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Fincash » Search » Bharat Financial Inclusion Ltd

Bharat Financial Inclusion Ltd

Updated on October 13, 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 enro...Read more

Below is the details of BHARATFIN Bharat Financial Inclusion Ltd

Market Cap₹12,594 Cr.
Current Price ₹898 as on 2 Jul 19
52 Week High / Low Price₹1,169.9 / ₹823.75
Face Value₹10
Stock P/E12.79
Book Value₹301.22
Dividend Yield0.00 %
ROCE11.54 %
ROE16.72 %
Sales Growth (3yrs)37.83 %
SectorFinance
IndustryFinance & Investments
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company has reduced debt. Company is expected to give good quarter Company has good consistent profit growth of 28.73% over 5 years
Cons: Stock is trading at 2.98 times its book value Though the company is reporting repeated profits, it is not paying out dividend Promoter holding is low: 1.58%

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. ₹3,087.05 46.22 ₹193,249.74 Cr. 0.18 ₹1,124.73 Cr. 34.90 39.77 5297.78 13.02
2. Bajaj Finserv ₹3,087.05 34.98 ₹113,297.75 Cr. 0.04 ₹845.34 Cr. 2.37 39.92 12271.66 14.02
3. HDFC AMC ₹2,094.45 53.35 ₹54,262.28 Cr. 0.94 ₹291.79 Cr. 42.16 7.04 504.39 51.64
4. Bajaj Holdings ₹3,087.05 12.04 ₹36,192.06 Cr. 1.00 ₹669.28 Cr. -5.90 -24.91 78.63 12.16
5. Muthoot Finance ₹675.8 12.10 ₹24,336.51 Cr. 1.98 ₹530.03 Cr. 7.83 13.74 1856.82 16.22
6. Shriram Trans. ₹10.1 8.51 ₹21,920.01 Cr. 1.24 ₹637.44 Cr. 10.79 8.70 4053.80 11.36
7. Cholaman.Inv.&Fn 17.53 ₹21,007.57 Cr. 0.48 ₹315.17 Cr. 12.05 24.51 2045.23 10.81
8. Bharat Financial 12.79 ₹12,594.17 Cr. 0.00 ₹321.17 Cr. 50.49 31.70 851.01 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

Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019
Revenue369407409368451482576646612760814851
Interest136158164165176179183189199205204181
Expenses137143144476180156181238227244224243
Employee Cost %25.72%24.49%25.95%28.65%24.17%24.69%25.56%23.2%26.02%21%18.58%20.05%
Financing Profit96107100-27296146212218186312386427
Financing Margin %26%26%25%-74%21%30%37%34%30%41%47%50%
Other Income4542464100010000
Depreciation233433443456
Profit before tax139146143-23593143209215183308381421
Tax %-70%0%0%-0%48%6%8%1%22%24%24%24%
Net Profit236146143-23548135193213142233288321
EPS in Rs18.5211.4110.36-17.033.499.7613.9115.3410.1916.6620.5822.91
Gross NPA %0.10%0.10%0.06%6.00%5.90%5.10%4.30%2.40%0.30%0.40%0.60%0.80%
Net NPA %0.03%0.04%0.03%2.70%0.20%0.10%0.10%0.10%0.10%0.10%0.20%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
Revenue451695539551,2624723525458021,3201,7282,1013,037
Interest1456194288350200143214279485622710789
Expenses27802253907331,586500257326434900924938
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 Profit533134277179-1,314-291741984012054671,310
Financing Margin %10%20%24%29%14%-279%-83%14%25%30%12%22%43%
Other Income2113810011010
Depreciation25111316106458131318
Profit before tax529124268171-1,324-297701943941934551,292
Tax %51%43%35%35%35%-3%-0%0%3%23%-50%-0%
Net Profit21780174112-1,361-29770188303290455985
EPS in Rs15.440.000.006.4514.8623.8020.9932.6970.34
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:: 40.87%

Compounded Profit Growth

  • 10 Years:: 39.28%
  • 5 Years:: 28.73%
  • 3 Years:: 34.39%
  • TTM:: 67.04%

Return on Equity

  • 10 Years:: 0.12%
  • 5 Years:: 18.57%
  • 3 Years:: 17.90%
  • Last Year:: 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 2018Mar 2019
Share Capital274457657272108108126127138139140
Preference Capital009.16000000000
Equity Capital26.6444.3347.964.5372.3272.36108.21108.21126.29127.31137.98139.32140.21
Reserves451686068891,7083582823519201,2562,3092,8594,084
Borrowings2497902,1372,6952,2351,0211,6181,5313,2805,1307,1257,6174,778
Other Liabilities15882494073112715035073726418469151,226
Trade Payables1.344.6713.0520.6300.070000000
Total Liabilities3351,0893,0394,0554,3261,7222,5112,4974,6997,15410,41811,53110,229
Fixed Assets514182328201110915222231
CWIP0112300211000
Investments0000400000000
Other Assets3301,0753,0204,0314,2921,7012,5002,4864,6887,13710,39511,50910,198
Trade receivables0.1202.142.951.550.210.562.573.426.3710.9311.376.76
Cash Equivalents56.45275.231547.02973.52519.58669.18860.59639.711536.771766.282806.372046.452008.36
Loans n Advances273.24799.571470.83046.473614.8707.771319.791581.412778.074762.226068.027855.167637.16
Other Assets etc0007.71155.62324.15319262.13370.08602.181509.971595.77546.01
Total Assets3351,0893,0394,0554,3261,7222,5112,4974,6997,15410,41811,53110,229

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.