BAYLEASING Bay Leasing & Investment Limited
Financial Institutions
Tk 4.6 as of 2026-11-12 14:00:00
Rank 293 of all scored
Data completeness 60%
Data completeness 60%
Override: Avoid. Negative net asset value.
Score breakdown
Consistency 10
Profitability 100
Solvency 17
Valuation 0
Weights: consistency 30%, profitability 30%, solvency 20%, valuation 20%; then risk flags add or subtract points. Full method
Why this score
Strengths
- Profitability Average ROE 62.58% (efficient: above 13% for banks/insurers)
Concerns
- Consistency EPS rose in only 1 of 4 years (erratic or cyclical)
- Consistency Net loss in 5 of the last 5 years
- Consistency Dividend paid in only 0 of 5 years
- Profitability Last year was a net LOSS of Tk 96.84 cr
- Valuation No P/E: the company is loss-making
Notes
- Solvency Bank/insurer: NPL and capital-adequacy are not in the data, so solvency is estimated from earnings stability
Risk flags
- Category Z (poor/defaulting: gambling favourite, avoid for long-term)
- Small cap (< Tk 200 cr): most exposed to manipulation and volatility
Valuation
P/E
P/E audited
P/E current
P/B
NAV per share
EPS (last audited year)
Graham fair value
Margin of safety
52-week range
84% above the low, 30.3% below the high. Near the low is only interesting if profit is intact (see concerns above) and the fall has a temporary cause.
Quality and growth
ROE
ROE avg
ROE min
Profit CAGR
Profit YoY
Net profit
EPS up
Loss years (last ~5)
Dividends and safety
Div years
Dividend yield
Payout
Cash div
D/E
Their loans are deposits; NPL data is not available
Loans/MCap
Size, liquidity and ownership
MCap
Free float
Daily turnover
Sponsor %
Inst. %
Public %
Foreign %
Shareholding
- Sponsor/director 18.3%
- Institution 24%
- Public 57.7%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | -0.99 | 17.82 | -14 | — | — |
| 2022 | -5.88 | 11.93 | -83 | — | — |
| 2023 | -5.88 | 6.01 | -83 | — | — |
| 2024 | -31.16 | -25.2 | -439 | — | — |
| 2025 | -6.87 | -19.65 | -97 | — | — |
Fiscal year ends December. EPS, NAV and profit are as audited by the company and published by DSE. Financials last fetched: 14/11/2026.
Shariah screen (partial)
Business screen and the debt ratio (loans / market cap 663.9%, limit 33%) are automated. Interest income (under 5% of revenue) and cash/investment ratios must be checked in the annual report.
Educational, not investment advice. Verify on DSE and StockNow before making any decision.