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Last Updated on: 23 February, 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: Share Price Analysis, Intrinsic Value & Fundamentals (2025)

Share Price and Basic Stock Data

Last Updated: February 21, 2025, 8:38 pm

Market Cap 8,531 Cr.
Current Price 7,552
High / Low 11,499/7,520
Stock P/E10.5
Book Value 8,330
Dividend Yield0.53 %
ROCE14.1 %
ROE22.3 %
Face Value 10.0
PEG Ratio0.71

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 ⇩
Money Masters Leasing & Finance Ltd 30.7 Cr. 3.06 19.5/2.8339.4 1.560.00 %2.57 %4.07 % 1.00
Moneyboxx Finance Ltd 565 Cr. 173 373/16553.0 81.00.00 %11.4 %7.45 % 10.0
Moongipa Capital Finance Ltd 18.1 Cr. 19.8 41.0/17.79.33 8.690.00 %34.9 %31.6 % 10.0
Morarka Finance Ltd 45.9 Cr. 102 191/10016.4 3875.88 %4.04 %3.58 % 10.0
Morgan Ventures Ltd 91.6 Cr. 92.6 154/34.83.72 75.00.00 %10.5 %16.9 % 10.0
Industry Average24,672.32 Cr536.2437.39539.620.27%19.61%10.68%8.56

All Competitor Stocks of Bengal & Assam Company Ltd

Quarterly Result

MetricSep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
Sales 3,3803,4733,7024,1674,2283,9934,1034,2414,3773,777523528590
Expenses 3,0023,1653,4453,8143,8473,6193,6223,7103,6973,224413445432
Operating Profit 37730725735338137448153168055311083157
OPM % 11%9%7%8%9%9%12%13%16%15%21%16%27%
Other Income 581181911499919120118143,098281724
Interest 115108109107117129135129119106101010
Depreciation 107106108112110114120120122114171717
Profit before tax 2122122322832523224272994523,43111173154
Tax % 28%19%8%14%17%16%19%33%32%11%25%28%20%
Net Profit 1531702142442102723453784373,062317256128
EPS in Rs 111.33128.55172.26195.57168.24212.38253.91263.66283.682,622.08275.57219.90113.29

Last Updated: January 5, 2025, 8:34 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: Unknown

MetricMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024TTM
Sales 1,1441,2511,3711,4381,5601,53112,53410,12210,43913,60916,52112,9629,205
Expenses 1,0001,1331,2051,2431,2831,24711,1518,8588,93712,27814,90311,0447,779
Operating Profit 1441181661952772841,3831,2631,5021,3301,6181,9181,426
OPM % 13%9%12%14%18%19%11%12%14%10%10%15%15%
Other Income 2910127262829-33-765226-72,9293,287
Interest 9186849493164574608504449488364245
Depreciation 323334374042367420428428456373270
Profit before tax 499974901711084091596224796674,1094,198
Tax % 22%22%19%24%24%29%34%-87%38%35%32%16%
Net Profit 38771782503452074575226787311,0714,1944,072
EPS in Rs 40.1983.65199.70279.03382.63231.31415.28402.92450.08555.74830.103,445.003,401.23
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:30%
5 Years:37%
3 Years:47%
1 Year:-21%
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

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

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Bengal & Assam Company Ltd as of February 23, 2025 is: ₹15,686.46

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 February 23, 2025, Bengal & Assam Company Ltd is Undervalued by 107.71% compared to the current share price ₹7,552.00

Intrinsic Value of Bengal & Assam Company Ltd as of February 23, 2025 is: 18,017.01

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 February 23, 2025, Bengal & Assam Company Ltd is Undervalued by 138.57% compared to the current share price ₹7,552.00

Last 5 Year EPS CAGR: 14.86%

*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 (6.77 cr) and profit (225.77 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: 19.61%)
      • 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: 10.68%)
      • 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: 10.5 (Industry average Stock P/E: 37.39)
      • 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 latest intrinsic value of Bengal & Assam Company Ltd?

Let's break down Bengal & Assam Company Ltd's intrinsic value simply:

We calculate intrinsic value using the PE Ratio Method - comparing the company's current price-to-earnings ratio with its historical average and industry peers. Think of it like checking if a stock is "on sale" compared to its typical pricing.

As of 23 February 2025:

  • Calculated Fair Value: ₹15686.46
  • Current Market Price: ₹7,552.00
  • Variance: 107.71% higher

This suggests Bengal & Assam Company Ltd is currently undervalued by 107.71%. For context:

  • Market Cap: 8,531 Cr.
  • 52-Week Range: 11,499/7,520
  • Reserves (Sep 2024): ₹9,398 Cr
  • Liabilities: 10,863 Cr

Remember: The PE method gives a snapshot based on earnings multiples. While useful for quick comparisons, investors should also consider growth prospects, industry trends, and economic conditions. This calculation assumes historical PE ratios remain relevant - always verify with current market dynamics.

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

The Market Cap of Bengal & Assam Company Ltd is 8,531 Cr..

What is the current Stock Price of Bengal & Assam Company Ltd as on 23 February 2025?

The current stock price of Bengal & Assam Company Ltd as on 23 February 2025 is ₹7,552.

What is the High / Low of Bengal & Assam Company Ltd stocks in FY 2024-2025?

In FY 2024-2025, the High / Low of Bengal & Assam Company Ltd stocks is 11,499/7,520.

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

The Stock P/E of Bengal & Assam Company Ltd is 10.5.

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 0.53 %.

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