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CREDITACCESS GRAMEEN vs KUMBHAT FINANCIAL - Comparison Results

Rs 100 invested in...

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Current Valuations

    CREDITACCESS GRAMEEN KUMBHAT FINANCIAL CREDITACCESS GRAMEEN/
KUMBHAT FINANCIAL
 
P/E (TTM) x 17.1 31.7 53.7% View Chart
P/BV x 4.5 1.7 264.3% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 CREDITACCESS GRAMEEN   KUMBHAT FINANCIAL
EQUITY SHARE DATA
    CREDITACCESS GRAMEEN
Mar-23
KUMBHAT FINANCIAL
Mar-23
CREDITACCESS GRAMEEN/
KUMBHAT FINANCIAL
5-Yr Chart
Click to enlarge
High Rs1,15418 6,363.6%   
Low Rs8348 10,400.2%   
Income per share (Unadj.) Rs223.10.7 31,822.1%  
Earnings per share (Unadj.) Rs52.00.2 25,720.7%  
Cash flow per share (Unadj.) Rs142.10.8 17,671.6%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs320.29.3 3,435.1%  
Shares outstanding (eoy) m158.914.75 3,345.5%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x4.518.7 23.8%   
Avg P/E ratio x19.164.6 29.6%  
Avg P/CF ratio x18.564.6 28.7%  
Avg Price/Bookvalue ratio x3.11.4 221.3%  
Dividend payout %00-   
Avg Mkt Cap Rs m157,98962 254,287.3%   
No. of employees `000NANA-   
Total wages & salary Rs m5,1521 844,655.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m35,4513 1,064,600.6%  
Other income Rs m571 10,903.8%   
Interest expense Rs m12,1610-   
Net interest income Rs m23,2903 701,506.0%  
Operating expense Rs m11,7943 433,606.6%   
Gross profit Rs m11,4961 1,915,983.3%  
Gross profit margin %32.418.1 179.4%  
Provisions/contingencies Rs m2650-   
Profit before tax Rs m11,0541 1,004,927.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2,7940 1,995,428.6%   
Profit after tax Rs m8,2611 860,479.2%  
Net profit margin %23.328.9 80.6%  
BALANCE SHEET DATA
Advances Rs m190,4330-   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-  
Cost of deposits %00-  
Net Interest Margin %11.6121.7 9.5%  
Net fixed assets Rs m5,9900 3,993,533.3%   
Share capital Rs m1,58948 3,345.5%   
Free reserves Rs m49,287-3 -1,525,897.8%   
Net worth Rs m50,87644 114,921.2%   
Borrowings Rs m2530-   
Investments Rs m10,2653 376,000.0%   
Total assets Rs m225,33444 508,309.5%  
Debt/equity ratio x00-   
Return on assets %3.72.2 168.8%  
Return on equity %16.22.2 746.4%  
Capital adequacy ratio %23.62.3 1,048.0%  
Net NPAs %0.40-  
CASH FLOW
From Operations Rs m-32,89828 -117,282.7%  
From Investments Rs m-3,144NA 2,245,928.6%  
From Financial Activity Rs m33,651-26 -128,242.0%  
Net Cashflow Rs m-2,3912 -143,197.6%  

Share Holding

Indian Promoters % 0.0 15.3 -  
Foreign collaborators % 66.7 0.0 -  
Indian inst/Mut Fund % 27.8 0.0 -  
FIIs % 12.0 0.0 -  
ADR/GDR % 0.0 0.0 -  
Free float % 33.3 84.8 39.3%  
Shareholders   57,989 7,928 731.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CREDITACCESS GRAMEEN With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    TATA INVESTMENT    


More on CREDITACCESS GRAMEEN vs KUMBHAT FINANCIAL

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 KUMBHAT FINANCIAL Share Price Performance

Period CREDITACCESS GRAMEEN KUMBHAT FINANCIAL
1-Day 1.46% 3.18%
1-Month -2.26% 11.03%
1-Year 60.71% -3.40%
3-Year CAGR 28.43% 37.32%
5-Year CAGR 23.56% 39.04%

* Compound Annual Growth Rate

Here are more details on the CREDITACCESS GRAMEEN share price and the KUMBHAT FINANCIAL share price.

Moving on to shareholding structures...

The promoters of CREDITACCESS GRAMEEN hold a 66.7% stake in the company. In case of KUMBHAT FINANCIAL the stake stands at 15.3%.

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

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%.

KUMBHAT FINANCIAL paid Rs 0.0, and its dividend payout ratio stood at 0.0%.

You may visit here to review the dividend history of CREDITACCESS GRAMEEN, and the dividend history of KUMBHAT FINANCIAL.

For a sector overview, read our finance sector report.



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