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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
BF Investment Limited is an India-based non deposit taking core investment company. The Company is primarily engaged in the business of investment and financing.
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A high-quality, stagnant business, reasonably priced.
BF Investment is scored on the nbfc / financials framework.
Over the last 3 years revenue compounded at 35%/yr and profit at 3%/yr. Book value itself has compounded 22%/yr — the hallmark of a genuine compounder. Return on equity is a weak 3.3%. In the latest quarter profit grew 28% versus the prior quarter.
At 5× earnings, the stock sits at the 21st percentile of its own 3.6-year range — the cheap end of where it has historically traded. Today's price asks for only ~-15%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 3.92 | — | — |
| P/B | 0.18 | — | — |
| EV/EBITDA | 1.85 | — | — |
| ROE | 3.3 | 4.84 | worse |
| ROCE | 4.4 | — | — |
| ROA | 4.15 | — | — |
| Quick Ratio | 42.44 | 69.54 | worse |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 35% CAGR over 3 years — high-growth territory. Growth is decelerating — latest year grew slower than the year before.
Revenue is outpacing profit (35% vs 3%) — costs are rising faster than the top line.
ROE at 3% — modest; the capital isn't working hard. Low variance across years — a predictable business that earns steadily on its equity base.
3% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
1 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Cash conversion at 0.1× PAT — reported profit isn't translating into cash, raising earnings quality questions.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue fell 70% QoQ — could be seasonality or a genuine slowdown. Wide quarterly swings (73% spread) — likely seasonality, lumpy orders, or project-based revenue. Run-rate stepping up — recent quarters average 65% above earlier ones.
Profit jumped 28% QoQ — check if this is operating leverage or a one-off item. Quarterly net margins are expanding (206% → 1294%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold 74.1% — heavily owner-operated with strong skin in the game.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.