Check Before You Invest : Bharat Bhushan Finance & Commodity Brokers Ltd

Q: Which industry/sub-sector does Bharat Bhushan Finance & Commodity Brokers Ltd belong to?

Bharat Bhushan Finance & Commodity Brokers Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.

Q: Is Bharat Bhushan Finance & Commodity Brokers Ltd a good quality company?

Bharat Bhushan Finance & Commodity Brokers Ltd is a quality company, based on a multi-year financial track record. This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q: Is Bharat Bhushan Finance & Commodity Brokers Ltd undervalued or overvalued?

Bharat Bhushan Finance & Commodity Brokers Ltd appears Somewhat overvalued, as its key valuation ratios are higher than their past averages. Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more. Valuation Ratios. Price to Earnings, Current: 52.71, Historic Median: 69.97. Price to Book, Current: 0.63, Historic Median: 0.52. Price to Sales, Current: 23.75, Historic Median: 19.21. EV to EBITDA, Current: 46.29, Historic Median: 51.03

Q: Is Bharat Bhushan Finance & Commodity Brokers Ltd a good buy now?

Bharat Bhushan Finance & Commodity Brokers 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

Q: Total Income growth of Bharat Bhushan Finance & Commodity Brokers Ltd?

Bharat Bhushan Finance & Commodity Brokers Ltd Operating Income growth is -58.56% for FY-2025, which is below its 5-year CAGR of -12.37%, indicating slower growth.

Q: Return on Assets of Bharat Bhushan Finance & Commodity Brokers Ltd?

Bharat Bhushan Finance & Commodity Brokers Ltd Return on Asset is -0.5%, which is below its 5-year historical median of 0.5%, indicating deteriorated earnings on assets. Efficiency & Key Metrics. NPM (%), Current: -44.17, Historic Median: 19.81. PPOP (%), Current: -131.25, Historic Median: -29.63. RoA (%), Current: -0.5, Historic Median: 0.5

Q: Return on Equity (ROE) of Bharat Bhushan Finance & Commodity Brokers Ltd?

Bharat Bhushan Finance & Commodity Brokers Ltd Return on Equity is -0.5% for FY-2025, which is below its 5-year historical median of 0.5%, indicating the business is making worse use of its shareholders capital.

Q: Pre-provisioning operating profit margin of Bharat Bhushan Finance & Commodity Brokers Ltd?

Bharat Bhushan Finance & Commodity Brokers Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -131.25% for FY-2025, which is below its 5-year median(-29.63%), indicating decreasing margins.

Q: Net Profit Margin of Bharat Bhushan Finance & Commodity Brokers Ltd?

Bharat Bhushan Finance & Commodity Brokers 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 -44.17% for FY-2025, which is below its 5-year median( 19.81%), indicating decreasing margins.

Q: Does its ROIC exceed its WACC?

Bharat Bhushan Finance & Commodity Brokers Ltd return on invested capital (ROIC) is -0.54% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

Check Before You Invest : Bharat Bhushan Finance & Commodity Brokers Ltd

BSE: 511501 NSE: ISIN: INE900A01013

| Sector: BFSI | Industry: Finance - Investment

Snapshot

Q.1 Which industry/sub-sector does Bharat Bhushan Finance & Commodity Brokers Ltd belong to?

Bharat Bhushan Finance & Commodity Brokers Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.

Q.2 Is Bharat Bhushan Finance & Commodity Brokers Ltd a good quality company?

Bharat Bhushan Finance & Commodity Brokers Ltd is a quality company, based on a multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q.3 Is Bharat Bhushan Finance & Commodity Brokers Ltd undervalued or overvalued?

Bharat Bhushan Finance & Commodity Brokers Ltd appears Somewhat overvalued, as its key valuation ratios are higher than their past averages.

Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more.

Valuation Ratios	Current	5-year Historic Median
Price to Earnings	52.71	69.97
Price to Book	0.63	0.52
Price to Sales	23.75	19.21
EV to EBITDA	46.29	51.03

Q.4 Is Bharat Bhushan Finance & Commodity Brokers Ltd a good buy now?

Bharat Bhushan Finance & Commodity Brokers 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

We have analysed the performance of the company on the following:

How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

A: What are the trends in income and profitability?

Q.1 Total Income growth of Bharat Bhushan Finance & Commodity Brokers Ltd?

Bharat Bhushan Finance & Commodity Brokers Ltd Operating Income growth is -58.56% for FY-2025, which is below its 5-year CAGR of -12.37%, indicating slower growth.

Q.2 Return on Assets of Bharat Bhushan Finance & Commodity Brokers Ltd?

Bharat Bhushan Finance & Commodity Brokers Ltd Return on Asset is -0.5%, which is below its 5-year historical median of 0.5%, indicating deteriorated earnings on assets.

	Current Level	5-year Historic Median
NPM (%)	-44.17	19.81
PPOP (%)	-131.25	-29.63
RoA (%)	-0.5	0.5

Q.3 Return on Equity (ROE) of Bharat Bhushan Finance & Commodity Brokers Ltd?

Bharat Bhushan Finance & Commodity Brokers Ltd Return on Equity is -0.5% for FY-2025, which is below its 5-year historical median of 0.5%, indicating the business is making worse use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Bharat Bhushan Finance & Commodity Brokers Ltd?

Bharat Bhushan Finance & Commodity Brokers Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -131.25% for FY-2025, which is below its 5-year median(-29.63%), indicating decreasing margins.

Q.5 Net Profit Margin of Bharat Bhushan Finance & Commodity Brokers Ltd?

Bharat Bhushan Finance & Commodity Brokers 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 -44.17% for FY-2025, which is below its 5-year median( 19.81%), indicating decreasing margins.

Q.6 Does its ROIC exceed its WACC?

Bharat Bhushan Finance & Commodity Brokers Ltd return on invested capital (ROIC) is -0.54% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

B: Does the bank grow efficiently and manage its operating costs?

Q.7 Total Asset growth of Bharat Bhushan Finance & Commodity Brokers Ltd?

Bharat Bhushan Finance & Commodity Brokers Ltd Total Asset growth is -1.41% for FY-2025, which is below its 5-year CAGR of 11.97%, indicating slower growth.

Ownership & governance

D: Promoter shareholding and pledge status of Bharat Bhushan Finance & Commodity Brokers Ltd?

Q.1 Promoter shareholding and pledge status of Bharat Bhushan Finance & Commodity Brokers Ltd?

Promoters hold 64.06% of the Bharat Bhushan Finance & Commodity Brokers Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Bharat Bhushan Finance & Commodity Brokers Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Bharat Bhushan Finance & Commodity Brokers Ltd vs Industry Peers?

Bharat Bhushan Finance & Commodity Brokers Ltd AUM CAGR is 11.97%, compared to the 5-year industry median CAGR of 9.08%, indicating faster growth and gaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Bharat Bhushan Finance & Commodity Brokers Ltd vs industry peers

Bharat Bhushan Finance & Commodity Brokers Ltd profit metrics are in line with the industry median level of -1.22%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM (%)	-44.17	3.22
PPOP (%)	-131.25	-7.69
RoA (%)	-0.5	0.8

Q.3 Operating efficiency of Bharat Bhushan Finance & Commodity Brokers Ltd vs industry peers?

Bharat Bhushan Finance & Commodity Brokers Ltd ROCE (0.7) is below the industry median of (1.8); while the current ROE (0.5) are below than the 5-year average Industry ROE (0.9). This shows that the business is positioned in the bottom quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM (%)	-44.17	3.22
PPOP (%)	-131.25	-7.69
RoA (%)	-0.5	0.8
ROCE (%)	-0.6	1.8
ROE (%)	-0.5	0.9

Valuation & price assessment

Q.1 Stock return of Bharat Bhushan Finance & Commodity Brokers Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 13.9% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	13.9%	18.4%	21.5%	-8.4%

Q.2 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	52.71	69.97	33.75
Price to Book	0.63	0.52	0.95
Price to Sales	23.75	19.21	12.43
EV to EBITDA	46.29	51.03	10.00

Q.3 Valuation ratios of Bharat Bhushan Finance & Commodity Brokers Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of 0.63 is higher than its historical median of 0.52, indicating that the stock is trading above its historical average valuation.

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Check Before You Invest : Bharat Bhushan Finance & Commodity Brokers Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

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