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Last Updated: April 2, 2026, 4:12 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 532485 | NSE: BLIL

Balmer Lawrie Investment Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹60.00Overvalued by 11.50%vs CMP ₹67.80

P/E (8.7) × ROE (13.2%) × BV (₹61.20) × DY (6.34%)

₹94.52Undervalued by 39.41%vs CMP ₹67.80
MoS: +28.3% (Adequate)Confidence: 43/100 (Low)Models: 4 Under, 2 Fair, 2 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹68.6224%Fair (+1.2%)
Graham NumberEarnings₹103.4417%Under (+52.6%)
Earnings PowerEarnings₹88.0312%Under (+29.8%)
DCFCash Flow₹238.6214%Under (+251.9%)
Net Asset ValueAssets₹61.228%Fair (-9.7%)
EV/EBITDAEnterprise₹21.6210%Over (-68.1%)
Earnings YieldEarnings₹77.708%Under (+14.6%)
ROCE CapitalReturns₹36.178%Over (-46.7%)
Consensus (8 models)₹94.52100%Undervalued
Key Drivers: Wide model spread (₹22–₹239) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 14.4%

*Investments are subject to market risks

Investment Snapshot

65
Balmer Lawrie Investment Ltd scores 65/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health81/100 · Strong
ROCE 17.2% GoodROE 13.2% GoodD/E 0.08 Low debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money50/100 · Moderate
FII holding stable No changePromoter holding at 59.7% Stable
Earnings Quality50/100 · Moderate
Quarterly Momentum58/100 · Moderate
Profit (4Q): +0% YoY Positive
Industry Rank75/100 · Strong
P/E 8.7 vs industry 101.6 Cheaper than peersROCE 17.2% vs industry 15.8% AverageROE 13.2% vs industry 8.8% Above peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Balmer Lawrie Investment Ltd Investor Signals

Computed from valuation, cash flow, balance sheet, ownership and quarterly trend data already available in this stock page.

Value Trap Score
20/100
Low
Derived from: Cheapness + weak quality + weak cash support
Current data: P/E 8.7 vs Ind 101.6 | ROCE 17.2% | ROE 13.2% | CFO/NP N/A
Balance Sheet Stress
0/100
Comfortable
Derived from: Leverage + debt servicing + liquidity + debt trend
Current data: D/E 0.08x | IntCov 0.0x | Current 2.51x | Borrow/Reserve 0.00x
Cash Flow Reliability
14/100
Weak
Derived from: Cash backing of earnings + working capital pressure
Current data: CFO ₹0 Cr | NP ₹267 Cr | CFO/NP N/A
Ownership Accumulation
-25
Neutral
Derived from: FII + DII + promoter direction, adjusted by crowding
Current data: FII -0.04 pp | DII 0.00 pp | Prom 0.00 pp
Business Momentum
+21
Stable
Derived from: Latest quarter sales + profit + OPM change
Current data: Q Sales N/A | Q NP +17.5% | Q OPM N/A
Derived FieldValueHow it is derived
Valuation Gap %+39.4%((Fair Value - CMP) / CMP) × 100
Borrowings / Reserves0.00xLatest borrowings divided by latest reserves
CFO / Net ProfitN/ALatest operating cash flow divided by latest net profit
FII Change-0.04 ppLatest FII% minus previous FII%
DII Change0.00 ppLatest DII% minus previous DII%
Promoter Change0.00 ppLatest promoter% minus previous promoter%
Shareholder Count Change-624Latest shareholder count minus previous count
Quarterly Sales ChangeN/ALatest quarter sales vs previous quarter sales
Quarterly Profit Change+17.5%Latest quarter net profit vs previous quarter net profit
Quarterly OPM ChangeN/ALatest quarter OPM minus previous quarter OPM

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 4:12 am

Market Cap 1,505 Cr.
Current Price 67.8
Intrinsic Value₹94.52
High / Low 95.8/62.3
Stock P/E8.73
Book Value 61.2
Dividend Yield6.34 %
ROCE17.2 %
ROE13.2 %
Face Value 1.00
PEG Ratio0.61

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Balmer Lawrie Investment Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Balmer Lawrie Investment Ltd 1,505 Cr. 67.8 95.8/62.38.73 61.26.34 %17.2 %13.2 % 1.00
Ashika Credit Capital Ltd 1,504 Cr. 336 569/286155 1380.00 %22.1 %20.2 % 10.0
Arman Financial Services Ltd 1,561 Cr. 1,485 1,850/1,11155.1 8300.00 %13.3 %6.17 % 10.0
Mufin Green Finance Ltd 1,765 Cr. 102 126/63.183.7 18.40.00 %12.6 %7.89 % 1.00
AK Capital Services Ltd 997 Cr. 1,511 1,719/9309.59 1,5372.51 %8.48 %8.97 % 10.0
Industry Average22,241.21 Cr369.74101.56513.160.26%15.81%8.84%8.50

All Competitor Stocks of Balmer Lawrie Investment Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue516610594587587579641642633611683638659
Interest 55655665967710
Expenses 464556528511511485574569547514598568571
Financing Profit47506072708860687791796378
Financing Margin %9%8%10%12%12%15%9%11%12%15%12%10%12%
Other Income 15352428273031292233252725
Depreciation 14141514141514141516141618
Profit before tax 4770708583103768284107897586
Tax % 22%38%18%25%19%27%15%24%24%30%22%24%22%
Net Profit 37445764687565636475695767
EPS in Rs 1.101.271.661.831.942.141.861.821.882.172.011.661.93
Gross NPA %
Net NPA %

Last Updated: March 3, 2026, 11:58 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 27, 2026, 12:05 am

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue1,8171,5731,5632,0742,3352,3732,5452,592
Interest 715121418222730
Expenses 1,5471,3471,4131,8832,1102,0242,1932,251
Financing Profit263211138178207327326311
Financing Margin %14%13%9%9%9%14%13%12%
Other Income 58597965815285110
Depreciation 3052555757596064
Profit before tax 290218162186232319350357
Tax % 30%26%26%26%26%24%24%
Net Profit 202161121137172242267268
EPS in Rs 5.794.763.593.975.006.967.737.77
Dividend Payout % 59%79%106%75%66%55%56%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)-20.30%-24.84%13.22%25.55%40.70%10.33%
Change in YoY Net Profit Growth (%)0.00%-4.55%38.07%12.32%15.15%-30.37%

Balmer Lawrie Investment Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 6 years from 2019-2020 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:%
5 Years:10%
3 Years:7%
TTM:7%
Compounded Profit Growth
10 Years:%
5 Years:10%
3 Years:26%
TTM:2%
Stock Price CAGR
10 Years:14%
5 Years:18%
3 Years:30%
1 Year:-3%
Return on Equity
10 Years:%
5 Years:11%
3 Years:12%
Last Year:13%

Last Updated: September 5, 2025, 2:36 pm

Balance Sheet

Last Updated: February 1, 2026, 2:25 am

MonthMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 2222222222222222
Reserves 1,0521,0811,0761,0941,1171,1991,3541,337
Borrowing81122125122121113106237
Other Liabilities 1,2661,2561,3041,3401,5401,6911,7231,797
Total Liabilities 2,4202,4822,5272,5782,8013,0253,2043,393
Fixed Assets 568770767767760751737789
CWIP 11724321128526779
Investments 325375386436518565632669
Other Assets 1,4101,3131,3411,3641,4951,6571,7691,855
Total Assets 2,4202,4822,5272,5782,8013,0253,2043,393

Reserves and Borrowings Chart

Cash Flow

MonthMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + 17718724723206280164
Cash from Investing Activity + -137-60-80137-48-1179
Cash from Financing Activity + -61-159-153-148-145-172-183
Net Cash Flow -21-32141213-9-10
Free Cash Flow -24139204615622898
CFO/OP 98%109%186%37%111%99%74%

Free Cash Flow

MonthMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-80.00-121.00-124.00-121.00-119.00-111.00-104.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days 56636755566669
Inventory Days 47585851474743
Days Payable 0889968697566
Cash Conversion Cycle 102332738353746
Working Capital Days 42513251414262
ROCE %13%9%11%13%17%17%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 59.67%59.67%59.67%59.67%59.67%59.67%59.67%59.67%59.67%59.67%59.67%59.67%
FIIs 0.32%0.38%0.68%0.82%1.08%1.33%1.31%1.14%1.12%1.10%1.10%1.06%
DIIs 0.14%0.14%0.14%0.14%0.14%0.14%0.02%0.02%0.07%0.03%0.03%0.03%
Public 39.87%39.81%39.51%39.37%39.11%38.85%39.00%39.16%39.14%39.19%39.20%39.23%
No. of Shareholders 23,26523,35926,51423,79422,80224,87341,75648,45952,23551,43151,74651,122

Shareholding Pattern Chart

No. of Shareholders

Balmer Lawrie Investment Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 1.0010.0010.0010.0010.00
Basic EPS (Rs.) 7.7375.6849.9839.8835.92
Diluted EPS (Rs.) 7.7375.6849.9839.8835.92
Cash EPS (Rs.) 11.82119.3175.8666.8864.41
Book Value[Excl.RevalReserv]/Share (Rs.) 61.98549.97500.91788.73777.64
Book Value[Incl.RevalReserv]/Share (Rs.) 61.98549.97500.91788.73777.64
Revenue From Operations / Share (Rs.) 113.811057.871048.95928.38692.07
PBDIT / Share (Rs.) 16.78164.10110.6194.8688.56
PBIT / Share (Rs.) 14.06137.4485.0269.7363.78
PBT / Share (Rs.) 12.87127.5176.9463.6058.41
Net Profit / Share (Rs.) 9.1092.6550.2841.7439.62
NP After MI And SOA / Share (Rs.) 7.7375.6849.9839.8835.92
PBDIT Margin (%) 14.7415.5110.5410.2112.79
PBIT Margin (%) 12.3512.998.107.519.21
PBT Margin (%) 11.3012.057.336.858.43
Net Profit Margin (%) 7.998.754.794.495.72
NP After MI And SOA Margin (%) 6.797.154.764.295.18
Return on Networth / Equity (%) 12.4713.769.977.927.26
Return on Capital Employeed (%) 12.4713.218.767.567.09
Return On Assets (%) 5.365.553.963.433.15
Long Term Debt / Equity (X) 0.050.050.070.070.08
Total Debt / Equity (X) 0.050.060.080.080.08
Asset Turnover Ratio (%) 0.810.800.860.050.06
Current Ratio (X) 2.492.292.292.542.51
Quick Ratio (X) 2.222.021.982.162.20
Inventory Turnover Ratio (X) 13.0911.797.880.000.00
Dividend Payout Ratio (NP) (%) 49.1443.6060.0295.29104.40
Dividend Payout Ratio (CP) (%) 36.3732.2439.7058.4561.77
Earning Retention Ratio (%) 50.8656.4039.984.71-4.40
Cash Earning Retention Ratio (%) 63.6367.7660.3041.5538.23
Interest Coverage Ratio (X) 14.0416.5213.6915.4916.50
Interest Coverage Ratio (Post Tax) (X) 8.6210.337.227.828.38
Enterprise Value (Cr.) 1724.291534.201027.011008.401085.04
EV / Net Operating Revenue (X) 0.680.650.440.480.70
EV / EBITDA (X) 4.634.214.184.795.52
MarketCap / Net Operating Revenue (X) 0.590.570.330.390.67
Retention Ratios (%) 50.8556.3939.974.70-4.40
Price / BV (X) 1.091.110.700.730.94
Price / Net Operating Revenue (X) 0.590.570.330.390.67
EarningsYield 0.110.120.140.100.07

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Balmer Lawrie Investments Ltd. is a Public Limited Listed company incorporated on 20/09/2001 and has its registered office in the State of West Bengal, India. Company's Corporate Identification Number(CIN) is L65999WB2001GOI093759 and registration number is 093759. Currently company belongs to the Industry of Non-Banking Financial Company (NBFC). Company's Total Operating Revenue is Rs. 101.11 Cr. and Equity Capital is Rs. 22.20 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)21, Netaji Subhas Road, Kolkata West Bengal 700001Contact not found
Management
NamePosition Held
Mr. Saurav DuttaNon Executive Chairman
Mr. Arvind Nath JhaGovernment Nominee Director
Mr. Samir Kumar MohantyGovernment Nominee Director

FAQ

What is the intrinsic value of Balmer Lawrie Investment Ltd and is it undervalued?

As of 05 April 2026, Balmer Lawrie Investment Ltd's intrinsic value is ₹94.52, which is 39.41% higher than the current market price of ₹67.80, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (13.2 %), book value (₹61.2), dividend yield (6.34 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Balmer Lawrie Investment Ltd?

Balmer Lawrie Investment Ltd is trading at ₹67.80 as of 05 April 2026, with a FY2026-2027 high of ₹95.8 and low of ₹62.3. The stock is currently near its 52-week low. Market cap stands at ₹1,505 Cr..

How does Balmer Lawrie Investment Ltd's P/E ratio compare to its industry?

Balmer Lawrie Investment Ltd has a P/E ratio of 8.73, which is below the industry average of 101.56. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is Balmer Lawrie Investment Ltd financially healthy?

Key indicators for Balmer Lawrie Investment Ltd: ROCE of 17.2 % indicates efficient capital utilization. Dividend yield is 6.34 %.

Is Balmer Lawrie Investment Ltd profitable and how is the profit trend?

Balmer Lawrie Investment Ltd reported a net profit of ₹267 Cr in Mar 2025 on revenue of ₹2,545 Cr. Compared to ₹137 Cr in Mar 2022, the net profit shows an improving trend.

Does Balmer Lawrie Investment Ltd pay dividends?

Balmer Lawrie Investment Ltd has a dividend yield of 6.34 % at the current price of ₹67.80. This is a relatively attractive yield for income-seeking investors.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Balmer Lawrie Investment Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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