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CREDITACCESS GRAMEEN vs BAJAJ FINANCE - Comparison Results

Rs 100 invested in...

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Current Valuations

    CREDITACCESS GRAMEEN BAJAJ FINANCE CREDITACCESS GRAMEEN/
BAJAJ FINANCE
 
P/E (TTM) x 17.1 32.6 52.3% View Chart
P/BV x 4.5 8.3 54.1% View Chart
Dividend Yield % 0.0 0.4 -  

Financials

 CREDITACCESS GRAMEEN   BAJAJ FINANCE
EQUITY SHARE DATA
    CREDITACCESS GRAMEEN
Mar-23
BAJAJ FINANCE
Mar-23
CREDITACCESS GRAMEEN/
BAJAJ FINANCE
5-Yr Chart
Click to enlarge
High Rs1,1547,777 14.8%   
Low Rs8345,236 15.9%   
Income per share (Unadj.) Rs223.1684.9 32.6%  
Earnings per share (Unadj.) Rs52.0190.4 27.3%  
Cash flow per share (Unadj.) Rs142.1466.9 30.4%  
Dividends per share (Unadj.) Rs030.00 0.0%  
Avg Dividend yield %00.5 0.0%  
Book value per share (Unadj.) Rs320.2890.4 36.0%  
Shares outstanding (eoy) m158.91604.42 26.3%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x4.59.5 46.9%   
Avg P/E ratio x19.134.2 56.0%  
Avg P/CF ratio x18.534.2 54.2%  
Avg Price/Bookvalue ratio x3.17.3 42.5%  
Dividend payout %015.8 0.0%   
Avg Mkt Cap Rs m157,9893,932,543 4.0%   
No. of employees `000NANA-   
Total wages & salary Rs m5,15250,591 10.2%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m35,451413,974 8.6%  
Other income Rs m5783 68.2%   
Interest expense Rs m12,161127,013 9.6%   
Net interest income Rs m23,290286,961 8.1%  
Operating expense Rs m11,794126,929 9.3%   
Gross profit Rs m11,496160,033 7.2%  
Gross profit margin %32.438.7 83.9%  
Provisions/contingencies Rs m26529 921.7%   
Profit before tax Rs m11,054155,279 7.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2,79440,202 6.9%   
Profit after tax Rs m8,261115,077 7.2%  
Net profit margin %23.327.8 83.8%  
BALANCE SHEET DATA
Advances Rs m190,4332,422,689 7.9%   
Deposits Rs m0446,656 0.0%  
Credit/Deposit ratio x0542.4- 
Yield on advances %00-   
Cost of deposits %05.9-  
Net Interest Margin %11.610.8 107.3%  
Net fixed assets Rs m5,99023,076 26.0%   
Share capital Rs m1,5891,209 131.5%   
Free reserves Rs m49,287536,956 9.2%   
Net worth Rs m50,876538,165 9.5%   
Borrowings Rs m253222,689 0.1%   
Investments Rs m10,265230,624 4.5%   
Total assets Rs m225,3342,742,916 8.2%  
Debt/equity ratio x01.2 0.4%   
Return on assets %3.74.2 87.4%  
Return on equity %16.221.4 75.9%  
Capital adequacy ratio %23.625.0 94.4%  
Net NPAs %0.40.4 81.4%  
CASH FLOW
From Operations Rs m-32,898-421,404 7.8%  
From Investments Rs m-3,144-103,653 3.0%  
From Financial Activity Rs m33,651506,750 6.6%  
Net Cashflow Rs m-2,391-18,307 13.1%  

Share Holding

Indian Promoters % 0.0 54.8 -  
Foreign collaborators % 66.7 0.0 666,600.0%  
Indian inst/Mut Fund % 27.8 35.0 79.4%  
FIIs % 12.0 20.9 57.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 33.3 45.2 73.7%  
Shareholders   57,989 745,040 7.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CREDITACCESS GRAMEEN With:   BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    AAVAS FINANCIERS    MANAPPURAM FINANCE    


More on CREDITACCESS GRAMEEN 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:

CREDITACCESS GRAMEEN vs Bajaj Finance Share Price Performance

Period CREDITACCESS GRAMEEN Bajaj Finance
1-Day 1.46% 3.09%
1-Month -2.26% 11.39%
1-Year 60.71% 30.82%
3-Year CAGR 28.43% 11.72%
5-Year CAGR 23.56% 19.35%

* Compound Annual Growth Rate

Here are more details on the CREDITACCESS GRAMEEN share price and the Bajaj Finance share price.

Moving on to shareholding structures...

The promoters of CREDITACCESS GRAMEEN hold a 66.7% stake in the company. In case of Bajaj Finance the stake stands at 54.8%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of CREDITACCESS GRAMEEN and the shareholding pattern of Bajaj Finance.

Finally, a word on dividends...

In the most recent financial year, CREDITACCESS GRAMEEN paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.

Bajaj Finance paid Rs 30.0, and its dividend payout ratio stood at 15.8%.

You may visit here to review the dividend history of CREDITACCESS GRAMEEN, and the dividend history of Bajaj Finance.

For a sector overview, read our finance sector report.



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