BSE: 533095 | NSE: | Finance - NBFC | Small Cap
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Bengal & Assam Company Ltd is a below average quality company.
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.
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.
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 | 190 | |
| 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 | 133.5 | |
| 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 | 1,014.7 | |
| 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 (%) | 4.3 | 4.3 | 4.1 | 5.2 | 4.3 | 10 | 1.9 | 5.1 | 10.3 | 9.7 | 0 | |
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 | 34.7% | 50.5% | 65.4% | 14.9% | ||||||||
| 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 | 79.5 | |
| 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 | 13.2 | |
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
| 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 ⓘ | 9.32 | 1.14 |
| PE ⓘ | 70.86 | 2.93 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 7299.00 / 11498.90 |
| All Time Low / High (₹) | 50.00 / 11498.90 |
| Market Cap (₹ Cr.) | 10,682 |
| Equity (₹ Cr.) | 11.3 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 27.8 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 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% |
| 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 |
| 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 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
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MoneyWorks4Me rates and ranks mutual funds based on the following data-driven system:
Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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