Bharat Financial Inclusion Ltd(Merged))

Bharat Financial Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Bharat Financial Inclusion Ltd(Merged))

₹ 898 -0.93%
02 Jul 2019
bfil.co.in BSE: 533228
About

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 enrolled as members and organized as Joint Liability Groups. In addition to its business of providing micro-credit, the Company uses its distribution channel to provide other financial products and services to the members.

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Website BSE
  • Market Cap ₹ 12,594 Cr.
  • Current Price ₹ 898
  • High / Low ₹ /
  • Stock P/E 12.8
  • Book Value ₹ 301
  • Dividend Yield 0.00 %
  • ROCE 11.5 %
  • ROE 16.7 %
  • Face Value ₹ 10.0
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Pros

  • Company has reduced debt.
  • Company is expected to give good quarter
  • Company has delivered good profit growth of 28.7% CAGR over last 5 years
  • Company's median sales growth is 32.1% of last 10 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

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Figures in Rs. Crores

Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019
330 369 407 409 368 451 482 576 646 612 760 814 851
123 137 143 144 476 180 156 181 238 227 244 224 243
Operating Profit 207 232 264 265 -108 272 325 395 408 385 516 590 608
OPM % 63% 63% 65% 65% -29% 60% 68% 69% 63% 63% 68% 72% 71%
41 45 42 46 41 0 0 0 1 0 0 0 0
Interest 134 136 158 164 165 176 179 183 189 199 205 204 181
Depreciation 3 2 3 3 4 3 3 4 4 3 4 5 6
Profit before tax 110 139 146 143 -235 93 143 209 215 183 308 381 421
Tax % 23% -70% 0% 0% 0% 48% 6% 8% 1% 22% 24% 24% 24%
84 236 146 143 -235 48 135 193 213 142 233 288 321
EPS in Rs 6.64 18.50 10.60 10.36 -17.02 3.49 9.74 13.88 15.32 10.19 16.63 20.57 22.91
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Profit & Loss

Figures in Rs. Crores

Mar 2007 Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 TTM
45 169 553 955 1,262 472 352 545 802 1,320 1,728 2,101 3,037
27 80 225 390 733 1,586 500 257 326 434 900 924 938
Operating Profit 18 90 328 565 529 -1,114 -148 288 477 886 828 1,177 2,098
OPM % 41% 53% 59% 59% 42% -236% -42% 53% 59% 67% 48% 56% 69%
2 1 1 3 8 1 0 0 1 1 0 1 0
Interest 14 56 194 288 350 200 143 214 279 485 622 710 789
Depreciation 2 5 11 13 16 10 6 4 5 8 13 13 18
Profit before tax 5 29 124 268 171 -1,324 -297 70 194 394 193 455 1,292
Tax % 51% 43% 35% 35% 35% -3% 0% 0% 3% 23% -50% -0%
2 17 80 174 112 -1,361 -297 70 188 303 290 455 985
EPS in Rs 15.44 -187.93 -27.46 6.46 14.86 23.80 20.99 32.70 70.30
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 29%
5 Years: 43%
3 Years: 38%
TTM: 41%
Compounded Profit Growth
10 Years: 39%
5 Years: 29%
3 Years: 34%
TTM: 67%
Stock Price CAGR
10 Years: 13%
5 Years: -3%
3 Years: %
1 Year: %
Return on Equity
10 Years: 0%
5 Years: 19%
3 Years: 18%
Last Year: 17%

Balance Sheet

Figures in Rs. Crores

Mar 2007 Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
Equity Capital 27 44 48 65 72 72 108 108 126 127 138 139 140
Reserves 45 168 608 894 1,708 362 282 351 920 1,256 2,309 2,859 4,084
Preference Capital 0 0 9 0 0 0 0 0 0 0 0 0
249 790 2,137 2,695 2,235 1,021 1,618 1,531 3,280 5,130 7,125 7,617 4,778
15 87 247 403 310 266 503 507 372 641 846 915 1,226
Total Liabilities 335 1,089 3,039 4,055 4,326 1,722 2,511 2,497 4,699 7,154 10,418 11,531 10,229
5 14 18 23 28 20 11 10 9 15 22 22 31
CWIP 0 1 1 2 3 0 0 2 1 1 0 0 0
Investments 0 0 0 0 4 0 0 0 0 0 0 0 0
330 1,074 3,020 4,031 4,292 1,701 2,500 2,486 4,688 7,137 10,395 11,509 10,198
Total Assets 335 1,089 3,039 4,055 4,326 1,722 2,511 2,497 4,699 7,154 10,418 11,531 10,229

Cash Flows

Figures in Rs. Crores

Mar 2007 Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018
-192 -432 -277 -1,226
-4 -25 -230 14
233 665 1,564 671
Net Cash Flow 38 208 1,057 -541

Ratios

Figures in Rs. Crores

Mar 2007 Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018
Debtor Days 1 0 1 1 0 0 1 2 2 2 2 2
Inventory Days
Days Payable
Cash Conversion Cycle 1 0 1 1 0 0 1 2 2 2 2 2
Working Capital Days 2,081 1,536 813 1,008 959 376 1,121 847 1,102 1,152 1,165 1,250
ROCE % 9% 13% 17% 17% 14% -41% -9% 14% 15% 16% 10% 12%

Shareholding Pattern

Numbers in percentages

Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019
1.75% 1.66% 1.66% 1.66% 1.65% 1.65% 1.64% 1.59% 1.58% 1.58% 1.58% 1.58%
74.49% 70.22% 64.97% 68.33% 68.83% 60.71% 59.02% 55.52% 53.67% 60.18% 61.25% 60.27%
9.10% 10.23% 13.89% 14.18% 16.84% 23.98% 26.36% 29.97% 32.14% 27.61% 26.18% 24.73%
14.65% 17.88% 19.46% 15.82% 12.67% 13.65% 12.96% 12.91% 12.60% 10.62% 10.99% 13.42%
0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.00% 0.00%
No. of Shareholders 53,70665,02463,61566,23646,00742,81737,60938,39737,75437,57234,18634,575

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

Annual reports

Credit ratings

Concalls

  • May 2019
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  • Nov 2018
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  • May 2018
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  • Mar 2018
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  • Oct 2017
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  • Oct 2017
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  • Mar 2017
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  • Aug 2016
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