Balmer Lawrie Investments Ltd.

•

blinv.comBSE: 532485NSE: BLIL

Market Cap₹ 1,607 Cr.

Current Price

High / Low₹ 80 / 67

Stock P/E9.0

Book Value₹ 67

Price to Book1.01

Dividend Yield0.00 %

ROCE26.9 %

ROE19.7 %

Face Value₹ 1

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ABOUT

KEY POINTS

Revenue Breakup Mar 2025 • Industrial Packaging: 30.9% • Greases and Lubricants: 23.7% • Logistic Services: 20.3%

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 71.7%
Company has a healthy return on capital (ROCE) of 27.1%
Company has a good return on equity (ROE) track record: 3 Years ROE 20.3%
Company has consistently been profitable over the last 5 years
Company has been maintaining a healthy dividend payout of 53.5%

CONS

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

Peer comparison

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJFINANCE	1055.00	32.35	656838.18	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1029.95	21.41	242345.54	1.05	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	TATACAP	367.80	28.89	156126.28	0.15	16281.80	1464.16	88219.30	1051.00	8.66	75.72
4.	CHOLAFIN	1824.90	27.10	155858.50	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
5.	JIOFIN	233.50	74.61	154183.36	0.26	830.25	155.73	2004.47	227.28	2.11	69.71
6.	BAJAJHLDNG	11055.60	13.89	123041.65	1.76	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2896.70	10.23	116293.37	1.04	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	396.20	26.43	108461.67	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	308.50	24.30	77320.98	0.89	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	668.55	27.96	63622.10	0.37	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	682.70	26.07	56716.32	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	BLIL	72.38	8.96	1606.64	0.00	72.59	4.57	751.14	25276.39	26.90	15.51

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	594	587	587	579	3	3	3	611	3	3	2	746	751
	528	511	511	507	574	569	547	514	598	568	571	630	682
Operating Profit	67	77	76	106	66	73	86	97	86	70	88	116	117
OPM %	11.22%	13.04%	12.91%	18.33%	2520.15%	2592.14%	3011.85%	15.87%	2898.99%	2271.20%	3549.80%	15.56%	15.51%
Other Income	10	13	11	18	12	11	9	18	9	11	7	20	11
Interest	6	5	5	6	6	5	9	6	7	7	10	10	13
Depreciation	15	14	14	15	14	14	15	16	14	16	18	28	20
	56	70	67	103	58	65	70	93	74	58	67	98	95
Tax %	22.59%	30.56%	23.76%	26.77%	20.10%	30.17%	29.02%	34.54%	27.02%	30.61%	28.23%	31.47%	23.29%
Net Profit	0	0	0	75	65	63	64	75	69	57	67	85	73
	17	18	19	2	2	2	2	0	2	2	2	0	0

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	1,783	1,543	1,536	2,061	2,328	2,348	2,526	2,728	1,503
	1,554	1,350	1,416	1,895	2,133	2,070	2,210	2,379	2,451
Operating Profit	229	193	120	166	195	278	316	349	-948
OPM %	12.85%	12.52%	7.81%	8.05%	8.38%	11.85%	12.51%	12.79%	-63.07%
	63	55	77	45	50	86	56	58	48
Interest	7	15	12	14	18	22	27	33	40
Depreciation	30	52	55	57	57	59	60	76	81
Profit before Tax	254	182	162	186	232	319	350	365	318
Tax %	34.50%	31.64%	25.68%	26.13%	25.56%	24.23%	23.87%	23.99%	28.19%
Net Profit	167	124	121	137	172	242	267	278	228
EPS	0.00	0.00	35.92	39.75	49.98	69.62	7.73	8.04	—
Dividend Payout %	58.71%	78.74%	105.80%	75.47%	66.03%	54.58%	55.61%	53.51%	—

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: 12%
3 Years:: 5%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: 17%
3 Years:: 17%

STOCK PRICE CAGR

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

RETURN ON EQUITY

10 Years:: —
5 Years:: 18%
3 Years:: 20%
Last Year:: 20%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	22	22	22	22	22	22	22	22
Minority Interest	632	638	628	634	706	774	772	805
	1,052	1,081	1,076	1,094	1,117	1,199	1,354	1,417
	80	112	123	118	113	96	105	205
Trade Payables	293	222	271	273	304	315	298	345
	341	405	406	435	534	617	650	720
Total Liabilities	2,420	2,480	2,527	2,575	2,798	3,022	3,201	3,514
	567	769	767	766	759	750	736	882
Capital Work in Progress	117	24	32	11	27	52	67	34
	326	376	386	436	518	565	632	730
	143	145	160	201	205	193	193	169
	0	0	0	0	0	427	479	535
Cash & Bank	584	597	675	541	584	673	619	613
	683	569	507	620	705	362	476	552
Total Assets	2,420	2,480	2,527	2,575	2,798	3,022	3,201	3,514

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	264	246	279	70	251	280	164	294
Cash from Investing	-137	-60	-80	137	-48	-117	9	-35
Cash from Financing	-61	-159	-153	-148	-145	-172	-183	-265
	-21	-32	14	12	13	-9	-10	-5

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	59.67	59.67	59.67	59.67	59.67	59.67	59.67	59.67	59.67
	1.33	1.31	1.14	1.12	1.10	1.10	1.06	1.06	0.95
	0.14	0.02	0.02	0.07	0.03	0.03	0.03	0.03	0.03
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	38.85	38.99	39.16	39.13	39.20	39.19	39.24	39.24	39.34

Documents

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

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