Bengal & Assam Company Ltd

₹ 5,718 -0.54%

11 Nov - close price

bengalassam.com BSE: 533095 NSE: BENGALASM

About

Bengal & Assam Company Limited is a Core Investment Company registered with the RBI. Its objective is to hold investments in its subsidiaries, other group companies, money market mutual funds etc., as prescribed by the RBI. ^[1]

Key Points

Holding Company
BACL majorly holds investments in almost all the group companies of the JK group, which was founded in the year 1918. BACL held ~97% of its total assets in the form of investments in equity share and preference share capital, subsidiaries and group companies, listed companies, and unlisted companies as of FY23. ^[1]

Website BSE NSE

Market Cap ₹ 6,512 Cr.
Current Price ₹ 5,718
High / Low ₹ 7,640 / 5,312
Stock P/E 53.0
Book Value ₹ 1,097
Dividend Yield 0.87 %
ROCE 11.7 %
ROE 10.2 %
Face Value ₹ 10.0

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Pros

Company is almost debt free.
Company is expected to give good quarter
Company has been maintaining a healthy dividend payout of 45.6%
Company's median sales growth is 23.1% of last 10 years

Cons

Stock is trading at 5.21 times its book value
Company has a low return on equity of 10.5% over last 3 years.
Debtor days have increased from 34.2 to 60.1 days.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
	85	2	63	3	121	4	29	26	150	33	86	37	184
YoY Revenue growth	-12%	+2%	+46%	+33%	+42%	+81%	-53%	+809%	+24%	+723%	+194%	+39%	+23%
Interest	3	2	2	2	2	1	1	1	1	1	1	1	1
	4	2	3	2	4	2	19	23	28	30	75	34	56
Financing Profit	79	-2	57	-0	116	1	9	2	121	2	9	2	127
Financing Margin %	92%	-98%	91%	-11%	96%	26%	30%	7%	81%	5%	11%	5%	69%
	2	2	2	2	2	3	2	2	2	-0	5	2	2
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	80	-1	59	2	118	4	11	4	123	1	14	4	129
Tax %	16%	23%	15%	-7%	16%	37%	-2%	24%	14%	41%	26%	23%	14%
	67	-1	50	2	99	3	11	3	106	1	10	3	110
EPS in Rs	59.28	-0.66	44.68	1.63	87.77	2.34	9.53	2.44	93.06	0.56	8.99	2.44	96.74
Gross NPA %
Net NPA %
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Upcoming result date: today

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	33	42	43	42	69	176	57	103	144	153	159	296	340
Revenue growth	+66%	+26%	+3%	-2%	+63%	+155%	-67%	+80%	+40%	+6%	+4%	+86%	+62%
Interest	13	19	23	14	31	43	34	26	17	11	6	5	5
	3	3	4	5	5	9	6	7	8	11	26	157	196
Financing Profit	17	19	17	23	33	124	17	70	119	132	127	134	139
Financing Margin %	50%	46%	40%	54%	48%	71%	30%	68%	83%	86%	80%	45%	41%
	5	5	6	6	6	7	7	7	29	7	7	8	8
Depreciation	0	0	0	0	0	1	1	1	1	1	1	1	1
Profit before tax	22	24	22	28	38	130	24	76	148	138	134	141	147
Tax %	5%	4%	-3%	-1%	-1%	4%	1%	20%	17%	16%	15%	15%
	21	23	23	29	39	125	23	61	122	116	114	120	124
EPS in Rs	23.68	26.46	26.53	32.89	44.83	110.97	20.59	54.25	107.87	102.35	101.27	105.03	108.73
Dividend Payout %	30%	38%	38%	30%	21%	14%	36%	28%	23%	39%	50%	48%

Compounded Sales Growth
10 Years:	22%
5 Years:	39%
3 Years:	27%
TTM:	62%

Compounded Profit Growth
10 Years:	18%
5 Years:	39%
3 Years:	5%
TTM:	0%

Stock Price CAGR
10 Years:	18%
5 Years:	22%
3 Years:	-11%
1 Year:	-23%

Return on Equity
10 Years:	9%
5 Years:	10%
3 Years:	11%
Last Year:	10%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Sep 2026
Equity Capital	9	9	9	9	8	11	11	11	11	11	11	11	11
Reserves	330	344	367	387	698	791	824	883	989	1,065	1,136	1,183	1,239
Borrowing	154	194	194	126	547	432	404	260	168	100	79	82	85
	10	4	4	5	16	17	16	18	19	20	24	69	69
Total Liabilities	502	552	574	526	1,269	1,251	1,256	1,173	1,187	1,196	1,251	1,346	1,404
	18	18	17	17	26	25	25	24	24	24	23	23	22
CWIP	0	0	0	2	0	0	0	0	0	0	0	0	0
Investments	396	418	457	450	1,184	1,188	1,200	1,136	1,150	1,158	1,217	1,271	1,339
	88	116	100	57	59	38	31	12	13	14	10	52	44
Total Assets	502	552	574	526	1,269	1,251	1,256	1,173	1,187	1,196	1,251	1,346	1,404

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	28	36	39	44	71	149	41	85	108	117	117	117
	-65	-39	-20	46	-231	39	20	91	18	-10	-46	-57
	38	7	-22	-90	160	-187	-62	-179	-126	-107	-72	-59
Net Cash Flow	0	4	-3	0	1	1	-0	-3	0	0	0	1
Free Cash Flow	28	36	39	42	64	149	41	85	130	117	117	117

Ratios

Standalone / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	6%	7%	6%	7%	7%	17%	3%	7%	11%	11%	10%	10%

Insights

In beta

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Book Value of Investments (Total Portfolio)
INR crore

xxx.xx	xxx.xx	xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx
xx.xx	xx.xx	xx.xx	xx.xx	xxx.xx	xx.xx	xx.xx	xxx.xx	xxx.xx	xxx.xx	xxx.xx
x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx
xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx
xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xxx.xx	xxx.xx
xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx		xx.xx	xx.xx	xx.xx
xx.xx	xx.xx	xx.xx		xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx
xx.xx	xx.xx	xx.xx		xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx

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Dividend Income (from Subsidiaries and Associates)
INR crore

Market Value of Investments (Total Portfolio)
INR crore

Stake in JK Tyre & Industries Ltd
%

Stake in Umang Dairies Ltd
%

Stake in JK Fenner (India) Ltd
%

Stake in JK Lakshmi Cement Ltd
%

Stake in JK Paper Ltd
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

2 Recently

	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
	73.02%	73.02%	73.02%	73.02%	73.02%	73.02%	73.11%	72.88%	72.88%	72.87%	72.87%	72.87%
	4.31%	4.31%	4.31%	4.55%	4.57%	4.55%	4.47%	4.42%	4.43%	4.43%	4.41%	4.41%
	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.00%	0.00%	0.00%
	22.67%	22.67%	22.67%	22.43%	22.41%	22.41%	22.42%	22.70%	22.68%	22.69%	22.71%	22.71%
No. of Shareholders	20,819	21,019	21,021	21,119	20,339	20,231	20,207	27,050	26,177	25,463	25,138	24,692

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Sep 2026
	73.96%	74.97%	74.97%	72.66%	72.66%	72.66%	72.66%	73.02%	73.02%	72.87%	72.87%
	0.00%	0.00%	0.00%	0.00%	0.00%	3.53%	3.90%	4.31%	4.55%	4.43%	4.41%
	3.31%	3.30%	3.30%	2.22%	1.65%	0.50%	0.06%	0.01%	0.01%	0.00%	0.00%
	0.16%	0.16%	0.16%	0.12%	0.12%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	22.57%	21.56%	21.56%	25.00%	25.57%	23.31%	23.38%	22.67%	22.41%	22.69%	22.71%
No. of Shareholders	31,519	25,691	23,896	26,731	24,624	22,984	21,435	21,019	20,231	25,463	24,692

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Bengal & Assam Company Ltd

Bengal & Assam Company Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

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