Edition:
United Kingdom

Bharat Financial Inclusion Ltd (BHAF.NS)

BHAF.NS on National Stock Exchange of India

951.10INR
9:59am GMT
Change (% chg)

Rs-6.80 (-0.71%)
Prev Close
Rs957.90
Open
Rs960.00
Day's High
Rs960.00
Day's Low
Rs945.20
Volume
175,173
Avg. Vol
962,372
52-wk High
Rs1,234.80
52-wk Low
Rs823.75

Revenue & Earnings Per Share

    Revenue* Earnings Per Share**
FY 2019 Sep 7,601.00 16.530
Jun 6,112.70 10.120
FY 2018 Mar '18 6,459.70 15.250
Dec 5,036.08 11.640
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 6 20,826.20 28,375.00 18,507.20 20,105.50
Year Ending Mar-20 6 26,939.50 34,050.00 24,664.00 26,417.30
Earnings (per share)
Year Ending Mar-19 7 54.17 66.49 43.70 56.57
Year Ending Mar-20 7 70.58 86.65 60.80 70.77
LT Growth Rate (%) 1 60.49 60.49 60.49 60.49
Sales and Profit Figures in India Rupee (INR);

Valuation Ratios

  Company industry sector
P/E Ratio (TTM) 857.78 40.94 19.22
P/E High - Last 5 Yrs. 37.49 30.14 24.23
P/E Low - Last 5 Yrs. 23.15 9.44 11.39
Beta 1.52 1.20 1.45
Price to Sales (TTM) 8.43 6.31 6.07
Price to Book (MRQ) -- 4.07 2.72
Price to Tangible Book (MRQ) -- 4.41 2.81
Price to Cash Flow (TTM) 447.56 72.05 23.44
% Owned Institutions -- 2.70 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 -- 16.11 21.46
Payout Ratio(TTM) 0.00 19.26 18.67

Growth Rates

  Company industry sector
Sales (MRQ) vs Qtr. 1 Yr. Ago 11.44 20.31 16.60
Sales (TTM) vs TTM 1 Yr. Ago 22.98 16.21 10.60
Sales - 5 Yr. Growth Rate 28.94 15.52 13.73
EPS (MRQ) vs Qtr. 1 Yr. Ago -114.71 7.66 36.34
EPS (TTM) vs TTM 1 Yr. Ago -96.95 -- --
EPS - 5 Yr. Growth Rate -- 16.21 10.18
Capital Spending - 5 Yr. Growth Rate 48.18 12.52 19.10

Financial Strength

  Company industry sector
Quick Ratio (MRQ) -- 0.27 0.04
Current Ratio (MRQ) -- 0.88 1.64
LT Debt to Equity (MRQ) -- 190.24 33.84
Total Debt to Equity (MRQ) -- 257.06 73.44
Interest Coverage (TTM) -- 54.87 11.07

Profitability Ratios

  Company industry sector
Gross Margin (TTM) 58.55 45.72 3.34
Gross Margin - 5 Yr. Avg. 59.44 45.81 3.00
EBITD Margin (TTM) -9.50 -- --
EBITD - 5 Yr. Avg 3.24 22.33 47.98
Operating Margin (TTM) -10.33 16.97 34.58
Operating Margin - 5 Yr. Avg. 2.37 -26.22 40.54
Pre-Tax Margin (TTM) 1.05 18.46 35.08
Pre-Tax Margin - 5 Yr. Avg. 12.87 -25.75 41.03
Net Profit Margin (TTM) 1.05 12.57 27.79
Net Profit Margin - 5 Yr. Avg. 12.87 -31.68 32.50
Effective Tax Rate (TTM) 0.00 26.28 20.98
Effective Tax Rate - 5 Yr. Avg. -0.01 27.37 20.78

Efficiency

  Company industry sector
Revenue/Employee (TTM) 1,081,190 53,265,020 58,346,536
Net Income/Employee (TTM) 11,336 9,093,397 21,039,596
Receivable Turnover (TTM) -- 97.94 13,387.80
Inventory Turnover (TTM) -- 153.70 1.33
Asset Turnover (TTM) -- 0.13 0.02

Management Effectiveness

  Company industry sector
Return on Assets (TTM) -- 1.52 2.58
Return on Assets - 5 Yr. Avg. 2.41 2.25 2.79
Return on Investment (TTM) -- 2.08 0.45
Return on Investment - 5 Yr. Avg. 5.31 3.25 0.46
Return on Equity (TTM) -- 10.55 15.43
Return on Equity - 5 Yr. Avg. 11.72 18.37 19.79
  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 43
13 Week 31.35 29.48 99 63
26 Week 23.12 14.96 99 65
52 Week 9.50 -3.26 99 48
YTD 65.20 38.26 99 81
Note:: Rank is a percentile that ranges from 0 to 99, with 99 = best.

Institutional Holders

% Shares Owned: 82.84%
# of Holders: 79
Total Shares Held: 116,097,241
3 Mo. Net Change: 14,147,643
# New Positions: 5
# Closed Positions: 3
# Increased Positions: 22
# Reduced Positions: 27
# Net Buyers: -5
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