Bengal & Assam Company Limited
₹5,673.85-₹15.25 (-0.3%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹7,453 Cr
- P/E
- 60.9x
- EV / EBITDA
- 50.7x
- Revenue
- ₹159 Cr
- Net margin
- 75.8%
- ROCE
- 10.6%
Price chart
Technical chartScreen technicals →-27.6% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -7.6%
- 3M
- -8.5%
- 6M
- -10.6%
- 1Y
- -27.6%
- 5Y
- +165.4%
52-week range
Day change -₹15.25 (-0.3%) from ₹5,689 to ₹5,674 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in BENGALASM, bought on each weekday since 2021.
AI Summary
Indian StockStrengths1
- Maintains healthy dividend payout of 39.0%
Concerns1
- Low return on equity of 9.9%
Rule-based from financial data. Not advice.
About the company
Bengal & Assam Company Limited operates as an investment company in India and internationally. The company is involved in investment in securities. Bengal & Assam Company Limited was formerly known as Bengal & Assam Investors Limited and changed its name to Bengal & Assam Company Limited in June 1982. The company was incorporated in 1947 and is based in New Delhi, India.
- Sector
- Financial Services
- Shares outstanding
- 1.1 Cr shares
- ISIN
- INE083K01017
- BSE code
- 533095
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹7,453 Cr
- P/E
- 60.9x
- P/B
- 6.2x
- EV / EBITDA
- 50.7x
- EV / Sales
- 49.3x
- P/S
- 48.7x
- Earnings yield
- 1.6%
- 52-week high
- ₹7,955.75
- 52-week low
- ₹5,440.40
Profitability
- Operating margin
- 92.8%
- Net margin
- 75.8%
- EBITDA margin
- 97.4%
- ROE
- 9.9%
- ROCE
- 10.6%
- ROA
- 9.7%
- Dividend payout
- 39.0%
- Tax rate
- 16.0%
- Other income, % of PBT
- 5.1%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹159 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 3.9%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -2.8%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹149 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -9.7%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -1.7%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -1.5%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹117 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 8.3%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹0 Cr
- Asset growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 0.8%
Solvency and efficiency
- Current ratio
- 58.60
- Debt / Assets
- 0.08
- Debt / EBITDA
- 0.67
- Financial leverage
- 1.11
- CFO / Net profit
- 1.01
- Cash / Market cap
- 0.2%
- Cash per share
- ₹12.28
- Asset turnover
- 0.13
- Fixed asset turnover
- 6.38
- Capital intensity
- 0.16
- Debtor days
- 0 days
- Cash conversion cycle
- 0 days
Where the revenue went
Some FY2025 lines are not reported, so the ones that are appear as a table.
| Line | FY2025 |
|---|---|
| Sales | ₹159 Cr |
| Expenses | ₹26 Cr |
| Operating profit | ₹133 Cr |
| Other income | ₹7 Cr |
| Interest | ₹6 Cr |
| Depreciation | ₹1 Cr |
| Profit before tax | ₹134 Cr |
| Tax and other | ₹20 Cr |
| Net profit | ₹114 Cr |
Revenue and net profit
Revenue grew 3.9% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹57 Cr | ₹23 Cr |
| FY2022 | ₹103 Cr | ₹61 Cr |
| FY2023 | ₹144 Cr | ₹122 Cr |
| FY2024 | ₹153 Cr | ₹116 Cr |
| FY2025 | ₹159 Cr | ₹114 Cr |
Cash flows
FY2025: ₹117 Cr from operations, ₹71.0 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | ₹41 Cr | ₹61 Cr |
| FY2022 | ₹85 Cr | ₹176 Cr |
| FY2023 | ₹108 Cr | ₹126 Cr |
| FY2024 | ₹117 Cr | ₹107 Cr |
| FY2025 | ₹117 Cr | ₹71 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹159 Cr+3.9%1Y
- Net profit
- ₹114 Cr-1.7%1Y
- Cash from operations
- ₹117 Cr
- Free cash flow
- ₹71 Cr-33.6%1Y
- Revenue CAGR, 5Y
- -2.8%
- EBITDA CAGR, 5Y
- -3.1%
- Net profit CAGR, 5Y
- -1.5%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹159 Cr | ₹133 Cr | — | ₹114 Cr | ₹117 Cr | ₹71 Cr | 9.9% | +3.9% | -1.7% |
Monthly returns
Month-by-month returns of BENGALASM across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹1,251 Cr |
| Equity capital | ₹11 Cr |
| Reserves | ₹1,136 Cr |
| Borrowings | ₹79 Cr |
| Other liabilities | ₹24 Cr |
| Assets | ₹1,251 Cr |
| Fixed assets | ₹23 Cr |
| Capital work in progress | ₹0 Cr |
| Investments | ₹1,217 Cr |
| Other assets | ₹10 Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
BENGALASM trades at 60.9x earnings against a peer median of 26.9x (a 126% premium).
Not shown (no positive earnings and no EV / Sales): Religare Enterprises Ltd, Equitas Small Finance Bank Limited.
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| Bengal & Assam Company LimitedBENGALASMthis companyP/E ↑ premium | ₹7,453 Cr | 60.9x | 6.2x | 9.9% | 50.7x |
| Kama Holdings LimitedKAMAHOLD | ₹9,133 Cr | 81.5x | 10.7x | 12.4% | 28.6x |
| CSB Bank LimitedCSBBANK | ₹8,994 Cr | 14.5x | 1.9x | 13.2% | — |
| Tamilnad Mercantile Bank LimitedTMB | ₹8,974 Cr | 7.4x | 1.0x | 13.1% | — |
| LLOYDS ENTERPRISES LIMITEDLLOYDSENT | ₹8,577 Cr | 33.9x | 1.8x | 0.3% | 93.3x |
| India Shelter Finance Corporation LimitedINDIASHLTR | ₹8,514 Cr | 19.1x | 2.9x | 13.9% | — |
| Religare Enterprises LtdRELIGARE | ₹8,089 Cr | — | 3.3x | -1.8% | -200.1x |
| Equitas Small Finance Bank LimitedEQUITASBNK | ₹7,758 Cr | — | 1.3x | 2.4% | — |
| Karnataka Bank Ltd.KTKBANK | ₹7,044 Cr | 6.1x | 0.6x | 10.5% | — |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
BENGALASM since 1 January, against earlier years.
Historical volatility
BENGALASM's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | 89.0% |
| FY2022 | 93.0% |
| FY2023 | 94.0% |
| FY2024 | 93.0% |
| FY2025 | 84.0% |
| Line | FY2025 |
|---|---|
| RevenueSales | ₹159 Cr |
| Costs | |
| Interest | ₹6 Cr |
| Expenses | ₹26 Cr |
| Operating profitOperating Profit | ₹133 Cr |
| Other income and charges | |
| Profit before tax | ₹134 Cr |
| Tax | |
| Net profitNet Profit | ₹114 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹1,251 Cr |
| Equity capitalEquity Capital | ₹11 Cr |
| Reserves | ₹1,136 Cr |
| Borrowings | ₹79 Cr |
| Other liabilitiesOther Liabilities | ₹24 Cr |
| AssetsTotal Assets | ₹1,251 Cr |
| Fixed assetsFixed Assets | ₹23 Cr |
| Capital work in progressCWIP | ₹0 Cr |
| Investments | ₹1,217 Cr |
| Other assetsOther Assets | ₹10 Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | ₹117 Cr |
| Investing cash flowCash from Investing Activity | -₹46 Cr |
| Financing cash flowCash from Financing Activity | -₹72 Cr |
| Change in cashNet Cash Flow | ₹0 Cr |
Learn while you research
Academy chapters picked for Bengal & Assam Company Limited and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Valuation Multiples ExplainedThis stock trades at a P/E of 60.9, learn when high multiples are justified.6 min read
- 04 Stock Market RisksSmall caps carry concentrated, idiosyncratic risk, learn to manage it.6 min read
- 05 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 06 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read