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Banas Finance Ltd

NSE: BSE: 509053

6.16

(-0.16%)

Thu, 19 Mar 2026, 01:34 pm

Banas Finance Analysis

dividend

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Pros

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    Cons

    • Unable to evaluate Banas Finance's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
    • Unable to evaluate Banas Finance's dividend against the top 25% market benchmark as the company has not reported any payouts.

    health

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    Pros

    • Banas Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
    • Banas Finance is profitable, therefore cash runway is not a concern.
    • Banas Finance is profitable, therefore cash runway is not a concern.
    • Debt is covered by short term assets, assets are 5x debt.
    • Banas Finance has no long term commitments.
    • The level of debt compared to net worth has been reduced over the past 5 years (25.9% vs 24.6% today).
    • Banas Finance's level of debt (24.6%) compared to net worth is satisfactory (less than 40%).
    • Low level of unsold assets.
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    Cons

    • Debt is not well covered by operating cash flow (4.9%, less than 20% of total debt).

    management

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    Pros

    • The tenure for the Banas Finance board of directors is about average.
    • Amit's remuneration is lower than average for companies of similar size in India.
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    Cons

    • The average tenure for the Banas Finance management team is less than 2 years, this suggests a new team.

    misc

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    Pros

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      Cons

      • Banas Finance is not covered by any analysts.
      • Banas Finance has significant price volatility in the past 3 months.

      past

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      Pros

      • Banas Finance has delivered over 20% year on year earnings growth in the past 5 years.
      • Banas Finance used its assets more efficiently than the IN Diversified Financial industry average last year based on Return on Assets.
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      Cons

      • Banas Finance has become profitable in the last year making the earnings growth rate difficult to compare to the 5-year average.
      • Banas Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
      • Banas Finance has become profitable in the last year making it difficult to compare the IN Diversified Financial industry average.

      value

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      Pros

      • Banas Finance is good value based on assets compared to the IN Diversified Financial industry average.
      • Banas Finance is good value based on earnings compared to the IN Diversified Financial industry average.
      • Banas Finance is good value based on earnings compared to the India market.
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      Cons

      • 509053 underperformed the Diversified Financial industry which returned -37.3% over the past year.
      • 509053 underperformed the Market in India which returned -14.5% over the past year.
      • BSE:509053 is up 1.3% underperforming the Diversified Financial industry which returned 10.8% over the past month.
      • BSE:509053 is up 1.3% underperforming the market in India which returned 8% over the past month.

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      Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800