Bengal & Assam Company Ltd - Stock Valuation and Financial Performance

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

Bengal & Assam Share Price

8,350 -54.65 -0.65%
as on 10-Feb'25 12:30

DeciZen - make an informed investing decision on Bengal & Assam

Overall Rating
Bole Toh

1. Quality

2. Valuation

Overvalued

3. Price Trend

Bengal & Assam Company stock performance -
8,350 -961.00-10.00% past year

Price Chart, Live Stock Chart, Technical Chart of
P/E Ratio (SA):
62.98
Market Cap:
9,494.2 Cr.
52-wk low:
7,578
52-wk high:
11,498.9

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

1. Is Bengal & Assam Company Ltd 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.

2. Is Bengal & Assam Company Ltd 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.

3. Is Bengal & Assam Company Ltd 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.

10 Year X-Ray of Bengal & Assam:

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.
Bengal & Assam Company 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.)
33.441.843.142.27117657.2103144153190
YoY Gr. Rt. %
-25.3%3.1%-2.2%68.3%148.1%-67.5%79.9%40%6.1%-
Adj EPS (₹ )
23.726.526.532.948.411120.654.2107.9102.5133.5
YoY Gr. Rt. %
-11.7%0.3%24%47.3%129.1%-81.5%163.4%98.9%-5%-
BVPS (₹ )
389.8406.2432.8455.6878.8710.4739.7791.4885.4963.71,014.7
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 (%)
4.34.34.15.24.3101.95.110.39.70

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income18.4%16.6%38.8%6.1%
Adj EPS17.7%16.2%70.7%-5%
BVPS10.6%1.9%9.2%8.8%
Share Price 32.4% 38% 50% -12.3%

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 (%)
61.65553.567.854.971.240.759.684.675.879.5
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)
6.26.76.37.47.116.62.87.112.911.113.2

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 13.50%

Total Income has increased 38.75 CAGR in last 3 years

Net Profit has increased 70.73 CAGR in last 3 years

Total income growth is good in last 4 quarters

No data to display

Latest Financials - Bengal & Assam Company Ltd.

Standalone Consolidated
TTM EPS (₹) 133.5 3,230.8
TTM Sales (₹ Cr.) 190 172
BVPS (₹.) 1,014.7 8,329.8
Reserves (₹ Cr.) 1,135 9,398
P/BV 8.28 1.01
PE 62.98 2.60
From the Market
52 Week Low / High (₹) 7578.00 / 11498.90
All Time Low / High (₹) 50.00 / 11498.90
Market Cap (₹ Cr.) 9,494
Equity (₹ Cr.) 11.3
Face Value (₹) 10
Industry PE 28.2

Quarterly Results

 Dec'23 YoY Gr. Rt. %Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %
Operating Income2.2 2.363 46.73.2 44.5121 42
Adj EPS (₹)-0.66 N/A44.68 -1.11.65 N/A87.79 48.1
Net Profit Mgn %-33.86 5354 bps80.11 -3872 bps59.04 10203 bps81.81 334 bps

Management X-Ray of Bengal & Assam:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:73.01%Institutions:4.58%Non-Institutions:22.4%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%20%40%60%80%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of Bengal & Assam

MRP
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MOS
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DP
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Base BVPS
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DPS
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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 Bengal & Assam

Adj EPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of

Total Income (Cr.)

Price Chart, Live Stock Chart, Technical Chart of

ROE (%)

Price Chart, Live Stock Chart, Technical Chart of

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 1,000.9 -33.6 (-3.2%) Small Cap 10,020 23.1 -16.8 44.9 0.9
Edelweiss Financial 107.1 -4.9 (-4.4%) Small Cap 9,500 4.9 5.6 22.9 2
Manappuram Finance 203.2 -5.1 (-2.5%) Small Cap 8,848 26.7 24.8 7.8 1.4
CreditAccess Grameen 1,032.9 -39.3 (-3.7%) Small Cap 5,167 55.2 28 19.4 2.5
Spandana Sphoorty 335.6 -12.3 (-3.5%) Small Cap 2,424 -66.2 20.7 - 0.8
Fusion Finance 180.6 -11 (-5.7%) Small Cap 2,317 -8.1 21.8 - 0.8
Muthoot Microfin 155.8 -1.5 (-0.9%) Small Cap 2,270 17.5 19.8 9 0.9
Five Star Business 742 -30.2 (-3.9%) Small Cap 2,183 35 38.3 22.1 3.8
Northern ARC Capital 184.7 -6.7 (-3.5%) Small Cap 1,829 17.4 15.3 11 1
Fedbank Financial 94.5 -0.7 (-0.8%) Small Cap 1,577 5.9 15.5 16 1.5
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income394749487718364110173160
Interest Income334243427117657103144153
Other Income 55666778297
Expenditure 17232620385341342622
Interest Expense 13192213304334261711
Operating Expenses 3333475667
Provisions 2223432234
Exceptional Items 0000000000
Profit Before Tax 22242228381302476148138
Taxes 11-10050152622
Profit After Tax 21232329391252361122116
Adjusted EPS (₹)23.726.526.532.948.4111.020.654.2107.9102.5
Dividend Payout Ratio (%)30%38%38%30%21%14%36%28%23%39%

Balance Sheet

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

Equity and Liabilities

Equity Capital3383533763967068038368941,0001,089
Share Capital 999981111111111
Reserves 3303443673876987918248839891,077
Minority Interest0000000000
Long Term Borrowings13316215369555442414271181113
Current Liabilities 43494561476867
Trade Payables0000000000
Short term borrowings0000000000
Other Liabilities0000300000
Total Liabilities 5145635745261,2691,2511,2561,1731,1871,208

Assets

Non Current Asset 4704975234831,2341,2301,2391,1631,1761,196
Loan Asset 0000000000
Other Non Current Asset 4704975234831,2341,2301,2391,1631,1761,196
Current Asset 4466524336211691112
Current Investment0000000000
Other Current Asset4466524336211691112
Total Assets 5145635745261,2691,2511,2561,1731,1871,208

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 28363944711494185108117
Cash Flow From Investing Activity -65-39-2046-23139209118-10
Cash Flow From Financing Activity 387-22-90160-187-62-179-126-107
Net Cash Flow 04-30110-300
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)24262733481112154108102
DPS (₹)710101010158152540
BVPS (₹)390406433456879710740791885964

Performance Ratios

ROA (%)4.34.34.15.24.310.01.95.110.39.7
ROE (%)6.26.76.37.47.116.62.87.112.911.1
ROCE (%)7.58.27.97.67.713.94.68.614.212.6

Valuation Parameters

Price/Book(x)1.31.24.04.62.01.71.93.04.18.9

Bengal & Assam Company Ltd Stock News

Bengal & Assam Company Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Bengal & Assam on 10-Feb-2025 12:30 is ₹8,350.
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 10-Feb-2025 12:30 the market cap of Bengal & Assam stood at ₹9,494.2.
The latest P/E ratio of Bengal & Assam as of 10-Feb-2025 12:30 is 62.98.
The latest P/B ratio of Bengal & Assam as of 10-Feb-2025 12:30 is 8.28.
The 52-week high of Bengal & Assam is ₹11,498.9 and the 52-week low is ₹7,578.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Bengal & Assam is ₹189.6 ( 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

  • Fenner (India)
  • Southern Spinners & Processors
  • Modern Cotton Yarn Spinners
  • Panchmahal Properties
  • LVP Foods 
  • Dwarkesh Energy
  • Acorn Engineering
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