Share Price and Basic Stock Data
Last Updated: February 3, 2026, 3:32 am
| PEG Ratio | 0.85 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Bengal & Assam Company Ltd operates in the non-banking financial company (NBFC) sector, with a current market price of ₹6,101 and a market capitalization of ₹6,957 Cr. The company reported a total revenue of ₹16,521 Cr for the fiscal year ending March 2023. This represented a significant increase from ₹13,609 Cr in the previous fiscal year. However, the revenue is projected to decline to ₹12,962 Cr in March 2024, followed by a further decrease to ₹2,187 Cr in March 2025. The quarterly revenue trends showed fluctuations, with the highest revenue recorded in September 2023 at ₹4,377 Cr, before declining to ₹3,777 Cr in December 2023. The company’s revenue from operations per share stood at ₹1,883.71 for March 2025, indicating a substantial drop in operational scale compared to earlier periods. The company’s revenue trajectory reflects the challenges faced in sustaining growth in a competitive NBFC environment.
Profitability and Efficiency Metrics
The profitability metrics of Bengal & Assam Company Ltd illustrate mixed performance. The net profit for the fiscal year ending March 2023 was ₹1,071 Cr, which marked an increase from ₹731 Cr in March 2022. However, net profit is expected to rise significantly to ₹4,194 Cr in March 2024, before declining to ₹755 Cr in March 2025. The company’s earnings per share (EPS) in March 2023 stood at ₹830.10, while the diluted EPS for March 2025 is reported at ₹632.65. The return on equity (ROE) was recorded at 7.64%, which is relatively low compared to typical sector levels. The interest coverage ratio (ICR) is strong at 11.40x, indicating the company’s ability to meet interest obligations comfortably. The cash conversion cycle (CCC) is concerning at 128 days, reflecting potential inefficiencies in managing working capital. Overall, while profitability has shown growth, efficiency metrics highlight areas for improvement.
Balance Sheet Strength and Financial Ratios
The balance sheet of Bengal & Assam Company Ltd reflects a solid financial foundation, with total assets recorded at ₹11,336 Cr as of March 2025. The company reported reserves of ₹10,199 Cr, indicating a strong equity position and a significant buffer for financial stability. The debt levels are low, with total debt to equity standing at 0.05x, which is favorable compared to industry norms. The price-to-book value (P/BV) ratio is at 0.83x, suggesting that the company’s shares are undervalued relative to its book value, which stood at ₹8,641.35 per share. The current ratio is a robust 12.17x, indicating excellent short-term liquidity. However, the return on capital employed (ROCE) is low at 4.11%, suggesting that the company is not efficiently utilizing its capital to generate returns. The financial ratios indicate a strong balance sheet but also highlight the need for improved operational efficiency to enhance returns.
Shareholding Pattern and Investor Confidence
Bengal & Assam Company Ltd’s shareholding pattern reveals a strong promoter presence, with promoters holding 72.88% of the shares as of September 2025. This level of promoter ownership reflects significant confidence and commitment to the company’s long-term strategy. Foreign institutional investors (FIIs) hold 4.42%, a stable figure that suggests moderate interest from international investors. Conversely, domestic institutional investors (DIIs) hold only 0.01%, indicating a lack of confidence among local institutional investors. The public shareholding stands at 22.70%, with the number of shareholders increasing to 27,050, suggesting a growing interest among retail investors. The concentration of ownership among promoters may present a risk for minority shareholders, as decision-making is largely in the hands of a few. Overall, the shareholding dynamics indicate strong internal support but limited external institutional investment.
Outlook, Risks, and Final Insight
The outlook for Bengal & Assam Company Ltd appears challenging, primarily due to declining revenue projections and a significant drop in net profit expected for March 2025. The company faces risks including operational inefficiencies, as indicated by a high cash conversion cycle, and a low ROCE that points to potential underutilization of capital. Additionally, the limited participation of domestic institutional investors raises concerns about broader market confidence. Nonetheless, the strong promoter backing and low debt levels provide a buffer against financial distress. For investors, the current valuation at a P/BV of 0.83x presents a potential opportunity, contingent on the company successfully addressing its operational challenges and improving profitability metrics. If the company can enhance its efficiency and stabilize its revenue streams, it could position itself favorably in the competitive NBFC landscape.
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 | 15.3 Cr. | 1.53 | 1.66/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 6.63 Cr. | 0.66 | 5.29/0.62 | 19.5 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 349 Cr. | 53.3 | 125/44.0 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 13.9 Cr. | 15.1 | 25.5/14.8 | 11.5 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 27.5 Cr. | 61.1 | 146/57.6 | 14.9 | 238 | 1.64 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 26,989.42 Cr | 390.01 | 52.44 | 514.98 | 0.24% | 15.81% | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4,228 | 3,993 | 4,103 | 4,241 | 4,377 | 3,777 | 523 | 528 | 590 | 489 | 521 | 573 | 642 |
| Interest | 117 | 129 | 135 | 129 | 119 | 106 | 10 | 10 | 10 | 11 | 13 | 12 | 13 |
| Expenses | 3,847 | 3,619 | 3,622 | 3,710 | 3,697 | 3,224 | 413 | 445 | 432 | 421 | 428 | 472 | 451 |
| Financing Profit | 264 | 245 | 346 | 402 | 561 | 447 | 100 | 73 | 148 | 57 | 80 | 88 | 178 |
| Financing Margin % | 6% | 6% | 8% | 9% | 13% | 12% | 19% | 14% | 25% | 12% | 15% | 15% | 28% |
| Other Income | 99 | 191 | 201 | 18 | 14 | 3,098 | 29 | 17 | 24 | 39 | 31 | 27 | 39 |
| 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 |
| 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.
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: February 1, 2026, 2:26 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 |
| Borrowing | 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 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.
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 |
|---|---|
|
|
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: 15.81%)
- 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.
- 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: 8.55 (Industry average Stock P/E: 52.44)
- 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 05 February 2026) is ₹5191.07 which is 14.91% lower the current market price of ₹6,101.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹6,957 Cr. market cap, FY2025-2026 high/low of ₹9,200/6,000, 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 6,957 Cr..
What is the current Stock Price of Bengal & Assam Company Ltd as on 05 February 2026?
The current stock price of Bengal & Assam Company Ltd as on 05 February 2026 is ₹6,101.
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 ₹9,200/6,000.
What is the Stock P/E of Bengal & Assam Company Ltd?
The Stock P/E of Bengal & Assam Company Ltd is 8.55.
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 0.82 %.
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.