BENGAL & ASSAM vs GEETANJALI CREDIT - Comparison Results
Current Valuations
| BENGAL & ASSAM | GEETANJALI CREDIT | BENGAL & ASSAM/ GEETANJALI CREDIT |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 24.9 | 20.3 | 122.6% | View Chart |
| P/BV | x | 0.7 | 1.1 | 65.9% | View Chart |
| Dividend Yield | % | 0.8 | 0.0 | - |
Financials
 BENGAL & ASSAM  GEETANJALI CREDIT |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-25 |
GEETANJALI CREDIT Mar-26 |
BENGAL & ASSAM/ GEETANJALI CREDIT |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 11,499 | 6 | 185,765.8% | |
| Low | Rs | 6,220 | 3 | 198,722.0% | |
| Income per share (Unadj.) | Rs | 1,883.1 | 0.2 | 924,810.5% | |
| Earnings per share (Unadj.) | Rs | 648.0 | 0 | 1,909,557.3% | |
| Cash flow per share (Unadj.) | Rs | 2,166.9 | -0.8 | -274,431.3% | |
| Dividends per share (Unadj.) | Rs | 50.00 | 0 | - | |
| Avg Dividend yield | % | 0.6 | 0 | - | |
| Book value per share (Unadj.) | Rs | 8,638.5 | 7.0 | 122,891.0% | |
| Shares outstanding (eoy) | m | 11.30 | 4.42 | 255.7% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 4.7 | 22.9 | 20.6% | |
| Avg P/E ratio | x | 13.7 | 137.3 | 10.0% | |
| Avg P/CF ratio | x | 11.9 | 4.5 | 260.9% | |
| Avg Price/Bookvalue ratio | x | 1.0 | 0.7 | 154.7% | |
| Dividend payout | % | 7.7 | 0 | - | |
| Avg Mkt Cap | Rs m | 100,079 | 21 | 485,997.4% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 2,894 | 0 | 1,378,181.0% | |
| 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 | 21,279 | 1 | 2,364,334.4% | |
| Other income | Rs m | 989 | 0 | - | |
| Interest expense | Rs m | 439 | 0 | 4,385,600.0% | |
| Net interest income | Rs m | 20,840 | 1 | 2,341,623.6% | |
| Operating expense | Rs m | 17,267 | 1 | 2,333,417.6% | |
| Gross profit | Rs m | 3,573 | 0 | 2,382,106.7% | |
| Gross profit margin | % | 16.8 | 16.7 | 100.8% | |
| Provisions/contingencies | Rs m | 1,115 | 4 | 25,447.7% | |
| Profit before tax | Rs m | 4,002 | 0 | 2,668,066.7% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -225 | 0 | - | |
| Prior Period Items | Rs m | 4,557 | 0 | - | |
| Tax | Rs m | 1,010 | 0 | - | |
| Profit after tax | Rs m | 7,323 | 0 | 4,881,900.0% | |
| Net profit margin | % | 34.4 | 16.7 | 206.5% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 0 | 0 | - | |
| Deposits | Rs m | 49 | 0 | - | |
| Credit/Deposit ratio | x | 0 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 0 | - | |
| Net Interest Margin | % | 21.0 | 2.8 | 763.3% | |
| Net fixed assets | Rs m | 4,570 | 0 | - | |
| Share capital | Rs m | 113 | 44 | 255.6% | |
| Free reserves | Rs m | 97,502 | -13 | -743,157.6% | |
| Net worth | Rs m | 97,615 | 31 | 314,178.4% | |
| Borrowings | Rs m | 3,101 | 1 | 329,860.6% | |
| Investments | Rs m | 99,015 | 32 | 308,169.5% | |
| Total assets | Rs m | 113,364 | 34 | 336,691.2% | |
| Debt/equity ratio | x | 0 | 0 | 127.4% | |
| Return on assets | % | 6.5 | 0.4 | 1,450.0% | |
| Return on equity | % | 7.5 | 0.5 | 1,553.9% | |
| Capital adequacy ratio | % | 0 | 0 | - | |
| Net NPAs | % | 0 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 2,944 | -1 | -507,525.9% | |
| From Investments | Rs m | -2,858 | NA | - | |
| From Financial Activity | Rs m | 389 | NA | 79,426.5% | |
| Net Cashflow | Rs m | 472 | 0 | -523,900.0% | |
Share Holding
| Indian Promoters | % | 72.9 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 4.4 | 0.0 | - | |
| FIIs | % | 4.4 | 0.0 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.1 | 100.0 | 27.1% | |
| Shareholders | 25,138 | 2,698 | 931.7% | ||
| 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 GEETANJALI CREDIT
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 GEETANJALI CREDIT Share Price Performance
| Period | BENGAL & ASSAM | GEETANJALI CREDIT |
|---|---|---|
| 1-Day | -1.41% | 0.00% |
| 1-Month | -1.65% | 4.88% |
| 1-Year | -21.94% | 113.54% |
| 3-Year CAGR | 8.19% | 64.71% |
| 5-Year CAGR | 26.27% | 45.39% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the GEETANJALI CREDIT share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 72.9% stake in the company. In case of GEETANJALI CREDIT the stake stands at 0.0%.
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 GEETANJALI CREDIT.
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 7.7%.
GEETANJALI CREDIT paid Rs 0.0, and its dividend payout ratio stood at 0.0%.
You may visit here to review the dividend history of BENGAL & ASSAM, and the dividend history of GEETANJALI CREDIT.
For a sector overview, read our finance sector report.
Today's Market
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Sensex Today Ends 455 Points Lower | Nifty Below 24,600 | Bajaj Finance Down 6%(Closing)
Sensex Today Ends 455 Points Lower | Nifty Below 24,600 | Bajaj Finance Down 6%Although the benchmark indices opened lower, they traded negative throughout the session and ultimately closed red.
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