Bengal & Assam - Stock Price, Analysis, Financials & Key Insights

Market Cap

8,506.20 Cr

EPS

3,444.99

PE Ratio

10.48

Dividend Yield

0.53 %

Industry

Financial Services

52 Week High

11,498.90

52 Week Low

6,220.00

PB Ratio

0.90

Debt to Equity

0.38

Sector

NBFC

Investment Returns

In Long Term

In Short Term

1 Year

0.00%

2 Years

0.00%

3 Years

0.00%

4 Years

0.00%

5 Years

0.00%

Peer Comparison Compare Peers on Screener

Competitors	LTP	Market Cap (₹ Cr.)	P/E Ratio	Revenue (₹ Cr.)	YoY Revenue Growth %	Net Profit (₹ Cr.)	YoY Profit Growth %	RSI
Bajaj Finance	9,243.50	#1 5,72,984.80	34.51	#1 54,982.50	32.75	#1 14,451	18.85	56.95
Jio Financial Services	281.75	1,78,999.80	110.93	1,854.70	#1 4,039.96	1,605	1.77	69.35
Cholamandalam Investment	1,628.00	1,36,901.20	32.10	19,419.90	48.18	3,411	18.24	58.54
Shriram Finance	659.85	1,24,077.10	14.94	36,413.00	19.35	7,391	6.06	52.97
SBI Cards	897.70	85,403.00	44.56	17,483.50	22.39	2,408	-19.35	52.31
Muthoot Finance	2,090.00	83,906.00	15.73	15,162.70	26.62	4,468	#1 22.13	43.07
Sundaram Finance	5,276.50	58,624.00	35.36	7,285.50	31.41	1,422	-9.94	59.39
Authum Inv & Infr	2,223.40	37,763.40	#1 8.89	2,611.20	381.77	4,285	14.67	72.84
M&M Financial Services	256.10	35,597.20	15.75	15,970.30	24.45	1,943	-31.97	47.75
Poonawalla Fincorp	397.00	30,887.00	173.32	3,147.30	56.71	1,652	-81.22	60.64

Forecast

Actual

Growth Rate

Revenue Growth

-21.61 %

Net Income Growth

665.70 %

Cash Flow Change

26.44 %

ROE

520.17 %

ROCE

364.83 %

EBITDA Margin (Avg.)

48.76 %

Quarterly Financial Results

Quarterly Financials	Jun 2018	Sept 2018	Dec 2018	Mar 2019	Jun 2019	Sept 2019	Dec 2019	Mar 2020	Jun 2020	Sept 2020	Dec 2020	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024	Sept 2024	Dec 2024
Revenue	489	513	485	11,293	3,295	2,812	2,794	2,226	1,456	2,650	3,234	3,484	3,142	3,437	3,591	3,893	4,351	4,350	4,198	4,304	4,437	4,393	6,875	551	545	614	529
Expenses	383	394	383	10,082	2,873	2,445	2,467	1,923	1,410	2,181	2,547	2,835	2,677	3,002	3,165	3,445	3,849	3,870	3,633	3,622	3,710	3,700	3,224	413	445	432	421
EBITDA	106	120	102	1,210	421	366	327	303	46	469	687	649	465	435	425	449	502	480	565	682	727	694	3,651	139	100	181	108
Operating Profit %	9 %	16 %	9 %	10 %	10 %	12 %	10 %	11 %	1 %	15 %	18 %	15 %	11 %	11 %	9 %	7 %	8 %	8 %	9 %	12 %	13 %	15 %	15 %	21 %	16 %	27 %	14 %
Depreciation	11	11	10	335	106	104	97	116	107	107	109	105	107	107	106	108	112	110	114	120	120	122	114	17	17	17	17
Interest	10	9	8	546	158	154	149	148	141	133	115	115	117	115	108	109	107	117	129	135	129	119	106	10	10	10	11
Profit Before Tax	85	100	83	329	158	109	81	39	-202	229	463	429	241	212	212	232	283	253	322	427	478	452	3,431	111	73	154	80
Tax	10	13	11	105	23	-136	5	-29	-47	67	125	91	48	59	41	17	39	43	50	82	100	15	369	-205	-183	27	-61
Net Profit	75	87	72	224	135	245	76	67	-156	162	338	337	193	153	171	215	244	210	272	345	378	437	3,062	317	256	128	140
EPS in ₹	84.39	95.95	62.72	117.88	105.78	153.13	59.94	84.09	-58.92	100.44	199.62	213.56	143.60	111.34	128.55	172.26	195.56	168.24	212.38	253.92	263.66	283.68	2,622.07	275.57	219.90	113.29	2,622.07

Show % Change

Above figures are in Rs. Crores

Balance Sheet

Balance Sheet	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	2,006	2,294	2,591	2,777	14,282	14,402	14,512	16,333	17,360	10,471
Fixed Assets	355	377	366	391	6,701	6,810	6,647	6,841	6,932	461
Current Assets	254	300	410	347	5,372	5,104	5,041	6,501	6,460	864
Capital Work in Progress	9	3	20	11	287	295	328	136	232	23
Investments	0	0	0	2	1,819	2,085	2,423	2,749	3,602	9,090
Other Assets	1,641	1,914	2,205	2,373	5,475	5,212	5,114	6,607	6,594	897
Total Liabilities	2,006	2,294	2,591	2,777	14,282	14,402	14,512	16,333	17,360	10,471
Current Liabilities	321	319	311	347	4,831	5,143	4,561	5,901	5,587	660
Non Current Liabilities	346	390	385	270	5,175	4,574	4,535	4,298	4,283	569
Total Equity	1,338	1,585	1,894	2,160	4,276	4,685	5,416	6,134	7,490	9,241
Reserve & Surplus	1,274	1,514	1,813	2,005	2,991	3,363	3,904	4,533	5,502	9,044
Share Capital	9	9	9	9	11	11	11	11	11	11

Show % Change

Above figures are in Rs. Crores

Cash Flow

Cash Flow	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Cash Flow	1	4	-5	3	58	-39	37	19	12	-165
Investing Activities	-105	-102	55	-163	-368	-348	-177	-188	-647	-1,392
Operating Activities	110	144	113	102	993	1,499	1,780	351	1,437	1,817
Financing Activities	-3	-37	-172	64	-567	-1,191	-1,567	-144	-778	-590

Show % Change

Above figures are in Rs. Crores

Share Holding

% Holding	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024	Sept 2024	Dec 2024	Mar 2025
Promoter	72.66 %	72.66 %	72.66 %	72.66 %	72.66 %	72.66 %	72.66 %	72.66 %	72.66 %	72.66 %	72.66 %	73.01 %	73.01 %	73.01 %	73.01 %	73.01 %	73.01 %
FIIs	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	4.31 %	4.31 %	4.31 %	4.55 %	4.57 %	4.55 %
DIIs	1.65 %	1.11 %	0.52 %	0.50 %	0.50 %	0.50 %	0.37 %	0.07 %	0.06 %	0.01 %	0.01 %	0.01 %	0.01 %	0.01 %	0.01 %	0.01 %	0.01 %
Government	0.12 %	0.09 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %
Public / Retail	12.92 %	13.17 %	13.75 %	13.92 %	11.14 %	10.92 %	11.19 %	11.11 %	11.22 %	11.27 %	11.07 %	11.23 %	11.37 %	11.42 %	11.38 %	11.36 %	11.35 %
Others	12.65 %	12.97 %	13.07 %	12.92 %	15.70 %	15.92 %	15.78 %	16.16 %	16.07 %	16.06 %	16.26 %	11.44 %	11.29 %	11.24 %	11.04 %	11.04 %	11.07 %
No of Share Holders	24,624	24,792	24,352	23,643	22,984	22,665	22,345	21,602	21,435	20,792	20,629	20,819	21,019	21,021	21,119	20,339	20,231

Show % Change

Dividend History

Dividends per share (FY)

Dividend yield (FY) %

Dividends per share (FY)

Dividend yield (FY) %

Annual Cash Flows	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Dividend Per Share (₹)	0.00	10	10	10	15	7.5	15	25	40	0.00
Dividend Yield (%)	0.00	0.48	0.58	0.83	1.09	0.32	0.43	0.29	0.55	0.00

Corporate Action

Record Date	Corporate Action	Information	Announcement Day	LTP at Annoucement	LTP at Record Day
29 May 2025	Quarterly Result Announcement	NA	29 May 2025	7,527.80	7,530.05
14 Feb 2025	Quarterly Result Announcement	NA	14 Feb 2025	8,480.15	8,100.00
11 Nov 2024	Quarterly Result Announcement	NA	11 Nov 2024	10,061.15	9,979.85
27 Sept 2024	Extraordinary General Meeting	NA	27 Sept 2024	9,142.00	9,000.50
19 Sept 2024	Annual General Meeting	NA	19 Sept 2024	9,946.50	9,744.50
13 Sept 2024	Dividend	₹ 40.00 /share	12 Sept 2024	8,281.15	9,936.20
06 Sept 2023	Dividend	₹ 25.00 /share	05 Sept 2023	4,567.00	5,117.90
02 Sept 2022	Dividend	₹ 15.00 /share	30 Aug 2022	2,368.85	2,798.70
01 Sept 2021	Dividend	₹ 7.50 /share	30 Aug 2021	1,555.55	2,204.25