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Bharat Fin Inclu Key Ratios

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NSE: BHARATFIN | BSE: 533228

₹898.00

up-down-arrow ₹-8.40 (-0.93%)

As on 02-Jul-2019IST

Market cap

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₹12,597 Cr

Revenue (TTM)

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₹3,036 Cr

P/E Ratio

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12.8

P/B Ratio

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3

Div. Yield

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0 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue 4.58 31.70 40.84 37.45 42.37
EBIT 2.96 49.00 50.07 41.99 51.79
Net Profit 11.36 50.49 57.30 48.62 49.12
EPS 11.32 49.53 65.20 43.35 26.12
Book Value -- -- 19.87 37.37 43.74
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMMar-18Mar-17
EBIT-Margin info 50.8343.3568.5349.0741.24
Net Margin info 20.3218.2632.4321.2716.77
Return on equity info 19.3020.1725.1617.0815.36
Return on Assets info 4.194.119.054.153.30

Profitability

View Detailed Peer Comparison

ROCE

--

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
TTM
Mar-18
Mar-17
Mar-16
Mar-15
Bharat Fin Inclu
--
11.54
10.14
16.21
14.96
Peer Median
--
1.25
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

25.16

Higher than Peers by 21.85

Profit after tax / Average Net worth * 100

Company Name
TTM
Mar-18
Mar-17
Mar-16
Mar-15
Bharat Fin Inclu
25.16
17.08
15.36
25.47
25.69
Peer Median
3.31
0.56
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

9.05

Higher than Peers by 7.75

Profit after tax / Average Total assets * 100

Company Name
TTM
Mar-18
Mar-17
Mar-16
Mar-15
Bharat Fin Inclu
9.05
4.15
3.30
5.11
5.22
Peer Median
1.30
0.32
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Margin

68.53

Higher than Peers by 46.43

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Mar-18
Mar-17
Mar-16
Mar-15
Bharat Fin Inclu
68.53
49.07
41.24
62.18
29.77
Peer Median
22.11
10.45
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Margin

32.43

Higher than Peers by 23.52

Net profit / Total Income (Net sales plus other income) * 100

Company Name
TTM
Mar-18
Mar-17
Mar-16
Mar-15
Bharat Fin Inclu
32.43
21.27
16.77
22.94
19.13
Peer Median
8.91
6.86
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Profit Margin

--

--

(Net profit + Depreciation) / Gross Sales * 100

Company Name
TTM
Mar-18
Mar-17
Mar-16
Mar-15
Bharat Fin Inclu
--
24.45
19.48
26.63
26.55
Peer Median
0.00
0.00
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

40.84

Higher than Peers by 7.49

Year on year growth in net sales

Company Name
TTM
Mar-18
Mar-17
Mar-16
Mar-15
Bharat Fin Inclu
40.84
23.45
32.84
61.49
39.49
Peer Median
33.35
-3.06
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

50.07

Higher than Peers by 35.37

Year on year growth in operating profit (EBIT)

Company Name
TTM
Mar-18
Mar-17
Mar-16
Mar-15
Bharat Fin Inclu
50.07
46.89
-11.89
237.25
20.43
Peer Median
14.71
-32.91
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

57.30

Higher than Peers by 59.27

Year on year growth in profit after tax

Company Name
TTM
Mar-18
Mar-17
Mar-16
Mar-15
Bharat Fin Inclu
57.30
57.23
-4.39
61.45
168.66
Peer Median
-1.97
-33.71
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

65.20

Higher than Peers by 53.25

Year on year growth in earnings per share

Company Name
TTM
Mar-18
Mar-17
Mar-16
Mar-15
Bharat Fin Inclu
65.20
55.72
-11.78
60.16
130.20
Peer Median
11.95
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

--

--

Year on year growth in book value per share

Company Name
TTM
Mar-18
Mar-17
Mar-16
Mar-15
Bharat Fin Inclu
--
21.03
77.64
32.99
132.37
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

--

--

Total debt / Net worth

Company Name
TTM
Mar-18
Mar-17
Mar-16
Mar-15
Bharat Fin Inclu
--
2.61
2.95
3.78
3.21
Peer Median
--
0.02
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Short term debt to equity ratio

1.13

--

(Short term borrowings / Net worth)

Company Name
TTM
Mar-18
Mar-17
Mar-16
Mar-15
Bharat Fin Inclu
1.13
0.20
0.46
0.47
0.58
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Current Ratio

1.69

Lower than Peers by 2.82

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Mar-18
Mar-17
Mar-16
Mar-15
Bharat Fin Inclu
1.69
1.68
1.62
1.83
1.67
Peer Median
4.50
3.60
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Quick Ratio

1.69

Lower than Peers by 2.40

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Mar-18
Mar-17
Mar-16
Mar-15
Bharat Fin Inclu
1.69
1.68
1.62
1.83
1.67
Peer Median
4.09
5.65
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Coverage

2.64

Lower than Peers by 22.47

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Mar-18
Mar-17
Mar-16
Mar-15
Bharat Fin Inclu
2.64
1.64
1.31
1.81
1.69
Peer Median
25.11
3.18
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

12.79

Lower than Peers by 103.09

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Mar-18
Mar-17
Mar-16
Mar-15
Bharat Fin Inclu
12.79
33.57
38.45
22.93
30.74
Peer Median
115.88
136.45
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

2.98

Higher than Peers by 1.49

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Mar-18
Mar-17
Mar-16
Mar-15
Bharat Fin Inclu
2.98
5.24
4.62
5.11
5.65
Peer Median
1.49
0.39
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

--

--

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Mar-18
Mar-17
Mar-16
Mar-15
Bharat Fin Inclu
--
--
--
--
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

8.66

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Mar-18
Mar-17
Mar-16
Mar-15
Bharat Fin Inclu
8.66
17.70
18.66
11.63
15.74
Peer Median
--
9.92
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

12,597

Higher than Peers by 12,558

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Mar-18
Mar-17
Mar-16
Mar-15
Bharat Fin Inclu
12,597
15,291
11,137
6,947
5,769
Peer Median
39
7
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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