BSE:533095

Stock Analysis Report

Executive Summary

Bengal & Assam Company Limited operate as an investment company in India and internationally.


Snowflake Analysis

Proven track record second-rate dividend payer.

Share Price & News

How has Bengal & Assam's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: 533095's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

4.6%

533095

4.2%

IN Capital Markets

-0.07%

IN Market


1 Year Return

24.4%

533095

11.7%

IN Capital Markets

9.5%

IN Market

Return vs Industry: 533095 exceeded the Indian Capital Markets industry which returned 11.7% over the past year.

Return vs Market: 533095 exceeded the Indian Market which returned 9.5% over the past year.


Shareholder returns

533095IndustryMarket
7 Day4.6%4.2%-0.07%
30 Day-5.7%4.3%-0.7%
90 Day34.8%17.5%3.2%
1 Year25.2%24.4%13.4%11.7%11.5%9.5%
3 Year36.1%33.8%0.2%-3.7%23.6%16.7%
5 Year229.2%212.1%22.3%14.4%35.4%22.9%

Price Volatility Vs. Market

How volatile is Bengal & Assam's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Bengal & Assam undervalued compared to its fair value and its price relative to the market?

4.52x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: 533095 (₹1640.3) is trading above our estimate of fair value (₹971.6)

Significantly Below Fair Value: 533095 is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: 533095 is good value based on its PE Ratio (4.5x) compared to the Capital Markets industry average (11.2x).

PE vs Market: 533095 is good value based on its PE Ratio (4.5x) compared to the Indian market (13.3x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 533095's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: 533095 is overvalued based on its PB Ratio (0.6x) compared to the IN Capital Markets industry average (0.5x).


Next Steps

Future Growth

How is Bengal & Assam forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

22.2%

Forecasted Diversified Financials industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Bengal & Assam has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Bengal & Assam performed over the past 5 years?

17.2%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 533095 has high quality earnings.

Growing Profit Margin: 533095's current net profit margins (2.4%) are lower than last year (3.2%).


Past Earnings Growth Analysis

Earnings Trend: 533095's earnings have grown by 17.2% per year over the past 5 years.

Accelerating Growth: 533095's earnings growth over the past year (54.3%) exceeds its 5-year average (17.2% per year).

Earnings vs Industry: 533095 earnings growth over the past year (54.3%) exceeded the Capital Markets industry -5.6%.


Return on Equity

High ROE: 533095's Return on Equity (14.3%) is considered low.


Return on Assets


Return on Capital Employed


Next Steps

Financial Health

How is Bengal & Assam's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Inventory Level: 533095 has a high level of physical assets or inventory.

Debt Coverage by Assets: 533095's debt is not covered by short term assets (assets are 0.8x debt).


Financial Institutions Analysis

Asset Level: 533095's level of assets compared to its equity is low.

Allowance for Bad Loans: Insufficient data to determine if 533095 has a sufficient allowance for bad loans.

Low Risk Liabilities: 533095 reports no customer deposits, loans are made up entirely of externally borrowed funds.

Loan Level: Insufficient data to determine if 533095 has an acceptable proportion of non-loan assets held.

Low Risk Deposits: 533095 has advanced significantly more loans than the customer deposits it holds.

Level of Bad Loans: Insufficient data to determine if 533095 has an appropriate level of bad loans.


Next Steps

Dividend

What is Bengal & Assam's current dividend yield, its reliability and sustainability?

0.61%

Current Dividend Yield


Dividend Yield vs Market

company0.6%marketbottom25%0.6%markettop25%2.6%industryaverage1.6%forecastin3Yearsn/a

Current dividend yield vs market & industry

Notable Dividend: 533095's dividend (0.61%) is higher than the bottom 25% of dividend payers in the Indian market (0.59%).

High Dividend: 533095's dividend (0.61%) is low compared to the top 25% of dividend payers in the Indian market (2.58%).


Stability and Growth of Payments

Stable Dividend: 533095's dividend payments have been volatile in the past 10 years.

Growing Dividend: 533095's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (2.8%), 533095's dividend payments are thoroughly covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

6.8yrs

Average board tenure


CEO

Upendra Gupta (61yo)

11yrs

Tenure

₹11,960,000

Compensation

Shri. Upendra Kumar Gupta has been a Manager of Bengal & Assam Company Ltd. since February 2, 2009 and has been its Chief Financial Officer since April 1, 2014. Shri. Gupta served as Company Secretary of K ...


CEO Compensation Analysis

Compensation vs Market: Upendra's total compensation ($USD166.50K) is below average for companies of similar size in the Indian market ($USD302.42K).

Compensation vs Earnings: Upendra's compensation has increased by more than 20% in the past year.


Board Members

NamePositionTenureCompensationOwnership
Nagaraju Srirama
President of J.K. Fenner (India) Ltd and Director of J.K. Fenner (India) Ltd6.8yrsno datano data
Shailendra Swarup
Independent Director10.4yrs₹360.00kno data
Raghupati Singhania
Non Executive Director11yrs₹538.00k16.67% 3.1b
Vinita Singhania
Non Executive Director11yrs₹450.00k1.05% 194.4m
Bharat Singhania
Chairman6.8yrs₹682.00k11.75% 2.2b
Ashok Kinra
Non Executive Director6.7yrs₹610.00k1.6% 296.2m
Sanjeev Jhunjhunwala
Independent Director2.3yrs₹405.00kno data
Bakul Jain
Independent Director4.8yrs₹530.00k0.000070% 13.0k
Sanjay Khaitan
Independent Director4.1yrs₹630.00kno data

6.8yrs

Average Tenure

68yo

Average Age

Experienced Board: 533095's board of directors are considered experienced (6.8 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 24.4%.


Top Shareholders

Company Information

Bengal & Assam Company Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Bengal & Assam Company Limited
  • Ticker: 533095
  • Exchange: BSE
  • Founded: 1947
  • Industry: Asset Management and Custody Banks
  • Sector: Diversified Financials
  • Market Cap: ₹18.529b
  • Shares outstanding: 11.30m
  • Website: https://www.bengalassam.com

Location

  • Bengal & Assam Company Limited
  • Patriot House
  • 4th Floor
  • New Delhi
  • Delhi
  • 110002
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
533095BSE (Mumbai Stock Exchange)YesEquity SharesININRAug 2009

Biography

Bengal & Assam Company Limited operate as an investment company in India and internationally. The company invests in shares/securities/funding products. It is also involved in polymer, cotton yarn and fabric, dairy products, property rental, and other businesses. The company was formerly known as Bengal & Assam Investors Limited and changed its name to Bengal & Assam Company Limited in June 1982. Bengal & Assam Company Limited was incorporated in 1947 and is based in New Delhi, India. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/02/23 13:15
End of Day Share Price2020/02/20 00:00
Earnings2019/12/31
Annual Earnings2019/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.