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- BENGAL & ASSAM - UPASANA FINANCE
BENGAL & ASSAM vs UPASANA FINANCE - Comparison Results
Current Valuations
| BENGAL & ASSAM | UPASANA FINANCE | BENGAL & ASSAM/ UPASANA FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.4 | 7.4 | 45.7% | View Chart |
| P/BV | x | 1.2 | 1.3 | 91.6% | View Chart |
| Dividend Yield | % | 0.4 | 0.0 | - |
Financials
 BENGAL & ASSAM  UPASANA FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-24 |
UPASANA FINANCE Mar-24 |
BENGAL & ASSAM/ UPASANA FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 10,389 | 60 | 17,460.4% | |
| Low | Rs | 3,251 | 25 | 12,998.8% | |
| Income per share (Unadj.) | Rs | 11,431.3 | 7.9 | 144,883.7% | |
| Earnings per share (Unadj.) | Rs | 3,443.9 | 4.0 | 85,235.7% | |
| Cash flow per share (Unadj.) | Rs | 13,785.3 | -5.4 | -254,299.7% | |
| Dividends per share (Unadj.) | Rs | 40.00 | 0 | - | |
| Avg Dividend yield | % | 0.6 | 0 | - | |
| Book value per share (Unadj.) | Rs | 8,013.7 | 42.3 | 18,949.6% | |
| Shares outstanding (eoy) | m | 11.30 | 8.91 | 126.8% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 5.4 | 11.1% | |
| Avg P/E ratio | x | 2.0 | 10.5 | 18.9% | |
| Avg P/CF ratio | x | 2.0 | 2.7 | 72.6% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 1.0 | 85.1% | |
| Dividend payout | % | 1.2 | 0 | - | |
| Avg Mkt Cap | Rs m | 77,040 | 376 | 20,463.2% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 12,790 | 1 | 1,421,118.9% | |
| 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 | 70 | 183,747.0% | |
| Other income | Rs m | 774 | 0 | - | |
| Interest expense | Rs m | 3,655 | 16 | 22,289.6% | |
| Net interest income | Rs m | 125,519 | 54 | 232,873.2% | |
| Operating expense | Rs m | 110,438 | 6 | 1,972,102.9% | |
| Gross profit | Rs m | 15,081 | 48 | 31,223.3% | |
| Gross profit margin | % | 11.7 | 68.7 | 17.0% | |
| Provisions/contingencies | Rs m | 1 | 102 | 0.7% | |
| Profit before tax | Rs m | 41,092 | 48 | 85,431.1% | |
| 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 | 12 | 53,065.0% | |
| Profit after tax | Rs m | 38,916 | 36 | 108,099.1% | |
| Net profit margin | % | 30.1 | 51.2 | 58.8% | |
| 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 | 0 | - | |
| Net fixed assets | Rs m | 4,381 | 0 | 1,460,230.0% | |
| Share capital | Rs m | 113 | 89 | 126.8% | |
| Free reserves | Rs m | 90,442 | 288 | 31,436.2% | |
| Net worth | Rs m | 90,555 | 377 | 24,032.6% | |
| Borrowings | Rs m | 1,403 | 402 | 348.7% | |
| Investments | Rs m | 90,945 | 0 | - | |
| Total assets | Rs m | 104,372 | 806 | 12,955.8% | |
| Debt/equity ratio | x | 0 | 1.1 | 2.2% | |
| Return on assets | % | 37.3 | 4.5 | 834.4% | |
| Return on equity | % | 43.0 | 9.6 | 449.8% | |
| Capital adequacy ratio | % | 0 | 0 | - | |
| Net NPAs | % | 0 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 18,172 | -239 | -7,616.2% | |
| From Investments | Rs m | -12,602 | NA | - | |
| From Financial Activity | Rs m | -5,899 | 130 | -4,545.0% | |
| Net Cashflow | Rs m | -1,651 | -109 | 1,517.4% | |
Share Holding
| Indian Promoters | % | 73.0 | 27.6 | 264.5% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 4.6 | 0.0 | - | |
| FIIs | % | 4.6 | 0.0 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 72.4 | 37.3% | |
| Shareholders | 21,119 | 6,294 | 335.5% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare BENGAL & ASSAM With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS INDOSTAR CAPITAL
More on BENGAL & ASSAM vs UPASANA FIN.
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 UPASANA FIN. Share Price Performance
| Period | BENGAL & ASSAM | UPASANA FIN. |
|---|---|---|
| 1-Day | 0.06% | 0.02% |
| 1-Month | -6.10% | 5.92% |
| 1-Year | 16.15% | 0.09% |
| 3-Year CAGR | 63.63% | 52.25% |
| 5-Year CAGR | 50.37% | 10.34% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the UPASANA FIN. share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of UPASANA FIN. the stake stands at 27.6%.
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 UPASANA FIN..
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%.
UPASANA FIN. 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 UPASANA FIN..
For a sector overview, read our finance sector report.
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