BENGAL & ASSAM vs BAJAJ FINANCE - Comparison Results
Current Valuations
| BENGAL & ASSAM | BAJAJ FINANCE | BENGAL & ASSAM/ BAJAJ FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 25.6 | 30.5 | 83.8% | View Chart |
| P/BV | x | 0.7 | 5.6 | 12.1% | View Chart |
| Dividend Yield | % | 0.8 | 0.6 | 133.4% |
Financials
 BENGAL & ASSAM  BAJAJ FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-26 |
BAJAJ FINANCE Mar-26 |
BENGAL & ASSAM/ BAJAJ FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 9,200 | 1,102 | 834.5% | |
| Low | Rs | 5,312 | 788 | 673.8% | |
| Income per share (Unadj.) | Rs | 2,085.0 | 131.8 | 1,581.3% | |
| Earnings per share (Unadj.) | Rs | 722.2 | 30.6 | 2,361.3% | |
| Cash flow per share (Unadj.) | Rs | 2,479.2 | 84.1 | 2,948.3% | |
| Dividends per share (Unadj.) | Rs | 50.00 | 6.00 | 833.3% | |
| Avg Dividend yield | % | 0.7 | 0.6 | 108.6% | |
| Book value per share (Unadj.) | Rs | 9,374.7 | 181.4 | 5,167.7% | |
| Shares outstanding (eoy) | m | 11.40 | 6,217.88 | 0.2% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 3.5 | 7.2 | 48.6% | |
| Avg P/E ratio | x | 10.1 | 30.9 | 32.5% | |
| Avg P/CF ratio | x | 9.1 | 30.9 | 29.6% | |
| Avg Price/Bookvalue ratio | x | 0.8 | 5.2 | 14.9% | |
| Dividend payout | % | 6.9 | 19.6 | 35.3% | |
| Avg Mkt Cap | Rs m | 82,747 | 5,878,536 | 1.4% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 3,083 | 89,785 | 3.4% | |
| 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 | 23,769 | 819,824 | 2.9% | |
| Other income | Rs m | 1,184 | 8,068 | 14.7% | |
| Interest expense | Rs m | 505 | 288,989 | 0.2% | |
| Net interest income | Rs m | 23,264 | 530,835 | 4.4% | |
| Operating expense | Rs m | 19,935 | 268,159 | 7.4% | |
| Gross profit | Rs m | 3,329 | 262,676 | 1.3% | |
| Gross profit margin | % | 14.0 | 32.0 | 43.7% | |
| Provisions/contingencies | Rs m | 832 | 312 | 266.7% | |
| Profit before tax | Rs m | 3,767 | 258,167 | 1.5% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -201 | -3,150 | 6.4% | |
| Prior Period Items | Rs m | 5,594 | 0 | - | |
| Tax | Rs m | 927 | 64,843 | 1.4% | |
| Profit after tax | Rs m | 8,233 | 190,174 | 4.3% | |
| Net profit margin | % | 34.6 | 23.2 | 149.3% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 0 | 4,989,435 | 0.0% | |
| Deposits | Rs m | 20 | 342,905 | 0.0% | |
| Credit/Deposit ratio | x | 0 | 1,455.0 | 0.0% | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 16.2 | 0.0% | |
| Net Interest Margin | % | 21.5 | 10.0 | 215.3% | |
| Net fixed assets | Rs m | 4,662 | 39,466 | 11.8% | |
| Share capital | Rs m | 114 | 6,218 | 1.8% | |
| Free reserves | Rs m | 106,758 | 1,121,764 | 9.5% | |
| Net worth | Rs m | 106,872 | 1,127,982 | 9.5% | |
| Borrowings | Rs m | 4,050 | 1,559,772 | 0.3% | |
| Investments | Rs m | 108,451 | 338,086 | 32.1% | |
| Total assets | Rs m | 124,260 | 5,583,923 | 2.2% | |
| Debt/equity ratio | x | 0 | 1.7 | 2.7% | |
| Return on assets | % | 6.6 | 3.4 | 194.5% | |
| Return on equity | % | 7.7 | 16.9 | 45.7% | |
| Capital adequacy ratio | % | 0 | 21.6 | 0.0% | |
| Net NPAs | % | 0 | 0.5 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 2,523 | -657,898 | -0.4% | |
| From Investments | Rs m | -2,015 | -33,886 | 5.9% | |
| From Financial Activity | Rs m | -303 | 674,329 | -0.0% | |
| Net Cashflow | Rs m | 200 | -17,456 | -1.1% | |
Share Holding
| Indian Promoters | % | 72.9 | 54.7 | 133.3% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 4.4 | 36.6 | 12.1% | |
| FIIs | % | 4.4 | 20.2 | 21.8% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.1 | 45.3 | 59.8% | |
| Shareholders | 25,138 | 985,158 | 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 | 0.18% | 0.07% |
| 1-Month | 1.77% | -7.30% |
| 1-Year | -28.10% | 0.73% |
| 3-Year CAGR | 6.40% | 10.22% |
| 5-Year CAGR | 21.34% | 6.40% |
* 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 72.9% 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 50.0 per share. This amounted to a Dividend Payout ratio of 6.9%.
Bajaj Finance paid Rs 6.0, and its dividend payout ratio stood at 19.6%.
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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