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Last Updated: February 25, 2026, 9:58 pm
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 533095 | NSE: BENGALASM

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

Share Price and Basic Stock Data

Last Updated: February 25, 2026, 9:58 pm

Market Cap 7,100 Cr.
Current Price 6,226
Intrinsic Value₹5,092.92
High / Low 9,200/5,925
Stock P/E8.35
Book Value 8,954
Dividend Yield0.80 %
ROCE4.22 %
ROE7.64 %
Face Value 10.0
PEG Ratio0.83

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

View Share Price Target for Bengal & Assam Company Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Minolta Finance Ltd 12.1 Cr. 1.21 1.66/1.00 1.070.00 %0.40 %0.09 % 1.00
Money Masters Leasing & Finance Ltd 8.23 Cr. 0.82 2.97/0.5812.3 1.570.00 %4.42 %3.94 % 1.00
Moneyboxx Finance Ltd 439 Cr. 67.2 125/44.0 40.10.00 %8.65 %0.58 % 10.0
Moongipa Capital Finance Ltd 14.9 Cr. 16.2 24.7/14.812.3 26.60.00 %12.1 %9.43 % 10.0
Morarka Finance Ltd 27.0 Cr. 60.0 138/57.014.6 2381.67 %2.46 %2.17 % 10.0
Industry Average29,034.75 Cr394.7095.42513.450.23%15.81%8.84%8.50

All Competitor Stocks of Bengal & Assam Company Ltd

Quarterly Result

MetricSep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
Revenue4,2283,9934,1034,2414,3773,777523528590489521573642
Interest 11712913512911910610101011131213
Expenses 3,8473,6193,6223,7103,6973,224413445432421428472451
Financing Profit26424534640256144710073148578088178
Financing Margin %6%6%8%9%13%12%19%14%25%12%15%15%28%
Other Income 9919120118143,09829172439312739
Depreciation 11011412012012211417171717171616
Profit before tax 2523224272994523,43111173154809399201
Tax % 17%16%19%33%32%11%25%28%20%29%28%28%20%
Net Profit 2102723453784373,062317256128140231258226
EPS in Rs 168.24212.38253.91263.66283.682,622.08275.57219.90112.86117.57197.56219.05191.94
Gross NPA %
Net NPA %

Last Updated: February 2, 2026, 10:16 pm

Below is a detailed analysis of the quarterly data for Bengal & Assam Company Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:

  • For Interest, as of Sep 2025, the value is 13.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 12.00 Cr. (Jun 2025) to 13.00 Cr., marking an increase of 1.00 Cr..
  • For Expenses, as of Sep 2025, the value is 451.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 472.00 Cr. (Jun 2025) to 451.00 Cr., marking a decrease of 21.00 Cr..
  • For Other Income, as of Sep 2025, the value is 39.00 Cr.. The value appears strong and on an upward trend. It has increased from 27.00 Cr. (Jun 2025) to 39.00 Cr., marking an increase of 12.00 Cr..
  • For Depreciation, as of Sep 2025, the value is 16.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 16.00 Cr..
  • For Profit before tax, as of Sep 2025, the value is 201.00 Cr.. The value appears strong and on an upward trend. It has increased from 99.00 Cr. (Jun 2025) to 201.00 Cr., marking an increase of 102.00 Cr..
  • For Tax %, as of Sep 2025, the value is 20.00%. The value appears to be improving (decreasing) as expected. It has decreased from 28.00% (Jun 2025) to 20.00%, marking a decrease of 8.00%.
  • For Net Profit, as of Sep 2025, the value is 226.00 Cr.. The value appears to be declining and may need further review. It has decreased from 258.00 Cr. (Jun 2025) to 226.00 Cr., marking a decrease of 32.00 Cr..
  • For EPS in Rs, as of Sep 2025, the value is 191.94. The value appears to be declining and may need further review. It has decreased from 219.05 (Jun 2025) to 191.94, marking a decrease of 27.11.

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: December 15, 2025, 4:05 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Sales 1,2511,3711,4381,5601,53112,53411,11910,43913,60916,52112,9622,1872,226
Expenses 1,1331,2051,2431,2831,24711,1519,8428,93712,27814,90311,0441,7271,773
Operating Profit 1181661952772841,3831,2781,5021,3301,6181,918460453
OPM % 9%12%14%18%19%11%11%14%10%10%15%21%20%
Other Income 10127262829-33-845226-72,92952136
Interest 868494931645746095044494883644450
Depreciation 33343740423674234284284563736867
Profit before tax 9974901711084091616224796674,109400473
Tax % 22%19%24%24%29%34%-85%38%35%32%16%25%
Net Profit 771782503452074575226787311,0714,194755855
EPS in Rs 83.65199.70279.03382.63231.31415.28402.92450.08555.74830.103,445.53648.25726.12
Dividend Payout % 6%4%4%3%4%3%4%2%3%3%1%8%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)131.17%40.45%38.00%-40.00%120.77%14.22%29.89%7.82%46.51%291.60%-82.00%
Change in YoY Net Profit Growth (%)0.00%-90.72%-2.45%-78.00%160.77%-106.55%15.66%-22.07%38.69%245.09%-373.59%

Bengal & Assam Company Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:4%
5 Years:-28%
3 Years:-46%
TTM:-76%
Compounded Profit Growth
10 Years:15%
5 Years:7%
3 Years:5%
TTM:-46%
Stock Price CAGR
10 Years:33%
5 Years:45%
3 Years:45%
1 Year:-16%
Return on Equity
10 Years:15%
5 Years:15%
3 Years:15%
Last Year:8%

Last Updated: September 5, 2025, 2:36 pm

Balance Sheet

Last Updated: February 1, 2026, 2:26 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 999991111111111111111
Reserves 5221,2741,5141,8132,0052,9913,3633,9044,5335,5029,0529,75010,199
Borrowing3714104444223486,4746,0935,1105,5275,185422556559
Other Liabilities 3033143283474164,7344,8335,4186,1556,5279521,0191,056
Total Liabilities 1,2052,0062,2942,5912,77714,21114,30014,44316,22617,22610,43711,33611,826
Fixed Assets 3763553773663916,7016,8106,6476,8416,931461480472
CWIP 4932011287295328136232222624
Investments 5641,2891,5081,7031,9841,8192,0852,4232,7493,6029,0909,86910,322
Other Assets 2613534065023915,4045,1105,0456,5006,4608649621,008
Total Assets 1,2052,0062,2942,5912,77714,21114,30014,44316,22617,22610,43711,33611,826

Below is a detailed analysis of the balance sheet data for Bengal & Assam Company 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 11.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 11.00 Cr..
  • For Reserves, as of Sep 2025, the value is 10,199.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,750.00 Cr. (Mar 2025) to 10,199.00 Cr., marking an increase of 449.00 Cr..
  • For Other Liabilities, as of Sep 2025, the value is 1,056.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,019.00 Cr. (Mar 2025) to 1,056.00 Cr., marking an increase of 37.00 Cr..
  • For Total Liabilities, as of Sep 2025, the value is 11,826.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 11,336.00 Cr. (Mar 2025) to 11,826.00 Cr., marking an increase of 490.00 Cr..
  • For Fixed Assets, as of Sep 2025, the value is 472.00 Cr.. The value appears to be declining and may need further review. It has decreased from 480.00 Cr. (Mar 2025) to 472.00 Cr., marking a decrease of 8.00 Cr..
  • For CWIP, as of Sep 2025, the value is 24.00 Cr.. The value appears to be declining and may need further review. It has decreased from 26.00 Cr. (Mar 2025) to 24.00 Cr., marking a decrease of 2.00 Cr..
  • For Investments, as of Sep 2025, the value is 10,322.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,869.00 Cr. (Mar 2025) to 10,322.00 Cr., marking an increase of 453.00 Cr..
  • For Other Assets, as of Sep 2025, the value is 1,008.00 Cr.. The value appears strong and on an upward trend. It has increased from 962.00 Cr. (Mar 2025) to 1,008.00 Cr., marking an increase of 46.00 Cr..
  • For Total Assets, as of Sep 2025, the value is 11,826.00 Cr.. The value appears strong and on an upward trend. It has increased from 11,336.00 Cr. (Mar 2025) to 11,826.00 Cr., marking an increase of 490.00 Cr..

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 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + 1391091441131029931,5001,7803511,4371,817294
Cash from Investing Activity + 44-105-10254-163-368-359-177-188-647-1,392-286
Cash from Financing Activity + -183-3-37-17264-567-1,184-1,567-144-778-59039
Net Cash Flow -014-5358-43371912-16547

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-253.00-244.00-249.00-145.00-64.00-5.00-5.00-4.00-4.00-4.00-421.00-96.00

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 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days 34343229326567636157962
Inventory Days 2324252728891021201149120136
Days Payable 283032323081991019670971
Cash Conversion Cycle 2928262430737081797820128
Working Capital Days -16-20-822-3951405142952
ROCE %12%12%10%12%11%15%8%10%8%10%14%4%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 72.66%72.66%72.66%73.02%73.02%73.02%73.02%73.02%73.02%73.11%72.88%72.88%
FIIs 3.90%3.92%4.28%4.31%4.31%4.31%4.55%4.57%4.55%4.47%4.42%4.43%
DIIs 0.06%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%
Public 23.38%23.42%23.06%22.67%22.67%22.67%22.43%22.41%22.41%22.42%22.70%22.68%
No. of Shareholders 21,43520,79220,62920,81921,01921,02121,11920,33920,23120,20727,05026,177

Shareholding Pattern Chart

No. of Shareholders

Bengal & Assam Company Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 642.143444.99830.10555.74450.07
Diluted EPS (Rs.) 632.653444.99830.10555.74450.07
Cash EPS (Rs.) 325.453399.57804.25656.90719.49
Book Value[Excl.RevalReserv]/Share (Rs.) 8641.358180.766630.285429.774794.59
Book Value[Incl.RevalReserv]/Share (Rs.) 8641.358180.766630.285429.774794.59
Revenue From Operations / Share (Rs.) 1883.7111435.0814599.1612017.819206.93
PBDIT / Share (Rs.) 442.661726.191480.241197.451351.39
PBIT / Share (Rs.) 382.061395.901076.82818.18972.92
PBT / Share (Rs.) 354.283637.68590.50424.02556.81
Net Profit / Share (Rs.) 264.853069.28400.84277.63341.02
NP After MI And SOA / Share (Rs.) 648.253444.99830.11555.74450.07
PBDIT Margin (%) 23.4915.0910.139.9614.67
PBIT Margin (%) 20.2812.207.376.8010.56
PBT Margin (%) 18.8031.814.043.526.04
Net Profit Margin (%) 14.0526.842.742.313.70
NP After MI And SOA Margin (%) 34.4130.125.684.624.88
Return on Networth / Equity (%) 7.5042.9717.0013.8112.98
Return on Capital Employeed (%) 4.1116.1713.5912.5016.90
Return On Assets (%) 6.4437.165.403.843.50
Long Term Debt / Equity (X) 0.000.000.030.040.05
Total Debt / Equity (X) 0.050.040.941.221.30
Asset Turnover Ratio (%) 0.190.920.010.010.01
Current Ratio (X) 12.1713.611.110.950.86
Quick Ratio (X) 11.7613.090.790.630.60
Inventory Turnover Ratio (X) 5.744.680.000.000.00
Dividend Payout Ratio (NP) (%) 6.170.721.801.340.00
Dividend Payout Ratio (CP) (%) 5.640.661.210.800.00
Earning Retention Ratio (%) 93.8399.2898.2098.660.00
Cash Earning Retention Ratio (%) 94.3699.3498.7999.200.00
Interest Coverage Ratio (X) 11.405.353.433.013.03
Interest Coverage Ratio (Post Tax) (X) 7.542.562.051.691.71
Enterprise Value (Cr.) 8809.2810221.9510977.729439.467853.80
EV / Net Operating Revenue (X) 4.140.790.660.690.75
EV / EBITDA (X) 17.625.246.576.985.14
MarketCap / Net Operating Revenue (X) 3.830.740.250.190.14
Retention Ratios (%) 93.8299.2798.1998.650.00
Price / BV (X) 0.831.070.740.580.39
Price / Net Operating Revenue (X) 3.830.740.250.190.14
EarningsYield 0.080.400.220.230.32

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 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 642.14. This value is within the healthy range. It has decreased from 3,444.99 (Mar 24) to 642.14, marking a decrease of 2,802.85.
  • For Diluted EPS (Rs.), as of Mar 25, the value is 632.65. This value is within the healthy range. It has decreased from 3,444.99 (Mar 24) to 632.65, marking a decrease of 2,812.34.
  • For Cash EPS (Rs.), as of Mar 25, the value is 325.45. This value is within the healthy range. It has decreased from 3,399.57 (Mar 24) to 325.45, marking a decrease of 3,074.12.
  • For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 8,641.35. It has increased from 8,180.76 (Mar 24) to 8,641.35, marking an increase of 460.59.
  • For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 8,641.35. It has increased from 8,180.76 (Mar 24) to 8,641.35, marking an increase of 460.59.
  • For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 1,883.71. It has decreased from 11,435.08 (Mar 24) to 1,883.71, marking a decrease of 9,551.37.
  • For PBDIT / Share (Rs.), as of Mar 25, the value is 442.66. This value is within the healthy range. It has decreased from 1,726.19 (Mar 24) to 442.66, marking a decrease of 1,283.53.
  • For PBIT / Share (Rs.), as of Mar 25, the value is 382.06. This value is within the healthy range. It has decreased from 1,395.90 (Mar 24) to 382.06, marking a decrease of 1,013.84.
  • For PBT / Share (Rs.), as of Mar 25, the value is 354.28. This value is within the healthy range. It has decreased from 3,637.68 (Mar 24) to 354.28, marking a decrease of 3,283.40.
  • For Net Profit / Share (Rs.), as of Mar 25, the value is 264.85. This value is within the healthy range. It has decreased from 3,069.28 (Mar 24) to 264.85, marking a decrease of 2,804.43.
  • For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 648.25. This value is within the healthy range. It has decreased from 3,444.99 (Mar 24) to 648.25, marking a decrease of 2,796.74.
  • For PBDIT Margin (%), as of Mar 25, the value is 23.49. This value is within the healthy range. It has increased from 15.09 (Mar 24) to 23.49, marking an increase of 8.40.
  • For PBIT Margin (%), as of Mar 25, the value is 20.28. This value exceeds the healthy maximum of 20. It has increased from 12.20 (Mar 24) to 20.28, marking an increase of 8.08.
  • For PBT Margin (%), as of Mar 25, the value is 18.80. This value is within the healthy range. It has decreased from 31.81 (Mar 24) to 18.80, marking a decrease of 13.01.
  • For Net Profit Margin (%), as of Mar 25, the value is 14.05. This value exceeds the healthy maximum of 10. It has decreased from 26.84 (Mar 24) to 14.05, marking a decrease of 12.79.
  • For NP After MI And SOA Margin (%), as of Mar 25, the value is 34.41. This value exceeds the healthy maximum of 20. It has increased from 30.12 (Mar 24) to 34.41, marking an increase of 4.29.
  • For Return on Networth / Equity (%), as of Mar 25, the value is 7.50. This value is below the healthy minimum of 15. It has decreased from 42.97 (Mar 24) to 7.50, marking a decrease of 35.47.
  • For Return on Capital Employeed (%), as of Mar 25, the value is 4.11. This value is below the healthy minimum of 10. It has decreased from 16.17 (Mar 24) to 4.11, marking a decrease of 12.06.
  • For Return On Assets (%), as of Mar 25, the value is 6.44. This value is within the healthy range. It has decreased from 37.16 (Mar 24) to 6.44, marking a decrease of 30.72.
  • For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. There is no change compared to the previous period (Mar 24) which recorded 0.00.
  • For Total Debt / Equity (X), as of Mar 25, the value is 0.05. This value is within the healthy range. It has increased from 0.04 (Mar 24) to 0.05, marking an increase of 0.01.
  • For Asset Turnover Ratio (%), as of Mar 25, the value is 0.19. It has decreased from 0.92 (Mar 24) to 0.19, marking a decrease of 0.73.
  • For Current Ratio (X), as of Mar 25, the value is 12.17. This value exceeds the healthy maximum of 3. It has decreased from 13.61 (Mar 24) to 12.17, marking a decrease of 1.44.
  • For Quick Ratio (X), as of Mar 25, the value is 11.76. This value exceeds the healthy maximum of 2. It has decreased from 13.09 (Mar 24) to 11.76, marking a decrease of 1.33.
  • For Inventory Turnover Ratio (X), as of Mar 25, the value is 5.74. This value is within the healthy range. It has increased from 4.68 (Mar 24) to 5.74, marking an increase of 1.06.
  • For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 6.17. This value is below the healthy minimum of 20. It has increased from 0.72 (Mar 24) to 6.17, marking an increase of 5.45.
  • For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 5.64. This value is below the healthy minimum of 20. It has increased from 0.66 (Mar 24) to 5.64, marking an increase of 4.98.
  • For Earning Retention Ratio (%), as of Mar 25, the value is 93.83. This value exceeds the healthy maximum of 70. It has decreased from 99.28 (Mar 24) to 93.83, marking a decrease of 5.45.
  • For Cash Earning Retention Ratio (%), as of Mar 25, the value is 94.36. This value exceeds the healthy maximum of 70. It has decreased from 99.34 (Mar 24) to 94.36, marking a decrease of 4.98.
  • For Interest Coverage Ratio (X), as of Mar 25, the value is 11.40. This value is within the healthy range. It has increased from 5.35 (Mar 24) to 11.40, marking an increase of 6.05.
  • For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 7.54. This value is within the healthy range. It has increased from 2.56 (Mar 24) to 7.54, marking an increase of 4.98.
  • For Enterprise Value (Cr.), as of Mar 25, the value is 8,809.28. It has decreased from 10,221.95 (Mar 24) to 8,809.28, marking a decrease of 1,412.67.
  • For EV / Net Operating Revenue (X), as of Mar 25, the value is 4.14. This value exceeds the healthy maximum of 3. It has increased from 0.79 (Mar 24) to 4.14, marking an increase of 3.35.
  • For EV / EBITDA (X), as of Mar 25, the value is 17.62. This value exceeds the healthy maximum of 15. It has increased from 5.24 (Mar 24) to 17.62, marking an increase of 12.38.
  • For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 3.83. This value exceeds the healthy maximum of 3. It has increased from 0.74 (Mar 24) to 3.83, marking an increase of 3.09.
  • For Retention Ratios (%), as of Mar 25, the value is 93.82. This value exceeds the healthy maximum of 70. It has decreased from 99.27 (Mar 24) to 93.82, marking a decrease of 5.45.
  • For Price / BV (X), as of Mar 25, the value is 0.83. This value is below the healthy minimum of 1. It has decreased from 1.07 (Mar 24) to 0.83, marking a decrease of 0.24.
  • For Price / Net Operating Revenue (X), as of Mar 25, the value is 3.83. This value exceeds the healthy maximum of 3. It has increased from 0.74 (Mar 24) to 3.83, marking an increase of 3.09.
  • For EarningsYield, as of Mar 25, the value is 0.08. This value is below the healthy minimum of 5. It has decreased from 0.40 (Mar 24) to 0.08, marking a decrease of 0.32.

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 February 25, 2026 is: ₹4,606.25

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 25, 2026, Bengal & Assam Company Ltd is Overvalued by 26.02% compared to the current share price ₹6,226.00

Intrinsic Value of Bengal & Assam Company Ltd as of February 25, 2026 is: ₹5,068.64

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 25, 2026, Bengal & Assam Company Ltd is Overvalued by 18.59% compared to the current share price ₹6,226.00

Last 5 Year EPS CAGR: 10.04%

*Investments are subject to market risks

Strength and Weakness

StrengthWeakness
  1. The stock has a low average Working Capital Days of 19.08, which is a positive sign.
  2. The company has higher reserves (4,340.15 cr) compared to borrowings (2,455.46 cr), indicating strong financial stability.
  3. The company has shown consistent growth in sales (6.38 cr) and profit (289.00 cr) over the years.
  1. The stock has a low average ROCE of 10.50%, which may not be favorable.
  2. The stock has a high average Cash Conversion Cycle of 55.50, 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: 14.05%
      • 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: 4.11% (Industry Average ROCE: 15.81%)
      • 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%: 7.5% (Industry Average ROE: 8.84%)
      • 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): 7.54
      • 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: 11.76
      • 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: 8.35 (Industry average Stock P/E: 95.42)
      • 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: 0.05
      • 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. 157.49 Cr. and Equity Capital is Rs. 11.30 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)7, Council House Street, Kolkata West Bengal 700001Contact not found
Management
NamePosition Held
Mr. Bharat Hari SinghaniaChairman
Mr. Sanjeev Kumar JhunjhunwalaDirector
Mr. Ashok Kumar KinraDirector
Dr. Raghupati SinghaniaDirector
Mr. Sanjay Kumar KhaitanDirector
Mr. Mudit KumarDirector
Mr. Kalpataru TripathyDirector
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 25 February 2026) is ₹5068.64 which is 18.59% lower the current market price of ₹6,226.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹7,100 Cr. market cap, FY2025-2026 high/low of ₹9,200/5,925, reserves of ₹10,199 Cr, and liabilities of ₹11,826 Cr.

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

The Market Cap of Bengal & Assam Company Ltd is 7,100 Cr..

What is the current Stock Price of Bengal & Assam Company Ltd as on 25 February 2026?

The current stock price of Bengal & Assam Company Ltd as on 25 February 2026 is ₹6,226.

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 ₹9,200/5,925.

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

The Stock P/E of Bengal & Assam Company Ltd is 8.35.

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

The Book Value of Bengal & Assam Company Ltd is 8,954.

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

The Dividend Yield of Bengal & Assam Company Ltd is 0.80 %.

What is the ROCE of Bengal & Assam Company Ltd?

The ROCE of Bengal & Assam Company Ltd is 4.22 %.

What is the ROE of Bengal & Assam Company Ltd?

The ROE of Bengal & Assam Company Ltd is 7.64 %.

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
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