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Last Updated on: 04 April, 2025
Author: Getaka|Social: Getaka Financial Technology X (Earlier Twitter) Profile Getaka Financial Technology LinkedIn Logo
Stock Ticker - BSE: 533095 | NSE: BENGALASM

Bengal & Assam Company Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: April 4, 2025, 10:26 am

Market Cap 8,585 Cr.
Current Price 7,600
High / Low 11,499/6,220
Stock P/E10.6
Book Value 8,330
Dividend Yield0.52 %
ROCE14.1 %
ROE22.3 %
Face Value 10.0
PEG Ratio0.85

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

View Share Price Target for Bengal & Assam Company Ltd

Competitors of Bengal & Assam Company Ltd

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Minolta Finance Ltd 16.0 Cr. 1.60 1.91/0.65178 1.080.00 %0.59 %0.47 % 1.00
Money Masters Leasing & Finance Ltd 19.7 Cr. 1.96 19.5/1.7825.2 1.560.00 %2.57 %4.07 % 1.00
Moneyboxx Finance Ltd 780 Cr. 239 373/15873.3 81.00.00 %11.4 %7.45 % 10.0
Moongipa Capital Finance Ltd 18.7 Cr. 20.4 41.0/17.79.63 8.690.00 %34.9 %31.6 % 10.0
Morarka Finance Ltd 45.9 Cr. 102 191/95.016.4 3875.88 %4.04 %3.58 % 10.0
Industry Average24,811.25 Cr522.8840.32534.290.27%19.43%10.58%8.49

All Competitor Stocks of Bengal & Assam Company Ltd

Quarterly Result

MetricDec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
Sales 3,4733,7024,1674,2283,9934,1034,2414,3773,777523528590490
Expenses 3,1653,4453,8143,8473,6193,6223,7103,6973,224413445432421
Operating Profit 3072573533813744815316805531108315770
OPM % 9%7%8%9%9%12%13%16%15%21%16%27%14%
Other Income 1181911499919120118143,09828172438
Interest 10810910711712913512911910610101011
Depreciation 10610811211011412012012211417171717
Profit before tax 2122322832523224272994523,4311117315480
Tax % 19%8%14%17%16%19%33%32%11%25%28%20%29%
Net Profit 1702142442102723453784373,062317256128140
EPS in Rs 128.55172.26195.57168.24212.38253.91263.66283.682,622.08275.57219.90113.29117.57

Last Updated: February 28, 2025, 1:02 pm

Below is a detailed analysis of the quarterly data for Bengal & Assam Company Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

  • For Sales, as of Dec 2024, the value is ₹490.00 Cr.. The value appears to be declining and may need further review. It has decreased from 590.00 Cr. (Sep 2024) to ₹490.00 Cr., marking a decrease of 100.00 Cr..
  • For Expenses, as of Dec 2024, the value is ₹421.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 432.00 Cr. (Sep 2024) to ₹421.00 Cr., marking a decrease of 11.00 Cr..
  • For Operating Profit, as of Dec 2024, the value is ₹70.00 Cr.. The value appears to be declining and may need further review. It has decreased from 157.00 Cr. (Sep 2024) to ₹70.00 Cr., marking a decrease of 87.00 Cr..
  • For OPM %, as of Dec 2024, the value is 14.00%. The value appears to be declining and may need further review. It has decreased from 27.00% (Sep 2024) to 14.00%, marking a decrease of 13.00%.
  • For Other Income, as of Dec 2024, the value is ₹38.00 Cr.. The value appears strong and on an upward trend. It has increased from 24.00 Cr. (Sep 2024) to ₹38.00 Cr., marking an increase of 14.00 Cr..
  • For Interest, as of Dec 2024, the value is ₹11.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 10.00 Cr. (Sep 2024) to ₹11.00 Cr., marking an increase of 1.00 Cr..
  • For Depreciation, as of Dec 2024, the value is ₹17.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 17.00 Cr..
  • For Profit before tax, as of Dec 2024, the value is ₹80.00 Cr.. The value appears to be declining and may need further review. It has decreased from 154.00 Cr. (Sep 2024) to ₹80.00 Cr., marking a decrease of 74.00 Cr..
  • For Tax %, as of Dec 2024, the value is 29.00%. The value appears to be increasing, which may not be favorable. It has increased from 20.00% (Sep 2024) to 29.00%, marking an increase of 9.00%.
  • For Net Profit, as of Dec 2024, the value is ₹140.00 Cr.. The value appears strong and on an upward trend. It has increased from 128.00 Cr. (Sep 2024) to ₹140.00 Cr., marking an increase of 12.00 Cr..
  • For EPS in Rs, as of Dec 2024, the value is 117.57. The value appears strong and on an upward trend. It has increased from 113.29 (Sep 2024) to 117.57, marking an increase of 4.28.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 6, 2025, 1:49 pm

MetricMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024TTM
Sales 1,1441,2511,3711,4381,5601,53112,53410,12210,43913,60916,52112,9622,132
Expenses 1,0001,1331,2051,2431,2831,24711,1518,8588,93712,27814,90311,0441,711
Operating Profit 1441181661952772841,3831,2631,5021,3301,6181,918421
OPM % 13%9%12%14%18%19%11%12%14%10%10%15%20%
Other Income 2910127262829-33-765226-72,929107
Interest 918684949316457460850444948836441
Depreciation 32333437404236742042842845637368
Profit before tax 499974901711084091596224796674,109418
Tax % 22%22%19%24%24%29%34%-87%38%35%32%16%
Net Profit 38771782503452074575226787311,0714,194841
EPS in Rs 40.1983.65199.70279.03382.63231.31415.28402.92450.08555.74830.103,445.00726.33
Dividend Payout % 10%6%4%4%3%4%3%4%2%3%3%1%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2013-20142014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-2024
YoY Net Profit Growth (%)102.63%131.17%40.45%38.00%-40.00%120.77%14.22%29.89%7.82%46.51%291.60%
Change in YoY Net Profit Growth (%)0.00%28.54%-90.72%-2.45%-78.00%160.77%-106.55%15.66%-22.07%38.69%245.09%

Bengal & Assam Company Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:26%
5 Years:1%
3 Years:7%
TTM:-87%
Compounded Profit Growth
10 Years:56%
5 Years:34%
3 Years:49%
TTM:-40%
Stock Price CAGR
10 Years:31%
5 Years:47%
3 Years:48%
1 Year:-15%
Return on Equity
10 Years:17%
5 Years:18%
3 Years:19%
Last Year:22%

Last Updated: Unknown

Balance Sheet

Last Updated: November 14, 2024, 5:43 pm

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Sep 2024
Equity Capital 99999911111111111111
Reserves 4555221,2741,5141,8132,0052,9913,3633,9044,5335,5029,0449,398
Borrowings 4833714104444223486,4746,0935,1105,5275,185422460
Other Liabilities 2943033143283474164,7344,8335,4186,1556,527960993
Total Liabilities 1,2411,2052,0062,2942,5912,77714,21114,30014,44316,22617,22610,43710,863
Fixed Assets 3953763553773663916,7016,8106,6476,8416,931461461
CWIP 44932011287295328136232228
Investments 5785641,2891,5081,7031,9841,8192,0852,4232,7493,6029,0909,468
Other Assets 2642613534065023915,4045,1105,0456,5006,460864926
Total Assets 1,2411,2052,0062,2942,5912,77714,21114,30014,44316,22617,22610,43710,863

Below is a detailed analysis of the balance sheet data for Bengal & Assam Company Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

  • For Equity Capital, as of Sep 2024, the value is ₹11.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 11.00 Cr..
  • For Reserves, as of Sep 2024, the value is ₹9,398.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,044.00 Cr. (Mar 2024) to ₹9,398.00 Cr., marking an increase of 354.00 Cr..
  • For Borrowings, as of Sep 2024, the value is ₹460.00 Cr.. The value appears to be increasing, which may not be favorable. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has increased from 422.00 Cr. (Mar 2024) to ₹460.00 Cr., marking an increase of 38.00 Cr..
  • For Other Liabilities, as of Sep 2024, the value is ₹993.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 960.00 Cr. (Mar 2024) to ₹993.00 Cr., marking an increase of 33.00 Cr..
  • For Total Liabilities, as of Sep 2024, the value is ₹10,863.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 10,437.00 Cr. (Mar 2024) to ₹10,863.00 Cr., marking an increase of 426.00 Cr..
  • For Fixed Assets, as of Sep 2024, the value is ₹461.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 461.00 Cr..
  • For CWIP, as of Sep 2024, the value is ₹8.00 Cr.. The value appears to be declining and may need further review. It has decreased from 22.00 Cr. (Mar 2024) to ₹8.00 Cr., marking a decrease of 14.00 Cr..
  • For Investments, as of Sep 2024, the value is ₹9,468.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,090.00 Cr. (Mar 2024) to ₹9,468.00 Cr., marking an increase of 378.00 Cr..
  • For Other Assets, as of Sep 2024, the value is ₹926.00 Cr.. The value appears strong and on an upward trend. It has increased from 864.00 Cr. (Mar 2024) to ₹926.00 Cr., marking an increase of 62.00 Cr..
  • For Total Assets, as of Sep 2024, the value is ₹10,863.00 Cr.. The value appears strong and on an upward trend. It has increased from 10,437.00 Cr. (Mar 2024) to ₹10,863.00 Cr., marking an increase of 426.00 Cr..

Notably, the Reserves (9,398.00 Cr.) exceed the Borrowings (460.00 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.

Reserves and Borrowings Chart

Cash Flow

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Cash from Operating Activity +1281391091441131029931,4991,7803511,4371,817
Cash from Investing Activity +-6444-105-10254-163-368-348-177-188-647-1,392
Cash from Financing Activity +-77-183-3-37-17264-567-1,191-1,567-144-778-590
Net Cash Flow-14-014-5358-39371912-165

Free Cash Flow

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Free Cash Flow-339.00-253.00-244.00-249.00-145.00-64.00-5.00-5.00-4.00-4.00-4.00-421.00

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 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Debtor Days39343432293265736361579
Inventory Days242324252728891181201149120
Days Payable2228303232308111410196709
Cash Conversion Cycle412928262430737781797820
Working Capital Days20111316401661564051429
ROCE %14%12%12%10%12%11%15%8%10%8%10%14%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
Promoters72.66%72.66%72.66%72.66%72.66%72.66%72.66%73.02%73.02%73.02%73.02%73.02%
FIIs3.53%3.89%3.89%3.89%3.90%3.92%4.28%4.31%4.31%4.31%4.55%4.57%
DIIs0.50%0.50%0.37%0.07%0.06%0.01%0.01%0.01%0.01%0.01%0.01%0.01%
Public23.31%22.95%23.09%23.38%23.38%23.42%23.06%22.67%22.67%22.67%22.43%22.41%
No. of Shareholders22,98422,66522,34521,60221,43520,79220,62920,81921,01921,02121,11920,339

Shareholding Pattern Chart

No. of Shareholders

This stock is not held by any mutual fund

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 24Mar 23Mar 22Mar 21Mar 20
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 3444.99830.10555.74450.07402.92
Diluted EPS (Rs.) 3444.99830.10555.74450.07402.92
Cash EPS (Rs.) 3399.57804.25656.90719.49636.12
Book Value[Excl.RevalReserv]/Share (Rs.) 8180.766630.285429.774794.594147.06
Book Value[Incl.RevalReserv]/Share (Rs.) 8180.766630.285429.774794.594147.06
Revenue From Operations / Share (Rs.) 11435.0814599.1612017.819206.938951.93
PBDIT / Share (Rs.) 1726.191480.241197.451351.391142.33
PBIT / Share (Rs.) 1395.901076.82818.18972.92770.32
PBT / Share (Rs.) 3637.68590.50424.02556.81138.06
Net Profit / Share (Rs.) 3069.28400.84277.63341.02264.11
NP After MI And SOA / Share (Rs.) 3444.99830.11555.74450.07402.92
PBDIT Margin (%) 15.0910.139.9614.6712.76
PBIT Margin (%) 12.207.376.8010.568.60
PBT Margin (%) 31.814.043.526.041.54
Net Profit Margin (%) 26.842.742.313.702.95
NP After MI And SOA Margin (%) 30.125.684.624.884.50
Return on Networth / Equity (%) 42.9717.0013.8112.9813.48
Return on Capital Employeed (%) 16.1713.5912.5016.9015.64
Return On Assets (%) 37.165.403.843.503.16
Long Term Debt / Equity (X) 0.000.030.040.050.06
Total Debt / Equity (X) 0.040.941.221.301.81
Asset Turnover Ratio (%) 0.920.010.010.010.02
Current Ratio (X) 13.611.110.950.860.74
Quick Ratio (X) 13.090.790.630.600.52
Inventory Turnover Ratio (X) 4.680.000.000.000.00
Dividend Payout Ratio (NP) (%) 0.721.801.340.003.72
Dividend Payout Ratio (CP) (%) 0.661.210.800.001.93
Earning Retention Ratio (%) 99.2898.2098.660.0096.28
Cash Earning Retention Ratio (%) 99.3498.7999.200.0098.07
Interest Coverage Ratio (X) 5.353.433.013.032.12
Interest Coverage Ratio (Post Tax) (X) 2.562.051.691.711.66
Enterprise Value (Cr.) 10221.9510977.729439.467853.808527.27
EV / Net Operating Revenue (X) 0.790.660.690.750.84
EV / EBITDA (X) 5.246.576.985.146.61
MarketCap / Net Operating Revenue (X) 0.740.250.190.140.13
Retention Ratios (%) 99.2798.1998.650.0096.27
Price / BV (X) 1.070.740.580.390.40
Price / Net Operating Revenue (X) 0.740.250.190.140.13
EarningsYield 0.400.220.230.320.33

After reviewing the key financial ratios for Bengal & Assam Company Ltd, here is a detailed analysis based on the latest available data and recent trends:

  • For FaceValue, as of Mar 24, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 10.00.
  • For Basic EPS (Rs.), as of Mar 24, the value is 3,444.99. This value is within the healthy range. It has increased from 830.10 (Mar 23) to 3,444.99, marking an increase of 2,614.89.
  • For Diluted EPS (Rs.), as of Mar 24, the value is 3,444.99. This value is within the healthy range. It has increased from 830.10 (Mar 23) to 3,444.99, marking an increase of 2,614.89.
  • For Cash EPS (Rs.), as of Mar 24, the value is 3,399.57. This value is within the healthy range. It has increased from 804.25 (Mar 23) to 3,399.57, marking an increase of 2,595.32.
  • For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 8,180.76. It has increased from 6,630.28 (Mar 23) to 8,180.76, marking an increase of 1,550.48.
  • For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 8,180.76. It has increased from 6,630.28 (Mar 23) to 8,180.76, marking an increase of 1,550.48.
  • For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 11,435.08. It has decreased from 14,599.16 (Mar 23) to 11,435.08, marking a decrease of 3,164.08.
  • For PBDIT / Share (Rs.), as of Mar 24, the value is 1,726.19. This value is within the healthy range. It has increased from 1,480.24 (Mar 23) to 1,726.19, marking an increase of 245.95.
  • For PBIT / Share (Rs.), as of Mar 24, the value is 1,395.90. This value is within the healthy range. It has increased from 1,076.82 (Mar 23) to 1,395.90, marking an increase of 319.08.
  • For PBT / Share (Rs.), as of Mar 24, the value is 3,637.68. This value is within the healthy range. It has increased from 590.50 (Mar 23) to 3,637.68, marking an increase of 3,047.18.
  • For Net Profit / Share (Rs.), as of Mar 24, the value is 3,069.28. This value is within the healthy range. It has increased from 400.84 (Mar 23) to 3,069.28, marking an increase of 2,668.44.
  • For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 3,444.99. This value is within the healthy range. It has increased from 830.11 (Mar 23) to 3,444.99, marking an increase of 2,614.88.
  • For PBDIT Margin (%), as of Mar 24, the value is 15.09. This value is within the healthy range. It has increased from 10.13 (Mar 23) to 15.09, marking an increase of 4.96.
  • For PBIT Margin (%), as of Mar 24, the value is 12.20. This value is within the healthy range. It has increased from 7.37 (Mar 23) to 12.20, marking an increase of 4.83.
  • For PBT Margin (%), as of Mar 24, the value is 31.81. This value is within the healthy range. It has increased from 4.04 (Mar 23) to 31.81, marking an increase of 27.77.
  • For Net Profit Margin (%), as of Mar 24, the value is 26.84. This value exceeds the healthy maximum of 10. It has increased from 2.74 (Mar 23) to 26.84, marking an increase of 24.10.
  • For NP After MI And SOA Margin (%), as of Mar 24, the value is 30.12. This value exceeds the healthy maximum of 20. It has increased from 5.68 (Mar 23) to 30.12, marking an increase of 24.44.
  • For Return on Networth / Equity (%), as of Mar 24, the value is 42.97. This value is within the healthy range. It has increased from 17.00 (Mar 23) to 42.97, marking an increase of 25.97.
  • For Return on Capital Employeed (%), as of Mar 24, the value is 16.17. This value is within the healthy range. It has increased from 13.59 (Mar 23) to 16.17, marking an increase of 2.58.
  • For Return On Assets (%), as of Mar 24, the value is 37.16. This value is within the healthy range. It has increased from 5.40 (Mar 23) to 37.16, marking an increase of 31.76.
  • For Long Term Debt / Equity (X), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 0.2. It has decreased from 0.03 (Mar 23) to 0.00, marking a decrease of 0.03.
  • For Total Debt / Equity (X), as of Mar 24, the value is 0.04. This value is within the healthy range. It has decreased from 0.94 (Mar 23) to 0.04, marking a decrease of 0.90.
  • For Asset Turnover Ratio (%), as of Mar 24, the value is 0.92. It has increased from 0.01 (Mar 23) to 0.92, marking an increase of 0.91.
  • For Current Ratio (X), as of Mar 24, the value is 13.61. This value exceeds the healthy maximum of 3. It has increased from 1.11 (Mar 23) to 13.61, marking an increase of 12.50.
  • For Quick Ratio (X), as of Mar 24, the value is 13.09. This value exceeds the healthy maximum of 2. It has increased from 0.79 (Mar 23) to 13.09, marking an increase of 12.30.
  • For Inventory Turnover Ratio (X), as of Mar 24, the value is 4.68. This value is within the healthy range. It has increased from 0.00 (Mar 23) to 4.68, marking an increase of 4.68.
  • For Dividend Payout Ratio (NP) (%), as of Mar 24, the value is 0.72. This value is below the healthy minimum of 20. It has decreased from 1.80 (Mar 23) to 0.72, marking a decrease of 1.08.
  • For Dividend Payout Ratio (CP) (%), as of Mar 24, the value is 0.66. This value is below the healthy minimum of 20. It has decreased from 1.21 (Mar 23) to 0.66, marking a decrease of 0.55.
  • For Earning Retention Ratio (%), as of Mar 24, the value is 99.28. This value exceeds the healthy maximum of 70. It has increased from 98.20 (Mar 23) to 99.28, marking an increase of 1.08.
  • For Cash Earning Retention Ratio (%), as of Mar 24, the value is 99.34. This value exceeds the healthy maximum of 70. It has increased from 98.79 (Mar 23) to 99.34, marking an increase of 0.55.
  • For Interest Coverage Ratio (X), as of Mar 24, the value is 5.35. This value is within the healthy range. It has increased from 3.43 (Mar 23) to 5.35, marking an increase of 1.92.
  • For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 2.56. This value is below the healthy minimum of 3. It has increased from 2.05 (Mar 23) to 2.56, marking an increase of 0.51.
  • For Enterprise Value (Cr.), as of Mar 24, the value is 10,221.95. It has decreased from 10,977.72 (Mar 23) to 10,221.95, marking a decrease of 755.77.
  • For EV / Net Operating Revenue (X), as of Mar 24, the value is 0.79. This value is below the healthy minimum of 1. It has increased from 0.66 (Mar 23) to 0.79, marking an increase of 0.13.
  • For EV / EBITDA (X), as of Mar 24, the value is 5.24. This value is within the healthy range. It has decreased from 6.57 (Mar 23) to 5.24, marking a decrease of 1.33.
  • For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 0.74. This value is below the healthy minimum of 1. It has increased from 0.25 (Mar 23) to 0.74, marking an increase of 0.49.
  • For Retention Ratios (%), as of Mar 24, the value is 99.27. This value exceeds the healthy maximum of 70. It has increased from 98.19 (Mar 23) to 99.27, marking an increase of 1.08.
  • For Price / BV (X), as of Mar 24, the value is 1.07. This value is within the healthy range. It has increased from 0.74 (Mar 23) to 1.07, marking an increase of 0.33.
  • For Price / Net Operating Revenue (X), as of Mar 24, the value is 0.74. This value is below the healthy minimum of 1. It has increased from 0.25 (Mar 23) to 0.74, marking an increase of 0.49.
  • For EarningsYield, as of Mar 24, the value is 0.40. This value is below the healthy minimum of 5. It has increased from 0.22 (Mar 23) to 0.40, marking an increase of 0.18.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Bengal & Assam Company Ltd as of April 4, 2025 is: 15,834.28

Calculation basis:

  • Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of April 4, 2025, Bengal & Assam Company Ltd is Undervalued by 108.35% compared to the current share price 7,600.00

Intrinsic Value of Bengal & Assam Company Ltd as of April 4, 2025 is: 17,814.82

Calculation basis:

  • Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
  • EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of April 4, 2025, Bengal & Assam Company Ltd is Undervalued by 134.41% compared to the current share price 7,600.00

Last 5 Year EPS CAGR: 12.51%

*Investments are subject to market risks

Strength and Weakness

StrengthWeakness
  1. The stock is trading at a low valuation with an average P/B ratio of 1,006.83 and average Dividend Yield of 9.11%.
  2. The company has higher reserves (3,562.92 cr) compared to borrowings (2,442.23 cr), indicating strong financial stability.
  3. The company has shown consistent growth in sales (6.23 cr) and profit (257.62 cr) over the years.
  1. The stock has a low average ROCE of 11.33%, which may not be favorable.
  2. The stock has a high average Working Capital Days of 31.25, which may not be favorable.
  3. The stock has a high average Cash Conversion Cycle of 48.83, which may not be favorable.

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 Bengal & Assam Company Ltd:
    1. Net Profit Margin: 26.84%
      • 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.
    2. ROCE: 16.17% (Industry Average ROCE: 19.43%)
      • 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.
    3. ROE%: 42.97% (Industry Average ROE: 10.37%)
      • ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
    4. Interest Coverage Ratio (Post Tax): 2.56
      • 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.
    5. Quick Ratio: 13.09
      • 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.
    6. Stock P/E: 10.6 (Industry average Stock P/E: 32.42)
      • 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.
    7. Total Debt / Equity: 0.04
      • 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.
    The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
    Stock Rating:

About the Company - Qualitative Analysis

Bengal & Assam Company Ltd. is a Public Limited Listed company incorporated on 30/01/1947 and has its registered office in the State of West Bengal, India. Company's Corporate Identification Number(CIN) is L67120WB1947PLC221402 and registration number is 116830. Currently Company is involved in the business activities of Activities of holding companies. Company's Total Operating Revenue is Rs. 152.75 Cr. and Equity Capital is Rs. 11.30 Cr. for the Year ended 31/03/2024.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)7, Council House Street, Kolkata West Bengal 700001dswain@jkmail.com
http://www.bengalassam.com
Management
NamePosition Held
Mr. Bharat Hari SinghaniaChairman
Mr. Sanjeev Kumar JhunjhunwalaDirector
Mr. Ashok Kumar KinraDirector
Mr. Bakul JainDirector
Dr. Raghupati SinghaniaDirector
Mr. Sanjay Kumar KhaitanDirector
Mr. Shailendra SwarupDirector
Ms. Vinita SinghaniaDirector
Ms. Deepa Gopalan WadhwaDirector

FAQ

What is the intrinsic value of Bengal & Assam Company Ltd?

Bengal & Assam Company Ltd's intrinsic value (as of 04 April 2025) is ₹15834.28 — 108.35% higher the current market price of ₹7,600.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 8,585 Cr. market cap, FY2025-2026 high/low of ₹11,499/6,220, reserves of 9,398 Cr, and liabilities of 10,863 Cr.

What is the Market Cap of Bengal & Assam Company Ltd?

The Market Cap of Bengal & Assam Company Ltd is 8,585 Cr..

What is the current Stock Price of Bengal & Assam Company Ltd as on 04 April 2025?

The current stock price of Bengal & Assam Company Ltd as on 04 April 2025 is 7,600.

What is the High / Low of Bengal & Assam Company Ltd stocks in FY 2025-2026?

In FY 2025-2026, the High / Low of Bengal & Assam Company Ltd stocks is ₹11,499/6,220.

What is the Stock P/E of Bengal & Assam Company Ltd?

The Stock P/E of Bengal & Assam Company Ltd is 10.6.

What is the Book Value of Bengal & Assam Company Ltd?

The Book Value of Bengal & Assam Company Ltd is 8,330.

What is the Dividend Yield of Bengal & Assam Company Ltd?

The Dividend Yield of Bengal & Assam Company Ltd is 0.52 %.

What is the ROCE of Bengal & Assam Company Ltd?

The ROCE of Bengal & Assam Company Ltd is 14.1 %.

What is the ROE of Bengal & Assam Company Ltd?

The ROE of Bengal & Assam Company Ltd is 22.3 %.

What is the Face Value of Bengal & Assam Company Ltd?

The Face Value of Bengal & Assam Company Ltd is 10.0.

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 Bengal & Assam Company 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