Edition:
India

Bharat Financial Inclusion Ltd (BHAF.NS)

BHAF.NS on National Stock Exchange of India

1,006.35INR
19 Jan 2018
Change (% chg)

Rs2.05 (+0.20%)
Prev Close
Rs1,004.30
Open
Rs1,004.30
Day's High
Rs1,010.00
Day's Low
Rs999.65
Volume
282,222
Avg. Vol
1,131,448
52-wk High
Rs1,068.00
52-wk Low
Rs651.00

Revenue & Earnings Per Share

    Revenue* Earnings Per Share**
FY 2018 Jun 4,111.80 -2.690
FY 2017 Mar '17 3,678.36 -17.698
Dec 4,088.92 10.260
Sep 4,073.88 11.260
Jun 3,689.59 18.290
FY 2016 Mar '16 3,297.61 6.561
Dec 3,072.51 6.190
Sep 2,912.66 6.060
Jun 2,408.57 4.762
 
*Note: Units in Millions ofRupee
**Note: Units in Rupee

Consensus Estimates Analysis

  # of Estimates Mean High Low 1 Year Ago
SALES (in millions)
Quarter Ending Mar-18 2 4,733.00 5,715.00 3,751.00 --
Year Ending Mar-18 6 14,317.30 14,523.00 14,090.00 16,183.30
Year Ending Mar-19 10 20,105.50 23,785.20 17,696.00 22,599.50
Earnings (per share)
Quarter Ending Jun-18 1 20.21 20.21 20.21 --
Quarter Ending Sep-18 1 15.92 15.92 15.92 --
Year Ending Mar-18 7 33.83 37.22 30.30 48.34
Year Ending Mar-19 11 56.57 74.51 47.20 59.34
LT Growth Rate (%) 1 60.49 60.49 60.49 33.63
Sales and Profit Figures in India Rupee (INR);

Valuation Ratios

  Company industry sector
P/E Ratio (TTM) 857.78 57.88 20.18
P/E High - Last 5 Yrs. 37.49 34.26 28.44
P/E Low - Last 5 Yrs. 23.15 11.14 11.61
Beta 1.52 1.23 1.47
Price to Sales (TTM) 8.43 9.34 5.93
Price to Book (MRQ) -- 4.36 2.77
Price to Tangible Book (MRQ) -- 4.82 2.91
Price to Cash Flow (TTM) 447.56 106.28 25.62
% Owned Institutions -- 2.96 0.77

Dividends

  Company industry sector
Dividend Yield -- 1.15 1.98
Dividend Yield - 5 Year Avg -- 0.92 2.07
Dividend 5 Year Growth Rate -- 14.72 21.88
Payout Ratio(TTM) 0.00 15.86 18.86

Growth Rates

  Company industry sector
Sales (MRQ) vs Qtr. 1 Yr. Ago 11.44 21.02 16.22
Sales (TTM) vs TTM 1 Yr. Ago 22.98 17.69 11.37
Sales - 5 Yr. Growth Rate 28.94 20.02 14.09
EPS (MRQ) vs Qtr. 1 Yr. Ago -114.71 2.24 36.71
EPS (TTM) vs TTM 1 Yr. Ago -96.95 -- --
EPS - 5 Yr. Growth Rate -- 18.44 10.46
Capital Spending - 5 Yr. Growth Rate 48.18 14.61 19.47

Financial Strength

  Company industry sector
Quick Ratio (MRQ) -- 0.17 0.05
Current Ratio (MRQ) -- 0.83 2.02
LT Debt to Equity (MRQ) -- 181.63 31.37
Total Debt to Equity (MRQ) -- 244.91 70.90
Interest Coverage (TTM) -- 35.58 8.95

Profitability Ratios

  Company industry sector
Gross Margin (TTM) 58.55 38.04 3.51
Gross Margin - 5 Yr. Avg. 59.44 42.18 3.37
EBITD Margin (TTM) -9.50 -- --
EBITD - 5 Yr. Avg 3.24 22.37 48.22
Operating Margin (TTM) -10.33 19.95 36.00
Operating Margin - 5 Yr. Avg. 2.37 -43.45 40.76
Pre-Tax Margin (TTM) 1.05 19.89 36.46
Pre-Tax Margin - 5 Yr. Avg. 12.87 -45.81 41.06
Net Profit Margin (TTM) 1.05 13.55 29.12
Net Profit Margin - 5 Yr. Avg. 12.87 -52.10 32.43
Effective Tax Rate (TTM) 0.00 27.29 21.06
Effective Tax Rate - 5 Yr. Avg. -0.01 27.56 20.97

Efficiency

  Company industry sector
Revenue/Employee (TTM) 1,081,190 24,540,950 59,657,001
Net Income/Employee (TTM) 11,336 4,173,162 19,555,003
Receivable Turnover (TTM) -- 130.51 8,555.11
Inventory Turnover (TTM) -- 89.77 0.96
Asset Turnover (TTM) -- 0.10 0.02

Management Effectiveness

  Company industry sector
Return on Assets (TTM) -- 1.29 2.59
Return on Assets - 5 Yr. Avg. 2.41 2.13 2.84
Return on Investment (TTM) -- 1.82 0.47
Return on Investment - 5 Yr. Avg. 5.31 3.22 0.51
Return on Equity (TTM) -- 8.96 15.37
Return on Equity - 5 Yr. Avg. 11.72 17.65 19.96
  1 Year 3 Year 5 Year
Sales % 32.84 44.10 28.94
EPS (TTM) % -8.57 49.60 --
Dividend % -- -- --
Note: Units in Millions of US Dollars

Performance for Bharat Financial Inclusion Ltd

Period %
Actual
% vs.
S&P 500
Rank In
Industry
Industry
Rank
4 Week 3.90 3.49 99 31
13 Week 31.35 29.48 99 73
26 Week 23.12 14.96 99 82
52 Week 9.50 -3.26 99 58
YTD 65.20 38.26 99 91
Note:: Rank is a percentile that ranges from 0 to 99, with 99 = best.

Institutional Holders

% Shares Owned: 57.86%
# of Holders: 86
Total Shares Held: 80,393,017
3 Mo. Net Change: 462,119
# New Positions: 3
# Closed Positions: 5
# Increased Positions: 13
# Reduced Positions: 20
# Net Buyers: -7
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