Bengal & Assam

Why is Bengal & Assam Company Ltd falling/rising?

As of 27-Jul, Bengal & Assam Company Ltd's stock price is slightly rising at 6,226.00, but it has significantly underperformed over the past year and year-to-date. The stock faces challenges such as declining sales and low investor participation, leading to a cautious outlook despite a minor price increase.

As of 27-Jul, Bengal & Assam Company Ltd's stock price is rising slightly, with a current price of 6,226.00, reflecting a change of 23.9 (0.39%) upward. However, despite this minor increase, the stock has shown significant underperformance over various time frames. For instance, it has declined by 24.35% over the past year and 9.08% year-to-date. <BR><BR>The stock's performance today indicates it has underperformed its sector by 1.14%, and there has been erratic trading, with the stock not trading on one day out of the last twenty. Additionally, the delivery volume has seen a drastic decline of 84.24% against the five-day average, suggesting falling investor participation. <BR><BR>While the stock is trading higher than its 5-day and 100-day moving averages, it remains lower than the 20-day, 50-day, and 200-day moving averages, indicating a lack of sustained upward momentum. Furthermore, the company faces challenges such as poor long-term growth, with net sales decreasing at an annual rate of 26.42% and operating profit declining by 16.96%. <BR><BR>Despite a strong long-term fundamental strength indicated by an average return on equity (ROE) of 12.28%, the stock's valuation appears expensive with a price-to-book value of 0.7. The limited interest from domestic mutual funds, holding only 0.01% of the company, may reflect a lack of confidence in the stock's price or business prospects. <BR><BR>In summary, while there is a slight rise in the stock price, the overall trend indicates significant challenges and underperformance, leading to a cautious outlook for Bengal & Assam Company Ltd.

Which are the latest news on Bengal & Assam?

How big is Bengal & Assam?

As of 10th June, Bengal & Assam Company Ltd has a market capitalization of 7,736.00 Cr, with net sales of 2,376.85 Cr and net profit of 823.31 Cr over the last four quarters. Shareholder's funds are valued at 9,761.63 Cr, and total assets amount to 11,336.39 Cr as of March 2025.

As of 10th June, <BR><BR>Market Cap: Bengal & Assam Company Ltd has a market capitalization of 7,736.00 Cr, categorizing it as a Small Cap company.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 2,376.85 Cr, while the sum of Net Profit for the same period is 823.31 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period for the balance sheet is March 2025. Shareholder's Funds are valued at 9,761.63 Cr, and Total Assets amount to 11,336.39 Cr.

Who are in the management team of Bengal & Assam?

The management team of Bengal & Assam includes Bharat Hari Singhania (Chairman), Raghupati Singhania, Vinita Singhania, Ashok Kumar Kinra (Non Executive Directors), and several Independent Directors: Shailendra Swarup, Bakul Jain, Sanjay Kumar Khaitan, Sanjeev Kumar Jhunjhunwala, and Deepa Gopalan Wadhwa, along with Dilip Kumar Swain as Company Secretary. This team offers a diverse range of expertise and governance.

The management team of Bengal & Assam includes the following individuals:<BR><BR>1. Bharat Hari Singhania - Chairman & Non Executive Director<BR>2. Raghupati Singhania - Non Executive Director<BR>3. Vinita Singhania - Non Executive Director<BR>4. Shailendra Swarup - Independent Director<BR>5. Bakul Jain - Independent Director<BR>6. Sanjay Kumar Khaitan - Independent Director<BR>7. Sanjeev Kumar Jhunjhunwala - Independent Director<BR>8. Deepa Gopalan Wadhwa - Independent Director<BR>9. Ashok Kumar Kinra - Non Executive Director<BR>10. Dilip Kumar Swain - Company Secretary & Compliance Officer<BR><BR>This team brings a diverse range of expertise and governance to the company.

Who are the peers of the Bengal & Assam?

Peers of Bengal & Assam include Chola Financial, IIFL Finance, Capri Global, Five-Star Bus.Fi, SBFC Finance, Religare Enterprises, Dhenu Buildcon, Fedbank Financial, and Paisalo Digital. Bengal & Assam has average management risk and below average growth, with a 1-year return of -14.95%.

Peers: The peers of Bengal & Assam are Chola Financial, IIFL Finance, Capri Global, Five-Star Bus.Fi, SBFC Finance, Religare Enterp., Dhenu Buildcon, Fedbank Financi., and Paisalo Digital.<BR><BR>Quality Snapshot: Excellent management risk is observed at Five-Star Bus.Fi and IIFL Finance, while Good management risk is found at SBFC Finance and the rest. Average management risk is present at Chola Financial, Capri Global, Religare Enterp., Fedbank Financi., Paisalo Digital, and Bengal & Assam. Below Average management risk is noted at Dhenu Buildcon. In terms of growth, Excellent growth is seen at Capri Global, SBFC Finance, and the rest, while Average growth is found at IIFL Finance, Fedbank Financi., and Paisalo Digital. Below Average growth is observed at Bengal & Assam and Religare Enterp. Growth does not qualify for Dhenu Buildcon. <BR><BR>Return Snapshot: The peer with the highest 1-year return is Paisalo Digital at 76.42%, while the lowest is Five-Star Bus.Fi at -47.27%. Bengal & Assam's 1-year return is -14.95%, which is higher than Five-Star Bus.Fi but lower than all other peers. Additionally, the six-month return is negative for Chola Financial, Five-Star Bus.Fi, SBFC Finance, and Bengal & Assam.

What does Bengal & Assam do?

Bengal & Assam Company Ltd is a Small Cap Core Investment Company in the NBFC sector, incorporated in 1947, with a market cap of INR 7,736 Cr, net sales of 630 Cr, and a net profit of 203 Cr as of March 2026. Key metrics include a P/E of 9.00 and a dividend yield of 0.75%.

Overview:<BR>Bengal & Assam Company Ltd is a Core Investment Company operating in the Non Banking Financial Company (NBFC) sector, categorized as a Small Cap.<BR><BR>History:<BR>The company was incorporated in 1947 in New Delhi. It is duly registered as an NBFC with the Reserve Bank of India. The latest quarterly results report net sales and profit for the period ending March 2026.<BR><BR>Financial Snapshot:<BR>- Net Sales: 630 Cr (Quarterly Results - Mar 2026)<BR>- Net Profit: 203 Cr (Quarterly Results - Mar 2026)<BR>- Market Cap: INR 7,736 Cr (Small Cap)<BR><BR>Key Metrics:<BR>- P/E: 9.00<BR>- Industry P/E: 20<BR>- Dividend Yield: 0.75%<BR>- Debt Equity: 0.06<BR>- Return on Equity: 7.78%<BR>- Price to Book: 0.71<BR><BR>Contact Details:<BR>Address: 7 Council House Street, Kolkata, West Bengal: 700001<BR>Tel: 91-033-22486181<BR>Email: dswain@jkmail.com<BR>Website: http://www.bengalassam.com

Should I buy, sell or hold Bengal & Assam Company Ltd?

Is Bengal & Assam technically bullish or bearish?

As of December 2, 2025, the technical trend for Bengal & Assam has shifted to a bearish stance, supported by bearish signals from the weekly MACD, KST, and daily moving averages, despite some bullishness in the monthly RSI.

As of 2 December 2025, the technical trend has changed from mildly bearish to bearish. The current technical stance is bearish, with a moderate strength indicated by the weekly MACD and KST both being bearish. The daily moving averages also confirm a bearish outlook. While the monthly RSI shows bullishness, it is overshadowed by the bearish signals in the weekly timeframe. Overall, the combination of bearish indicators in the weekly and daily analyses suggests a prevailing bearish sentiment for Bengal & Assam.

How has been the historical performance of Bengal & Assam?

Bengal & Assam experienced significant declines in net sales, operating income, and profits from Mar'23 to Mar'25, with net sales dropping from 16,491.65 Cr to 2,127.90 Cr. Despite a temporary improvement in cash flow from operating activities, the overall financial performance indicates a challenging environment.

Answer:<BR>The historical performance of Bengal & Assam shows significant fluctuations in key financial metrics over the years.<BR><BR>Breakdown:<BR>Bengal & Assam's net sales have seen a drastic decline from 16,491.65 Cr in Mar'23 to 2,127.90 Cr in Mar'25, reflecting a challenging period for the company. Total operating income followed a similar trend, decreasing from 16,491.65 Cr in Mar'23 to 2,127.90 Cr in Mar'25. The total expenditure also dropped significantly from 14,903.03 Cr in Mar'23 to 1,726.72 Cr in Mar'25, indicating a substantial reduction in operational costs. Operating profit (PBDIT) decreased from 1,672.13 Cr in Mar'23 to 500.05 Cr in Mar'25, while profit before tax fell from 667.05 Cr in Mar'23 to 400.21 Cr in Mar'25. The profit after tax also declined from 452.80 Cr in Mar'23 to 299.18 Cr in Mar'25. Despite these declines, the consolidated net profit showed a decrease from 937.71 Cr in Mar'23 to 732.28 Cr in Mar'25. The company's total assets decreased from 17,225.97 Cr in Mar'23 to 11,336.39 Cr in Mar'25, while total liabilities also fell from 17,225.97 Cr in Mar'23 to 11,336.39 Cr in Mar'25. The cash flow from operating activities improved from 1,437.00 Cr in Mar'23 to 1,817.00 Cr in Mar'24, but the net cash outflow was recorded at -165.00 Cr in Mar'24. Overall, the financial data indicates a challenging environment for Bengal & Assam, with significant reductions in sales and profits over the observed period.

Is Bengal & Assam overvalued or undervalued?

As of September 15, 2025, Bengal & Assam is considered overvalued with a valuation grade of expensive, a PE ratio of 14.02, and an EV to EBITDA of 22.53, especially when compared to peers like Bajaj Finance at 36.1 and Life Insurance at 11.48, despite its strong stock performance relative to the Sensex.

As of 15 September 2025, the valuation grade for Bengal & Assam has moved from very expensive to expensive, indicating a shift in market perception. The company is currently considered overvalued. Key ratios include a PE ratio of 14.02, an EV to EBITDA of 22.53, and a ROCE of 16.53%. <BR><BR>When compared to peers, Bengal & Assam's PE ratio is significantly lower than Bajaj Finance, which stands at 36.1, while Life Insurance offers a more attractive valuation with a PE of 11.48. Despite its recent stock performance, which has outpaced the Sensex over three and five years, the current valuation suggests that the stock may not be a compelling investment at this price point.

Are Bengal & Assam latest results good or bad?

The latest results for Bengal & Assam show mixed outcomes: while quarterly performance indicates a 28.43% growth in Profit Before Tax and an 8.58% increase in net sales, there are significant concerns with a 67.20% decline in net sales and a 36.57% drop in Profit After Tax over the nine-month period. Overall, the results highlight short-term gains but underscore serious long-term challenges.

The latest results for Bengal & Assam Company present a mixed picture. On one hand, there are some positive signs, particularly in the quarterly performance for June 2025, where the Profit Before Tax (PBT) has shown a year-on-year growth of 28.43%. Additionally, net sales for the quarter have increased by 8.58% compared to the same period last year, which is a notable improvement.<BR><BR>However, the overall financial health of the company raises concerns. The net sales for the nine-month period have experienced a significant decline of 67.20%, and the Profit After Tax (PAT) has decreased by 36.57% year-on-year. This suggests that while there may be some short-term resilience, the long-term trends in sales and profitability are troubling.<BR><BR>In summary, while the quarterly results show some positive growth, the broader context of declining sales and profitability indicates that the company is facing significant challenges. Therefore, the results can be viewed as a mix of good and bad, with more emphasis on the challenges ahead.

When is the next results date for Bengal & Assam?

The next results date for Bengal & Assam is 13 August 2025.

The next results date for Bengal & Assam is scheduled for 13 August 2025.

Who are the top shareholders of the Bengal & Assam?

The top shareholders of Bengal & Assam include Hari Shankar Singhania Holdings Pvt. Ltd. with 23.34%, 19 foreign institutional investors holding 4.55%, and Edgefield Securities Limited as the largest public shareholder at 2.86%. Individual investors own 11.35% of the shares, with no pledged promoter holdings.

The top shareholders of Bengal & Assam include the promoters, with Hari Shankar Singhania Holdings Pvt. Ltd. holding the largest share at 23.34%. Additionally, there are 19 foreign institutional investors (FIIs) that collectively hold 4.55% of the company. The highest public shareholder is Edgefield Securities Limited, which owns 2.86%. Individual investors also have a significant stake, holding 11.35% of the shares. Overall, the majority of the shares are held by promoters, and there are no pledged promoter holdings.

Has Bengal & Assam declared dividend?

Bengal & Assam Company Ltd has declared a 400% dividend, amounting to 40 per share, with an ex-date of September 12, 2024. Recent total returns have been volatile, showing a -22.42% return over the last 6 months but a strong 512.52% return over the past 5 years.

Bengal & Assam Company Ltd has declared a 400% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 400%<BR>- Amount per share: 40<BR>- Ex-date: 12 Sep 24<BR><BR>Dividend Yield: 0.54%.<BR><BR>Total Returns by Period:<BR>In the last 6 months, the price return was -22.42%, with a dividend return of 0%, resulting in a total return of -22.42%.<BR><BR>Over the past year, the price return was -9.44%, with a dividend return of 0.47%, leading to a total return of -8.97%.<BR><BR>In the 2-year period, the price return was 58.42%, the dividend return was 1.33%, culminating in a total return of 59.75%.<BR><BR>For the 3-year period, the price return was 188.77%, with a dividend return of 3.11%, resulting in a total return of 191.88%.<BR><BR>In the 4-year period, the price return was 370.34%, with a dividend return of 5.10%, leading to a total return of 375.44%.<BR><BR>Over the last 5 years, the price return was 506.58%, with a dividend return of 5.94%, resulting in a total return of 512.52%.<BR><BR>Overall, Bengal & Assam Company Ltd has declared a substantial dividend, but recent total returns have shown volatility, particularly in the shorter periods, indicating a mixed performance in the market.