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Bengal & Assam Company Ltd.

•
bengalassam.comBSE: 533095NSE: BENGALASM
Market Cap₹ 7,091 Cr.
Current Price
High / Low₹ 7,268 / 5,855
Stock P/E9.3
Book Value₹ 9,432
Price to Book0.58
Dividend Yield0.80 %
ROCE3.9 %
ROE2.8 %
Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Polymer & Textile: 71.0% • Others: 20.1% • Tyre: 3.3%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence
84%
View full sector analysis →

PROS

  • Solid return on assets for a lender - ROA of 9.2%
  • Asset quality is healthy - gross NPA of just 0.0%
  • Company has consistently been profitable over the last 5 years
  • Operating margins have improved to 16.1% from 10.1%
  • Company has a consistent dividend-paying track record
  • Company generates healthy free cash flow

CONS

  • Recent results are weak - TTM profit is down 25.3% versus prior year
  • A large part of profit comes from other income (31.4% of PBT)
  • Company's sales have been declining over the last five years
  • Company has delivered a poor profit growth of -6.3% over past five years
  • Recurring exceptional / one-off items are inflating headline profit

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.BAJFINANCE1055.0032.35656838.180.576080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1029.9521.41242345.541.053452.7759.9013400.4317.4611.4974.63
3.TATACAP367.8028.89156126.280.1516281.801464.1688219.301051.008.6675.72
4.CHOLAFIN1824.9027.10155858.500.111656.2245.568856.2921.899.7070.07
5.JIOFIN233.5074.61154183.360.26830.25155.732004.47227.282.1169.71
6.BAJAJHLDNG11055.6013.89123041.651.762708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2896.7010.23116293.371.042824.8443.088671.6036.2515.8783.76
8.ABCAPITAL396.2026.43108461.670.001223.8543.8512179.54137.848.8241.91
9.LTF308.5024.3077320.980.89915.9930.705212.9222.388.5462.13
10.SBICARD668.5527.9663622.100.37664.4419.515040.557.6011.7529.83
11.HDBFS682.7026.0756716.320.59785.2038.314937.9018.719.0957.98
12.BENGALASM6217.959.307090.890.80196.54-92.39632.9616383.443.9535.65
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
4,1964,3263,7345023112450341174607633
3,7103,6973,224413445432421428472451494576563
Operating Profit5396746,3441108315793931011911755226
OPM %12.86%15.58%169.90%21.88%3033.70%140.03%2627.04%18.39%2624.74%164.03%440.16%9.04%35.65%
Other Income13171829172427312739332025
Interest12911910610101011131213111412
Depreciation12012211417171717171616161716
2994523,246111731548093992013344222
Tax %33.42%32.18%11.35%25.18%28.30%20.15%29.03%28.04%27.82%19.66%22.34%41.62%11.61%
Net Profit00002,5641281,4012,3052,5842261,5572,037197
2642842,62227521811211719621719213517816

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
1,4851,50812,50811,11110,40013,57616,49212,9172,1282,3771,361
1,2611,35411,1549,8438,93012,27814,90311,0441,7271,9932,084
Operating Profit2241541,3541,2691,4701,2971,5891,873401383-724
OPM %15.08%10.23%10.82%11.42%14.14%9.56%9.63%14.50%18.85%16.13%-53.19%
3937-4-759160222,975111109106
Interest5242574609505450488366445050
Depreciation4042367423428428456373686565
Profit before Tax1711084091616294796674,109400377500
Tax %23.92%28.57%34.07%-84.95%37.65%34.52%32.12%15.63%25.24%24.61%18.19%
Net Profit130772692983923144533,467299284409
EPS0.000.000.000.00450.07555.74830.103445.52648.25721.96—
Dividend Payout %2.65%4.32%2.23%3.72%1.67%2.70%3.01%1.16%7.71%6.93%—

COMPOUNDED SALES GROWTH

10 Years:
6%
5 Years:
-26%
3 Years:
-48%

COMPOUNDED PROFIT GROWTH

10 Years:
13%
5 Years:
10%
3 Years:
-4%

STOCK PRICE CAGR

10 Years:
—
5 Years:
—
3 Years:
—
1 Year:
—

RETURN ON EQUITY

10 Years:
11%
5 Years:
14%
3 Years:
18%
Last Year:
3%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions

2026

Sep 1

₹ 5

Rs.50.0000 per share(500%)Dividend

2025

Sep 22

₹ 5

Rs.50.0000 per share(500%)Dividend

2024

Sep 12

₹ 4

Rs.40.0000 per share(400%)Final Dividend

2023

Sep 5

₹ 2.50

Rs.25.0000 per share(250%)Final Dividend

2022

Aug 30

₹ 1.50

Rs.15.0000 per share(150%)Final Dividend

2021

Aug 30

₹ 0.75

Rs.7.5000 per share(75%)Dividend

2020

Mar 23

₹ 1.50

Interim Dividend

2019

Aug 19

₹ 1

Rs.10.0000 per share(100%)Dividend

2018

Aug 28

₹ 1

Rs.10.0000 per share(100%)Dividend

2017

Aug 16

₹ 1

Rs.10.0000 per share(100%)Dividend

2016

Mar 21

₹ 1

Interim Dividend

2015

Sep 11

₹ 0.70

Rs.7.0000 per share(70%)Dividend

2026

Aug 12

₹ 5

Rs.50.0000 per share(500%)Dividend

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital99811111111111111
Minority Interest731471,2741,3111,5011,5891,976178199218
1,8132,0052,9913,3633,9044,5335,5029,0529,75010,676
5053806,9536,6255,8606,3246,092487622715
Trade Payables87861,7841,8531,7822,4102,019170189251
1511511,2011,1371,3841,3581,625539565555
Total Liabilities2,6372,77714,21114,30014,44316,22617,22610,43711,33612,426
3663916,7016,8106,6476,8126,903438457466
Capital Work in Progress20112802873151302155845
1,7031,9841,8192,0852,4232,7493,6029,0909,86910,804
73801,9631,9152,1052,8502,642378364381
0000000332373450
Cash & Bank6102392323083393132784104
4693013,2092,9702,6443,3473,551168181177
Total Assets2,6372,77714,21114,30014,44316,22617,22610,43711,33612,426

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
1621441,1211,5661,8934791,6451,817294252
Cash from Investing54-163-367-336-201-188-650-1,260-286-202
Cash from Financing-17264-567-1,195-1,542-144-778-59039-30
-5359-3031189-334821

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
73.0173.0173.0173.0173.1172.8772.8772.8772.87
4.314.554.574.554.474.424.434.434.41
0.010.010.010.010.010.010.010.000.00
Government0.000.000.000.000.000.000.000.000.00
22.6722.4222.4022.4222.4222.7022.6922.6922.71

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

No announcements filed.

News

Recent coverage and analyst commentary for BENGALASM

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