Bengal & Assam Peer Comparison

BSE: 533095

₹5,658.00

₹-37.00 (-0.65%)

As on 30-Oct-2026IST

Market cap

₹6,470 Cr

Revenue (TTM)

₹2,437 Cr

P/E Ratio

8.5

P/B Ratio

0.6

Div. Yield

0.9 %

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	Bengal & Assam	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Market cap (₹ Cr)	6,470	28,442	27,147	22,182	16,393
Revenue (₹ Cr)	2,437	404	10,285	5,967	6,775
Net Profit (₹ Cr)	281.51	305.93	1,445.41	1,309.97	1,586.60
Net Margin (%)	11.03	74.72	14.02	21.90	23.40
RoE (%)	7.74	1.41	10.08	17.28	18.93
Price to Earnings	8.49	66.01	18.73	16.93	10.33
Price-To-Book	0.60	0.97	1.69	2.79	1.84

Income Statement (₹ Cr)

	Bengal & Assam	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Operating Income	2,436.69	403.54	10,284.59	5,967.37	6,774.91
Other Income	116.10	5.87	25.57	14.84	4.19
Total Income	2,495.23	403.46	9,524.71	4,744.06	6,062.54
Interest Expense	50.18	0.57	4,204.29	2,168.57	2,040.48
PBT & Exceptional Items	427.19	366.10	2,260.68	1,858.27	2,178.84
Operating Expenses	2,055.87	42.74	3,845.19	1,955.37	2,559.78
Exceptional Income/Expenses	-9.77	0.00	0.00	0.00	0.00
Profit before Tax	372.42	362.26	1,950.48	1,740.25	2,113.90
Taxes	90.91	56.33	505.07	430.28	527.30
Profit after Tax	281.51	305.93	1,445.41	1,309.97	1,586.60
Minority Interest	-19.06	0.00	4.05	0.00	0.00
Share of Associate	500.01	124.96	0.00	0.00	0.00
Consolidated Profit	762.46	430.89	1,449.46	1,309.97	1,586.60

	Bengal & Assam	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Shareholder's Funds	10,687.21	29,221.16	16,050.74	7,957.62	8,919.01
Minority Interest	-19.06	0.00	4.05	0.00	0.00
Non-Current Liabilities	520.40	3,407.06	141.91	183.54	112.69
Current Liabilities	1,024.61	23.91	58,360.20	31,898.30	25,418.48
Total Liabilities	12,425.99	32,973.97	75,691.91	33,637.47	33,153.91

	Bengal & Assam	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Non-Current Assets	564.54	169.20	1,233.12	512.13	784.57
Current Assets	11,389.89	32,466.17	72,616.64	39,310.76	33,556.28
Total Assets	12,425.99	32,973.97	75,691.91	33,637.47	33,153.91
Contingent Liabilities	81.88	--	136.28	7.07	--

	Bengal & Assam	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Cash From Operating Activities	252.34	279.39	-20,237.75	-8,727.78	-2,770.21
Cash Flow from Investing Activities	-201.51	-147.97	-1,631.53	-1,088.40	-100.65
Cash from Financing Activities	-30.30	-137.57	23,834.45	10,391.44	2,750.95
Net Cash Inflow / Outflow	20.53	-6.15	1,965.17	575.26	-119.91

	Bengal & Assam	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
ROCE (%)	3.95	1.57	8.35	11.68	9.98
ROE (%)	7.74	1.41	10.08	17.28	18.93
ROA (%)	2.36	0.91	2.34	4.06	5.11
EBIT Margin (%)	12.98	88.46	59.60	65.25	61.26
Net Margin (%)	11.03	74.72	14.02	21.90	23.40
Cash Profit Margin (%)	0.00	0.00	0.00	0.00	0.00

	Bengal & Assam	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Revenue Growth (%)	12.13	30.99	4.76	52.97	17.66
EBIT Growth (%)	-10.03	33.57	33.65	60.03	99.27
Net Profit Growth (%)	-11.57	42.45	85.35	82.77	1,086.78
EPS Growth (%)	12.74	-86.84	68.98	70.63	1,084.48
Book Value Growth (%)	9.48	-6.01	24.70	67.97	12.59

	Bengal & Assam	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Price / Earnings	8.00	66.01	18.10	16.93	10.32
Price / Book Value	0.60	0.97	1.69	2.79	1.84
Dividend Yield (%)	0.88	0.60	0.69	0.09	0.00
EV/EBITDA	15.94	76.31	12.03	10.71	8.94
Market Cap (₹ Cr)	6,204.29	27,369.52	23,577.62	15,957.18	18,508.79

	Bengal & Assam	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Debt to Equity	0.06	0.00	3.69	0.00	0.00
Short term debt to equity ratio	0.05	0.00	2.89	1.02	1.65
Current Ratio	11.12	1,357.85	1.24	1.23	1.32
Quick Ratio	11.12	1,357.85	1.24	1.23	1.32
Interest Coverage	8.42	636.54	1.46	1.80	2.04

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.