Edition:
United Kingdom

Bharat Financial Inclusion Ltd (BHAF.NS)

BHAF.NS on National Stock Exchange of India

1,078.95INR
20 Mar 2019
Change (% chg)

Rs-4.05 (-0.37%)
Prev Close
Rs1,083.00
Open
Rs1,089.00
Day's High
Rs1,089.00
Day's Low
Rs1,073.30
Volume
200,566
Avg. Vol
623,369
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 6 21,784.40 28,375.00 18,507.20 21,062.40
Year Ending Mar-20 6 27,929.00 34,050.00 24,770.30 27,716.50
Earnings (per share)
Year Ending Mar-19 7 58.19 66.49 43.70 56.56
Year Ending Mar-20 7 73.16 86.65 60.80 73.26
LT Growth Rate (%) 1 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 40.62 19.22
P/E High - Last 5 Yrs. 37.49 29.83 24.22
P/E Low - Last 5 Yrs. 23.15 9.30 11.39
Beta 1.52 1.18 1.45
Price to Sales (TTM) 8.43 6.27 6.09
Price to Book (MRQ) -- 4.06 2.72
Price to Tangible Book (MRQ) -- 4.40 2.82
Price to Cash Flow (TTM) 447.56 71.67 23.44
% Owned Institutions -- 2.69 0.70

Dividends

  Company industry sector
Dividend Yield -- 1.57 1.98
Dividend Yield - 5 Year Avg -- 1.14 2.06
Dividend 5 Year Growth Rate -- 15.99 21.44
Payout Ratio(TTM) 0.00 19.22 18.68

Growth Rates

  Company industry sector
Sales (MRQ) vs Qtr. 1 Yr. Ago 11.44 20.03 16.61
Sales (TTM) vs TTM 1 Yr. Ago 22.98 15.87 10.60
Sales - 5 Yr. Growth Rate 28.94 15.27 13.72
EPS (MRQ) vs Qtr. 1 Yr. Ago -114.71 7.44 36.33
EPS (TTM) vs TTM 1 Yr. Ago -96.95 -- --
EPS - 5 Yr. Growth Rate -- 16.11 10.18
Capital Spending - 5 Yr. Growth Rate 48.18 12.35 19.09

Financial Strength

  Company industry sector
Quick Ratio (MRQ) -- 0.27 0.04
Current Ratio (MRQ) -- 0.88 1.63
LT Debt to Equity (MRQ) -- 189.77 33.84
Total Debt to Equity (MRQ) -- 256.43 73.41
Interest Coverage (TTM) -- 54.73 11.06

Profitability Ratios

  Company industry sector
Gross Margin (TTM) 58.55 45.18 3.35
Gross Margin - 5 Yr. Avg. 59.44 45.34 3.01
EBITD Margin (TTM) -9.50 -- --
EBITD - 5 Yr. Avg 3.24 22.20 47.97
Operating Margin (TTM) -10.33 16.84 34.58
Operating Margin - 5 Yr. Avg. 2.37 -26.23 40.53
Pre-Tax Margin (TTM) 1.05 18.32 35.07
Pre-Tax Margin - 5 Yr. Avg. 12.87 -25.76 41.02
Net Profit Margin (TTM) 1.05 12.48 27.79
Net Profit Margin - 5 Yr. Avg. 12.87 -31.65 32.49
Effective Tax Rate (TTM) 0.00 25.98 20.97
Effective Tax Rate - 5 Yr. Avg. -0.01 27.09 20.77

Efficiency

  Company industry sector
Revenue/Employee (TTM) 1,081,190 53,017,945 58,296,218
Net Income/Employee (TTM) 11,336 9,060,586 21,021,089
Receivable Turnover (TTM) -- 97.69 13,375.94
Inventory Turnover (TTM) -- 153.31 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 2.24 2.79
Return on Investment (TTM) -- 2.07 0.45
Return on Investment - 5 Yr. Avg. 5.31 3.23 0.46
Return on Equity (TTM) -- 10.52 15.43
Return on Equity - 5 Yr. Avg. 11.72 18.26 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 42
13 Week 31.35 29.48 99 64
26 Week 23.12 14.96 99 64
52 Week 9.50 -3.26 99 48
YTD 65.20 38.26 99 80
Note:: Rank is a percentile that ranges from 0 to 99, with 99 = best.

Institutional Holders

% Shares Owned: 79.27%
# of Holders: 80
Total Shares Held: 111,132,161
3 Mo. Net Change: 14,713,335
# New Positions: 7
# Closed Positions: 8
# Increased Positions: 29
# Reduced Positions: 29
# Net Buyers: 0
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