31,622 | 286.4% | |
| Borrowings | Rs m | 1,403 | 0 | - | |
| Investments | Rs m | 90,945 | 86,441 | 105.2% | |
| Total assets | Rs m | 104,372 | 351,533 | 29.7% | |
| Debt/equity ratio | x | 0 | 0 | - | |
| Return on assets | % | 37.3 | 2.5 | 1,471.5% | |
| Return on equity | % | 43.0 | 28.2 | 152.6% | |
| Capital adequacy ratio | % | 0 | 25.8 | 0.0% | |
| Net NPAs | % | 0 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 18,172 | 20,727 | 87.7% | |
| From Investments | Rs m | -12,602 | -45,541 | 27.7% | |
| From Financial Activity | Rs m | -5,899 | 26,402 | -22.3% | |
| Net Cashflow | Rs m | -1,651 | 1,587 | -104.0% | |
Share Holding
| Indian Promoters | % | 73.0 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 4.6 | 42.7 | 10.7% | |
| FIIs | % | 4.6 | 35.3 | 12.9% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 100.0 | 27.0% | |
| Shareholders | 21,119 | 96,524 | 21.9% | ||
| 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 UJJIVAN FINANCIAL SERVICES
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 UJJIVAN FINANCIAL SERVICES Share Price Performance
| Period | BENGAL & ASSAM | UJJIVAN FINANCIAL SERVICES |
|---|---|---|
| 1-Day | 1.31% | 2.74% |
| 1-Month | -4.93% | 9.85% |
| 1-Year | 17.60% | 109.49% |
| 3-Year CAGR | 64.31% | 43.13% |
| 5-Year CAGR | 50.74% | 12.86% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the UJJIVAN FINANCIAL SERVICES share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of UJJIVAN FINANCIAL SERVICES the stake stands at 0.0%.
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 UJJIVAN FINANCIAL SERVICES.
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%.
UJJIVAN FINANCIAL SERVICES paid Rs 5.0, and its dividend payout ratio stood at 6.8%.
You may visit here to review the dividend history of BENGAL & ASSAM, and the dividend history of UJJIVAN FINANCIAL SERVICES.
For a sector overview, read our finance sector report.
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