Share Price and Basic Stock Data
Last Updated: December 12, 2025, 7:26 pm
| PEG Ratio | -0.19 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Banas Finance Ltd operates in the finance and investments sector, a space that has seen various challenges and opportunities in recent years. As of the latest financial reporting, the company’s stock price stood at ₹8.06 with a market capitalization of ₹72.2 Cr. However, the revenue trajectory has been volatile. Sales recorded a remarkable ₹100.59 Cr in FY 2022, but this figure sharply declined to ₹20.18 Cr in FY 2023. The company rebounded partially in FY 2024, reporting ₹73.04 Cr, but the TTM revenue is currently at ₹62.25 Cr. This erratic performance raises questions about operational stability and market positioning. Recent quarterly results indicate a gradual recovery, with revenues rising to ₹17.40 Cr by September 2023. Nonetheless, the significant fluctuations in revenue suggest that the company is still navigating through a challenging business environment.
Profitability and Efficiency Metrics
Profitability remains a critical concern for Banas Finance. The company reported a net loss of ₹9.05 Cr for the latest fiscal year, following a previous loss of ₹54.76 Cr in FY 2023. Operating margins have experienced considerable volatility, with an operating profit margin of 48.38% in recent quarters, contrasting sharply with negative margins in prior periods. This inconsistency suggests that while operational efficiency may have improved at times, the overall profitability remains under pressure. The interest coverage ratio, a staggering -961.49x, indicates that the company is not generating enough earnings to cover its interest obligations, which is alarming. Investors may find it challenging to interpret these figures positively, given the persistent losses and the potential implications for future funding and growth opportunities.
Balance Sheet Strength and Financial Ratios
From a balance sheet perspective, Banas Finance appears reasonably solid, with total borrowings reported at just ₹1 Cr against reserves of ₹99 Cr. This low debt level relative to reserves suggests a conservative approach towards leverage, which could be a strength in uncertain economic conditions. However, the price-to-book value ratio of 0.35x indicates the market may undervalue the company’s assets, possibly due to its inconsistent earnings track record. The company’s current ratio is extraordinarily high at 181.80, indicating that it possesses ample liquidity to meet short-term obligations. This could be seen as a positive sign for investors looking for stability, but it also raises questions about the company’s efficiency in deploying its resources effectively to generate returns.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Banas Finance reveals some intriguing dynamics. Promoters hold 26.58% of the company, while public shareholders constitute a significant 73.38%. This relatively high public float could suggest a broad base of retail investor confidence, but the low institutional participation—only 0.03% from DIIs—may raise concerns about the stock’s appeal to larger, more risk-averse investors. The decline in the number of shareholders from 51,878 in December 2022 to 37,898 by September 2025 might indicate waning interest or confidence in the stock, which is compounded by its recent financial performance. This could discourage potential investors looking for stability and growth, as a shrinking shareholder base often signals a lack of confidence in management and future prospects.
Outlook, Risks, and Final Insight
Looking ahead, Banas Finance faces several risks that could impact its recovery trajectory. The volatility in revenue and profitability raises concerns about operational sustainability and market competitiveness. Furthermore, the negative interest coverage ratio suggests that the company may struggle to service its debts if losses continue. While the low debt levels present a cushion, the question remains whether management can effectively leverage this to drive future growth. Investors should keep an eye on the company’s ability to stabilize its revenue stream and improve profitability, particularly in a fluctuating market. A continued focus on operational efficiency and strategic growth initiatives will be essential. Ultimately, while there could be potential in Banas Finance, the current financial indicators suggest a cautious approach might be prudent for investors considering this stock.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Modern Shares & Stockbrokers Ltd | 12.5 Cr. | 42.8 | 67.7/36.4 | 50.2 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,410 Cr. | 304 | 484/280 | 15.5 | 111 | 0.33 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 34.4 Cr. | 0.49 | 2.18/0.46 | 4.77 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 4.94 Cr. | 9.98 | 12.6/8.25 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 21.9 Cr. | 42.6 | 72.0/42.6 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,316.06 Cr | 1,400.43 | 82.26 | 3,844.37 | 0.36% | 21.70% | 14.20% | 7.22 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | -50.47 | -19.84 | 2.42 | 7.24 | 11.02 | 17.40 | 11.58 | 32.56 | 6.07 | 8.20 | 30.57 | 3.99 | 19.49 |
| Expenses | 6.75 | 1.70 | 9.63 | 22.22 | 4.95 | 4.06 | 17.42 | 19.45 | 13.36 | 18.59 | 31.09 | 23.81 | 10.06 |
| Operating Profit | -57.22 | -21.54 | -7.21 | -14.98 | 6.07 | 13.34 | -5.84 | 13.11 | -7.29 | -10.39 | -0.52 | -19.82 | 9.43 |
| OPM % | -297.93% | -206.91% | 55.08% | 76.67% | -50.43% | 40.26% | -120.10% | -126.71% | -1.70% | -496.74% | 48.38% | ||
| Other Income | 0.00 | 0.45 | 0.79 | 0.06 | 0.18 | 4.10 | 0.06 | 2.70 | 0.05 | 0.24 | 0.07 | 0.25 | 0.14 |
| Interest | 0.03 | 0.04 | 0.00 | 0.02 | 0.02 | 0.02 | 0.00 | 0.03 | 0.01 | 0.00 | 0.00 | 0.02 | 0.01 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -57.25 | -21.13 | -6.42 | -14.94 | 6.23 | 17.42 | -5.78 | 15.78 | -7.25 | -10.15 | -0.45 | -19.59 | 9.56 |
| Tax % | 0.00% | 0.00% | 0.00% | -301.07% | 4.49% | 0.00% | 0.00% | 197.15% | 0.00% | 1.97% | -44.44% | -59.21% | 0.00% |
| Net Profit | -57.25 | -21.13 | -6.42 | 30.04 | 5.95 | 17.42 | -5.78 | -15.32 | -7.25 | -10.35 | -0.26 | -7.99 | 9.55 |
| EPS in Rs | -5.96 | -2.20 | -0.67 | 3.13 | 0.62 | 1.81 | -0.60 | -1.59 | -0.81 | -1.16 | -0.03 | -0.89 | 1.07 |
Last Updated: August 19, 2025, 10:40 pm
Below is a detailed analysis of the quarterly data for Banas Finance Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Sales, as of Jun 2025, the value is 19.49 Cr.. The value appears strong and on an upward trend. It has increased from 3.99 Cr. (Mar 2025) to 19.49 Cr., marking an increase of 15.50 Cr..
- For Expenses, as of Jun 2025, the value is 10.06 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 23.81 Cr. (Mar 2025) to 10.06 Cr., marking a decrease of 13.75 Cr..
- For Operating Profit, as of Jun 2025, the value is 9.43 Cr.. The value appears strong and on an upward trend. It has increased from -19.82 Cr. (Mar 2025) to 9.43 Cr., marking an increase of 29.25 Cr..
- For OPM %, as of Jun 2025, the value is 48.38%. The value appears strong and on an upward trend. It has increased from -496.74% (Mar 2025) to 48.38%, marking an increase of 545.12%.
- For Other Income, as of Jun 2025, the value is 0.14 Cr.. The value appears to be declining and may need further review. It has decreased from 0.25 Cr. (Mar 2025) to 0.14 Cr., marking a decrease of 0.11 Cr..
- For Interest, as of Jun 2025, the value is 0.01 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.02 Cr. (Mar 2025) to 0.01 Cr., marking a decrease of 0.01 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 9.56 Cr.. The value appears strong and on an upward trend. It has increased from -19.59 Cr. (Mar 2025) to 9.56 Cr., marking an increase of 29.15 Cr..
- For Tax %, as of Jun 2025, the value is 0.00%. The value appears to be increasing, which may not be favorable. It has increased from -59.21% (Mar 2025) to 0.00%, marking an increase of 59.21%.
- For Net Profit, as of Jun 2025, the value is 9.55 Cr.. The value appears strong and on an upward trend. It has increased from -7.99 Cr. (Mar 2025) to 9.55 Cr., marking an increase of 17.54 Cr..
- For EPS in Rs, as of Jun 2025, the value is 1.07. The value appears strong and on an upward trend. It has increased from -0.89 (Mar 2025) to 1.07, marking an increase of 1.96.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 3:49 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 5.62 | 7.46 | 8.09 | 9.54 | 4.27 | 13.86 | 8.89 | 14.45 | 100.59 | 20.18 | 73.04 | 43.48 | 62.25 |
| Expenses | 5.32 | 7.07 | 10.25 | 12.86 | 4.13 | 20.68 | 6.82 | 4.67 | 9.20 | 120.47 | 39.92 | 80.88 | 83.55 |
| Operating Profit | 0.30 | 0.39 | -2.16 | -3.32 | 0.14 | -6.82 | 2.07 | 9.78 | 91.39 | -100.29 | 33.12 | -37.40 | -21.30 |
| OPM % | 5.34% | 5.23% | -26.70% | -34.80% | 3.28% | -49.21% | 23.28% | 67.68% | 90.85% | -496.98% | 45.35% | -86.02% | -34.22% |
| Other Income | 0.01 | -0.01 | -0.00 | 0.02 | 0.01 | -0.00 | -0.00 | 0.02 | 0.36 | 0.70 | 0.60 | -0.00 | 0.70 |
| Interest | 0.22 | 0.77 | 1.01 | 1.84 | 0.01 | 0.42 | 0.51 | 0.25 | 0.11 | 0.10 | 0.09 | 0.04 | 0.03 |
| Depreciation | 0.03 | 0.02 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | 0.01 | 0.00 |
| Profit before tax | 0.06 | -0.41 | -3.17 | -5.14 | 0.14 | -7.24 | 1.56 | 9.55 | 91.64 | -99.69 | 33.63 | -37.45 | -20.63 |
| Tax % | 33.33% | 365.85% | 4.10% | -0.00% | 14.29% | -24.45% | 23.72% | -17.49% | 24.30% | -45.07% | 93.34% | -31.00% | |
| Net Profit | 0.03 | -1.91 | -3.30 | -5.14 | 0.12 | -5.47 | 1.20 | 11.22 | 69.37 | -54.76 | 2.25 | -25.84 | -9.05 |
| EPS in Rs | 0.01 | -0.43 | -0.74 | -1.15 | 0.03 | -1.22 | 0.27 | 1.12 | 6.90 | -5.70 | 0.23 | -2.88 | -1.01 |
| Dividend Payout % | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | -6466.67% | -72.77% | -55.76% | 102.33% | -4658.33% | 121.94% | 835.00% | 518.27% | -178.94% | 104.11% | -1248.44% |
| Change in YoY Net Profit Growth (%) | 0.00% | 6393.89% | 17.02% | 158.09% | -4760.67% | 4780.27% | 713.06% | -316.73% | -697.21% | 283.05% | -1352.55% |
Banas Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 19% |
| 5 Years: | 37% |
| 3 Years: | -25% |
| TTM: | -8% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | 17% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | -2% |
| 5 Years: | 39% |
| 3 Years: | -14% |
| 1 Year: | -7% |
| Return on Equity | |
|---|---|
| 10 Years: | -1% |
| 5 Years: | 0% |
| 3 Years: | -17% |
| Last Year: | -16% |
Last Updated: September 5, 2025, 2:36 pm
Balance Sheet
Last Updated: December 4, 2025, 2:29 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 11 | 11 | 11 | 11 | 11 | 11 | 11 | 26 | 26 | 48 | 48 | 90 | 90 |
| Reserves | 29 | 27 | 23 | 18 | 18 | 68 | 70 | 67 | 136 | 104 | 106 | 80 | 99 |
| Borrowings | 7 | 11 | 20 | 7 | 5 | 10 | 11 | 11 | 7 | 7 | 6 | 1 | 1 |
| Other Liabilities | 0 | 0 | 3 | 4 | 4 | 0 | 0 | 0 | 20 | 0 | 6 | 0 | 0 |
| Total Liabilities | 47 | 50 | 58 | 40 | 39 | 90 | 92 | 104 | 188 | 159 | 166 | 171 | 189 |
| Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 2 | 15 | 21 | 44 | 138 | 88 | 110 | 125 | 141 |
| Other Assets | 47 | 50 | 58 | 40 | 37 | 74 | 71 | 59 | 50 | 70 | 56 | 46 | 49 |
| Total Assets | 47 | 50 | 58 | 40 | 39 | 90 | 92 | 104 | 188 | 159 | 166 | 171 | 189 |
Below is a detailed analysis of the balance sheet data for Banas Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 90.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 90.00 Cr..
- For Reserves, as of Sep 2025, the value is 99.00 Cr.. The value appears strong and on an upward trend. It has increased from 80.00 Cr. (Mar 2025) to 99.00 Cr., marking an increase of 19.00 Cr..
- For Borrowings, as of Sep 2025, the value is 1.00 Cr.. The value remains steady. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. There is no change compared to the previous period (Mar 2025) which recorded 1.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 189.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 171.00 Cr. (Mar 2025) to 189.00 Cr., marking an increase of 18.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 141.00 Cr.. The value appears strong and on an upward trend. It has increased from 125.00 Cr. (Mar 2025) to 141.00 Cr., marking an increase of 16.00 Cr..
- For Other Assets, as of Sep 2025, the value is 49.00 Cr.. The value appears strong and on an upward trend. It has increased from 46.00 Cr. (Mar 2025) to 49.00 Cr., marking an increase of 3.00 Cr..
- For Total Assets, as of Sep 2025, the value is 189.00 Cr.. The value appears strong and on an upward trend. It has increased from 171.00 Cr. (Mar 2025) to 189.00 Cr., marking an increase of 18.00 Cr..
Notably, the Reserves (99.00 Cr.) exceed the Borrowings (1.00 Cr.), indicating a solid financial buffer.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow - No data available for this post.
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -6.70 | -10.61 | -22.16 | -10.32 | -4.86 | -16.82 | -8.93 | -1.22 | 84.39 | -107.29 | 27.12 | -38.40 |
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.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 |
| Inventory Days | 524.42 | 235.17 | 535.33 | 117.08 | -0.00 | 9.49 | 22.46 | -0.00 | -0.00 | -0.00 | -0.00 | |
| Days Payable | 4.33 | -0.00 | -0.00 | -0.00 | 18.97 | 19.65 | ||||||
| Cash Conversion Cycle | 520.09 | 235.17 | 535.33 | 117.08 | -0.00 | -9.49 | 2.81 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 |
| Working Capital Days | 2,562.79 | 1,745.25 | 1,529.48 | 1,099.21 | -446.21 | -117.72 | -206.11 | 144.74 | 38.25 | 309.11 | 85.50 | 204.91 |
| ROCE % | 0.64% | 0.77% | -4.13% | -7.20% | 0.42% | -11.01% | 2.29% | 10.03% | 67.39% | -60.91% | 21.18% | -22.62% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | -2.19 | 0.91 | -11.15 | 26.97 | 4.55 |
| Diluted EPS (Rs.) | -2.19 | 0.91 | -11.15 | 26.97 | 4.55 |
| Cash EPS (Rs.) | -2.88 | 0.46 | -11.40 | 27.05 | 4.37 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 20.28 | 32.44 | 31.74 | 63.18 | 36.25 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 20.28 | 32.44 | 31.74 | 63.18 | 36.25 |
| Revenue From Operations / Share (Rs.) | 4.79 | 8.56 | 3.69 | 4.65 | 2.08 |
| PBDIT / Share (Rs.) | -4.17 | 7.02 | -20.73 | 35.77 | 3.82 |
| PBIT / Share (Rs.) | -4.18 | 7.02 | -20.73 | 35.77 | 3.82 |
| PBT / Share (Rs.) | -4.18 | 7.00 | -20.75 | 35.73 | 3.72 |
| Net Profit / Share (Rs.) | -2.88 | 0.46 | -11.40 | 27.04 | 4.37 |
| NP After MI And SOA / Share (Rs.) | -2.18 | 0.91 | -11.31 | 26.93 | 4.54 |
| PBDIT Margin (%) | -87.25 | 81.95 | -561.89 | 769.86 | 183.96 |
| PBIT Margin (%) | -87.27 | 81.95 | -561.91 | 769.84 | 183.92 |
| PBT Margin (%) | -87.36 | 81.74 | -562.45 | 768.92 | 179.17 |
| Net Profit Margin (%) | -60.28 | 5.46 | -308.96 | 582.03 | 210.53 |
| NP After MI And SOA Margin (%) | -45.65 | 10.68 | -306.69 | 579.48 | 218.82 |
| Return on Networth / Equity (%) | -10.77 | 2.81 | -35.64 | 42.61 | 12.53 |
| Return on Capital Employeed (%) | -20.59 | 20.90 | -65.31 | 50.48 | 10.53 |
| Return On Assets (%) | -10.71 | 2.62 | -34.11 | 36.60 | 11.18 |
| Total Debt / Equity (X) | 0.00 | 0.03 | 0.04 | 0.04 | 0.12 |
| Asset Turnover Ratio (%) | 0.24 | 0.25 | 0.10 | 0.08 | 0.05 |
| Current Ratio (X) | 181.80 | 26.74 | 19.23 | 27.01 | 8.88 |
| Quick Ratio (X) | 181.80 | 26.74 | 19.23 | 27.01 | 8.88 |
| Interest Coverage Ratio (X) | -961.49 | 386.26 | -1033.10 | 839.44 | 38.73 |
| Interest Coverage Ratio (Post Tax) (X) | -663.29 | 26.76 | -567.06 | 635.64 | 45.32 |
| Enterprise Value (Cr.) | 57.12 | 65.09 | 49.68 | 127.17 | 25.52 |
| EV / Net Operating Revenue (X) | 1.33 | 1.58 | 2.80 | 10.67 | 4.79 |
| EV / EBITDA (X) | -1.53 | 1.93 | -0.49 | 1.39 | 2.60 |
| MarketCap / Net Operating Revenue (X) | 1.52 | 1.61 | 2.75 | 11.04 | 2.99 |
| Price / BV (X) | 0.35 | 0.42 | 0.31 | 0.81 | 0.17 |
| Price / Net Operating Revenue (X) | 1.52 | 1.61 | 2.75 | 11.04 | 2.99 |
| EarningsYield | -0.30 | 0.06 | -1.11 | 0.52 | 0.73 |
After reviewing the key financial ratios for Banas Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is -2.19. This value is below the healthy minimum of 5. It has decreased from 0.91 (Mar 24) to -2.19, marking a decrease of 3.10.
- For Diluted EPS (Rs.), as of Mar 25, the value is -2.19. This value is below the healthy minimum of 5. It has decreased from 0.91 (Mar 24) to -2.19, marking a decrease of 3.10.
- For Cash EPS (Rs.), as of Mar 25, the value is -2.88. This value is below the healthy minimum of 3. It has decreased from 0.46 (Mar 24) to -2.88, marking a decrease of 3.34.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 20.28. It has decreased from 32.44 (Mar 24) to 20.28, marking a decrease of 12.16.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 20.28. It has decreased from 32.44 (Mar 24) to 20.28, marking a decrease of 12.16.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 4.79. It has decreased from 8.56 (Mar 24) to 4.79, marking a decrease of 3.77.
- For PBDIT / Share (Rs.), as of Mar 25, the value is -4.17. This value is below the healthy minimum of 2. It has decreased from 7.02 (Mar 24) to -4.17, marking a decrease of 11.19.
- For PBIT / Share (Rs.), as of Mar 25, the value is -4.18. This value is below the healthy minimum of 0. It has decreased from 7.02 (Mar 24) to -4.18, marking a decrease of 11.20.
- For PBT / Share (Rs.), as of Mar 25, the value is -4.18. This value is below the healthy minimum of 0. It has decreased from 7.00 (Mar 24) to -4.18, marking a decrease of 11.18.
- For Net Profit / Share (Rs.), as of Mar 25, the value is -2.88. This value is below the healthy minimum of 2. It has decreased from 0.46 (Mar 24) to -2.88, marking a decrease of 3.34.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is -2.18. This value is below the healthy minimum of 2. It has decreased from 0.91 (Mar 24) to -2.18, marking a decrease of 3.09.
- For PBDIT Margin (%), as of Mar 25, the value is -87.25. This value is below the healthy minimum of 10. It has decreased from 81.95 (Mar 24) to -87.25, marking a decrease of 169.20.
- For PBIT Margin (%), as of Mar 25, the value is -87.27. This value is below the healthy minimum of 10. It has decreased from 81.95 (Mar 24) to -87.27, marking a decrease of 169.22.
- For PBT Margin (%), as of Mar 25, the value is -87.36. This value is below the healthy minimum of 10. It has decreased from 81.74 (Mar 24) to -87.36, marking a decrease of 169.10.
- For Net Profit Margin (%), as of Mar 25, the value is -60.28. This value is below the healthy minimum of 5. It has decreased from 5.46 (Mar 24) to -60.28, marking a decrease of 65.74.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is -45.65. This value is below the healthy minimum of 8. It has decreased from 10.68 (Mar 24) to -45.65, marking a decrease of 56.33.
- For Return on Networth / Equity (%), as of Mar 25, the value is -10.77. This value is below the healthy minimum of 15. It has decreased from 2.81 (Mar 24) to -10.77, marking a decrease of 13.58.
- For Return on Capital Employeed (%), as of Mar 25, the value is -20.59. This value is below the healthy minimum of 10. It has decreased from 20.90 (Mar 24) to -20.59, marking a decrease of 41.49.
- For Return On Assets (%), as of Mar 25, the value is -10.71. This value is below the healthy minimum of 5. It has decreased from 2.62 (Mar 24) to -10.71, marking a decrease of 13.33.
- For Total Debt / Equity (X), as of Mar 25, the value is 0.00. This value is within the healthy range. It has decreased from 0.03 (Mar 24) to 0.00, marking a decrease of 0.03.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.24. It has decreased from 0.25 (Mar 24) to 0.24, marking a decrease of 0.01.
- For Current Ratio (X), as of Mar 25, the value is 181.80. This value exceeds the healthy maximum of 3. It has increased from 26.74 (Mar 24) to 181.80, marking an increase of 155.06.
- For Quick Ratio (X), as of Mar 25, the value is 181.80. This value exceeds the healthy maximum of 2. It has increased from 26.74 (Mar 24) to 181.80, marking an increase of 155.06.
- For Interest Coverage Ratio (X), as of Mar 25, the value is -961.49. This value is below the healthy minimum of 3. It has decreased from 386.26 (Mar 24) to -961.49, marking a decrease of 1,347.75.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is -663.29. This value is below the healthy minimum of 3. It has decreased from 26.76 (Mar 24) to -663.29, marking a decrease of 690.05.
- For Enterprise Value (Cr.), as of Mar 25, the value is 57.12. It has decreased from 65.09 (Mar 24) to 57.12, marking a decrease of 7.97.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 1.33. This value is within the healthy range. It has decreased from 1.58 (Mar 24) to 1.33, marking a decrease of 0.25.
- For EV / EBITDA (X), as of Mar 25, the value is -1.53. This value is below the healthy minimum of 5. It has decreased from 1.93 (Mar 24) to -1.53, marking a decrease of 3.46.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 1.52. This value is within the healthy range. It has decreased from 1.61 (Mar 24) to 1.52, marking a decrease of 0.09.
- For Price / BV (X), as of Mar 25, the value is 0.35. This value is below the healthy minimum of 1. It has decreased from 0.42 (Mar 24) to 0.35, marking a decrease of 0.07.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 1.52. This value is within the healthy range. It has decreased from 1.61 (Mar 24) to 1.52, marking a decrease of 0.09.
- For EarningsYield, as of Mar 25, the value is -0.30. This value is below the healthy minimum of 5. It has decreased from 0.06 (Mar 24) to -0.30, marking a decrease of 0.36.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
|
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Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Banas Finance Ltd:
- Net Profit Margin: -60.28%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: -20.59% (Industry Average ROCE: 21.7%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: -10.77% (Industry Average ROE: 14.2%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): -663.29
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 181.8
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 6.81 (Industry average Stock P/E: 82.26)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: -60.28%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance & Investments | E-109, Crystal Plaza, Mumbai Maharashtra 400053 | banasfin@gmail.com https://banasfinance.wordpress.com |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Girraj Kishor Agrawal | Director |
| Mrs. Tanu Agarwal | Director & CEO |
| Mr. Vikash Kulhriya | Independent Director |
| Mr. Ashish Kachhara | Independent Director |
| Mr. Anant Chourasia | Independent Director |
FAQ
What is the intrinsic value of Banas Finance Ltd?
Banas Finance Ltd's intrinsic value (as of 12 December 2025) is 18.76 which is 132.18% higher the current market price of 8.08, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 72.4 Cr. market cap, FY2025-2026 high/low of 11.2/6.40, reserves of ₹99 Cr, and liabilities of 189 Cr.
What is the Market Cap of Banas Finance Ltd?
The Market Cap of Banas Finance Ltd is 72.4 Cr..
What is the current Stock Price of Banas Finance Ltd as on 12 December 2025?
The current stock price of Banas Finance Ltd as on 12 December 2025 is 8.08.
What is the High / Low of Banas Finance Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Banas Finance Ltd stocks is 11.2/6.40.
What is the Stock P/E of Banas Finance Ltd?
The Stock P/E of Banas Finance Ltd is 6.81.
What is the Book Value of Banas Finance Ltd?
The Book Value of Banas Finance Ltd is 21.1.
What is the Dividend Yield of Banas Finance Ltd?
The Dividend Yield of Banas Finance Ltd is 0.00 %.
What is the ROCE of Banas Finance Ltd?
The ROCE of Banas Finance Ltd is 22.6 %.
What is the ROE of Banas Finance Ltd?
The ROE of Banas Finance Ltd is 16.0 %.
What is the Face Value of Banas Finance Ltd?
The Face Value of Banas Finance Ltd is 10.0.