Banas Finance Ltd - Stock Valuation and Financial Performance

BSE: 509053 | NSE: | Finance - NBFC | Small Cap

Banas Finance Share Price

9.13 -0.48 -4.99%
as on 11-Feb'25 16:59

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Banas Finance stock performance -
9.13 -4.00-31.00% past year

Price Chart, Live Stock Chart, Technical Chart of
P/E Ratio (SA):
0.00
Market Cap:
81.8 Cr.
52-wk low:
8.8
52-wk high:
17.8

Is Banas Finance Ltd an attractive stock to invest in?

1. Is Banas Finance Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Banas Finance Ltd is a below average quality company.

2. Is Banas Finance Ltd undervalued or overvalued?

The key valuation ratios of Banas Finance Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.

3. Is Banas Finance Ltd a good buy now?

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

10 Year X-Ray of Banas Finance:

Analysis of Financial Track Record

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

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

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Banas Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)
9.48.19.54.213.56.25.311.917.741.223
YoY Gr. Rt. %
--13.7%18.1%-56%220.2%-53.9%-14%123.6%48.7%132.2%-
Adj EPS (₹ )
-1.1-1.9-2.90.1-3.112.817.4-8.60.4-3.7
YoY Gr. Rt. %
-NANANA-4514.3%NA181%518.9%-149.3%NA-
BVPS (₹ )
21.619.716.816.936.937.823.240.623.824.219.8
YoY Gr. Rt. %
--8.6%-14.7%0.4%118.6%2.6%-38.8%75.1%-41.4%1.5%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
-4-6.1-10.40.3-8.6211.647.8-341.50

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income17.9%25.1%97.6%132.2%
Adj EPSNANA-50.1%NA
BVPS1.3%-8.1%1.4%1.5%
Share Price -10.4% 44.9% -39.7% -27.3%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)
0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%)
0000000000-
Margins
Net Profit Margin (%)
-20.4-40.8-53.92.8-40.728.6210.5582-3095.5-146
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)
-4.9-9-15.90.4-11.52.714.154.6-34.91.5-18.7

Recent Performance Summary

Total Income has increased 97.64 CAGR in last 3 years

Return on Equity is Poor

Net Profit has declined -50.06 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - Banas Finance Ltd.

Standalone Consolidated
TTM EPS (₹) -3.7 -3.3
TTM Sales (₹ Cr.) 22.7 22.7
BVPS (₹.) 19.8 20
Reserves (₹ Cr.) 88 90
P/BV 0.46 0.46
PE 0.00 0.00
From the Market
52 Week Low / High (₹) 8.82 / 17.84
All Time Low / High (₹) 0.37 / 465.23
Market Cap (₹ Cr.) 81.8
Equity (₹ Cr.) 89.6
Face Value (₹) 10
Industry PE 27.1

Quarterly Results

 Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %Dec'24 YoY Gr. Rt. %
Operating Income13.1 4578.61.2 -77.81.4 -89.16.9 726.2
Adj EPS (₹)-2.40 -151-1.05 -212.9-1.15 -142.1-0.03 N/A
Net Profit Mgn %-47.06 -51541 bps-119.37 -17339 bps-126.12 -22604 bps-0.84 4909 bps

Management X-Ray of Banas Finance:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:26.58%Institutions:0.03%Non-Institutions:73.39%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%5%10%15%20%25%30%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of Banas Finance

MRP
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MOS
spaceLock icon%
DP
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Base BVPS
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DPS
spaceLock icon
MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

No data found!

Key Ratios of Banas Finance

Adj EPS (Rs.)

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Total Income (Cr.)

Price Chart, Live Stock Chart, Technical Chart of

ROE (%)

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BVPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of
Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Piramal Enterprises 958.8 -52.7 (-5.2%) Small Cap 10,020 23.1 -16.8 41.6 0.8
Edelweiss Financial 109.2 1.4 (1.3%) Small Cap 9,500 4.9 5.6 22.3 2
Manappuram Finance 197.4 -7.5 (-3.6%) Small Cap 8,848 26.7 24.8 7.4 1.3
CreditAccess Grameen 995.3 -61.1 (-5.8%) Small Cap 5,167 55.2 28 18 2.3
Spandana Sphoorty 326.6 -12.4 (-3.7%) Small Cap 2,424 -66.2 20.7 - 0.8
Fusion Finance 171.6 -7.9 (-4.4%) Small Cap 2,317 -8.1 21.8 - 0.7
Muthoot Microfin 151.2 -4.5 (-2.9%) Small Cap 2,270 17.5 19.8 8.6 0.9
Five Star Business 700.6 -26.2 (-3.6%) Small Cap 2,183 35 38.3 20 3.4
Northern ARC Capital 184.3 -3.1 (-1.6%) Small Cap 1,829 17.4 15.3 10.6 0.9
Fedbank Financial 92.8 -1.8 (-1.9%) Small Cap 1,577 5.9 15.5 15.6 1.4
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income9.368.099.564.2813.868.9514.90102.7120.8876.18
Interest Income9.368.089.544.2013.456.205.3311.9217.7241.15
Other Income 00.010.020.080.412.759.5790.793.1635.03
Expenditure 9.7611.2614.704.1421.116.815.3511.07120.5742.55
Interest Expense 0.771.031.840.010.420.510.250.110.100.09
Operating Expenses 7.087.4611.782.219.202.511.349.3221.2535.06
Provisions 1.912.771.081.9211.493.793.761.6599.237.40
Exceptional Items -0.01000000000
Profit Before Tax -0.41-3.17-5.140.14-7.252.149.5591.64-99.6933.63
Taxes 1.500.1300.02-1.770.37-1.6722.27-44.9331.38
Profit After Tax -1.91-3.30-5.140.12-5.471.7711.2269.37-54.762.25
Adjusted EPS (₹)-1.1-1.9-2.90.1-3.11.02.817.4-8.60.4
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital38.1534.8529.7229.8365.2166.9392.42161.79151.82154.07
Share Capital 11.3811.3811.3811.3811.3811.3825.6525.6548.0548.05
Reserves 26.7723.4818.3418.4653.8355.5566.77136.14103.77106.02
Minority Interest0000000000
Long Term Borrowings-0.01-0.01-0.01-0.01-0.68-0.33-2.0819.68-25.305.45
Current Liabilities 11.5323.1210.758.7910.1110.7611.296.926.866.18
Trade Payables0000.010.380.070.080.020.030.12
Short term borrowings11.4620.196.884.859.6610.6111.206.906.516.05
Other Liabilities-11.46-20.19-6.88-4.874.233.59-11.29-6.92-6.54-6.17
Total Liabilities 49.6757.9740.4538.6188.9191.63101.63188.38133.38165.70

Assets

Non Current Asset 0.020.020.020.881.792.081.981.822.212.20
Loan Asset 0000000000
Other Non Current Asset 0.020.020.020.881.792.081.981.822.212.20
Current Asset 49.6557.9440.4337.7487.1389.5599.65186.56131.17163.50
Current Investment0001.5515.2820.6444.44138.4388.45110.12
Other Current Asset49.6557.9440.4336.1871.8568.9155.2148.1342.7153.37
Total Assets 49.6757.9740.4538.6188.9191.63101.63188.38133.38165.70

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 2.68-0.521.863.724.175.919.0219.69-0.83-5.51
Cash Flow From Investing Activity 000-1.48-0.73-3.50-15.34-5.58-49.197.62
Cash Flow From Financing Activity -0.77-1.01-1.83-2.03-0.360.440.34-4.4244.31-0.55
Net Cash Flow 1.92-1.530.030.203.082.85-5.989.70-5.701.57
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)0000-52427-110
DPS (₹)0000000000
BVPS (₹)33326575936633232

Performance Ratios

ROA (%)-4.0-6.1-10.40.3-8.62.011.647.8-34.01.5
ROE (%)-4.9-9.0-15.90.4-11.52.714.154.6-34.91.5
ROCE (%)0.8-4.1-7.20.4-11.02.910.067.4-60.921.2

Valuation Parameters

Price/Book(x)0.70.50.20.20.10.00.20.80.30.4

Banas Finance Ltd Stock News

Banas Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Banas Finance on 11-Feb-2025 16:59 is ₹9.13.
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 11-Feb-2025 16:59 the market cap of Banas Finance stood at ₹81.78.
The latest P/E ratio of Banas Finance as of 11-Feb-2025 16:59 is 0.00.
The latest P/B ratio of Banas Finance as of 11-Feb-2025 16:59 is 0.46.
The 52-week high of Banas Finance is ₹17.84 and the 52-week low is ₹8.82.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Banas Finance is ₹22.70 ( Cr.) .

About Banas Finance Ltd

Banas Finance was incorporated on June 6, 1983, as Pioneer Leasing Company. With the object of Finance & Investment related activities. The name of the company had been changed from Pioneer Leasing Company to Banas Finance with effect from August 28, 1986.

This BSE listed company is managed by the board of directors comprising persons with good business and commercial experience headed by Girraj Kishor Agrawal, who is professionally a Chartered Accountant, who is looking after the Finance and Administration. Besides the members of the Board, the company have a team of professionals having vast experience in Management, Technical, Finance and operation.

Business area of the company

The company is engaged in finance, Share Trading, Investments, Consultancy and having interest in Realty business which is fast growing.

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