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- BENGAL & ASSAM - UNITED CRED.
BENGAL & ASSAM vs UNITED CRED. - Comparison Results
Current Valuations
| BENGAL & ASSAM | UNITED CRED. | BENGAL & ASSAM/ UNITED CRED. |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 2.6 | 8.6 | 29.8% | View Chart |
| P/BV | x | 1.7 | 0.4 | 381.5% | View Chart |
| Dividend Yield | % | 0.3 | 0.0 | - |
Financials
 BENGAL & ASSAM  UNITED CRED. |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| BENGAL & ASSAM Mar-23 |
UNITED CRED. Mar-23 |
BENGAL & ASSAM/ UNITED CRED. |
5-Yr Chart Click to enlarge
|
||
| 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 | |||||
|---|---|---|---|---|---|
| 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 | |||||
|---|---|---|---|---|---|
| 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 | |||||
|---|---|---|---|---|---|
| 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% | |
Share Holding
| 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 TATA INVESTMENT
More on BENGAL & ASSAM vs UNITED CRED.
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 UNITED CRED. Share Price Performance
| Period | BENGAL & ASSAM | UNITED CRED. |
|---|---|---|
| 1-Day | -1.16% | 3.85% |
| 1-Month | 4.35% | 18.91% |
| 1-Year | 125.19% | 63.91% |
| 3-Year CAGR | 81.89% | 30.87% |
| 5-Year CAGR | 36.71% | 4.46% |
* 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.
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