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- BENGAL & ASSAM - BAJAJ FINANCE
BENGAL & ASSAM vs BAJAJ FINANCE - Comparison Results
Current Valuations
| BENGAL & ASSAM | BAJAJ FINANCE | BENGAL & ASSAM/ BAJAJ FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 2.6 | 28.9 | 9.2% | View Chart |
| P/BV | x | 1.7 | 7.8 | 22.1% | View Chart |
| Dividend Yield | % | 0.3 | 0.4 | 66.9% |
Financials
 BENGAL & ASSAM  BAJAJ FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-23 |
BAJAJ FINANCE Mar-23 |
BENGAL & ASSAM/ BAJAJ FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 4,662 | 7,777 | 59.9% | |
| Low | Rs | 2,161 | 5,236 | 41.3% | |
| Income per share (Unadj.) | Rs | 14,594.4 | 684.9 | 2,130.8% | |
| Earnings per share (Unadj.) | Rs | 829.8 | 190.4 | 435.9% | |
| Cash flow per share (Unadj.) | Rs | 13,658.5 | 466.9 | 2,925.6% | |
| Dividends per share (Unadj.) | Rs | 25.00 | 30.00 | 83.3% | |
| Avg Dividend yield | % | 0.7 | 0.5 | 158.9% | |
| Book value per share (Unadj.) | Rs | 4,879.1 | 890.4 | 548.0% | |
| Shares outstanding (eoy) | m | 11.30 | 604.42 | 1.9% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.2 | 9.5 | 2.5% | |
| Avg P/E ratio | x | 4.1 | 34.2 | 12.0% | |
| Avg P/CF ratio | x | 2.5 | 34.2 | 7.2% | |
| Avg Price/Bookvalue ratio | x | 0.7 | 7.3 | 9.6% | |
| Dividend payout | % | 3.0 | 15.8 | 19.1% | |
| Avg Mkt Cap | Rs m | 38,537 | 3,932,543 | 1.0% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 14,508 | 50,591 | 28.7% | |
| 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 | 413,974 | 39.8% | |
| Other income | Rs m | 835 | 83 | 1,004.9% | |
| Interest expense | Rs m | 4,878 | 127,013 | 3.8% | |
| Net interest income | Rs m | 160,038 | 286,961 | 55.8% | |
| Operating expense | Rs m | 149,030 | 126,929 | 117.4% | |
| Gross profit | Rs m | 11,008 | 160,033 | 6.9% | |
| Gross profit margin | % | 6.7 | 38.7 | 17.3% | |
| Provisions/contingencies | Rs m | 6,209 | 29 | 21,632.8% | |
| Profit before tax | Rs m | 6,670 | 155,279 | 4.3% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -1,329 | 0 | - | |
| Prior Period Items | Rs m | 6,179 | 0 | - | |
| Tax | Rs m | 2,142 | 40,202 | 5.3% | |
| Profit after tax | Rs m | 9,377 | 115,077 | 8.1% | |
| Net profit margin | % | 5.7 | 27.8 | 20.5% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 0 | 2,422,689 | 0.0% | |
| Deposits | Rs m | 1,229 | 446,656 | 0.3% | |
| Credit/Deposit ratio | x | 0 | 542.4 | 0.0% | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 5.9 | 0.0% | |
| Net Interest Margin | % | 439.9 | 10.8 | 4,067.0% | |
| Net fixed assets | Rs m | 69,027 | 23,076 | 299.1% | |
| Share capital | Rs m | 113 | 1,209 | 9.3% | |
| Free reserves | Rs m | 55,021 | 536,956 | 10.2% | |
| Net worth | Rs m | 55,134 | 538,165 | 10.2% | |
| Borrowings | Rs m | 21,272 | 222,689 | 9.6% | |
| Investments | Rs m | 36,385 | 230,624 | 15.8% | |
| Total assets | Rs m | 172,260 | 2,742,916 | 6.3% | |
| Debt/equity ratio | x | 0.5 | 1.2 | 43.5% | |
| Return on assets | % | 5.4 | 4.2 | 129.8% | |
| Return on equity | % | 17.0 | 21.4 | 79.5% | |
| Capital adequacy ratio | % | 0 | 25.0 | 0.0% | |
| Net NPAs | % | 0 | 0.4 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 14,373 | -421,404 | -3.4% | |
| From Investments | Rs m | -6,502 | -103,653 | 6.3% | |
| From Financial Activity | Rs m | -7,782 | 506,750 | -1.5% | |
| Net Cashflow | Rs m | 119 | -18,307 | -0.6% | |
Share Holding
| Indian Promoters | % | 73.0 | 54.7 | 133.5% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 4.3 | 35.0 | 12.4% | |
| FIIs | % | 4.3 | 20.6 | 21.0% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 45.3 | 59.6% | |
| Shareholders | 21,019 | 799,199 | 2.6% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare BENGAL & ASSAM With: BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS TATA INVESTMENT AAVAS FINANCIERS
More on BENGAL & ASSAM vs Bajaj Finance
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 Bajaj Finance Share Price Performance
| Period | BENGAL & ASSAM | Bajaj Finance |
|---|---|---|
| 1-Day | 0.37% | -7.73% |
| 1-Month | 7.55% | -2.61% |
| 1-Year | 135.10% | 11.15% |
| 3-Year CAGR | 84.45% | 12.47% |
| 5-Year CAGR | 38.75% | 16.83% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the Bajaj Finance share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of Bajaj Finance the stake stands at 54.7%.
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 Bajaj Finance.
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%.
Bajaj Finance paid Rs 30.0, and its dividend payout ratio stood at 15.8%.
You may visit here to review the dividend history of BENGAL & ASSAM, and the dividend history of Bajaj Finance.
For a sector overview, read our finance sector report.
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