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Prices as of 8 Oct 2026 close · Not investment advice

Bengal & Assam Company Limited

NSE: BENGALASMNon Banking Financial Company (NBFC)

Share price

₹5,901.50

-2.23% close of 8 Oct 2026

Market cap ₹6,492 CrP/E 8.4

Price-based ratios (P/B, dividend yield, EV/EBITDA) are as of 7 Oct 2026, the close above is 8 Oct 2026.

Business score

How strong the business is, in one number. The parts behind it are in Pro.

51

out of 100 · worked out 8 Oct 2026

Your ratios

The numbers you want to see first. Tap Edit to change them.

Market cap

₹6,492 Cr

P/E ratio

8.4

P/B ratio

0.6

ROCE

3.9%

ROE

8.1%

Dividend yield

0.8%

Price & valuation chart

How the share price and its valuation have moved. Hover over the chart to see any day. Prices as of the last close.

Prices as of 8 Oct 2026 close52-week high ₹8,500.3052-week low ₹5,440.40

Answers

Simple answers to the questions investors ask most, from the company's own numbers.

How fast it has been growing

Our sales figures for this company step down at Mar 2024 and we hold nothing that says why, so we cannot honestly quote a growth rate across it.

Whether it grew faster than its sector

Our sales figures for this company step down at Mar 2024 and we hold nothing that says why, so there is no honest growth rate of its own to set against its sector.

Room to re-rate, or risk of de-rating

At 8.4× earnings against a market that pays 23.9× across 2199 companies we can price. Its own industry sits at 22.8×, across 5 companies. It is against its own five-year median of 8.0×, the 61st percentile of its own range.

Whether growth justifies the valuation

Its earnings are falling, so growth cannot justify the price.

Profit growthPrice per ₹1 profitPer 1% growth
Bengal & Assam Company Limited — this one-5%/yr8.4×—
Bajaj Finance19%/yr29.0×₹1.5
Shriram Finance Limited19%/yr19.1×₹1.0
Tata Capital Limited17%/yr24.4×₹1.4
Cholamandalam Investment & Finance25%/yr22.8×₹0.91
Muthoot Finance43%/yr9.0×₹0.21

Compared with companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

How it compares with its peers

Against companies the exchange files under the same label (Non Banking Financial Company (NBFC)), it ranks 39 of 73 on returns, 5 of 68 on growth. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

What makes it hard to beat — and is that still true?

No durable advantage shows in the numbers: it earns 8.1% on capital, ahead of 47% of companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

Whether its growth pays for itself

This question does not fit a lender: the money it lends out is its day-to-day outflow and the deposits or premiums it takes are the inflow, so a cash bridge cannot say whether its growth pays for itself. Look at the return on owners' money instead.

Profit reality check

Is the profit real cash? Simple checks on the accounts. Facts only, not advice.

Not enough filed accounts to run these checks yet.

Latest result · Q1 FY27

What the last results showed. Whether management kept its word is in Pro.

Announced 13 Aug 2026 · Consolidated · Unaudited

Revenue

₹633 Cr

Revenue vs last year

+10.4%

Revenue vs last quarter

+0.4%

Net profit

₹197 Cr

Profit vs last year

-23.8%

Profit vs last quarter

-3.7%

Net margin

31.1%

Checklist before you investPRO

Points for and against, in one list.

Key numbers & peers

The main numbers grouped by topic, and how the company compares with similar ones.

Price

Market cap
₹6,492 Cr
Prev close
₹5,901.50
52w High
₹8,600
52w Low
₹5,312
Enterprise value
₹6,612 Cr
Beta
0.6
Price CAGR 1y
-21.0%
Price CAGR 3y
2.0%
Price CAGR 5y
21.0%
Price CAGR 10y
17.0%

Ratios

Return on assets
6.8%
PEG ratio
-1.8
P/E ratio
8.4
P/B ratio
0.6
EV / EBITDA
16.2
Industry P/E
16.8
ROCE
3.9%
ROCE 5y average
—
ROE
8.1%
Debt / Equity
0.1
Interest coverage
—
Dividend yield
0.8%
ROE 3y average
12.0%
ROE last year
8.0%

Annual P&L

Annual revenue
₹2,458 Cr
Annual profit
₹843 Cr
Operating margin
17.0%
Net profit margin
34.3%
EBITDA margin
16.8%
Sales growth 3y
-47.0%
Sales growth 5y
-25.1%
Profit growth 3y
-5.0%
Profit growth 5y
11.0%
EPS
₹722
Sales growth TTM
12.0%
Profit growth TTM
6.0%
Dividend payout
7.0%

Quarter P&L

Sales latest quarter
₹633 Cr
Profit latest quarter
₹197 Cr
YoY quarterly sales growth
10.4%
YoY quarterly profit growth
-23.6%
OPM latest quarter
14.0%

Balance Sheet

Book Value
₹9,715
Face Value
₹10.0
Total debt
₹642 Cr
Total cash
₹114 Cr
Borrowings
₹642 Cr
Reserves / Equity
970.5

Cash Flow

Operating cash flow
₹252 Cr
Free cash flow
₹161 Cr
FCF yield
—
Net cash flow
₹20 Cr

Shareholding

Promoter holding
72.9%
FII holding
4.4%
DII holding
0.0%
Public holding
22.7%

Peer comparison

CompanyPrice ₹P/EMkt cap ₹ CrDiv yield %Profit qtr ₹ CrProfit var %Sales qtr ₹ CrSales var %ROCE %
Bajaj Finance963.8529.36,00,9000.566,080.627.423,165.518.610.9
Shriram Finance948.0019.62,21,9301.143,452.859.913,400.416.211.5
Tata Capital320.5525.11,36,1330.181,628.256.38,821.915.18.6
Cholaman.Inv.&Fn1,564.7023.31,33,9150.131,656.245.68,856.321.99.7
Muthoot Finance2,654.409.41,06,4651.132,824.838.88,671.634.415.8
L&T Finance Ltd260.2520.465,2041.06916.028.75,212.922.48.4
SBI Cards557.4023.252,8080.45664.419.55,040.63.410.1
Bengal & Assam6,036.008.96,8790.83196.5-24.6633.010.43.9
Median141.7419.64790.0010.837.948.627.79.4

Competes with: Bajaj Finance, Cholamandalam Investment & Finance, HDB Financial Services Limited, L&T Finance Limited, Muthoot Finance, SBI Cards & Payment Services, Shriram Finance Limited, Tata Capital Limited

Quarterly results

Sales and profit for each of the last 13 quarters. Newest on the right. ₹ crore.

Consolidated · to 30 Jun 2026
Line itemJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue4,2414,3773,777523528590489521573642531630633
Expenses3,7103,6973,224413445432421428472451494576535
Financing Profit40256144710073148578088178264086
Financing Margin %91312191425121515285614
Other Income18143,09829172439312739222025
Interest12911910610101011131213111412
Depreciation12012211417171717171616161716
Profit before tax2994523,43111173154809399201334495
Tax %33321125282029282820224227
Net Profit3784373,062317256128140231258226156204197
EPS in Rs2642842,622276220113118198219192135178164

Profit & loss

Yearly sales, costs and profit for 12 years, plus the last 12 months (TTM). ₹ crore.

Consolidated · to 31 Mar 2026
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue1,3711,4381,5601,53112,53411,11910,43913,60916,52112,9622,1872,4582,437
Expenses1,2051,2431,2831,24711,1519,8428,93712,27814,90311,0441,7271,9942,056
Financing Profit821011831208096689988821,1301,553417414331
Financing Margin %6712866106712191714
Other Income27262829-33-845226-72,9295228106
Interest849493164574609504449488364445050
Depreciation34374042367423428428456373686565
Profit before tax74901711084091616224796674,109400377372
Tax %1924242934-85383532162525
Net Profit1782503452074575226787311,0714,194755843782
EPS in Rs2002793832314154034505568303,446648722669
Dividend Payout %443434233187

Compounded growth

Average yearly growth over different spans, as stored. A span can cross a demerger or an acquisition.

Compounded sales growth

10 years
6%
5 years
-25%
3 years
-47%
TTM
12%

Compounded profit growth

10 years
13%
5 years
11%
3 years
-5%
TTM
6%

Stock price CAGR

10 years
17%
5 years
21%
3 years
2%
1 year
-21%

Return on equity

10 years
14%
5 years
13%
3 years
12%
Last year
8%

Balance sheet

What the company owns and what it owes, at the end of each year. ₹ crore.

Consolidated
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital99991111111111111111
Reserves1,2741,5141,8132,0052,9913,3633,9044,5335,5029,0529,75010,676
Borrowing4104444223486,4746,0935,1105,5275,185422556642
Other Liabilities3143283474164,7344,8335,4186,1556,5279521,0191,096
Total Liabilities2,0062,2942,5912,77714,21114,30014,44316,22617,22610,43711,33612,426
Fixed Assets3553773663916,7016,8106,6476,8416,931461480488
CWIP932011287295328136232222652
Investments1,2891,5081,7031,9841,8192,0852,4232,7493,6029,0909,86910,804
Other Assets3534065023915,4045,1105,0456,5006,4608649621,082
Total Assets2,0062,2942,5912,77714,21114,30014,44316,22617,22610,43711,33612,426

Cash flows

Real money coming in and going out each year — from the business, from investments and from loans. ₹ crore.

Consolidated
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity1091441131029931,5001,7803511,4371,817294252
Cash from Investing Activity-105-10254-163-368-359-177-188-647-1,392-286-202
Cash from Financing Activity-3-37-17264-567-1,184-1,567-144-778-59039-30
Net Cash Flow14-5358-43371912-1654720
Free Cash Flow858870526691,1581,582-59571,246267161

Ratios

How fast customers pay, how long stock sits, and how well capital earns — year by year.

Consolidated
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %1917201015161415192288

Shareholding pattern

Who owns the company — founders (promoters), foreign funds, Indian funds and the public. In %.

Consolidated · to 30 Jun 2026
Line itemSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters737373737373737373737373
FIIs4.284.314.314.314.554.574.554.474.424.434.434.41
DIIs0.010.010.010.010.010.010.010.010.010.0100
Public232323232222222223232323
No. of Shareholders20,62920,81921,01921,02121,11920,33920,23120,20727,05026,17725,46325,138

Price trend

The price as a Renko brick chart: small moves drop out so the bigger path stands out.

Change over 1 year -22.1% (₹7,580.55 → ₹5,901.50)Brick size ₹213.01 (fixed)Bricks 27
₹7,000₹8,000₹5,902Nov '25Mar '26Jun '26
Price moved up one brickPrice moved down one brickLast close ₹5,901.50 on 8 Oct 2026

Every brick is the same size, about one typical day's move. A new brick needs a full brick's move; turning the other way needs two. Bricks show where the price went, not where it will go.

Open interestPRO

Where option traders are positioned on this stock.

Industry numbers

The numbers that matter most in this industry, from the company's own filings.

the company's own unlisted debt securities in default at period end

0.00cr

2026-06-30

the company's own loans / revolving facilities in default at period end (standalone filing)

0.00cr

2026-06-30

News

News and filings about Bengal & Assam Company Limited. Open one to see why it matters.

No recent news for this company.

Supply chain

Who it buys from, sells to and competes with — as recorded in our map of company links.

Competes with

Sells to

About

What the company is, from our own records: where it sits, where it makes things, and what it is made of.

Sector
Financial Services
Industry
Non Banking Financial Company (NBFC)
Classification
Financial Services › Non Banking Financial Company (NBFC)
ISIN
INE083K01017

News impact

Big market events that reach Bengal & Assam Company Limited, and how the effect spreads.

No recent market events reach this company.

Dividends, splits & big trades

Money paid out, share splits and buybacks, and big buys or sells by funds and insiders.

Dividends

1 Sep 2026unspecified₹50

Documents

Annual reports, results presentations and earnings calls, straight from the source.

Facts from company filings and exchange data. Not investment advice: nothing here tells you to buy or sell.