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10 Yrs X-Ray 
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About
Bengal & Assam Company Ltd (BENGALASM)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 533095 NSE: BENGALASM Finance - NBFC | Small Cap | Bengal & Assam Co Share Price
₹6,298.65 11.25 (0.18%)
As on 15-Sep'26 16:59
Bengal & Assam Company Ltd (BENGALASM)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 533095 NSE: BENGALASM Finance - NBFC | Small Cap | Bengal & Assam Co Share Price
₹6,298.65 11.25 (0.18%)
As on 15-Sep'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹7,183 Cr.
Current Price
₹6,298.7
52-Week Low / High
₹5,312 / 9,200
TTM EPS
₹668.6
Book Value per Share
₹9,432.2
P/E Ratio
9.42
Lower than its 5-year historical median
Industry PE
26.3
Price to Book (P/B)
0.67
Lower than its 5-year historical median
EV/EBITDA
15.54
Lower than its 5-year historical median
Dividend Yield
0.79%
Profitability Efficiency
Return on Equity (ROE)
2.78%
Outperforms industry median
Return on Capital Employed (ROCE)
3.95%
Underperforms industry median
Return on Assets (ROA)
2.39%
Outperforms industry median
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
91.65%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
3.1%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹1,345 Cr.
Reserves
₹10,745 Cr.
Equity
₹11.4 Cr.
Face Value
₹10
All Time Low / High
₹50.00 / 11498.90
Check Before You Invest
Quality
Not GoodValuation
Somewhat OvervaluedCheck Valuation charts
Price Trend
Semi Strong
Is Bengal & Assam Company Ltd a good quality company?
Bengal & Assam Company Ltd is a weak quality company, based on a inconsistent 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 Bengal & Assam Company Ltd performance compare with that of its Peers?
AUM Growth of Bengal & Assam Company Ltd vs Industry Peers?
Bengal & Assam Company Ltd AUM CAGR is -2.96%, compared to the 5-year industry median CAGR of 10.04%, indicating slower growth and losing its market share.
Promoter shareholding and pledge status of Bengal & Assam Company Ltd?
Promoters hold 72.87% of the Bengal & Assam Company Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Stock return of Bengal & Assam Company Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 19.4% based on the current price.
10 Year X-Ray :
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 endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
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.
Bengal & Assam Company Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 43.1 | 42.2 | 71 | 176 | 57.2 | 103 | 144 | 153 | 157 | 296 | 252 | |
| YoY Gr. Rt. % | - | -2.2% | 68.3% | 148.1% | -67.5% | 79.9% | 40% | 6.2% | 2.9% | 87.7% | - | |
| Adj EPS (₹ ) | 26.5 | 32.9 | 48.4 | 111 | 20.6 | 54.2 | 107.9 | 102.4 | 101.3 | 105 | 105.1 | |
| YoY Gr. Rt. % | - | 24% | 47.3% | 129.1% | -81.5% | 163.4% | 98.9% | -5.1% | -1.1% | 3.7% | - | |
| BVPS (₹ ) | 432.8 | 455.6 | 878.8 | 710.4 | 739.7 | 791.4 | 885.4 | 953.1 | 1,015.9 | 1,047.4 | 1,049.8 | |
| YoY Gr. Rt. % | - | 5.3% | 92.9% | -19.2% | 4.1% | 7% | 11.9% | 7.6% | 6.6% | 3.1% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 4.1 | 5.2 | 4.3 | 10 | 1.9 | 5.1 | 10.3 | 9.7 | 9.4 | 9.2 | 0 | |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 23.9% | 38.9% | 27.1% | 87.7% | ||||
| Adj EPS | 16.5% | 38.5% | -0.9% | 3.7% | ||||
| BVPS | 10.3% | 7.2% | 5.8% | 3.1% | ||||
| Share Price | 19.5% | 21.3% | 6.7% | -28.2% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | 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 (%) | 53.5 | 67.8 | 54.9 | 71.2 | 40.7 | 59.6 | 84.6 | 75.6 | 72.6 | 40.5 | 47.6 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 6.3 | 7.4 | 7.1 | 16.6 | 2.8 | 7.1 | 12.9 | 11.1 | 10.3 | 10.2 | 10 | |
Valuation of Bengal & Assam Co - Consolidated
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income + | 1,524 | 1,545 | 12,594 | 11,146 | 10,458 | 13,632 | 16,575 | 12,995 | 2,227 | 2,495 |
| Exceptional Items ⓘ | 39 | 37 | 86 | 35 | 57 | 56 | 84 | 78 | 99 | 118 |
| Expenditure ⓘ + | 1,353 | 1,437 | 12,095 | 10,875 | 9,862 | 13,156 | 15,847 | 11,782 | 1,839 | 2,109 |
| Exceptional Items ⓘ | 0 | 0 | -90 | -110 | 34 | 4 | -62 | 2,897 | 12 | -10 |
| Profit Before Tax ⓘ | 171 | 108 | 409 | 161 | 629 | 479 | 667 | 4,109 | 400 | 377 |
| Taxes ⓘ | 41 | 31 | 139 | -137 | 237 | 165 | 214 | 642 | 101 | 93 |
| Profit After Tax | 130 | 77 | 269 | 298 | 392 | 314 | 453 | 3,467 | 299 | 284 |
| Adjusted EPS (₹) | 377.2 | 231.3 | 448.7 | 402.9 | 450.1 | 555.7 | 830.1 | 3,445.5 | 648.3 | 722.0 |
| Dividend Payout Ratio (%) | 2.70% | 4.30% | 2.20% | 3.70% | 1.70% | 2.70% | 3% | 1.20% | 7.70% | 6.90% |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital + | 1,822 | 2,013 | 2,999 | 3,374 | 3,915 | 4,545 | 5,513 | 9,063 | 9,762 | 10,687 |
| Short term borrowings | 77 | 76 | 2,033 | 2,108 | 1,208 | 2,169 | 2,127 | 181 | 310 | 405 |
| Long Term Borrowings | 385 | 270 | 5,421 | 4,855 | 5,105 | 4,628 | 4,452 | 574 | 585 | 589 |
| Current Liabilities | 357 | 347 | 4,513 | 4,760 | 3,922 | 5,465 | 5,284 | 622 | 791 | 932 |
| Trade Payables | 87 | 86 | 1,784 | 1,853 | 1,782 | 2,410 | 2,019 | 170 | 189 | 251 |
| Other Liabilities | -164 | -162 | -3,814 | -3,961 | -2,991 | -4,579 | -4,146 | -350 | -499 | -656 |
| Total Liabilities ⓘ | 2,637 | 2,777 | 14,211 | 14,300 | 14,443 | 16,226 | 17,226 | 10,437 | 11,336 | 12,426 |
Assets | ||||||||||
| Non Current Asset + | 2,181 | 2,430 | 8,893 | 9,275 | 9,428 | 9,751 | 10,802 | 8,986 | 9,572 | 10,446 |
| Current Asset + | 456 | 347 | 5,318 | 5,025 | 5,015 | 6,475 | 6,424 | 1,452 | 1,764 | 1,980 |
| Total Assets ⓘ | 2,637 | 2,777 | 14,211 | 14,300 | 14,443 | 16,226 | 17,226 | 10,437 | 11,336 | 12,426 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | 113 | 102 | 993 | 1,500 | 1,775 | 351 | 1,437 | 1,817 | 294 | 252 |
| Cash Flow From Investing Activity ⓘ | 54 | -163 | -367 | -336 | -201 | -188 | -650 | -1,260 | -286 | -202 |
| Cash Flow From Financing Activity ⓘ | -172 | 64 | -567 | -1,195 | -1,542 | -144 | -778 | -590 | 39 | -30 |
| Net Cash Flow ⓘ | -5 | 3 | 59 | -30 | 31 | 18 | 9 | -33 | 48 | 21 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios | ||||||||||
| EPS (₹) | 377.20 | 231.30 | 448.70 | 402.90 | 450.10 | 555.70 | 830.10 | 3,445.50 | 648.30 | 722 |
| DPS (₹) | 10 | 10 | 10 | 15 | 7.50 | 15 | 25 | 40 | 50 | 50 |
| BVPS (₹) | 2098 | 2318.5 | 3731.6 | 2986.9 | 3465.7 | 4023.2 | 4880.7 | 8023.1 | 8641.4 | 9371.5 |
Performance Ratios | ||||||||||
| ROA (%) | 5.2 | 2.8 | 3.2 | 2.1 | 2.7 | 2.1 | 2.7 | 25.1 | 2.8 | 2.4 |
| ROE (%) | 7.8 | 4.0 | 10.8 | 9.4 | 10.8 | 7.4 | 9.0 | 47.6 | 3.2 | 2.8 |
| ROCE (%) | 10.6 | 6.5 | 16.6 | 8.1 | 12.3 | 9.7 | 11.1 | 44.3 | 4.5 | 4.0 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.8 | 0.9 | 0.5 | 0.4 | 0.4 | 0.6 | 0.8 | 1.1 | 0.8 | 0.6 |
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Bengal & Assam Company Ltd FAQs
The current trading price of Bengal & Assam Co on 15-Sep-2026 16:59 is ₹6,298.7.
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 14-Sep-2026 the market cap of Bengal & Assam Co stood at ₹7,182.9 Cr
The latest P/E ratio of Bengal & Assam Co as of 14-Sep-2026 is 59.96.
The latest P/B ratio of Bengal & Assam Co as of 14-Sep-2026 is 6.00.
The 52-week high of Bengal & Assam Co is ₹9,200 and the 52-week low is ₹5,312.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Bengal & Assam Co is ₹252 ( Cr.) .
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 Somewhat overvalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Bengal & Assam Company Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
About Bengal & Assam Company Ltd
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
- Fenner (India)
- Southern Spinners & Processors
- Modern Cotton Yarn Spinners
- Panchmahal Properties
- LVP Foods
- Dwarkesh Energy
- Acorn Engineering
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