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Fincash » Search » Bharat Financial Inclusion Ltd

Bharat Financial Inclusion Ltd

Updated on April 12, 2019

Stock/Share Code - BHARATFIN

Bharat Financial Inclusion is a non-banking financial company-micro finance institution (NBFC-MFI). The Company is engaged in providing micro finance services to women in the rural areas of India enrolled as members and organized as Joint Liability Groups. In addition to its business of providing micro-credit, the Company uses its distribution channel to provide other financial products and services to the members.

Below is the details of BHARATFIN Bharat Financial Inclusion Ltd

Market Cap₹12,953 Cr.
Current Price ₹1,110.15 as on 18 Apr 19
52 Week High / Low Price₹1,248.65 / ₹824.3
Face Value₹10
Stock P/E14.77
Book Value₹256.95
Dividend Yield0.00 %
ROCE11.54 %
ROE16.72 %
Sales Growth (3yrs)37.83 %
SectorFinance
IndustryFinance & Investments
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company is expected to give good quarter
Cons: Stock is trading at 3.60 times its book value Though the company is reporting repeated profits, it is not paying out dividend Promoter holding is low: 1.58% Tax rate seems low

Bharat Financial Inclusion Ltd Price Chart

Bharat Financial Inclusion Ltd Price Chart

Bharat Financial Inclusion Ltd Peer Comparison in Finance

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. Bajaj Fin. ₹3,069.5 43.50 ₹153,103.83 Cr. 0.15 ₹1,022.73 Cr. 47.84 39.42 4664.77 12.74
2. Bajaj Finserv ₹3,069.5 34.08 ₹102,840.92 Cr. 0.03 ₹850.52 Cr. 16.43 39.17 11141.05 14.64
3. Bajaj Holdings ₹3,069.5 11.86 ₹35,223.84 Cr. 1.26 ₹781.1 Cr. 18.12 6.84 109.61 4.54
4. L&T Fin.Holdings ₹146.55 11.91 ₹24,825.25 Cr. 0.80 ₹579.93 Cr. 80.78 27.55 3243.99 9.19
5. Muthoot Finance ₹616.25 11.06 ₹21,153.18 Cr. 1.89 ₹485.25 Cr. 1.37 8.62 1716.52 16.65
6. Shriram Trans. ₹8.25 13.85 ₹25,915.37 Cr. 0.96 ₹635.45 Cr. 17.34 18.19 3991.04 10.90
7. M & M Fin. Serv. ₹684.65 17.57 ₹24,485.12 Cr. 1.00 ₹318.65 Cr. -11.32 22.21 2222.52 9.75
8. Bharat Financial 14.77 ₹12,952.88 Cr. 0.00 ₹288.41 Cr. 49.47 41.19 813.74 11.54

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Bharat Financial Inclusion Ltd Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018
Revenue330369407409368451482576646612760814
Interest134136158164165176179183189199205204
Expenses123137143144476180156181238227244224
Employee Cost %24.29%25.72%24.49%25.95%28.65%24.17%24.69%25.56%23.21%26.02%21%18.58%
Financing Profit7296107100-27296146212218186312386
Financing Margin %22%26%26%25%-74%21%30%37%34%30%41%47%
Other Income41454246410001000
Depreciation323343344345
Profit before tax110139146143-23593143209215183308381
Tax %23%-70%0%0%-0%48%6%8%1%22%24%24%
Net Profit84236146143-23548135193213142233288
Gross NPA %0.00%0.10%0.00%0.00%6.00%5.90%5.10%4.30%2.40%0.30%0.40%0.60%
Net NPA %0.04%0.03%0.00%0.00%2.70%0.20%0.10%0.10%0.10%0.10%0.10%0.20%
NotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotes

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018TTM
Revenue451695539551,2624723525458021,3201,7282,1012,832
Interest1456194288350200143214279485622710797
Expenses27802253907331,586500257326434900924933
Manufacturing Cost %1.79%1.32%1.04%1.1%1.3%2.64%3.17%1.97%1.58%1.27%1.16%1.05%%
Employee Cost %27.57%27.26%24.01%22.49%25.87%55.37%49.07%30.4%28.89%22.15%23.51%25.05%%
Other Cost %29.98%18.44%15.59%17.22%30.92%278.2%89.86%14.76%10.14%9.45%27.41%17.85%%
Financing Profit533134277179-1,314-291741984012054671,101
Financing Margin %10%20%24%29%14%-279%-83%14%25%30%12%22%39%
Other Income2113810011011
Depreciation25111316106458131316
Profit before tax529124268171-1,324-297701943941934551,086
Tax %51%43%35%35%35%-3%-0%0%3%23%-50%-0%
Net Profit21780174112-1,361-29770188303290455877
EPS in Rs15.440.000.006.4514.8623.8020.9932.69
Dividend Payout %0%0%0%0%0%-0%-0%0%0%0%0%0%

Compounded Sales Growth

  • 10 Years:: 28.66%
  • 5 Years:: 42.95%
  • 3 Years:: 37.83%
  • TTM:: 50.83%

Compounded Profit Growth

  • 10 Years:: 39.28%
  • 3 Years:: 34.39%
  • TTM:: 521.50%

Return on Equity

  • 10 Years:: 0.12%
  • 5 Years:: 18.57%
  • 3 Years:: 17.90%
  • TTM:: 16.72%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Sep 2018
Share Capital274457657272108108126127138139140
Preference Capital009.16000000000
Equity Capital26.6444.3347.964.5372.3272.36108.21108.21126.29127.31137.98139.32
Reserves451686068891,7083582823519201,2562,3092,8593,462
Borrowings2497902,1372,6952,2351,0211,6181,5313,2805,1307,1257,6177,721
Other Liabilities1588249407311271503507372641846915678
Trade Payables1.344.6713.0520.6300.070000000
Total Liabilities3351,0893,0394,0554,3261,7222,5112,4974,6997,15410,41811,53112,001
Fixed Assets514182328201110915222231
Gross Block8.4322.3237.2254.0975.6772.0356.1457.8759.4172.3887.6695.82
Accumulated Depreciation3.288.419.2431.547.3751.5844.6747.9350.2357.1665.4573.9
CWIP0112300211000
Investments0000400000000
Other Assets3301,0753,0204,0314,2921,7012,5002,4864,6887,13710,39511,50911,970
Trade receivables0.1202.142.951.550.210.562.573.426.3710.9311.3729.11
Cash Equivalents56.45275.231547.02973.52519.58669.18860.59639.711536.771766.282806.372046.45660.56
Loans n Advances273.24799.571470.83046.473614.8707.771319.791581.412778.074762.226068.027855.1610805.14
Total Assets3351,0893,0394,0554,3261,7222,5112,4974,6997,15410,41811,53112,001

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
Cash from Operating Activity-192-432-277-1,226-6241,341-644-132-1,112-1,635-1,887-1,162
Profit from operations9.6241.35161.09347.79443.77-95.78-37.7195.8226.39463.2597.54777.17
Working Capital Changes-200.48-459.19-392.24-1479.11-995.991440.73-606.6-208.74-1326.94-2005.26-2374.53-1835
Taxes paid-0.69-13.67-45.65-94.84-72.13-4.220.78-19.51-11.2-92.72-110.12-103.94
Cash from Investing Activity-4-25-230141-683-24-5-15-19-13
Fixed Assets Purchased-2.68-14.39-15.34-18.08-23.17-2.69-0.79-4.07-4.77-14.87-19.19-13.36
Fixed Assets Sold000.020.010.190.32.240.160.160.130.420.41
Investments purchased-32-100-0.2-3.560000000
Investments sold32100003.56000000
Cash from Financing Activity2336651,564671235-1,210847-872,1391,8722,750528
Proceeds from Shares53.63123.93369.88116.29730.744.77263.520404.7822.53772.0536.65
Proceeds from Borrowings179.8540.831196.97558.16.70597.09151.051748.581849.851995.41008.94
Repayment of Borrowings0000-465.47-1214.60-238.17000-517.37
Net Cash Flow382081,057-541-38863206-2431,022223844-646

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Ratios

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
ROE %5%12%18%22%8%-123%-72%16%25%25%15%17%

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate as per time to time filling by company to exchanges. However, no guarantees are made regarding correctness of data. Investors are advised to validate/check information with exchanges or companies website before making any investment decisions.