BIFC Bangladesh Industrial Fin. Co. Ltd.
Financial Institutions
Tk 3.7 as of 2026-11-12 14:01:15
Data completeness 60%
Score breakdown
Weights: consistency 30%, profitability 30%, solvency 20%, valuation 20%; then risk flags add or subtract points. Full method
Why this score
Strengths
- Ownership Institutions (39.49%) hold more than the public (22.16%)
Concerns
- Consistency Net loss in 5 of the last 5 years
- Consistency Dividend paid in only 0 of 5 years
- Profitability Average ROE only 5.7% (below 9%: capital not working hard)
- Profitability Last year was a net LOSS of Tk 74.35 cr
- Valuation No P/E: the company is loss-making
Notes
- Consistency EPS rose in 2 of 4 years (mixed)
- 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
- Thin trading (last day ~Tk 0.02 cr)
Valuation
52-week range
311.1% above the low, 53.2% 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
Dividends and safety
Size, liquidity and ownership
Shareholding
- Sponsor/director 38.4%
- Institution 39.5%
- Public 22.2%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | -9.78 | -106.83 | -99 | — | — |
| 2022 | -7.58 | -114.42 | -76 | — | — |
| 2023 | -5.66 | -119.45 | -57 | — | — |
| 2024 | -6.66 | -126.11 | -67 | — | — |
| 2025 | -7.38 | -133.58 | -74 | — | — |
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 1,032.1%, 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.