Bengal & Assam

Bengal & Assam Company Ltd.

BSE: 533095 SECTOR: Finance - NBFC  9656   38   1

4785.80
+35.90 (0.76%)
BSE: Today, 05:10 PM

Price Summary

Today's High

₹ 4949

Today's Low

₹ 4770

52 Week High

₹ 5099

52 Week Low

₹ 0

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 5406.2 Cr.

Advances

₹ 0 Cr.

No. of Shares

1.13 Cr.

P/E

44.37

P/B

5.41

Face Value

₹ 10

Div. Yield

0.52 %

Book Value (TTM)

₹  885.43

Operating Revenue

₹ 102.86 Cr.

Net Profit

₹ 61.28 Cr.

Promoter Holding

72.66 %

EPS (TTM)

₹  107.87

Sales Growth

79.86

ROE

7.09 %

ROCE

8.58%

Profit Growth

163.44 %

Add Your Ratio

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year79.86%
3 Year13.18%
5 Year19%

Profit Growth

1 Year163.44%
3 Year16.33%
5 Year21.61%

ROE%

1 Year7.09%
3 Year8.85%
5 Year8.2%

ROCE %

1 Year8.58%
3 Year9.03%
5 Year8.48%

ROA%

5.04664307907039

PEG Ratio

0.27

PAT Margin (%)

59.5697210380747

EPS Growth(%)

163.441392875355

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2023 72.66 0
Dec 2022 72.66 0
Sep 2022 72.66 0
Jun 2022 72.66 0
Mar 2022 72.66 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 18.8985150845447%.
  • Company has maintained a good ROA of 5.61611847268036% in last 3 years.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 13.1780903473155%.
  • Promoters shareholding is 72.66%.

 Limitations

 Looks like the company does not have any serious limitations.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023
Operating Revenue 10.72 1.66 97.26 2.17 42.94
Other Income 1.83 1.78 2.78 1.89 22.77
Interest Expended 4.9 4.73 4.43 3.74 3.68
Operating Expenses 2.19 1.19 3.38 1.49 2.34
Total Provisions 0 0 0 0 0
Depreciation 0.17 0.15 0.15 0.17 0.13
Profit Before Tax 5.29 -2.63 92.09 -1.33 59.57
Tax 0.77 0.43 16.3 0.58 8.53
Net Profit 4.52 -3.06 75.78 -1.9 51.03

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Operating Income 42.15 70.95 176.05 57.19 102.86
Other Income 5.93 5.8 7.15 7.23 7.51
Interest 13.26 29.89 43.05 33.61 26.43
Operating Expenses 3.36 3.91 7.19 4.93 5.62
Total Provisions 3.06 4.46 3.02 2.27 2.09
Exceptional Items 0 0 0 0 0
Profit Before Tax 28.4 38.49 129.94 23.61 76.23
Tax -0.16 -0.43 4.59 0.35 14.95
Profit After Tax 28.56 38.93 125.36 23.26 61.28
Adjusted EPS (Rs.) 32.89 48.43 110.97 20.59 54.24

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Equity and Liabilities
Share Capital 8.68 8.04 11.3 11.3 11.3
Total Reserves 386.97 701.46 791.22 824.31 882.71
Borrowings 66.5 547.01 431.92 403.77 260.18
Other N/C liabilities 2.3 8.48 9.59 10.57 10.42
Current liabilities 61.41 4.36 7.29 5.82 7.98
Total Liabilities 525.86 1269.35 1251.32 1255.78 1172.59
Assets
Loans 0 0 0 0 0
Net Block 17.03 26.33 25.49 24.67 24.01
Capital WIP 2.26 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 450.08 1184.28 1187.77 1199.88 1136.4
Other Loans 13.86 3.47 0.12 0.12 0.12
Other N/C Assets 0 19.46 17.07 14.69 2.73
Current Assets 42.64 35.82 20.87 16.42 9.33
Total Assets 525.86 1269.35 1251.32 1255.78 1172.59
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2022% Jun 2022% Sep 2022% Dec 2022% Mar 2023%
Promoters 72.66 72.66 72.66 72.66 72.66
hari shankar singh... 9.64 9.64 9.64 9.64 9.64
raghupati singhania 21.32 21.32 21.32 21.32 21.32
bharat hari singha... 13.11 13.11 13.11 13.11 13.11
anshuman singhania... 10.07 10.07 9.06 10.07 10.07
anshuman singhania... - - - - -
florence investech... 7.45 7.45 7.45 7.45 7.45
harsh pati singhan... 3.01 3.01 3.01 3.01 3.01
vikrampati singhan... 3.01 3.01 3.01 3.01 3.01
vikrampati singhan... - - - - -
harsh pati singhan... - - - - -
j.k. credit & fina... 0.17 0.17 0.17 0.17 0.17
bharat hari singha... 1.77 1.77 1.77 1.77 1.77
nav bharat vanijya... 0.67 0.67 0.67 0.67 0.67
vinita singhania 1.25 1.25 1.25 1.25 1.25
accurate finman se... 0.89 0.89 0.89 0.89 0.89
sidhivinayak tradi... - - - - -
juggilal kamlapat ... 0.76 0.76 0.76 0.76 0.76
harsh pati singhan... 0.37 0.37 0.37 0.37 0.37
vikrampati singhan... 0.40 0.40 0.40 0.40 0.40
anshuman singhania 0.25 0.25 0.25 0.25 0.25
shrivats singhania 0.24 0.24 0.24 0.24 0.24
pranav investment ... 0.18 0.18 0.18 0.18 0.18
raghupati singhani... 0.07 0.07 0.07 0.07 0.07
raghupati singhani... - - - - -
sharda singhania 0.01 0.01 0.01 0.01 0.01
sunanda singhania 0.16 0.16 0.16 0.16 0.16
jk tyre & industri... 0.13 0.13 0.13 0.13 0.13
chaitanya hari sin... - - - - -
pranav hari singha... - - - - -
shridhar hari sing... - - - - -
param shubham vani... 0.02 0.02 0.02 0.02 0.02
PARTICULARS Mar 2022% Jun 2022% Sep 2022% Dec 2022% Mar 2023%
Investors 27.34 27.34 27.34 27.34 27.34
edgefield securiti... 2.34 2.34 2.34 2.34 2.34
a.k. kinra as trus... 2.08 2.08 2.41 2.08 2.08
life insurance cor... 2.38 2.38 2.38 2.38 2.38
cassini partners, ... - - - - -
ashok kumar kinra ... - - - - -
henry f. cockill &... - - - - -
habrok india maste... - - - - -
sanjiv dhireshbhai... - - - - -
investor education... - - - - -
iepf 0.44 0.45 - 0.41 0.41
custodian/custodia... 0.01 - - - 0.01
custodian/custodia... - - 0.01 - -

Annual Reports

Ratings & Research Reports

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Company Presentations

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Bengal & Assam Stock Price Analysis and Quick Research Report. Is Bengal & Assam an attractive stock to invest in?

 

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the Bengal & Assam better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 61.2755 Cr and the compounded growth of profit in the past 3 years is 16.3274148562675 %. The PAT margin of Bengal & Assam is 59.5697210380747 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Bengal & Assam , the EPS grew by 163.441392875355 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a poor ROE track record. The ROE of Bengal & Assam is at 7.08545006174496 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Bengal & Assam is worth at the current levels at Rs 4805. The stock is trading at a current P/E ratio of 43.4509686803493 and the average historical P/E for the last 5 years was 44.0249207666338.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Bengal & Assam is trading at a P/B of 5.3645 . The average historical P/B for the last 5 years was 2.61560741574775. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about Bengal & Assam

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