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- BENGAL & ASSAM - SBI CARDS
BENGAL & ASSAM vs SBI CARDS - Comparison Results
Current Valuations
| BENGAL & ASSAM | SBI CARDS | BENGAL & ASSAM/ SBI CARDS |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 2.6 | 29.6 | 8.9% | View Chart |
| P/BV | x | 1.7 | 7.3 | 23.6% | View Chart |
| Dividend Yield | % | 0.3 | 0.3 | 89.5% |
Financials
 BENGAL & ASSAM  SBI CARDS |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-23 |
SBI CARDS Mar-23 |
BENGAL & ASSAM/ SBI CARDS |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 4,662 | 1,029 | 453.2% | |
| Low | Rs | 2,161 | 656 | 329.4% | |
| Income per share (Unadj.) | Rs | 14,594.4 | 144.5 | 10,102.9% | |
| Earnings per share (Unadj.) | Rs | 829.8 | 23.9 | 3,476.2% | |
| Cash flow per share (Unadj.) | Rs | 13,658.5 | 124.7 | 10,957.4% | |
| Dividends per share (Unadj.) | Rs | 25.00 | 2.50 | 1,000.0% | |
| Avg Dividend yield | % | 0.7 | 0.3 | 246.9% | |
| Book value per share (Unadj.) | Rs | 4,879.1 | 103.5 | 4,715.0% | |
| Shares outstanding (eoy) | m | 11.30 | 946.07 | 1.2% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.2 | 5.8 | 4.0% | |
| Avg P/E ratio | x | 4.1 | 35.3 | 11.6% | |
| Avg P/CF ratio | x | 2.5 | 34.6 | 7.1% | |
| Avg Price/Bookvalue ratio | x | 0.7 | 8.1 | 8.6% | |
| Dividend payout | % | 3.0 | 10.5 | 28.8% | |
| Avg Mkt Cap | Rs m | 38,537 | 796,997 | 4.8% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 14,508 | 5,619 | 258.2% | |
| 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 | 136,666 | 120.7% | |
| Other income | Rs m | 835 | 6,190 | 13.5% | |
| Interest expense | Rs m | 4,878 | 22,840 | 21.4% | |
| Net interest income | Rs m | 160,038 | 113,826 | 140.6% | |
| Operating expense | Rs m | 149,030 | 88,073 | 169.2% | |
| Gross profit | Rs m | 11,008 | 25,754 | 42.7% | |
| Gross profit margin | % | 6.7 | 18.8 | 35.4% | |
| Provisions/contingencies | Rs m | 6,209 | 449 | 1,382.7% | |
| Profit before tax | Rs m | 6,670 | 30,306 | 22.0% | |
| 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 | 7,721 | 27.7% | |
| Profit after tax | Rs m | 9,377 | 22,585 | 41.5% | |
| Net profit margin | % | 5.7 | 16.5 | 34.4% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 0 | 0 | - | |
| Deposits | Rs m | 1,229 | 0 | - | |
| Credit/Deposit ratio | x | 0 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 0 | - | |
| Net Interest Margin | % | 439.9 | 524.4 | 83.9% | |
| Net fixed assets | Rs m | 69,027 | 5,510 | 1,252.8% | |
| Share capital | Rs m | 113 | 9,461 | 1.2% | |
| Free reserves | Rs m | 55,021 | 88,439 | 62.2% | |
| Net worth | Rs m | 55,134 | 97,899 | 56.3% | |
| Borrowings | Rs m | 21,272 | 231,429 | 9.2% | |
| Investments | Rs m | 36,385 | 21,705 | 167.6% | |
| Total assets | Rs m | 172,260 | 452,989 | 38.0% | |
| Debt/equity ratio | x | 0.5 | 2.4 | 22.9% | |
| Return on assets | % | 5.4 | 5.0 | 109.2% | |
| Return on equity | % | 17.0 | 23.1 | 73.7% | |
| Capital adequacy ratio | % | 0 | 23.1 | 0.0% | |
| Net NPAs | % | 0 | 0.9 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 14,373 | -66,705 | -21.5% | |
| From Investments | Rs m | -6,502 | -9,214 | 70.6% | |
| From Financial Activity | Rs m | -7,782 | 78,236 | -9.9% | |
| Net Cashflow | Rs m | 119 | 2,316 | 5.1% | |
Share Holding
| Indian Promoters | % | 73.0 | 68.6 | 106.4% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 4.3 | 25.3 | 17.1% | |
| FIIs | % | 4.3 | 8.6 | 50.2% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 27.0 | 31.4 | 86.0% | |
| Shareholders | 21,019 | 1,036,632 | 2.0% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare BENGAL & ASSAM With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST TATA INVESTMENT AAVAS FINANCIERS
More on BENGAL & ASSAM vs SBI CARDS
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 SBI CARDS Share Price Performance
| Period | BENGAL & ASSAM | SBI CARDS |
|---|---|---|
| 1-Day | 0.37% | -1.02% |
| 1-Month | 7.55% | 7.71% |
| 1-Year | 135.10% | -3.29% |
| 3-Year CAGR | 84.45% | -6.54% |
| 5-Year CAGR | 38.75% | 1.89% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the SBI CARDS share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of SBI CARDS the stake stands at 68.6%.
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 SBI CARDS.
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%.
SBI CARDS paid Rs 2.5, and its dividend payout ratio stood at 10.5%.
You may visit here to review the dividend history of BENGAL & ASSAM, and the dividend history of SBI CARDS.
For a sector overview, read our finance sector report.
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