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CREDITACCESS GRAMEEN vs ALFRED HERB - Comparison Results

Rs 100 invested in...

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Current Valuations

    CREDITACCESS GRAMEEN ALFRED HERB CREDITACCESS GRAMEEN/
ALFRED HERB
 
P/E (TTM) x 17.4 94.3 18.4% View Chart
P/BV x 4.6 1.3 357.3% View Chart
Dividend Yield % 0.0 0.2 -  

Financials

 CREDITACCESS GRAMEEN   ALFRED HERB
EQUITY SHARE DATA
    CREDITACCESS GRAMEEN
Mar-23
ALFRED HERB
Mar-23
CREDITACCESS GRAMEEN/
ALFRED HERB
5-Yr Chart
Click to enlarge
High Rs1,154792 145.8%   
Low Rs834566 147.3%   
Income per share (Unadj.) Rs223.135.9 621.7%  
Earnings per share (Unadj.) Rs52.026.6 195.3%  
Cash flow per share (Unadj.) Rs142.1-30.9 -459.2%  
Dividends per share (Unadj.) Rs03.50 0.0%  
Avg Dividend yield %00.5 0.0%  
Book value per share (Unadj.) Rs320.21,366.6 23.4%  
Shares outstanding (eoy) m158.910.77 20,637.7%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x4.519.0 23.5%   
Avg P/E ratio x19.125.6 74.8%  
Avg P/CF ratio x18.56.4 287.8%  
Avg Price/Bookvalue ratio x3.10.5 623.7%  
Dividend payout %013.2 0.0%   
Avg Mkt Cap Rs m157,989524 30,155.4%   
No. of employees `000NANA-   
Total wages & salary Rs m5,1525 105,366.1%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m35,45128 128,306.9%  
Other income Rs m5711 493.9%   
Interest expense Rs m12,1610 4,053,733.3%   
Net interest income Rs m23,29027 85,186.5%  
Operating expense Rs m11,79417 68,213.4%   
Gross profit Rs m11,49610 114,387.1%  
Gross profit margin %32.436.4 89.2%  
Provisions/contingencies Rs m26561 434.6%   
Profit before tax Rs m11,05420 55,970.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2,794-1 -377,513.5%   
Profit after tax Rs m8,26121 40,295.6%  
Net profit margin %23.374.2 31.4%  
BALANCE SHEET DATA
Advances Rs m190,4330-   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-  
Cost of deposits %00-  
Net Interest Margin %11.63.8 302.2%  
Net fixed assets Rs m5,99010 59,075.9%   
Share capital Rs m1,5898 20,610.9%   
Free reserves Rs m49,2871,045 4,718.4%   
Net worth Rs m50,8761,052 4,834.8%   
Borrowings Rs m2530-   
Investments Rs m10,265712 1,442.0%   
Total assets Rs m225,3341,116 20,183.9%  
Debt/equity ratio x00 2,612.3%   
Return on assets %3.71.8 199.7%  
Return on equity %16.21.9 833.6%  
Capital adequacy ratio %23.60-  
Net NPAs %0.40-  
CASH FLOW
From Operations Rs m-32,8985 -685,370.8%  
From Investments Rs m-3,144-2 164,623.0%  
From Financial Activity Rs m33,651-4 -818,751.8%  
Net Cashflow Rs m-2,391-1 196,016.4%  

Share Holding

Indian Promoters % 0.0 40.3 -  
Foreign collaborators % 66.6 33.5 198.6%  
Indian inst/Mut Fund % 27.4 0.0 137,050.0%  
FIIs % 11.7 0.0 -  
ADR/GDR % 0.0 0.0 -  
Free float % 33.4 26.1 127.9%  
Shareholders   69,824 2,003 3,486.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CREDITACCESS GRAMEEN With:   BAJAJ FINANCE    CHOLAMANDALAM INVEST    BAJAJ HOLDINGS & INVESTMENT    SBI CARDS    TATA INVESTMENT    


More on CREDITACCESS GRAMEEN vs ALFRED HERB

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

CREDITACCESS GRAMEEN vs ALFRED HERB Share Price Performance

Period CREDITACCESS GRAMEEN ALFRED HERB
1-Day -0.64% -0.15%
1-Month 4.99% 20.06%
1-Year 51.54% 147.63%
3-Year CAGR 35.88% 43.04%
5-Year CAGR 23.82% 22.38%

* Compound Annual Growth Rate

Here are more details on the CREDITACCESS GRAMEEN share price and the ALFRED HERB share price.

Moving on to shareholding structures...

The promoters of CREDITACCESS GRAMEEN hold a 66.6% stake in the company. In case of ALFRED HERB the stake stands at 73.9%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of CREDITACCESS GRAMEEN and the shareholding pattern of ALFRED HERB.

Finally, a word on dividends...

In the most recent financial year, CREDITACCESS GRAMEEN paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.

ALFRED HERB paid Rs 3.5, and its dividend payout ratio stood at 13.2%.

You may visit here to review the dividend history of CREDITACCESS GRAMEEN, and the dividend history of ALFRED HERB.

For a sector overview, read our finance sector report.



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