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BCL Enterprises Ltd (BCLENTERPR) fair value: what the stock is really worth

As of Oct 1, 2026: fair value of BCL Enterprises Ltd ₹0.55, price ₹0.47, upside +17.0%, quality 28 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
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Financial Services · IN · ISIN INE368E01023

BE Thin data Sep 27, 2026

BCL Enterprises Ltd

BCLENTERPR · BSE

SpeculativeUpside exists, but weak quality makes the signal speculative.

Fair value ₹0.5500 · Undervalued (+17.0%)
Quality 28/100
Weak Growth (revenue 5y −29.6 %/yr in INR)
High debt
Negative free cash flow
Trails peers (1/6)
Narrow moat 0/100
Thin data

What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

₹64.35 ₹0.4600 Fair Value ₹0.5500 Jun 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.

How to read this chart

60‑month range ₹0.4600 – ₹64.35 · fair‑value band ₹0.4200 – ₹0.6900 · the ₹0.4700 price screens below the ₹0.5500 fair value. Dashed = 300-day average. As of Sep 27, 2026.

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Company profile

BCL Enterprises Limited, a non-banking financial company, engages in lending and advancing money to industrial, commercials, and other enterprises in India. It offers credit facilities to individuals and business clients; and business loans and working capital requirement of individual, body corporate, and other legal activities.

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BCL Enterprises Limited, a non-banking financial company, engages in lending and advancing money to industrial, commercials, and other enterprises in India. It offers credit facilities to individuals and business clients; and business loans and working capital requirement of individual, body corporate, and other legal activities. The company was formerly known as Balaji Commercial Limited and changed its name to BCL Enterprises Limited in December 2013. BCL Enterprises Limited was incorporated in 1985 and is based in New Delhi, India.

Stock analysis

BCL Enterprises Ltd (BCLENTERPR) currently trades at ₹0.4700, while our model-based Fair Value estimate is ₹0.5500, implying the stock looks roughly 14.5% undervalued today.

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Valuation

How firm this estimate is: it rests on 2 models at a data quality of 96/100, which puts the evidence level at low.

Scenario range: ₹0.4200 (bear) to ₹0.6900 (bull), the price of ₹0.4700 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 28/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

BCL Enterprises Ltd reported revenue of ₹12.2M in FY2026 versus ₹254M in FY2022, a compound −53.2%/yr. Reported net income was −₹58.8M in FY2026.

Key figures

Market cap ₹65.3M (≈ $678K) · EPS (TTM) ₹−1.09 · Return on equity −55.7% · Return on assets (EBIT) −2.2% · Operating margin 240% · Revenue (TTM) −₹11.8M · Revenue growth (YoY) −94.8% · Free cash flow −₹303M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).

What moves the price

The share trades about 41% below its 52-week high and 2% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at 17%, BCLENTERPR screens cheaper than that median.

Fair Value models

Bear ₹0.4200 Fair Value ₹0.5500 Bull ₹0.6900
Price ₹0.4700 · Upside +17.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
P/B Multiple ₹0.4200 ₹0.5500 ₹0.6900 55
NCAV (Graham) ₹0.3300 ₹0.4400 ₹0.6500 54
All 2 models by family
Multiples
P/B Multiple ₹0.4200 ₹0.5500 ₹0.6900 55
Asset-Based
NCAV (Graham) ₹0.3300 ₹0.4400 ₹0.6500 54

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Quality Score breakdown

Overall quality 28/100

Of which business quality 28 · Market factors (momentum, volatility) 28

Profitability 0
Margins and returns on capital today
Quality Growth 20
Are margins and returns improving?
Cashflow 33
Earnings quality: real cash, not paper profit
Fin. Strength 0
Balance sheet, leverage, solvency risk
Investment 67
Disciplined investing over empire-building
Low Volatility 58
Calm price path (market factor)
Momentum 23
Price trend over the last 3–12 months (market factor)
52W Momentum 3
Distance to the 52-week high (market factor)
Net Issuance 82
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 0/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−81.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−55.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−29.6%
Start year 2021 (pandemic)
Revenue growth 9 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−3.5%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
38.9% (2021) → −469.1% (2026)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2026 is a loss year, no rate is defined from a loss
not computed

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Compare BCL Enterprises Ltd with another stock

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Capital Markets · 448 stocks

Beats the industry median on 1/5 measures
Overall it trails its industry peers.
Valuation
Quality Score 28 · Bottom 25%
Fair Value upside +17.0% · Above median
Profitability
Return on assets −12.0% · Bottom 25%
Growth and dividend
Revenue growth −94.8% · Bottom 25%
Balance sheet
Debt / equity 9.53× · Highest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)56 · sector 35
FUTURE (revenue growth)0 · sector 76
PAST (return on equity)0 · sector 33
HEALTH (low debt)0 · sector 94
DIVIDEND (yield)0 · sector 44

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Capital Markets stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Morgan Stanley, a financial holding company, MS $188.08 $314.07 +67%
The Goldman Sachs Group GS $900.36 $766.86 −15%
The Charles Schwab Corporation SCHW $97.74 $118.07 +21%
Interactive Brokers Group IBKR $89.24 $23.12 −74%
Robinhood Markets, Inc HOOD $116.22 $47.77 −59%
Macquarie Group MQG A$245.63 A$80.51 −67%
CITIC Securities Company 600030 ¥26.29 ¥18.35 −30%
Guotai Haitong Securities Co 601211 ¥17.21 ¥19.35 +12%
East Money Information Co 300059 ¥18.28 ¥4.94 −73%
Nomura Holdings NMR $9.91 $10.19 +3%

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Cite: Fair Value Calculator (2026). "BCL Enterprises Ltd Fair Value". https://www.fairvalue-calculator.com/stock/BCLENTERPR

Frequently asked questions

Is BCL Enterprises Ltd (BCLENTERPR) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of ₹0.5500 versus a price of ₹0.4700, about +17% upside (undervalued).
What is the fair value of BCLENTERPR?
Our model-based fair value for BCL Enterprises Ltd is ₹0.5500 (as of Sep 27, 2026), built from audited fundamentals. The current price: ₹0.4700.
What is the quality score of BCLENTERPR?
BCL Enterprises Ltd has a Quality Score of 28/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for BCL Enterprises Ltd (BCLENTERPR)?
Our model-based price target is the fair value of ₹0.5500 (as of Sep 27, 2026) from 2 valuation models. Cautious scenario ₹0.4200, optimistic scenario ₹0.6900. It is a calculation from audited fundamentals, not an analyst target.
What is the BCL Enterprises Ltd stock forecast for 2026?
Our models put fair value at ₹0.5500, about +17% upside versus a price of ₹0.4700 (undervalued). Cautious scenario ₹0.4200, optimistic scenario ₹0.6900. The calculation is refreshed regularly with new filings.
What is the intrinsic value of BCL Enterprises Ltd (BCLENTERPR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For BCL Enterprises Ltd it is ₹0.5500 per share (as of Sep 27, 2026), against a price of ₹0.4700. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is BCL Enterprises Ltd stock overvalued or undervalued in 2026?
As of Sep 27, 2026, BCLENTERPR trades below its calculated fair value: price ₹0.4700, fair value ₹0.5500, a gap of about +17% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BCLENTERPR?
No. The price is what the market pays today (₹0.4700); the fair value is what the company's own numbers justify (₹0.5500). For BCL Enterprises Ltd the two are ₹0.0800 per share apart. That gap is exactly why we show both numbers side by side.
How much is BCL Enterprises Ltd worth?
The market values BCL Enterprises Ltd at about ₹65.3M (market capitalisation, as of Sep 27, 2026). Per share that is ₹0.4700; our models calculate a fair value of ₹0.5500 per share.
What do the bullish and bearish scenarios say about BCLENTERPR?
Our models span a range for BCL Enterprises Ltd: cautious scenario ₹0.4200, base ₹0.5500, optimistic ₹0.6900 per share (as of Sep 27, 2026, price ₹0.4700). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of BCL Enterprises Ltd (BCLENTERPR)?
Balance-sheet figures for BCL Enterprises Ltd (as of Sep 27, 2026): return on equity −55.7%, debt of 9.53 per unit of equity. They feed the Quality Score of 28/100, which measures business quality independently of the share price.
How far is BCLENTERPR from its 52-week high?
BCL Enterprises Ltd trades at ₹0.4700, about 41% below its 52-week high of ₹0.8000 and 2% above the low of ₹0.4600 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹0.5500 is for.
Which stocks are comparable to BCL Enterprises Ltd?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is BCL Enterprises Ltd stock attractive at the current price?
The data as of Sep 27, 2026: price ₹0.4700, calculated fair value ₹0.5500 (+17%), Quality Score 28/100, from 2 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BCLENTERPR calculated?
We run BCL Enterprises Ltd through 2 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹0.5500, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.9 % above its aggregate fair value. BCL Enterprises Ltd currently trades 15 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of BCL Enterprises Ltd (BCLENTERPR)?
The closing price on Oct 1, 2026 was ₹0.4700. Our model-based fair value is ₹0.5500, about +17% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with BCL Enterprises Ltd right now?
Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of BCL Enterprises Ltd

How large is the market capitalisation of BCL Enterprises Ltd (BCLENTERPR)?
The market capitalisation of BCL Enterprises Ltd is ₹65.3M (≈ $678K). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What are the earnings per share of BCL Enterprises Ltd (BCLENTERPR)?
Earnings per share at BCL Enterprises Ltd are ₹−1.09. Earnings per share over the last twelve months: total profit spread across every single share.
What is the return on equity of BCL Enterprises Ltd (BCLENTERPR)?
The return on equity (ROE) of BCL Enterprises Ltd is −55.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of BCL Enterprises Ltd (BCLENTERPR)?
On an EBIT basis the return on assets of BCL Enterprises Ltd is −2.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of BCL Enterprises Ltd (BCLENTERPR)?
The operating margin of BCL Enterprises Ltd is 240% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How much revenue does BCL Enterprises Ltd (BCLENTERPR) generate?
BCL Enterprises Ltd generates revenue of −₹11.8M (last twelve months). Revenue of the last twelve months (TTM), the most recent full year, not the calendar year.
How fast is revenue growing at BCL Enterprises Ltd (BCLENTERPR)?
Revenue at BCL Enterprises Ltd is growing −94.8% versus a year earlier (3y avg −55.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does BCL Enterprises Ltd (BCLENTERPR) generate?
The free cash flow of BCL Enterprises Ltd is −₹303M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does BCL Enterprises Ltd (BCLENTERPR) carry?
The net debt of BCL Enterprises Ltd is ₹724M (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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