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Banas Finance Ltd (509053)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 509053 NSE: Finance - NBFC | Small Cap | Banas Finance Share Price

₹7.01 0.20 (2.94%)

As on 10-Jun'26 16:59

Banas Finance Ltd (509053)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 509053 NSE: Finance - NBFC | Small Cap | Banas Finance Share Price

₹7.01 0.20 (2.94%)

As on 10-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹63 Cr.
Current Price
₹7
52-Week Low / High
₹5 / 10
TTM EPS
₹0.7
Book Value per Share
₹15.1
P/E Ratio
9.48
Higher than its 5-year historical median
Industry PE
25.3
Price to Book (P/B)
0.46
Lower than its 5-year historical median
EV/EBITDA
4.34
Higher than its 5-year historical median
Dividend Yield
0.00%
Profitability Efficiency
Return on Equity (ROE)
-15.96%
Return on Capital Employed (ROCE)
-22.62%
Return on Assets (ROA)
-15.66%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
-1.18%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
-21.49%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹3.5 Cr.
Reserves
₹46 Cr.
Equity
₹89.6 Cr.
Face Value
₹10
All Time Low / High
₹0.37 / 465.23

Banas Finance stock performance

Key Ratios
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M-Cap below 100cr DeciZen not available

Q.1 Is Banas Finance Ltd a good quality company?
Banas Finance 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.

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.

How does Banas Finance Ltd performance compare with that of its Peers?
Q.1 AUM Growth of Banas Finance Ltd vs Industry Peers?
Banas Finance Ltd AUM CAGR is 12.4%, compared to the 5-year industry median CAGR of 9.68%, indicating faster growth and gaining its market share.
Q.1 Promoter shareholding and pledge status of Banas Finance Ltd?
Promoters hold 26.58% of the Banas Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of Banas Finance Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 1% based on the current price.

10 Year X-Ray : Login to view analysis.

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.
Banas Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)8.19.54.213.56.25.311.917.743.442.93
YoY Gr. Rt. %-18%-56%220.3%-53.9%-14.1%123.7%48.7%145%-1.3%-
Adj EPS (₹ ) -1.9-2.90.1-3.112.817.4-8.60.4-2.90.7
YoY Gr. Rt. %-NANA-4514.3%NA181%518.9%-149.3%NA-922.9%-
BVPS (₹ )19.716.816.936.937.823.240.623.824.21915.1
YoY Gr. Rt. %--14.7%0.4%118.6%2.6%-38.8%75.1%-41.4%1.5%-21.5%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)-6.1-10.40.3-8.6211.647.8-341.5-15.70

CAGR

9 Years 5 Years 3 Years 1 Years
Net Interest Income20.4%47.2%53.2%-1.3%
Adj EPSNA-223.6%-154.9%-922.9%
BVPS-0.4%-12.9%-22.4%-21.5%
Share Price 4% 5.2% -20.2% -17.5%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
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 (%)-40.8-53.92.8-40.728.6210.5582-3095.2-60.3191
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)-9-15.90.4-11.52.714.154.6-34.91.5-164.9

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 8.099.564.2813.868.9514.90102.7120.8876.1843.48
Interest Income8.089.544.2013.456.205.3311.9217.7243.4342.87
Other Income 2.771.081.9211.493.793.761.6599.237.4040.04
Exceptional Items 0.010.020.080.412.759.5790.793.1632.750.62
Expenditure + 11.2614.704.1421.116.815.3511.07120.5742.5580.93
Interest Expense 1.031.840.010.420.510.250.110.100.090.04
Operating Expenses 7.4611.782.219.202.511.349.3221.2535.0640.85
Provisions 2.771.081.9211.493.793.761.6599.237.4040.04
Exceptional Items 0000000000
Profit Before Tax -3.17-5.140.14-7.252.149.5591.64-99.6933.63-37.45
Taxes 0.13-00.02-1.770.37-1.6722.27-44.9331.38-11.61
Profit After Tax -3.30-5.140.12-5.471.7711.2269.37-54.762.25-25.84
Adjusted EPS (₹)-1.9-2.90.1-3.11.02.817.4-8.60.4-2.9
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Valuation of Banas Finance - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +34.8529.7229.8365.2166.9392.42161.79151.82154.07169.80
Share Capital 11.3811.3811.3811.3811.3825.6525.6548.0548.0589.58
Reserves 23.4818.3418.4653.8355.5566.77136.14103.77106.0280.23
Short term borrowings20.196.884.859.6610.6111.206.906.516.050.86
Long Term Borrowings-0.01-0.01-0.01-0.68-0.33-2.0819.68-25.305.45-6.35
Current Liabilities 23.1210.758.7910.1110.7611.296.926.866.180.96
Trade Payables000.010.380.070.080.020.030.120.08
Other Liabilities-20.19-6.88-4.874.233.59-11.29-6.92-6.54-6.17-0.94
Total Liabilities 57.9740.4538.6188.9191.63101.63188.38133.38165.70164.41

Assets

Non Current Asset +0.020.020.881.792.081.981.822.212.202.17
Loan Asset 0000000000
Other Non Current Asset 0.020.020.881.792.081.981.822.212.202.17
Current Asset +57.9440.4337.7487.1389.5599.65186.56131.17163.50162.24
Current Investment001.5515.2820.6444.44138.4388.45110.12124.98
Other Current Asset57.9440.4336.1871.8568.9155.2148.1342.7153.3737.25
Total Assets 57.9740.4538.6188.9191.63101.63188.38133.38165.70164.41

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity -0.521.863.724.175.919.0219.69-0.83-5.51-0.24
Cash Flow From Investing Activity 00-1.48-0.73-3.50-15.34-5.58-49.197.62-38.52
Cash Flow From Financing Activity -1.01-1.83-2.03-0.360.440.34-4.4244.31-0.5536.30
Net Cash Flow -1.530.030.203.082.85-5.989.70-5.701.57-2.46

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios

EPS (₹)-0.30-0.500.10-4.801.604.4027-11.400.50-2.90
DPS (₹)0000000000
BVPS (₹)3.12.626.257.358.83663.131.632.119

Performance Ratios

ROA (%)-6.1-10.40.3-8.62.011.647.8-34.01.5-15.7
ROE (%)-9.0-15.90.4-11.52.714.154.6-34.91.5-16.0
ROCE (%)-4.1-7.20.4-11.02.910.067.4-60.921.2-22.6

Valuation Parameters

Price/Book(x)0.50.20.20.10.00.20.80.30.40.4

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Banas Finance Ltd FAQs

The current trading price of Banas Finance on 10-Jun-2026 16:59 is ₹7.01.

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 09-Jun-2026 the market cap of Banas Finance stood at ₹62.79 Cr

The latest P/E ratio of Banas Finance as of 09-Jun-2026 is 9.48.

The latest P/B ratio of Banas Finance as of 09-Jun-2026 is 0.46.

The 52-week high of Banas Finance is ₹10.32 and the 52-week low is ₹5.01.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Banas Finance is ₹3.47 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Banas Finance Ltd is a below average quality company.

The key valuation ratios of Banas Finance Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Banas Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

About Banas Finance Ltd

Banas Finance was incorporated on June 6, 1983, as Pioneer Leasing Company. With the object of Finance & Investment related activities. The name of the company had been changed from Pioneer Leasing Company to Banas Finance with effect from August 28, 1986.

This BSE listed company is managed by the board of directors comprising persons with good business and commercial experience headed by Girraj Kishor Agrawal, who is professionally a Chartered Accountant, who is looking after the Finance and Administration. Besides the members of the Board, the company have a team of professionals having vast experience in Management, Technical, Finance and operation.

Business area of the company

The company is engaged in finance, Share Trading, Investments, Consultancy and having interest in Realty business which is fast growing.

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About MoneyWorks4Me

MoneyWorks4Me is a SEBI-registered Investment Adviser (IA) dedicated to helping investors build long-term wealth through transparent, research-driven, conflict-free guidance. Founded in 2008, we started our journey as a Research Analyst (RA), providing deep fundamental analysis, intrinsic value insights, and long-term investing frameworks for Indian equities. In 2017, we transitioned to a full-fledged SEBI-registered Investment Adviser, strengthening our commitment to acting as a fiduciary—always putting the investor’s interest first.

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