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- BENGAL & ASSAM - MAHINDRA & MAHINDRA FINANCIAL SERVICES
BENGAL & ASSAM vs MAHINDRA & MAHINDRA FINANCIAL SERVICES - Comparison Results
Current Valuations
| BENGAL & ASSAM | MAHINDRA & MAHINDRA FINANCIAL SERVICES | BENGAL & ASSAM/ MAHINDRA & MAHINDRA FINANCIAL SERVICES |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 2.6 | 17.0 | 15.3% | View Chart |
| P/BV | x | 1.7 | 1.7 | 97.7% | View Chart |
| Dividend Yield | % | 0.3 | 2.3 | 13.1% |
Financials
 BENGAL & ASSAM  MAHINDRA & MAHINDRA FINANCIAL SERVICES |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-23 |
MAHINDRA & MAHINDRA FINANCIAL SERVICES Mar-23 |
BENGAL & ASSAM/ MAHINDRA & MAHINDRA FINANCIAL SERVICES |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 4,662 | 272 | 1,713.9% | |
| Low | Rs | 2,161 | 158 | 1,365.6% | |
| Income per share (Unadj.) | Rs | 14,594.4 | 102.9 | 14,176.6% | |
| Earnings per share (Unadj.) | Rs | 829.8 | 16.8 | 4,939.6% | |
| Cash flow per share (Unadj.) | Rs | 13,658.5 | 72.1 | 18,931.8% | |
| Dividends per share (Unadj.) | Rs | 25.00 | 6.00 | 416.7% | |
| Avg Dividend yield | % | 0.7 | 2.8 | 26.3% | |
| Book value per share (Unadj.) | Rs | 4,879.1 | 150.1 | 3,249.9% | |
| Shares outstanding (eoy) | m | 11.30 | 1,233.60 | 0.9% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.2 | 2.1 | 11.2% | |
| Avg P/E ratio | x | 4.1 | 12.8 | 32.1% | |
| Avg P/CF ratio | x | 2.5 | 12.7 | 19.5% | |
| Avg Price/Bookvalue ratio | x | 0.7 | 1.4 | 48.8% | |
| Dividend payout | % | 3.0 | 35.7 | 8.4% | |
| Avg Mkt Cap | Rs m | 38,537 | 265,378 | 14.5% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 14,508 | 21,153 | 68.6% | |
| 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 | 164,916 | 126,995 | 129.9% | |
| Other income | Rs m | 835 | 15,570 | 5.4% | |
| Interest expense | Rs m | 4,878 | 50,943 | 9.6% | |
| Net interest income | Rs m | 160,038 | 76,052 | 210.4% | |
| Operating expense | Rs m | 149,030 | 61,198 | 243.5% | |
| Gross profit | Rs m | 11,008 | 14,854 | 74.1% | |
| Gross profit margin | % | 6.7 | 11.7 | 57.1% | |
| Provisions/contingencies | Rs m | 6,209 | 248 | 2,498.6% | |
| Profit before tax | Rs m | 6,670 | 28,038 | 23.8% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -1,329 | 12 | -11,078.5% | |
| Prior Period Items | Rs m | 6,179 | 0 | - | |
| Tax | Rs m | 2,142 | 7,326 | 29.2% | |
| Profit after tax | Rs m | 9,377 | 20,724 | 45.2% | |
| Net profit margin | % | 5.7 | 16.3 | 34.8% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 0 | 34,811 | 0.0% | |
| Deposits | Rs m | 1,229 | 54,587 | 2.3% | |
| Credit/Deposit ratio | x | 0 | 63.8 | 0.0% | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 9.8 | 0.0% | |
| Net Interest Margin | % | 439.9 | 50.1 | 877.9% | |
| Net fixed assets | Rs m | 69,027 | 8,706 | 792.9% | |
| Share capital | Rs m | 113 | 2,467 | 4.6% | |
| Free reserves | Rs m | 55,021 | 182,732 | 30.1% | |
| Net worth | Rs m | 55,134 | 185,199 | 29.8% | |
| Borrowings | Rs m | 21,272 | 50,384 | 42.2% | |
| Investments | Rs m | 36,385 | 116,974 | 31.1% | |
| Total assets | Rs m | 172,260 | 1,043,390 | 16.5% | |
| Debt/equity ratio | x | 0.5 | 0.6 | 95.4% | |
| Return on assets | % | 5.4 | 2.0 | 274.1% | |
| Return on equity | % | 17.0 | 11.2 | 152.0% | |
| Capital adequacy ratio | % | 0 | 22.5 | 0.0% | |
| Net NPAs | % | 0 | 1.9 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 14,373 | -173,953 | -8.3% | |
| From Investments | Rs m | -6,502 | -16,354 | 39.8% | |
| From Financial Activity | Rs m | -7,782 | 188,520 | -4.1% | |
| Net Cashflow | Rs m | 119 | -1,787 | -6.6% | |
Share Holding
| Indian Promoters | % | 73.0 | 52.2 | 140.0% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 4.3 | 40.6 | 10.6% | |
| FIIs | % | 4.3 | 12.0 | 36.1% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 47.8 | 56.4% | |
| Shareholders | 21,019 | 227,512 | 9.2% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare BENGAL & ASSAM With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS TATA INVESTMENT
More on BENGAL & ASSAM vs M&M 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 M&M Financial Share Price Performance
| Period | BENGAL & ASSAM | M&M Financial |
|---|---|---|
| 1-Day | -0.36% | -2.66% |
| 1-Month | -5.80% | -12.99% |
| 1-Year | 122.43% | -11.65% |
| 3-Year CAGR | 82.65% | 18.63% |
| 5-Year CAGR | 38.90% | 1.50% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the M&M Financial share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of M&M Financial the stake stands at 52.2%.
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 M&M Financial.
Finally, a word on dividends...
In the most recent financial year, BENGAL & ASSAM paid a dividend of Rs 25.0 per share. This amounted to a Dividend Payout ratio of 3.0%.
M&M Financial paid Rs 6.0, and its dividend payout ratio stood at 35.7%.
You may visit here to review the dividend history of BENGAL & ASSAM, and the dividend history of M&M Financial.
For a sector overview, read our finance sector report.
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