Is Bengal & Assam Company a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Bengal & Assam Company Ltd is a below average quality company .

Is Bengal & Assam Company undervalued or overvalued?

The key valuation ratios of Bengal & Assam Company Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone .

What is Bengal & Assam Company share price return in the past 10 years?

Bengal & Assam Company Ltd share price has appreciated 32% annually (CAGR) over the past ten years.

Is Bengal & Assam Company a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Bengal & Assam Company Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

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

The latest standalone P/E ratio of Bengal & Assam Company as of 24-Apr-2025 is 55.97.

What is the P/B ratio of Bengal & Assam Company?

The latest standalone P/B ratio of Bengal & Assam Company as of 24-Apr-2025 is 7.51.

What is the 52-week high and low of Bengal & Assam Company?

The 52-week high of Bengal & Assam Company is Rs. 11498.90 and the 52-week low is Rs. 6220.00.

Bengal & Assam Company Ltd - Stock Valuation and Financial Performance

Name: Bengal & Assam Company
Brand: Bengal & Assam Company

BSE: 533095 | NSE: | Finance - NBFC | Small Cap

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Bengal & Assam Share Price

₹7,701.70 61.70 0.81%
as on 24-Apr'25 16:59

DeciZen - make an informed investing decision on Bengal & Assam

Based on:

Data

Overall Rating ⓘ
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1. Quality

2. Valuation

3. Price Trend

Bengal & Assam Company stock performance -

PE Chart Key Ratios

P/E Ratio (SA):

55.97

Market Cap:

8,630.4 Cr.

52-wk low:

6,220

52-wk high:

11,498.9

Related Stocks

Is Bengal & Assam Company Ltd an attractive stock to invest in?

10 Year X-Ray of Bengal & Assam: Login to view analysis.

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Standalone Basis ^P Consolidated Basis ^P

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Operating Income (₹ Cr.)	33.4	41.8	43.1	42.2	71	176	57.2	103	144	153	192
YoY Gr. Rt. %	-	25.3%	3.1%	-2.2%	68.3%	148.1%	-67.5%	79.9%	40%	6.1%	-
Adj EPS (₹ )	23.7	26.5	26.5	32.9	48.4	111	20.6	54.2	107.9	102.5	136.5
YoY Gr. Rt. %	-	11.7%	0.3%	24%	47.3%	129.1%	-81.5%	163.4%	98.9%	-5%	-
BVPS (₹ )	389.8	406.2	432.8	455.6	878.8	710.4	739.7	791.4	885.4	963.7	1,017.1
YoY Gr. Rt. %	-	4.2%	6.5%	5.3%	92.9%	-19.2%	4.1%	7%	11.9%	8.8%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	4.3	4.3	4.1	5.2	4.3	10	1.9	5.1	10.3	9.7	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	18.4%	16.6%	38.8%	6.1%
Adj EPS	17.7%	16.2%	70.7%	-5%
BVPS	10.6%	1.9%	9.2%	8.8%
Share Price	32%	47.3%	46.6%	-7.4%

Key Financial Ratios


RATIOS \ YEARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Asset Quality Ratio	To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0	0	0	0	0	0	0	0	0	0	-
Capitalization Ratio	To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	0	0	0	0	0	0	0	0	0	0	-
Margins
Net Profit Margin (%)	61.6	55	53.5	67.8	54.9	71.2	40.7	59.6	84.6	75.8	80.2
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	6.2	6.7	6.3	7.4	7.1	16.6	2.8	7.1	12.9	11.1	12.9

Recent Performance Summary

Latest Financials - Bengal & Assam Company Ltd.

	Standalone	Consolidated
TTM EPS (₹)	136.5	726.3
TTM Sales (₹ Cr.)	192	175
BVPS (₹.) ⓘ	1,017.1	8,379.8
Reserves (₹ Cr.) ⓘ	1,181	9,455
P/BV ⓘ	7.51	0.91
PE ⓘ	55.97	10.52

From the Market
52 Week Low / High (₹)	6220.00 / 11498.90
All Time Low / High (₹)	50.00 / 11498.90
Market Cap (₹ Cr.)	8,630
Equity (₹ Cr.)	11.3
Face Value (₹)	10
Industry PE ⓘ	30.6

Quarterly Results

Standalone Basis

Consolidated Basis

	Mar'24	YoY Gr. Rt. %	Jun'24	YoY Gr. Rt. %	Sep'24	YoY Gr. Rt. %	Dec'24	YoY Gr. Rt. %
Sales (₹ Cr.)ⓘ	1,096	19.8	1,010	15	1,001	18	1,182	25.7
Adj EPS (₹) ⓘ	1.8	-6.2	1.4	-0.7	1.3	958.3	2.1	40.9
Op. Profit Mgn % ⓘ	53.01	146 bps	50.97	-43 bps	51.98	-132 bps	49.59	-146 bps
Net Profit Mgn % ⓘ	33.76	-432 bps	29.94	20 bps	26.48	-331 bps	37.79	514 bps

Management X-Ray of Bengal & Assam:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of Bengal & Assam

Price Calculator

Price Chart

Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

No data found!

Key Ratios of Bengal & Assam

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Peer Comparison

Company Name	CMP(₹)	Change ₹(%)	Market Cap	Net Sales (₹ Cr.)	Latest EPS (₹)	Net Profit Margin %	Latest P/E	Latest P/BV
Piramal Enterprises	1,023	2 (0.2%)	Small Cap	10,020	23.1	-16.8	44.3	0.9
Edelweiss Financial	87.1	1.7 (2%)	Small Cap	9,500	4.9	5.6	17.5	1.6
Manappuram Finance	228.7	-3 (-1.3%)	Small Cap	8,848	23.3	24.8	10	1.5
CreditAccess Grameen	1,148.5	13 (1.1%)	Small Cap	5,167	55.2	28	20.6	2.6
Spandana Sphoorty	316.9	11.7 (3.8%)	Small Cap	2,424	-66.2	20.7	-	0.7
Fusion Finance	171.7	6.3 (3.8%)	Small Cap	2,317	-57.2	21.8	-	1
Muthoot Microfin	162.3	-1.3 (-0.8%)	Small Cap	2,270	17.5	19.8	9.3	0.9
Five Star Business	810.2	-17.5 (-2.1%)	Small Cap	2,183	35	38.3	23.7	4.1
Northern ARC Capital	219.6	-2.4 (-1.1%)	Small Cap	1,829	17.4	15.3	12.8	1.1
Fedbank Financial	92.3	-0.5 (-0.5%)	Small Cap	1,577	5.9	15.5	15.6	1.4

Shows rows:

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Profit And Loss

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Income	39	47	49	48	77	183	64	110	173	160
Interest Income	33	42	43	42	71	176	57	103	144	153
Other Income ⓘ	5	5	6	6	6	7	7	8	29	7
Expenditure ⓘ	17	23	26	20	38	53	41	34	26	22
Interest Expense ⓘ	13	19	22	13	30	43	34	26	17	11
Operating Expenses ⓘ	3	3	3	3	4	7	5	6	6	7
Provisions	2	2	2	3	4	3	2	2	3	4
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	0	0
Profit Before Tax ⓘ	22	24	22	28	38	130	24	76	148	138
Taxes ⓘ	1	1	-1	0	0	5	0	15	26	22
Profit After Tax	21	23	23	29	39	125	23	61	122	116
Adjusted EPS (₹)	23.7	26.5	26.5	32.9	48.4	111.0	20.6	54.2	107.9	102.5
Dividend Payout Ratio (%)	30%	38%	38%	30%	21%	14%	36%	28%	23%	39%

Balance Sheet

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Equity and Liabilities
Equity Capital	338	353	376	396	706	803	836	894	1,000	1,089
Share Capital ⓘ	9	9	9	9	8	11	11	11	11	11
Reserves ⓘ	330	344	367	387	698	791	824	883	989	1,077
Minority Interest	0	0	0	0	0	0	0	0	0	0
Long Term Borrowings	133	162	153	69	555	442	414	271	181	113
Current Liabilities	43	49	45	61	4	7	6	8	6	7
Trade Payables	0	0	0	0	0	0	0	0	0	0
Short term borrowings	0	0	0	0	0	0	0	0	0	0
Other Liabilities	0	0	0	0	3	0	0	0	0	0
Total Liabilities ⓘ	514	563	574	526	1,269	1,251	1,256	1,173	1,187	1,208
Assets
Non Current Asset	470	497	523	483	1,234	1,230	1,239	1,163	1,176	1,196
Loan Asset	0	0	0	0	0	0	0	0	0	0
Other Non Current Asset ⓘ	470	497	523	483	1,234	1,230	1,239	1,163	1,176	1,196
Current Asset	44	66	52	43	36	21	16	9	11	12
Current Investment	0	0	0	0	0	0	0	0	0	0
Other Current Asset	44	66	52	43	36	21	16	9	11	12
Total Assets ⓘ	514	563	574	526	1,269	1,251	1,256	1,173	1,187	1,208

Cash Flow

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Cash Flow From Operating Activity ⓘ	28	36	39	44	71	149	41	85	108	117
Cash Flow From Investing Activity ⓘ	-65	-39	-20	46	-231	39	20	91	18	-10
Cash Flow From Financing Activity ⓘ	38	7	-22	-90	160	-187	-62	-179	-126	-107
Net Cash Flow ⓘ	0	4	-3	0	1	1	0	-3	0	0

Finance Ratio

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Operational & Financial Ratios
EPS (₹)	24	26	27	33	48	111	21	54	108	102
DPS (₹)	7	10	10	10	10	15	8	15	25	40
BVPS (₹)	390	406	433	456	879	710	740	791	885	964
Performance Ratios
ROA (%)	4.3	4.3	4.1	5.2	4.3	10.0	1.9	5.1	10.3	9.7
ROE (%)	6.2	6.7	6.3	7.4	7.1	16.6	2.8	7.1	12.9	11.1
ROCE (%)	7.5	8.2	7.9	7.6	7.7	13.9	4.6	8.6	14.2	12.6
Valuation Parameters
Price/Book(x)	1.3	1.2	4.0	4.6	2.0	1.7	1.9	3.0	4.1	8.9

Bengal & Assam Company Ltd Stock News

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Bengal & Assam Company Ltd FAQs

What is the share price of Bengal & Assam?

Company share prices are keep on changing according to the market conditions. The closing price of Bengal & Assam on 24-Apr-2025 16:59 is ₹7,701.7.

What is the market cap of Bengal & Assam?

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 24-Apr-2025 16:59 the market cap of Bengal & Assam stood at ₹8,630.4.

What is the P/E ratio of Bengal & Assam?

The latest P/E ratio of Bengal & Assam as of 24-Apr-2025 16:59 is 55.97.

What is the P/B ratio of Bengal & Assam?

The latest P/B ratio of Bengal & Assam as of 24-Apr-2025 16:59 is 7.51.

What is the 52-week high and low of Bengal & Assam?

The 52-week high of Bengal & Assam is ₹11,498.9 and the 52-week low is ₹6,220.

What is the TTM revenue of Bengal & Assam?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Bengal & Assam is ₹192.3 ( Cr.) .

About Bengal & Assam Company Ltd

Bengal & Assam Company was originally incorporated on January 30, 1947 under the Indian Companies Act, 1913 as Bengal & Assam Investors in the state of West Bengal. The name of the company was subsequently changed to Bengal & Assam Company with effect from June 2, 1982. The registered office of the company was shifted from the state of West Bengal to the NCT of Delhi in the year 2002.

Business area of the company

The company is engaged in the business of holding investments and other financial assets of group companies. BACL is duly registered as a Non-Banking Financial Company (NBFC) with Reserve Bank of India (RBI), New Delhi.

Subsidiary Companies