BDFINANCE Bangladesh Finance And Investment Co.ltd.
Financial Institutions
Tk 11.5 as of 2026-11-12 14:06:44
Rank 277 of all scored
Data completeness 80%
Data completeness 80%
Override: Avoid. Negative net asset value.
Score breakdown
Consistency 31
Profitability 51
Solvency 17
Valuation 64
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 103.43% (efficient: above 13% for banks/insurers)
Concerns
- Consistency EPS rose in only 1 of 4 years (erratic or cyclical)
- Consistency Net loss in 2 of the last 5 years
- Profitability Net profit shrinking 3.3% a year
Notes
- Solvency Bank/insurer: NPL and capital-adequacy are not in the data, so solvency is estimated from earnings stability
- Valuation P/E 9.43 is fair
Risk flags
- Category Z (poor/defaulting: gambling favourite, avoid for long-term)
- Mid cap (Tk 200-1,000 cr)
- Thin trading (last day ~Tk 0.15 cr)
- Low sponsor/director holding (14.54%): weak commitment
- Current P/E is well above trailing P/E: the latest quarter's EPS fell
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
21.1% above the low, 26.3% 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 14.5%
- Institution 23.6%
- Public 61.9%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 1.44 | 17.73 | 26 | 6 | 6 |
| 2022 | 1.25 | 17.41 | 24 | 10 | 0 |
| 2023 | -5.6 | 11.53 | -105 | — | — |
| 2024 | -41.61 | -30.05 | -783 | — | — |
| 2025 | 1.19 | -29.07 | 22 | — | — |
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 191.1%, 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.