Share Price and Basic Stock Data
Last Updated: December 26, 2025, 10:51 pm
| PEG Ratio | 0.97 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Bengal & Assam Company Ltd operates as a Non-Banking Financial Company (NBFC), primarily involved in financial services. The company reported a revenue of ₹16,521 Cr for the fiscal year ending March 2023, which marked a significant increase from ₹14,903 Cr in the previous fiscal year. However, the revenue for the current fiscal year ending March 2024 is projected to decline to ₹12,962 Cr, reflecting a challenging business environment. The quarterly revenue figures show fluctuations, with the highest sales recorded at ₹4,377 Cr in September 2023, while it dipped to ₹3,777 Cr in December 2023. The sales for the trailing twelve months (TTM) stand at ₹2,226 Cr, indicating a downward trend that may concern investors. Despite these challenges, the company maintains a robust operating profit margin of 18%, highlighting its ability to manage costs effectively.
Profitability and Efficiency Metrics
The profitability of Bengal & Assam Company Ltd is evidenced by a net profit of ₹855 Cr, translating to a P/E ratio of 9.74, which is relatively attractive compared to the sector average. The company reported a return on equity (ROE) of 7.64% and a return on capital employed (ROCE) of 4.22%. These figures suggest that while profitability is stable, there is room for improvement in capital utilization. The operating profit margin (OPM) has shown resilience, recorded at 18%, although the quarterly OPM has fluctuated, peaking at 27% in September 2024. Efficiency metrics such as the cash conversion cycle (CCC) stood at 128 days, indicating a slower operational pace compared to industry standards, which typically range from 60 to 90 days. These insights portray a company that, while profitable, faces challenges in maintaining operational efficiency.
Balance Sheet Strength and Financial Ratios
Bengal & Assam Company Ltd’s balance sheet reveals a strong foundation with total assets amounting to ₹11,336 Cr against total liabilities of ₹11,336 Cr, ensuring the company remains solvent. The reserves have significantly increased to ₹10,199 Cr, providing a cushion for future growth and stability. Borrowings of ₹559 Cr reflect a low debt level, indicating prudent financial management; the debt-to-equity ratio stands at 0.05, which is substantially lower than typical sector levels. The interest coverage ratio (ICR) of 11.40x indicates robust ability to service interest obligations, further underscoring financial health. However, the company’s return on capital employed (ROCE) has decreased to 4.11%, suggesting that while it possesses ample assets, the efficiency in generating returns from these assets requires attention. Overall, the company’s strong asset base and low leverage position it well for future opportunities.
Shareholding Pattern and Investor Confidence
The shareholding structure of Bengal & Assam Company Ltd indicates a strong promoter holding at 72.88%, which reflects confidence from the founders in the company’s potential. Foreign Institutional Investors (FIIs) hold 4.42%, while Domestic Institutional Investors (DIIs) account for a minimal 0.01%. The public shareholding stands at 22.70%, with a total of 27,050 shareholders as of the latest reporting. The stability of promoter holdings, which has remained consistent over recent quarters, may reassure investors regarding the company’s governance and strategic direction. However, the low participation from DIIs could indicate a lack of broader institutional confidence, which may hinder liquidity and market sentiment. Given these dynamics, investor confidence appears mixed, combining strong internal support with external caution.
Outlook, Risks, and Final Insight
The outlook for Bengal & Assam Company Ltd remains cautiously optimistic, contingent on its ability to navigate the challenges reflected in declining revenue and fluctuating profitability. The company’s solid asset base and low debt levels provide a buffer against market volatility. However, risks include the declining revenue trend and higher cash conversion cycle, which may impact liquidity and operational efficiency. Additionally, the low institutional investor participation could limit stock performance. To enhance its market position, the company should focus on improving operational efficiency and capital utilization. If it successfully addresses these issues, it could potentially leverage its strong reserves to explore new growth avenues, ultimately benefiting shareholders and stabilizing its market presence.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 14.8 Cr. | 1.48 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 7.63 Cr. | 0.76 | 8.62/0.75 | 22.4 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 462 Cr. | 63.4 | 127/59.1 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.1 Cr. | 16.5 | 34.4/15.0 | 11.3 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 37.1 Cr. | 82.5 | 162/74.8 | 19.8 | 238 | 1.21 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,801.31 Cr | 462.37 | 53.31 | 522.46 | 0.22% | 15.80% | 8.84% | 8.50 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 4,228 | 3,993 | 4,103 | 4,241 | 4,377 | 3,777 | 523 | 528 | 590 | 489 | 521 | 573 | 642 |
| Expenses | 3,847 | 3,619 | 3,622 | 3,710 | 3,697 | 3,224 | 413 | 445 | 432 | 421 | 428 | 472 | 451 |
| Operating Profit | 381 | 374 | 481 | 531 | 680 | 553 | 110 | 83 | 157 | 68 | 93 | 101 | 191 |
| OPM % | 9% | 9% | 12% | 13% | 16% | 15% | 21% | 16% | 27% | 14% | 18% | 18% | 30% |
| Other Income | 99 | 191 | 201 | 18 | 14 | 3,098 | 29 | 17 | 24 | 39 | 31 | 27 | 39 |
| Interest | 117 | 129 | 135 | 129 | 119 | 106 | 10 | 10 | 10 | 11 | 13 | 12 | 13 |
| Depreciation | 110 | 114 | 120 | 120 | 122 | 114 | 17 | 17 | 17 | 17 | 17 | 16 | 16 |
| Profit before tax | 252 | 322 | 427 | 299 | 452 | 3,431 | 111 | 73 | 154 | 80 | 93 | 99 | 201 |
| Tax % | 17% | 16% | 19% | 33% | 32% | 11% | 25% | 28% | 20% | 29% | 28% | 28% | 20% |
| Net Profit | 210 | 272 | 345 | 378 | 437 | 3,062 | 317 | 256 | 128 | 140 | 231 | 258 | 226 |
| EPS in Rs | 168.24 | 212.38 | 253.91 | 263.66 | 283.68 | 2,622.08 | 275.57 | 219.90 | 112.86 | 117.57 | 197.56 | 219.05 | 191.94 |
Last Updated: December 27, 2025, 8:40 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 Sales, as of Sep 2025, the value is 642.00 Cr.. The value appears strong and on an upward trend. It has increased from 573.00 Cr. (Jun 2025) to 642.00 Cr., marking an increase of 69.00 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 Operating Profit, as of Sep 2025, the value is 191.00 Cr.. The value appears strong and on an upward trend. It has increased from 101.00 Cr. (Jun 2025) to 191.00 Cr., marking an increase of 90.00 Cr..
- For OPM %, as of Sep 2025, the value is 30.00%. The value appears strong and on an upward trend. It has increased from 18.00% (Jun 2025) to 30.00%, marking an increase of 12.00%.
- 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 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 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.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:05 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1,251 | 1,371 | 1,438 | 1,560 | 1,531 | 12,534 | 11,119 | 10,439 | 13,609 | 16,521 | 12,962 | 2,187 | 2,226 |
| Expenses | 1,133 | 1,205 | 1,243 | 1,283 | 1,247 | 11,151 | 9,842 | 8,937 | 12,278 | 14,903 | 11,044 | 1,727 | 1,773 |
| Operating Profit | 118 | 166 | 195 | 277 | 284 | 1,383 | 1,278 | 1,502 | 1,330 | 1,618 | 1,918 | 460 | 453 |
| OPM % | 9% | 12% | 14% | 18% | 19% | 11% | 11% | 14% | 10% | 10% | 15% | 21% | 20% |
| Other Income | 101 | 27 | 26 | 28 | 29 | -33 | -84 | 52 | 26 | -7 | 2,929 | 52 | 136 |
| Interest | 86 | 84 | 94 | 93 | 164 | 574 | 609 | 504 | 449 | 488 | 364 | 44 | 50 |
| Depreciation | 33 | 34 | 37 | 40 | 42 | 367 | 423 | 428 | 428 | 456 | 373 | 68 | 67 |
| Profit before tax | 99 | 74 | 90 | 171 | 108 | 409 | 161 | 622 | 479 | 667 | 4,109 | 400 | 473 |
| Tax % | 22% | 19% | 24% | 24% | 29% | 34% | -85% | 38% | 35% | 32% | 16% | 25% | |
| Net Profit | 77 | 178 | 250 | 345 | 207 | 457 | 522 | 678 | 731 | 1,071 | 4,194 | 755 | 855 |
| EPS in Rs | 83.65 | 199.70 | 279.03 | 382.63 | 231.31 | 415.28 | 402.92 | 450.08 | 555.74 | 830.10 | 3,445.53 | 648.25 | 726.12 |
| Dividend Payout % | 6% | 4% | 4% | 3% | 4% | 3% | 4% | 2% | 3% | 3% | 1% | 8% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 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: December 4, 2025, 2:30 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 9 | 9 | 9 | 9 | 9 | 11 | 11 | 11 | 11 | 11 | 11 | 11 | 11 |
| Reserves | 522 | 1,274 | 1,514 | 1,813 | 2,005 | 2,991 | 3,363 | 3,904 | 4,533 | 5,502 | 9,052 | 9,750 | 10,199 |
| Borrowings | 371 | 410 | 444 | 422 | 348 | 6,474 | 6,093 | 5,110 | 5,527 | 5,185 | 422 | 556 | 559 |
| Other Liabilities | 303 | 314 | 328 | 347 | 416 | 4,734 | 4,833 | 5,418 | 6,155 | 6,527 | 952 | 1,019 | 1,056 |
| Total Liabilities | 1,205 | 2,006 | 2,294 | 2,591 | 2,777 | 14,211 | 14,300 | 14,443 | 16,226 | 17,226 | 10,437 | 11,336 | 11,826 |
| Fixed Assets | 376 | 355 | 377 | 366 | 391 | 6,701 | 6,810 | 6,647 | 6,841 | 6,931 | 461 | 480 | 472 |
| CWIP | 4 | 9 | 3 | 20 | 11 | 287 | 295 | 328 | 136 | 232 | 22 | 26 | 24 |
| Investments | 564 | 1,289 | 1,508 | 1,703 | 1,984 | 1,819 | 2,085 | 2,423 | 2,749 | 3,602 | 9,090 | 9,869 | 10,322 |
| Other Assets | 261 | 353 | 406 | 502 | 391 | 5,404 | 5,110 | 5,045 | 6,500 | 6,460 | 864 | 962 | 1,008 |
| Total Assets | 1,205 | 2,006 | 2,294 | 2,591 | 2,777 | 14,211 | 14,300 | 14,443 | 16,226 | 17,226 | 10,437 | 11,336 | 11,826 |
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 Borrowings, as of Sep 2025, the value is 559.00 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 556.00 Cr. (Mar 2025) to 559.00 Cr., marking an increase of 3.00 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..
Notably, the Reserves (10,199.00 Cr.) exceed the Borrowings (559.00 Cr.), indicating a solid financial buffer.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -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.
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 | 34 | 34 | 32 | 29 | 32 | 65 | 67 | 63 | 61 | 57 | 9 | 62 |
| Inventory Days | 23 | 24 | 25 | 27 | 28 | 89 | 102 | 120 | 114 | 91 | 20 | 136 |
| Days Payable | 28 | 30 | 32 | 32 | 30 | 81 | 99 | 101 | 96 | 70 | 9 | 71 |
| Cash Conversion Cycle | 29 | 28 | 26 | 24 | 30 | 73 | 70 | 81 | 79 | 78 | 20 | 128 |
| Working Capital Days | -16 | -20 | -8 | 22 | -3 | 9 | 51 | 40 | 51 | 42 | 9 | 52 |
| ROCE % | 12% | 12% | 10% | 12% | 11% | 15% | 8% | 10% | 8% | 10% | 14% | 4% |
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.) | 642.14 | 3444.99 | 830.10 | 555.74 | 450.07 |
| Diluted EPS (Rs.) | 632.65 | 3444.99 | 830.10 | 555.74 | 450.07 |
| Cash EPS (Rs.) | 325.45 | 3399.57 | 804.25 | 656.90 | 719.49 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 8641.35 | 8180.76 | 6630.28 | 5429.77 | 4794.59 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 8641.35 | 8180.76 | 6630.28 | 5429.77 | 4794.59 |
| Revenue From Operations / Share (Rs.) | 1883.71 | 11435.08 | 14599.16 | 12017.81 | 9206.93 |
| PBDIT / Share (Rs.) | 442.66 | 1726.19 | 1480.24 | 1197.45 | 1351.39 |
| PBIT / Share (Rs.) | 382.06 | 1395.90 | 1076.82 | 818.18 | 972.92 |
| PBT / Share (Rs.) | 354.28 | 3637.68 | 590.50 | 424.02 | 556.81 |
| Net Profit / Share (Rs.) | 264.85 | 3069.28 | 400.84 | 277.63 | 341.02 |
| NP After MI And SOA / Share (Rs.) | 648.25 | 3444.99 | 830.11 | 555.74 | 450.07 |
| PBDIT Margin (%) | 23.49 | 15.09 | 10.13 | 9.96 | 14.67 |
| PBIT Margin (%) | 20.28 | 12.20 | 7.37 | 6.80 | 10.56 |
| PBT Margin (%) | 18.80 | 31.81 | 4.04 | 3.52 | 6.04 |
| Net Profit Margin (%) | 14.05 | 26.84 | 2.74 | 2.31 | 3.70 |
| NP After MI And SOA Margin (%) | 34.41 | 30.12 | 5.68 | 4.62 | 4.88 |
| Return on Networth / Equity (%) | 7.50 | 42.97 | 17.00 | 13.81 | 12.98 |
| Return on Capital Employeed (%) | 4.11 | 16.17 | 13.59 | 12.50 | 16.90 |
| Return On Assets (%) | 6.44 | 37.16 | 5.40 | 3.84 | 3.50 |
| Long Term Debt / Equity (X) | 0.00 | 0.00 | 0.03 | 0.04 | 0.05 |
| Total Debt / Equity (X) | 0.05 | 0.04 | 0.94 | 1.22 | 1.30 |
| Asset Turnover Ratio (%) | 0.19 | 0.92 | 0.01 | 0.01 | 0.01 |
| Current Ratio (X) | 12.17 | 13.61 | 1.11 | 0.95 | 0.86 |
| Quick Ratio (X) | 11.76 | 13.09 | 0.79 | 0.63 | 0.60 |
| Inventory Turnover Ratio (X) | 5.74 | 4.68 | 0.00 | 0.00 | 0.00 |
| Dividend Payout Ratio (NP) (%) | 6.17 | 0.72 | 1.80 | 1.34 | 0.00 |
| Dividend Payout Ratio (CP) (%) | 5.64 | 0.66 | 1.21 | 0.80 | 0.00 |
| Earning Retention Ratio (%) | 93.83 | 99.28 | 98.20 | 98.66 | 0.00 |
| Cash Earning Retention Ratio (%) | 94.36 | 99.34 | 98.79 | 99.20 | 0.00 |
| Interest Coverage Ratio (X) | 11.40 | 5.35 | 3.43 | 3.01 | 3.03 |
| Interest Coverage Ratio (Post Tax) (X) | 7.54 | 2.56 | 2.05 | 1.69 | 1.71 |
| Enterprise Value (Cr.) | 8809.28 | 10221.95 | 10977.72 | 9439.46 | 7853.80 |
| EV / Net Operating Revenue (X) | 4.14 | 0.79 | 0.66 | 0.69 | 0.75 |
| EV / EBITDA (X) | 17.62 | 5.24 | 6.57 | 6.98 | 5.14 |
| MarketCap / Net Operating Revenue (X) | 3.83 | 0.74 | 0.25 | 0.19 | 0.14 |
| Retention Ratios (%) | 93.82 | 99.27 | 98.19 | 98.65 | 0.00 |
| Price / BV (X) | 0.83 | 1.07 | 0.74 | 0.58 | 0.39 |
| Price / Net Operating Revenue (X) | 3.83 | 0.74 | 0.25 | 0.19 | 0.14 |
| EarningsYield | 0.08 | 0.40 | 0.22 | 0.23 | 0.32 |
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.
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 Bengal & Assam Company Ltd:
- 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.
- ROCE: 4.11% (Industry Average ROCE: 15.8%)
- 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%: 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.
- 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.
- 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.
- Stock P/E: 9.74 (Industry average Stock P/E: 53.31)
- 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: 0.05
- 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.
Stock Rating: - Net Profit Margin: 14.05%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | 7, Council House Street, Kolkata West Bengal 700001 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Bharat Hari Singhania | Chairman |
| Mr. Sanjeev Kumar Jhunjhunwala | Director |
| Mr. Ashok Kumar Kinra | Director |
| Dr. Raghupati Singhania | Director |
| Mr. Sanjay Kumar Khaitan | Director |
| Mr. Mudit Kumar | Director |
| Mr. Kalpataru Tripathy | Director |
| Ms. Vinita Singhania | Director |
| Ms. Deepa Gopalan Wadhwa | Director |
FAQ
What is the intrinsic value of Bengal & Assam Company Ltd?
Bengal & Assam Company Ltd's intrinsic value (as of 27 December 2025) is 5368.77 which is 22.76% lower the current market price of 6,951.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 7,927 Cr. market cap, FY2025-2026 high/low of 9,699/6,220, 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 7,927 Cr..
What is the current Stock Price of Bengal & Assam Company Ltd as on 27 December 2025?
The current stock price of Bengal & Assam Company Ltd as on 27 December 2025 is 6,951.
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 9,699/6,220.
What is the Stock P/E of Bengal & Assam Company Ltd?
The Stock P/E of Bengal & Assam Company Ltd is 9.74.
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 0.72 %.
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.