Share Price and Basic Stock Data
Last Updated: January 2, 2026, 12:58 pm
| PEG Ratio | -0.24 |
|---|
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 investment sector and has shown a volatile revenue trajectory over recent quarters. The company reported sales of ₹20 Cr for the fiscal year ending March 2023, a significant decline from ₹101 Cr in March 2022. As of the latest quarter ending September 2023, sales rose to ₹17.40 Cr, indicating a recovery trend. However, this is still below the historical peak, suggesting that while there is a resurgence, the company has yet to regain its prior growth levels. The quarterly data also reveals fluctuations, with a notable drop to ₹6.07 Cr in June 2024 and a subsequent recovery to ₹30.57 Cr in December 2024. This inconsistency raises concerns about revenue stability, which is crucial for investor confidence. Overall, Banas Finance Ltd’s revenue patterns reflect a company in transition, navigating challenges while attempting to stabilize and grow its operational income.
Profitability and Efficiency Metrics
The profitability metrics of Banas Finance Ltd exhibit considerable volatility, characterized by an operating profit margin (OPM) that fluctuated dramatically over the past year. The OPM stood at 48.18% in the most recent reporting period, despite earlier negative margins, such as -497% in March 2023. This recovery is commendable, yet the company reported a net profit of ₹11 Cr for the fiscal year ending March 2025, reflecting a significant decrease from ₹69 Cr in March 2022. The interest coverage ratio (ICR) is strikingly low at -961.49x, indicating that interest obligations far exceed operating profits, which poses a substantial risk to financial stability. Furthermore, the return on equity (ROE) is reported at 16.0%, which is relatively strong compared to the sector average, indicating effective utilization of equity capital. However, the high degree of volatility in profits and margins highlights ongoing challenges in managing costs and revenues.
Balance Sheet Strength and Financial Ratios
Banas Finance Ltd’s balance sheet reflects a conservative borrowing strategy, with total borrowings reported at just ₹1 Cr against reserves of ₹99 Cr. This low debt level positions the company favorably in terms of financial risk, particularly in a volatile market. The price-to-book value (P/BV) ratio is noted at 0.35x, suggesting that the stock is undervalued relative to its book value, which could attract value-oriented investors. However, the cash conversion cycle (CCC) stands at -0.00 days, indicating efficient management of working capital. The company’s current ratio is exceptionally high at 181.84, suggesting robust liquidity. Despite these strengths, the operating profit margin has fluctuated significantly, leading to a negative net profit margin of -60.28% as of the latest fiscal year, indicating that operational efficiency remains a pressing concern. Overall, while the company exhibits strong liquidity and low leverage, the profitability issues need to be addressed to enhance balance sheet health.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Banas Finance Ltd indicates a relatively concentrated ownership structure, with promoters holding 26.58% of the company as of March 2025. Public shareholders constitute 73.38%, while foreign institutional investors (FIIs) are absent and domestic institutional investors (DIIs) hold a mere 0.03%. The decrease in the number of shareholders from 51,878 in December 2022 to 37,898 in September 2025 could signal waning investor confidence, potentially influenced by the company’s recent financial performance and profitability challenges. The consistent promoter shareholding suggests a commitment to the company’s long-term strategy, yet the low institutional investment raises questions about broader market confidence in Banas Finance Ltd. This concentrated ownership may limit the stock’s liquidity and could impact its market valuation, especially in light of the company’s operational volatility.
Outlook, Risks, and Final Insight
Looking ahead, Banas Finance Ltd faces both opportunities and risks. The company’s ability to stabilize and grow its revenue is contingent upon effective cost management and operational efficiency, as indicated by its fluctuating profit margins. The low debt levels provide a buffer against financial distress, enabling potential investments in growth initiatives. However, the significant volatility in earnings and the negative interest coverage ratio present considerable risks. If the company can enhance its revenue consistency and profitability, it may attract more institutional investors, which could improve share liquidity and market perception. Conversely, continued operational challenges could lead to further declines in shareholder confidence. Ultimately, the company must navigate these internal and external challenges to foster a more stable and growth-oriented future.
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 | 12.0 Cr. | 40.8 | 65.6/36.4 | 47.9 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,492 Cr. | 314 | 484/280 | 16.0 | 111 | 0.32 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 30.2 Cr. | 0.43 | 1.74/0.38 | 4.19 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 5.04 Cr. | 10.2 | 11.6/8.25 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 21.7 Cr. | 42.3 | 69.9/38.6 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,307.37 Cr | 1,372.14 | 78.57 | 3,844.57 | 0.35% | 21.71% | 14.20% | 7.28 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | -19.84 | 2.42 | 7.24 | 11.02 | 17.40 | 11.58 | 32.56 | 6.07 | 8.20 | 30.57 | 3.99 | 19.49 | 18.99 |
| Expenses | 1.70 | 9.63 | 22.22 | 4.95 | 4.06 | 17.42 | 19.45 | 13.36 | 18.59 | 31.09 | 23.81 | 10.06 | 9.84 |
| Operating Profit | -21.54 | -7.21 | -14.98 | 6.07 | 13.34 | -5.84 | 13.11 | -7.29 | -10.39 | -0.52 | -19.82 | 9.43 | 9.15 |
| OPM % | -297.93% | -206.91% | 55.08% | 76.67% | -50.43% | 40.26% | -120.10% | -126.71% | -1.70% | -496.74% | 48.38% | 48.18% | |
| Other Income | 0.45 | 0.79 | 0.06 | 0.18 | 4.10 | 0.06 | 2.70 | 0.05 | 0.24 | 0.07 | 0.25 | 0.14 | 0.29 |
| Interest | 0.04 | 0.00 | 0.02 | 0.02 | 0.02 | 0.00 | 0.03 | 0.01 | 0.00 | 0.00 | 0.02 | 0.01 | 0.00 |
| 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 | -21.13 | -6.42 | -14.94 | 6.23 | 17.42 | -5.78 | 15.78 | -7.25 | -10.15 | -0.45 | -19.59 | 9.56 | 9.44 |
| Tax % | 0.00% | 0.00% | -301.07% | 4.49% | 0.00% | 0.00% | 197.15% | 0.00% | 1.97% | -44.44% | -59.21% | 0.00% | 1.06% |
| Net Profit | -21.13 | -6.42 | 30.04 | 5.95 | 17.42 | -5.78 | -15.32 | -7.25 | -10.35 | -0.26 | -7.99 | 9.55 | 9.33 |
| EPS in Rs | -2.20 | -0.67 | 3.13 | 0.62 | 1.81 | -0.60 | -1.59 | -0.81 | -1.16 | -0.03 | -0.89 | 1.07 | 1.04 |
Last Updated: December 27, 2025, 10:05 pm
Below is a detailed analysis of the quarterly data for Banas Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Sales, as of Sep 2025, the value is 18.99 Cr.. The value appears to be declining and may need further review. It has decreased from 19.49 Cr. (Jun 2025) to 18.99 Cr., marking a decrease of 0.50 Cr..
- For Expenses, as of Sep 2025, the value is 9.84 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 10.06 Cr. (Jun 2025) to 9.84 Cr., marking a decrease of 0.22 Cr..
- For Operating Profit, as of Sep 2025, the value is 9.15 Cr.. The value appears to be declining and may need further review. It has decreased from 9.43 Cr. (Jun 2025) to 9.15 Cr., marking a decrease of 0.28 Cr..
- For OPM %, as of Sep 2025, the value is 48.18%. The value appears to be declining and may need further review. It has decreased from 48.38% (Jun 2025) to 48.18%, marking a decrease of 0.20%.
- For Other Income, as of Sep 2025, the value is 0.29 Cr.. The value appears strong and on an upward trend. It has increased from 0.14 Cr. (Jun 2025) to 0.29 Cr., marking an increase of 0.15 Cr..
- For Interest, as of Sep 2025, the value is 0.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.01 Cr. (Jun 2025) to 0.00 Cr., marking a decrease of 0.01 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 9.44 Cr.. The value appears to be declining and may need further review. It has decreased from 9.56 Cr. (Jun 2025) to 9.44 Cr., marking a decrease of 0.12 Cr..
- For Tax %, as of Sep 2025, the value is 1.06%. The value appears to be increasing, which may not be favorable. It has increased from 0.00% (Jun 2025) to 1.06%, marking an increase of 1.06%.
- For Net Profit, as of Sep 2025, the value is 9.33 Cr.. The value appears to be declining and may need further review. It has decreased from 9.55 Cr. (Jun 2025) to 9.33 Cr., marking a decrease of 0.22 Cr..
- For EPS in Rs, as of Sep 2025, the value is 1.04. The value appears to be declining and may need further review. It has decreased from 1.07 (Jun 2025) to 1.04, marking a decrease of 0.03.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:07 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 | 6 | 7 | 8 | 10 | 4 | 14 | 9 | 14 | 101 | 20 | 73 | 43 | 73 |
| Expenses | 5 | 7 | 10 | 13 | 4 | 21 | 7 | 5 | 9 | 120 | 40 | 81 | 75 |
| Operating Profit | 0 | 0 | -2 | -3 | 0 | -7 | 2 | 10 | 91 | -100 | 33 | -37 | -2 |
| OPM % | 5% | 5% | -27% | -35% | 3% | -49% | 23% | 68% | 91% | -497% | 45% | -86% | -2% |
| Other Income | 0 | -0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 1 |
| Interest | 0 | 1 | 1 | 2 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 0 | -0 | -3 | -5 | 0 | -7 | 2 | 10 | 92 | -100 | 34 | -37 | -1 |
| Tax % | 33% | 366% | 4% | 0% | 14% | -24% | 24% | -17% | 24% | -45% | 93% | -31% | |
| Net Profit | 0 | -2 | -3 | -5 | 0 | -5 | 1 | 11 | 69 | -55 | 2 | -26 | 11 |
| 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 | 1.19 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
YoY Net Profit Growth
| Year | 2015-2016 | 2016-2017 | 2017-2018 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | -50.00% | -66.67% | 100.00% | 120.00% | 1000.00% | 527.27% | -179.71% | 103.64% | -1400.00% |
| Change in YoY Net Profit Growth (%) | 0.00% | -16.67% | 166.67% | 20.00% | 880.00% | -472.73% | -706.98% | 283.35% | -1503.64% |
Banas Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 9 years from 2015-2016 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
| 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
| 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 | -7.00 | -11.00 | -22.00 | -10.00 | -5.00 | -17.00 | -9.00 | -1.00 | 84.00 | -107.00 | 27.00 | -38.00 |
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.
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.) | -2.88 | 0.91 | -11.15 | 26.97 | 4.55 |
| Diluted EPS (Rs.) | -2.88 | 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) | 181.84 | 26.74 | 19.23 | 27.01 | 8.88 |
| Quick Ratio (X) | 181.84 | 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 -2.88. This value is below the healthy minimum of 5. It has decreased from 0.91 (Mar 24) to -2.88, marking a decrease of 3.79.
- For Diluted EPS (Rs.), as of Mar 25, the value is -2.88. This value is below the healthy minimum of 5. It has decreased from 0.91 (Mar 24) to -2.88, marking a decrease of 3.79.
- 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 181.84. This value exceeds the healthy maximum of 3. It has increased from 26.74 (Mar 24) to 181.84, marking an increase of 155.10.
- For Quick Ratio (X), as of Mar 25, the value is 181.84. This value exceeds the healthy maximum of 2. It has increased from 26.74 (Mar 24) to 181.84, marking an increase of 155.10.
- 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: 21.71%)
- 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: 181.84
- 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: 7.05 (Industry average Stock P/E: 78.57)
- 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 | Contact not found |
| 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 02 January 2026) is ₹19.42 which is 132.57% higher the current market price of ₹8.35, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹74.8 Cr. market cap, FY2025-2026 high/low of ₹10.8/6.40, 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 74.8 Cr..
What is the current Stock Price of Banas Finance Ltd as on 02 January 2026?
The current stock price of Banas Finance Ltd as on 02 January 2026 is ₹8.35.
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 ₹10.8/6.40.
What is the Stock P/E of Banas Finance Ltd?
The Stock P/E of Banas Finance Ltd is 7.05.
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.