Check Before You Invest : BCL Enterprises Ltd

Snapshot

Q.1 Which industry/sub-sector does BCL Enterprises Ltd belong to?

BCL Enterprises Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q.2 Is BCL Enterprises Ltd a good quality company?

BCL Enterprises Ltd is a quality company, based on a 10-year financial track record.

Q.3 Is BCL Enterprises Ltd undervalued or overvalued?

BCL Enterprises Ltd appears Undervalued, as its key valuation ratios are below with their past averages.

Q.4 Is BCL Enterprises Ltd a good buy now?

BCL Enterprises Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Performance Analysis

Q.1 Total Income growth of BCL Enterprises Ltd?

BCL Enterprises Ltd Operating Income growth is 157.79% for FY-2025, which is above its 5-year CAGR of 58.87%, indicating faster growth.

Q.2 Return on Assets of BCL Enterprises Ltd?

BCL Enterprises Ltd Return on Asset is 4.6%, which is in line with its 5-year historical median of 4.6%, indicating stable earnings on assets.

	Current Level	5-year Historic Median
NPM%	10.34	10.34
PPOP%	-14.68	-14.68
RoA%	4.6	4.6

Q.3 Return on Equity (ROE) of BCL Enterprises Ltd?

BCL Enterprises Ltd Return on Equity is 5.3% for FY-2025, which is in line with its 5-year historical median of 5.3%, indicating the business is making similar use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of BCL Enterprises Ltd?

BCL Enterprises Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -14.68% for FY-2025, which is in line with its 5-year median(-14.68%), indicating stable margins.

Q.5 Net Profit Margin of BCL Enterprises Ltd?

BCL Enterprises Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 10.34% for FY-2025, which is in line with its 5-year median( 10.34%), indicating stable margins.

Q.6 Total Asset growth of BCL Enterprises Ltd?

BCL Enterprises Ltd Total Asset growth is -2.54% for FY-2025, which is below its 5-year CAGR of 17.77%, indicating slower growth.

Ownership & governance

Q.1 Promoter shareholding and pledge status of BCL Enterprises Ltd?

Promoters hold 3.15% of the BCL Enterprises Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of BCL Enterprises Ltd vs Industry Peers?

BCL Enterprises Ltd AUM CAGR is 17.77%, compared to the 5-year industry median CAGR of 9.9%, indicating faster growth and gaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of BCL Enterprises Ltd vs industry peers

BCL Enterprises Ltd profit metrics are in line with the industry median level of 7.31%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM%	10.34	15.95
PPOP%	-14.68	4.54
RoA%	4.6	1.45

Q.3 Operating efficiency of BCL Enterprises Ltd vs industry peers?

BCL Enterprises Ltd ROCE (5.1) is above the industry median of (4.4); while the current ROE (5.3) are above than the 5-year average Industry ROE (2.7). This shows that the business is positioned in the top quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM%	10.34	15.95
PPOP%	-14.68	4.54
RoA%	4.6	1.45
ROCE%	5.1	4.4
ROE%	5.3	2.7

Valuation & price assessment

Q.1 Valuation ratios of BCL Enterprises Ltdvs historical and industry averages?

The current Price to book ratio (P/B) 0.6% is lower than its historical median of 0.81%, indicating that at the current price the stock is undervalued. However, you need a deeper analysis to make a better judgement.

Q.2 Stock return of BCL Enterprises Ltd over the last decade?

Over the last 5 years, the stock has delivered a CAGR of 10.24% based on the current price.

Q.3 What return has the stock given over the last decade?

	9Y	5Y	3Y	1Y
Share Price CAGR	-	10.2%	-20.3%	-13.6%

Q.4 How do the current valuation ratios compare with 5-year historical median and industry numbers?

Valuation Ratios	Current	5-year Historic Median	5-year Industry Median
Price to Earnings	145.75	7.91	28.96
Price to Book	0.6	0.81	1.11
Price to Sales	6.1	14.45	9.10
EV to EBITDA	-53.34	1.62	11.77

Strategic outlook

Q.1 Does its ROIC exceed its WACC?

BCL Enterprises Ltd return on invested capital (ROIC) is 4.86% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

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