Edition:
India

Bharat Financial Inclusion Ltd (BHAF.NS)

BHAF.NS on National Stock Exchange of India

1,049.05INR
12:14pm IST
Change (% chg)

Rs-9.85 (-0.93%)
Prev Close
Rs1,058.90
Open
Rs1,054.10
Day's High
Rs1,074.00
Day's Low
Rs1,045.50
Volume
409,664
Avg. Vol
556,099
52-wk High
Rs1,234.80
52-wk Low
Rs823.75

Revenue & Earnings Per Share

    Revenue* Earnings Per Share**
FY 2019 Dec 8,137.40 20.500
Sep 7,601.00 16.530
Jun 6,112.70 10.120
FY 2018 Mar '18 6,459.70 15.250
Dec 5,763.50 13.820
Sep 4,816.90 9.680
Jun 4,514.80 3.460
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
 
*Note: Units in Millions ofRupee
**Note: Units in Rupee

Consensus Estimates Analysis

  # of Estimates Mean High Low 1 Year Ago
SALES (in millions)
Year Ending Mar-19 3 21,082.70 21,388.00 20,856.00 21,001.40
Year Ending Mar-20 5 26,704.90 28,179.00 24,770.30 27,473.70
Earnings (per share)
Year Ending Mar-19 5 65.73 80.70 53.90 56.99
Year Ending Mar-20 7 81.17 119.80 66.60 72.76
Sales and Profit Figures in India Rupee (INR);

Valuation Ratios

  Company industry sector
P/E Ratio (TTM) 857.78 40.60 19.19
P/E High - Last 5 Yrs. 37.49 29.82 24.13
P/E Low - Last 5 Yrs. 23.15 9.30 11.37
Beta 1.52 1.18 1.45
Price to Sales (TTM) 8.43 6.27 5.74
Price to Book (MRQ) -- 4.06 2.72
Price to Tangible Book (MRQ) -- 4.40 2.81
Price to Cash Flow (TTM) 447.56 71.63 23.39
% Owned Institutions -- 2.69 0.70

Dividends

  Company industry sector
Dividend Yield -- 1.58 1.98
Dividend Yield - 5 Year Avg -- 1.14 2.05
Dividend 5 Year Growth Rate -- 15.99 21.40
Payout Ratio(TTM) 0.00 19.23 18.66

Growth Rates

  Company industry sector
Sales (MRQ) vs Qtr. 1 Yr. Ago 11.44 20.03 17.29
Sales (TTM) vs TTM 1 Yr. Ago 22.98 15.87 10.84
Sales - 5 Yr. Growth Rate 28.94 15.26 13.80
EPS (MRQ) vs Qtr. 1 Yr. Ago -114.71 7.56 36.99
EPS (TTM) vs TTM 1 Yr. Ago -96.95 -- --
EPS - 5 Yr. Growth Rate -- 16.11 10.24
Capital Spending - 5 Yr. Growth Rate 48.18 12.33 19.08

Financial Strength

  Company industry sector
Quick Ratio (MRQ) -- 0.27 0.05
Current Ratio (MRQ) -- 0.88 1.66
LT Debt to Equity (MRQ) -- 189.70 33.98
Total Debt to Equity (MRQ) -- 256.41 73.61
Interest Coverage (TTM) -- 54.70 13.78

Profitability Ratios

  Company industry sector
Gross Margin (TTM) 58.55 45.21 3.47
Gross Margin - 5 Yr. Avg. 59.44 45.35 3.13
EBITD Margin (TTM) -9.50 -- --
EBITD - 5 Yr. Avg 3.24 22.20 47.99
Operating Margin (TTM) -10.33 16.87 35.89
Operating Margin - 5 Yr. Avg. 2.37 -26.19 40.56
Pre-Tax Margin (TTM) 1.05 18.37 36.43
Pre-Tax Margin - 5 Yr. Avg. 12.87 -25.72 41.06
Net Profit Margin (TTM) 1.05 12.53 29.14
Net Profit Margin - 5 Yr. Avg. 12.87 -31.61 32.55
Effective Tax Rate (TTM) 0.00 25.97 20.95
Effective Tax Rate - 5 Yr. Avg. -0.01 27.08 20.76

Efficiency

  Company industry sector
Revenue/Employee (TTM) 1,081,190 52,985,541 58,158,768
Net Income/Employee (TTM) 11,336 9,055,663 20,971,353
Receivable Turnover (TTM) -- 97.63 13,344.61
Inventory Turnover (TTM) -- 153.21 1.34
Asset Turnover (TTM) -- 0.13 0.02

Management Effectiveness

  Company industry sector
Return on Assets (TTM) -- 1.53 2.60
Return on Assets - 5 Yr. Avg. 2.41 2.24 2.81
Return on Investment (TTM) -- 2.09 0.47
Return on Investment - 5 Yr. Avg. 5.31 3.24 0.48
Return on Equity (TTM) -- 10.53 15.44
Return on Equity - 5 Yr. Avg. 11.72 18.25 19.77
  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 42
13 Week 31.35 29.48 99 65
26 Week 23.12 14.96 99 65
52 Week 9.50 -3.26 99 49
YTD 65.20 38.26 99 82
Note:: Rank is a percentile that ranges from 0 to 99, with 99 = best.

Institutional Holders

% Shares Owned: 74.42%
# of Holders: 68
Total Shares Held: 104,347,365
3 Mo. Net Change: -1,648,059
# New Positions: 0
# Closed Positions: 6
# Increased Positions: 15
# Reduced Positions: 22
# Net Buyers: -7
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