Share Price and Basic Stock Data
Last Updated: October 13, 2025, 11:26 pm
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Banas Finance Ltd operates in the finance and investments sector, with a current stock price of ₹8.38 and a market capitalization of ₹75.1 Cr. The company’s revenue has shown significant volatility, with sales reported at ₹20 Cr for FY 2023 and ₹73 Cr for FY 2024, indicating a recovery from previous lows. Quarterly sales data reflects this fluctuation, with the highest sales of ₹32.56 Cr recorded in March 2024, following a low of ₹2.42 Cr in December 2022. This upward trend continued into June 2024 with sales of ₹6.07 Cr and ₹8.20 Cr in September 2024. However, subsequent quarters show a decline, with December 2024 sales falling back to ₹30.57 Cr and March 2025 dropping to ₹3.99 Cr. The company’s operational performance is further complicated by high expenses, which peaked at ₹120 Cr in FY 2023, reflecting a need for improved cost management. Overall, while the revenue trajectory has shown some recovery, maintaining consistent performance remains a challenge.
Profitability and Efficiency Metrics
Profitability metrics for Banas Finance Ltd indicate a mixed performance. The company reported a negative net profit of ₹26 Cr in FY 2025, following a profit of ₹2 Cr in FY 2024. Operating profit margin (OPM) displayed considerable fluctuations, with a high of 55.08% in June 2023, but it dropped to -496.74% by March 2025. The interest coverage ratio, an essential measure of financial health, stood at an alarming -961.49x, indicating that the company is struggling to cover its interest obligations. The return on equity (ROE) is reported at 16%, while the return on capital employed (ROCE) stood at 22.6%, suggesting that while the company has the potential to generate returns on its equity and capital, current performance is hindered by ongoing losses. The cash conversion cycle remains remarkably low at 0.00 days, suggesting efficient cash management, but this efficiency has not translated into profitability, raising concerns about the sustainability of its business model.
Balance Sheet Strength and Financial Ratios
Banas Finance Ltd’s balance sheet reflects a cautious approach to leveraging, with total borrowings reported at just ₹0.86 Cr against reserves of ₹80.23 Cr, resulting in a debt-to-equity ratio of 0.00. This low leverage can be seen as a strength, providing stability in times of financial uncertainty. The company’s book value per share stands at ₹20.28, significantly lower than its market price of ₹8.38, indicating that the stock is undervalued relative to its book value. Financial ratios reveal a current ratio of 181.80 and a quick ratio of 181.80, suggesting robust liquidity and the ability to meet short-term obligations. However, the interest coverage ratio’s negative reading raises concerns about the company’s ability to service its debt, despite low borrowings. Overall, while the balance sheet shows strength in terms of low debt and high liquidity, profitability challenges and a negative interest coverage ratio present significant risks.
Shareholding Pattern and Investor Confidence
The shareholding structure of Banas Finance Ltd shows a predominance of public ownership at 73.39%, with promoters holding 26.58% and domestic institutional investors (DIIs) at 0.03%. The absence of foreign institutional investors (FIIs) could indicate low confidence from international investors. Over recent quarters, promoter shareholding has stabilized at 26.58%, suggesting a commitment to the company. The number of shareholders has declined from 54,996 in September 2022 to 38,653 by June 2025, reflecting potential investor disenchantment with the company’s performance. The low institutional interest raises concerns about the stock’s attractiveness to larger investors, which could hinder liquidity and price stability. The high public ownership may lead to volatility, particularly if retail investors react to market sentiment rather than fundamentals. Overall, while the promoter stake reflects confidence, the declining shareholder base and lack of institutional interest present challenges for sustaining investor confidence.
Outlook, Risks, and Final Insight
If margins sustain recovery and operational efficiencies improve, Banas Finance Ltd could position itself for growth in the financial services sector. However, the ongoing volatility in sales and profitability metrics poses significant risks. The company must address its high expense structure and negative interest coverage ratio to restore investor confidence and improve its financial health. Additionally, maintaining a low debt profile is beneficial, but it must balance this with the need for investment to drive growth. The absence of institutional support and the declining number of shareholders could hinder the company’s stock performance. If Banas Finance can leverage its strong liquidity and achieve consistent revenue growth, it may attract more institutional interest and stabilize its share price. However, failure to address these challenges could lead to further declines in profitability and investor confidence, making it essential for the management to implement strategic measures for recovery.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Banas Finance Ltd
| 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. | 41.0 | 67.7/36.4 | 42.9 | 43.5 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,478 Cr. | 313 | 495/280 | 16.0 | 102 | 0.32 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 38.7 Cr. | 0.55 | 2.42/0.46 | 3.76 | 0.02 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 4.68 Cr. | 9.45 | 13.3/8.25 | 10.3 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 28.2 Cr. | 55.0 | 72.0/48.0 | 20.6 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 6,904.24 Cr | 1,450.42 | 132.82 | 3,807.92 | 0.31% | 21.70% | 14.20% | 7.34 |
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: June 16, 2025, 2:40 pm
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 6 | 7 | 8 | 10 | 4 | 14 | 9 | 14 | 101 | 20 | 73 | 43 |
| Expenses | 5 | 7 | 10 | 13 | 4 | 21 | 7 | 5 | 9 | 120 | 40 | 81 |
| Operating Profit | 0 | 0 | -2 | -3 | 0 | -7 | 2 | 10 | 91 | -100 | 33 | -38 |
| OPM % | 5% | 5% | -27% | -35% | 3% | -49% | 23% | 68% | 91% | -497% | 45% | -89% |
| Other Income | 0 | -0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 |
| Interest | 0 | 1 | 1 | 2 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 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 |
| 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 |
| 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 |
| 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: August 11, 2025, 3:26 pm
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 11.38 | 11.38 | 11.38 | 11.38 | 11.38 | 11.38 | 11.38 | 25.65 | 25.65 | 48.05 | 48.05 | 89.58 |
| Reserves | 28.69 | 26.77 | 23.48 | 18.34 | 18.46 | 68.11 | 69.83 | 66.77 | 136.14 | 103.77 | 106.02 | 80.23 |
| Borrowings | 6.78 | 11.46 | 20.19 | 6.89 | 4.85 | 9.66 | 10.61 | 11.20 | 6.90 | 6.51 | 6.05 | 0.86 |
| Other Liabilities | 0.09 | 0.08 | 2.92 | 3.86 | 3.94 | 0.45 | 0.15 | 0.08 | 19.69 | 0.34 | 5.58 | 0.09 |
| Total Liabilities | 46.94 | 49.69 | 57.97 | 40.47 | 38.63 | 89.60 | 91.97 | 103.70 | 188.38 | 158.67 | 165.70 | 170.76 |
| Fixed Assets | 0.06 | 0.02 | 0.02 | 0.02 | 0.02 | 0.03 | 0.03 | 0.03 | 0.03 | 0.02 | 0.02 | 0.05 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 0.00 | 0.00 | 0.00 | 0.00 | 1.55 | 15.28 | 20.64 | 44.44 | 138.43 | 88.45 | 110.12 | 124.98 |
| Other Assets | 46.88 | 49.67 | 57.95 | 40.45 | 37.06 | 74.29 | 71.30 | 59.23 | 49.92 | 70.20 | 55.56 | 45.73 |
| Total Assets | 46.94 | 49.69 | 57.97 | 40.47 | 38.63 | 89.60 | 91.97 | 103.70 | 188.38 | 158.67 | 165.70 | 170.76 |
Below is a detailed analysis of the balance sheet data for Banas Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 89.58 Cr.. The value appears strong and on an upward trend. It has increased from 48.05 Cr. (Mar 2024) to 89.58 Cr., marking an increase of 41.53 Cr..
- For Reserves, as of Mar 2025, the value is 80.23 Cr.. The value appears to be declining and may need further review. It has decreased from 106.02 Cr. (Mar 2024) to 80.23 Cr., marking a decrease of 25.79 Cr..
- For Borrowings, as of Mar 2025, the value is 0.86 Cr.. The value appears to be improving (decreasing). Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has decreased from 6.05 Cr. (Mar 2024) to 0.86 Cr., marking a decrease of 5.19 Cr..
- For Other Liabilities, as of Mar 2025, the value is 0.09 Cr.. The value appears to be improving (decreasing). It has decreased from 5.58 Cr. (Mar 2024) to 0.09 Cr., marking a decrease of 5.49 Cr..
- For Total Liabilities, as of Mar 2025, the value is 170.76 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 165.70 Cr. (Mar 2024) to 170.76 Cr., marking an increase of 5.06 Cr..
- For Fixed Assets, as of Mar 2025, the value is 0.05 Cr.. The value appears strong and on an upward trend. It has increased from 0.02 Cr. (Mar 2024) to 0.05 Cr., marking an increase of 0.03 Cr..
- For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Investments, as of Mar 2025, the value is 124.98 Cr.. The value appears strong and on an upward trend. It has increased from 110.12 Cr. (Mar 2024) to 124.98 Cr., marking an increase of 14.86 Cr..
- For Other Assets, as of Mar 2025, the value is 45.73 Cr.. The value appears to be declining and may need further review. It has decreased from 55.56 Cr. (Mar 2024) to 45.73 Cr., marking a decrease of 9.83 Cr..
- For Total Assets, as of Mar 2025, the value is 170.76 Cr.. The value appears strong and on an upward trend. It has increased from 165.70 Cr. (Mar 2024) to 170.76 Cr., marking an increase of 5.06 Cr..
Notably, the Reserves (80.23 Cr.) exceed the Borrowings (0.86 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 | -6.78 | -11.46 | -22.19 | -9.89 | -4.85 | -16.66 | -8.61 | -1.20 | 84.10 | -106.51 | 26.95 | -38.86 |
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: 0 (Industry average Stock P/E: 132.82)
- 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. Chirag Goyal | Independent Director |
| Mr. Ashish Kachhara | Independent Director |
| Mr. Anant Chourasia | Non Independent Director |
FAQ
What is the intrinsic value of Banas Finance Ltd?
Banas Finance Ltd's intrinsic value (as of 13 October 2025) is 37.21 which is 353.78% higher the current market price of 8.20, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹73.4 Cr. market cap, FY2025-2026 high/low of 12.0/6.40, reserves of ₹80.23 Cr, and liabilities of 170.76 Cr.
What is the Market Cap of Banas Finance Ltd?
The Market Cap of Banas Finance Ltd is 73.4 Cr..
What is the current Stock Price of Banas Finance Ltd as on 13 October 2025?
The current stock price of Banas Finance Ltd as on 13 October 2025 is 8.20.
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 12.0/6.40.
What is the Stock P/E of Banas Finance Ltd?
The Stock P/E of Banas Finance Ltd is .
What is the Book Value of Banas Finance Ltd?
The Book Value of Banas Finance Ltd is 19.0.
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.