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CREDITACCESS GRAMEEN vs SPS FINQUEST - Comparison Results

Rs 100 invested in...

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Current Valuations

    CREDITACCESS GRAMEEN SPS FINQUEST CREDITACCESS GRAMEEN/
SPS FINQUEST
 
P/E (TTM) x 17.8 -380.3 - View Chart
P/BV x 4.7 1.2 390.3% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 CREDITACCESS GRAMEEN   SPS FINQUEST
EQUITY SHARE DATA
    CREDITACCESS GRAMEEN
Mar-23
SPS FINQUEST
Mar-23
CREDITACCESS GRAMEEN/
SPS FINQUEST
5-Yr Chart
Click to enlarge
High Rs1,154145 796.1%   
Low Rs83469 1,208.8%   
Income per share (Unadj.) Rs223.18.8 2,547.4%  
Earnings per share (Unadj.) Rs52.01.3 3,861.6%  
Cash flow per share (Unadj.) Rs142.15.9 2,411.0%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs320.256.2 570.0%  
Shares outstanding (eoy) m158.9110.14 1,567.2%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x4.512.2 36.5%   
Avg P/E ratio x19.179.5 24.1%  
Avg P/CF ratio x18.579.5 23.3%  
Avg Price/Bookvalue ratio x3.11.9 163.0%  
Dividend payout %00-   
Avg Mkt Cap Rs m157,9891,085 14,564.6%   
No. of employees `000NANA-   
Total wages & salary Rs m5,1523 157,085.4%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m35,45189 39,922.5%  
Other income Rs m572 3,436.4%   
Interest expense Rs m12,16130 40,322.3%   
Net interest income Rs m23,29059 39,710.1%  
Operating expense Rs m11,79426 46,197.0%   
Gross profit Rs m11,49633 34,709.8%  
Gross profit margin %32.437.3 86.9%  
Provisions/contingencies Rs m2650-   
Profit before tax Rs m11,05434 32,284.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2,79421 13,561.2%   
Profit after tax Rs m8,26114 60,517.2%  
Net profit margin %23.315.4 151.6%  
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 %11.69.9 117.2%  
Net fixed assets Rs m5,9902 399,353.3%   
Share capital Rs m1,589101 1,567.5%   
Free reserves Rs m49,287468 10,527.9%   
Net worth Rs m50,876570 8,932.9%   
Borrowings Rs m253251 100.6%   
Investments Rs m10,265592 1,733.5%   
Total assets Rs m225,334864 26,092.7%  
Debt/equity ratio x00.4 1.1%   
Return on assets %3.71.6 232.0%  
Return on equity %16.22.4 677.7%  
Capital adequacy ratio %23.60-  
Net NPAs %0.40-  
CASH FLOW
From Operations Rs m-32,89841 -79,965.5%  
From Investments Rs m-3,144-72 4,377.4%  
From Financial Activity Rs m33,651-76 -44,137.9%  
Net Cashflow Rs m-2,391-107 2,236.4%  

Share Holding

Indian Promoters % 0.0 58.9 -  
Foreign collaborators % 66.6 0.0 -  
Indian inst/Mut Fund % 27.4 0.0 -  
FIIs % 11.7 0.0 -  
ADR/GDR % 0.0 0.0 -  
Free float % 33.4 41.1 81.4%  
Shareholders   69,824 450 15,516.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CREDITACCESS GRAMEEN With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    INDIABULLS HOU. FIN.    


More on CREDITACCESS GRAMEEN vs SPS FINQUEST

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 SPS FINQUEST Share Price Performance

Period CREDITACCESS GRAMEEN SPS FINQUEST
1-Day 1.72% 0.00%
1-Month 7.66% -1.59%
1-Year 54.10% 1.63%
3-Year CAGR 37.07% 8.02%
5-Year CAGR 25.05% 0.64%

* Compound Annual Growth Rate

Here are more details on the CREDITACCESS GRAMEEN share price and the SPS FINQUEST share price.

Moving on to shareholding structures...

The promoters of CREDITACCESS GRAMEEN hold a 66.6% stake in the company. In case of SPS FINQUEST the stake stands at 58.9%.

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 SPS FINQUEST.

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%.

SPS FINQUEST paid Rs 0.0, and its dividend payout ratio stood at 0.0%.

You may visit here to review the dividend history of CREDITACCESS GRAMEEN, and the dividend history of SPS FINQUEST.

For a sector overview, read our finance sector report.



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