Bengal & Assam

Why is Bengal & Assam Company Ltd falling/rising?

As of 20-Aug, Bengal & Assam Company Ltd's stock price is at 6,248.00, down 2.17%. The decline is due to poor performance metrics, declining investor interest, and negative financial trends, including significant drops in net sales and profit.

As of 20-Aug, Bengal & Assam Company Ltd's stock price is falling, currently at 6,248.00, reflecting a decrease of 138.8 points or 2.17%. This decline is attributed to several factors highlighted in the performance metrics and financial indicators. <BR><BR>The stock has underperformed significantly today, with a performance that is 100.72% lower than its sector. Additionally, it has not traded on one day out of the last twenty, indicating erratic trading behavior. The stock is also trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, which suggests a bearish trend. <BR><BR>Investor participation appears to be declining, as evidenced by a 19.68% drop in delivery volume compared to the 5-day average. This lack of engagement may signal waning interest among investors. Furthermore, the company's financial health raises concerns; it has experienced a significant annual decline in net sales of 27.76% and a drop in operating profit by 21.10%. <BR><BR>The recent quarterly results show a fall in profit after tax (PAT) by 24.6%, and the debt-equity ratio is at its highest level of 0.06 times. Although the company has a long-term fundamental strength with an average return on equity (ROE) of 12.28%, its current ROE of 7.8 indicates an expensive valuation with a price-to-book value of 0.7. <BR><BR>Over the past year, the stock has generated a return of -22.21%, while profits have only increased by 6.7%, leading to a PEG ratio of 1.6. The minimal stake held by domestic mutual funds, at just 0.01%, suggests a lack of confidence in the stock's current price or business prospects. Overall, the combination of poor performance metrics, declining investor interest, and negative financial trends contributes to the stock's falling price.

Which are the latest news on Bengal & Assam?

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

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 diverse team provides strong governance and expertise to the company.

The management team of Bengal & Assam includes the following members:<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.

What does Bengal & Assam do?

Bengal & Assam Company Ltd is a Small Cap NBFC incorporated in 1947, focusing on core investments. As of June 2026, it reported net sales of ₹633 Cr and a net profit of ₹187 Cr, with a market cap of ₹7,097 Cr.

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 entity.<BR><BR>History: <BR>The company was incorporated in 1947 in New Delhi. It is registered as an NBFC with the Reserve Bank of India and reported its latest quarterly results for June 2026, showcasing net sales and profit figures.<BR><BR>Financial Snapshot: <BR>- Net Sales: 633 Cr (Quarterly Results - Jun 2026) <BR>- Net Profit: 187 Cr (Quarterly Results - Jun 2026) <BR>- Market Cap: INR 7,097 Cr (Small Cap) <BR><BR>Key Metrics: <BR>- P/E: 9.00 <BR>- Industry P/E: 21 <BR>- Dividend Yield: 0.80% <BR>- Debt Equity: 0.06 <BR>- Return on Equity: 7.78% <BR>- Price to Book: 0.66 <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

Who are the peers of the Bengal & Assam?

The peers of Bengal & Assam include IIFL Finance, Capri Global, Five-Star Bus.Fi, SBFC Finance, Religare Enterprises, Paisalo Digital, Fedbank Finance, MAS Financial Services, and Dhenu Buildcon. Bengal & Assam shows below-average growth and the lowest 1-year return at -22.57% compared to its peers.

Peers: The peers of Bengal & Assam are IIFL Finance, Capri Global, Five-Star Bus.Fi, SBFC Finance, Religare Enterp., Paisalo Digital, Fedbank Financi., MAS FINANC SER, and Dhenu Buildcon.<BR><BR>Quality Snapshot: Excellent management risk is observed at Five-Star Bus.Fi, SBFC Finance, and MAS FINANC SER, while Good management risk is found at IIFL Finance and Fedbank Financi. Average management risk is present at Capri Global, Religare Enterp., Bengal & Assam, and Paisalo Digital. For Growth, Excellent growth is noted at Capri Global and SBFC Finance, while Good growth is seen at Five-Star Bus.Fi, Paisalo Digital, and Fedbank Financi. Average growth is found at IIFL Finance and the rest, while Bengal & Assam and Religare Enterp. exhibit Below Average growth. All peers have Excellent capital structure except for Dhenu Buildcon, which does not qualify.<BR><BR>Return Snapshot: Paisalo Digital has the highest 1-year return at 125.45%, while Bengal & Assam has the lowest at -22.57%. This indicates that Bengal & Assam's return is significantly lower than its peers. Additionally, the six-month return is negative for SBFC Finance, Religare Enterp., and MAS FINANC SER.

How big is Bengal & Assam?

As of 14th August, Bengal & Assam Company Ltd has a market capitalization of 7,071.56 Cr, with recent Net Sales of 2,436.68 Cr and a Net Profit of 762.46 Cr. The balance sheet for March 2025 shows Shareholder's Funds of 9,761.63 Cr and Total Assets of 11,336.39 Cr.

As of 14th August, Bengal & Assam Company Ltd has a market capitalization of 7,071.56 Cr, categorizing it as a Small Cap company.<BR><BR>In the latest four quarters, the company reported Net Sales of 2,436.68 Cr and a Net Profit of 762.46 Cr.<BR><BR>The latest annual period for the balance sheet is March 2025, showing Shareholder's Funds of 9,761.63 Cr and Total Assets of 11,336.39 Cr.

Are Bengal & Assam Company Ltd latest results good or bad?

Bengal & Assam Company Ltd's latest results show mixed performance: while net profit increased 31.90% quarter-on-quarter and net sales grew 20.94% year-on-year, standalone profit before tax fell 61.72% year-on-year, raising concerns about operational efficiency and sustainability. Investors should be cautious due to declining profit margins and reliance on non-operating income.

Bengal & Assam Company Ltd's latest results present a mixed picture, with some concerning trends overshadowing the positive aspects. <BR><BR>On the positive side, the company reported a consolidated net profit of ₹203.04 crores for Q4 FY26, reflecting a 31.90% increase quarter-on-quarter, although it represents a decline of 9.02% year-on-year. Additionally, net sales grew significantly by 20.94% year-on-year to ₹630.17 crores, indicating strong revenue growth.<BR><BR>However, the standalone profit before tax, excluding other income, saw a dramatic decline of 61.72% year-on-year, falling to just ₹23.88 crores. This raises serious concerns about the sustainability of earnings growth and the quality of profitability. The operating margin also compressed sharply to 8.56%, down from 17.77% in the same quarter last year, highlighting operational inefficiencies.<BR><BR>Moreover, the company's return on equity (ROE) has deteriorated to 7.97%, which is below acceptable benchmarks for financial services companies. The heavy reliance on non-operating income, which constituted 45.17% of profit before tax, further complicates the outlook, suggesting that the core business may not be generating adequate returns.<BR><BR>Overall, while there are some positive indicators in terms of revenue growth, the significant declines in profit margins and operational performance raise red flags about the company's financial health and future sustainability. Investors should approach with caution, given the underlying challenges.

When is the next results date for Bengal & Assam Company Ltd?

The next results date for Bengal & Assam Company Ltd is 13 August 2026.

The next results date for Bengal & Assam Company Ltd is scheduled for 13 August 2026.

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.

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.