BENGAL & ASSAM | UNITED CRED. | BENGAL & ASSAM/ UNITED CRED. |
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P/E (TTM) | x | 2.6 | 8.7 | 30.1% | View Chart |
P/BV | x | 1.7 | 0.4 | 384.7% | View Chart |
Dividend Yield | % | 0.3 | 0.0 | - |
BENGAL & ASSAM UNITED CRED. |
EQUITY SHARE DATA | |||||
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BENGAL & ASSAM Mar-23 |
UNITED CRED. Mar-23 |
BENGAL & ASSAM/ UNITED CRED. |
5-Yr Chart Click to enlarge
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High | Rs | 4,662 | 28 | 16,508.1% | |
Low | Rs | 2,161 | 10 | 22,394.8% | |
Income per share (Unadj.) | Rs | 14,594.4 | 5.4 | 268,697.9% | |
Earnings per share (Unadj.) | Rs | 829.8 | 1.4 | 61,091.3% | |
Cash flow per share (Unadj.) | Rs | 13,658.5 | 5.4 | 254,367.4% | |
Dividends per share (Unadj.) | Rs | 25.00 | 0 | - | |
Avg Dividend yield | % | 0.7 | 0 | - | |
Book value per share (Unadj.) | Rs | 4,879.1 | 51.3 | 9,510.5% | |
Shares outstanding (eoy) | m | 11.30 | 5.33 | 212.0% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 0.2 | 3.5 | 6.7% | |
Avg P/E ratio | x | 4.1 | 13.9 | 29.5% | |
Avg P/CF ratio | x | 2.5 | 13.9 | 17.7% | |
Avg Price/Bookvalue ratio | x | 0.7 | 0.4 | 189.4% | |
Dividend payout | % | 3.0 | 0 | - | |
Avg Mkt Cap | Rs m | 38,537 | 101 | 38,180.3% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 14,508 | 7 | 196,325.4% | |
Avg. income/employee | Rs Th | 0 | 0 | - | |
Avg. wages/employee | Rs Th | 0 | 0 | - | |
Avg. net profit/employee | Rs Th | 0 | 0 | - |
INCOME DATA | |||||
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Interest income | Rs m | 164,916 | 29 | 569,659.6% | |
Other income | Rs m | 835 | 0 | 278,370.0% | |
Interest expense | Rs m | 4,878 | 0 | 6,969,228.6% | |
Net interest income | Rs m | 160,038 | 29 | 554,148.2% | |
Operating expense | Rs m | 149,030 | 20 | 747,019.4% | |
Gross profit | Rs m | 11,008 | 9 | 123,265.7% | |
Gross profit margin | % | 6.7 | 30.8 | 21.6% | |
Provisions/contingencies | Rs m | 6,209 | 0 | - | |
Profit before tax | Rs m | 6,670 | 9 | 76,937.5% | |
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 | 1 | 149,821.0% | |
Profit after tax | Rs m | 9,377 | 7 | 129,518.2% | |
Net profit margin | % | 5.7 | 25.0 | 22.7% |
BALANCE SHEET DATA | |||||
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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 | 28.1 | 1,565.2% | |
Net fixed assets | Rs m | 69,027 | 2 | 3,137,573.2% | |
Share capital | Rs m | 113 | 55 | 205.6% | |
Free reserves | Rs m | 55,021 | 219 | 25,180.0% | |
Net worth | Rs m | 55,134 | 273 | 20,163.0% | |
Borrowings | Rs m | 21,272 | 0 | - | |
Investments | Rs m | 36,385 | 103 | 35,404.0% | |
Total assets | Rs m | 172,260 | 285 | 60,473.8% | |
Debt/equity ratio | x | 0.5 | 0 | - | |
Return on assets | % | 5.4 | 2.5 | 214.1% | |
Return on equity | % | 17.0 | 2.6 | 642.2% | |
Capital adequacy ratio | % | 0 | 0 | - | |
Net NPAs | % | 0 | 0 | - |
CASH FLOW | |||||
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From Operations | Rs m | 14,373 | 3 | 469,697.1% | |
From Investments | Rs m | -6,502 | -1 | 485,204.5% | |
From Financial Activity | Rs m | -7,782 | 1 | -617,580.2% | |
Net Cashflow | Rs m | 119 | 3 | 3,969.6% |
Indian Promoters | % | 73.0 | 57.3 | 127.4% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 4.3 | 0.5 | 800.0% | |
FIIs | % | 4.3 | 0.0 | - | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 27.0 | 42.7 | 63.2% | |
Shareholders | 21,019 | 2,460 | 854.4% | ||
Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare BENGAL & ASSAM With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS AAVAS FINANCIERS
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
Period | BENGAL & ASSAM | UNITED CRED. |
---|---|---|
1-Day | -0.82% | -2.28% |
1-Month | -4.86% | 9.60% |
1-Year | 127.85% | 44.25% |
3-Year CAGR | 83.80% | 28.77% |
5-Year CAGR | 39.12% | 4.03% |
* Compound Annual Growth Rate
Here are more details on the BENGAL & ASSAM share price and the UNITED CRED. share price.
Moving on to shareholding structures...
The promoters of BENGAL & ASSAM hold a 73.0% stake in the company. In case of UNITED CRED. the stake stands at 57.3%.
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 UNITED CRED..
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%.
UNITED CRED. 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 UNITED CRED..
For a sector overview, read our finance sector report.
After opening the day on positive note, Indian share markets continued the momentum as the session progressed and ended on firm footing.