DSE : BAYLEASING
Bay Leasing & Investment Limited — Financial statements
Miscellaneous business Credit Institutions · Bangladesh
Last price 4.2 BDT (At close: Oct 29, 2026) · Market cap 591.73M
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest and Dividend Income | 360.93M | 492.96M | 522.59M | 654.46M | 791.47M | 1.59B |
| Total Interest Expense | 846.64M | 982.19M | 1.04B | 843.40M | 870.26M | 1.05B |
| Net Interest Income | -485.71M | -489.23M | -522.18M | -188.94M | -78.80M | 545.03M |
| Commissions and Fees | 16.13M | 15.01M | 23.69M | 31.35M | 68.60M | 81.53M |
| Other Revenue | 1.47M | 1.47M | 2.26M | 1.53M | 3.08M | 5.16M |
| Revenue Before Loan Losses | -468.11M | -472.75M | -496.22M | -156.06M | -7.12M | 631.71M |
| Provision for Loan Losses | -60.66M | 37.38M | 1.45B | 524.12M | 549.16M | 380.75M |
| Revenue | -407.45M | -510.12M | -1.94B | -680.17M | -556.28M | 250.96M |
| Salaries & Employee Benefits | 61.08M | 66.11M | 75.31M | 73.26M | 73.20M | 72.69M |
| Cost of Services Provided | 16.46M | 18.66M | 22.00M | 25.14M | 27.57M | 23.54M |
| Other Operating Expenses | 238.02M | 329.91M | 2.24B | 4.70M | 6.22M | 4.52M |
| Total Operating Expenses | 346.09M | 446.26M | 2.37B | 135.35M | 140.67M | 136.82M |
| Operating Income | -753.55M | -956.38M | -4.31B | -815.52M | -696.95M | 114.15M |
| EBT Excluding Unusual Items | -753.55M | -956.38M | -4.31B | -815.52M | -696.95M | 114.15M |
| Gain (Loss) on Sale of Investments | 532.13K | 532.13K | -56.28M | 12.52M | -62.23M | -196.46M |
| Pretax Income | -753.01M | -955.84M | -4.37B | -803.02M | -759.22M | -82.32M |
| Income Tax Expense | 13.39M | 12.57M | 19.55M | 25.08M | 69.24M | 56.85M |
| Earnings From Continuing Ops. | -766.40M | -968.41M | -4.39B | -828.10M | -828.47M | -139.17M |
| Minority Interest in Earnings | 3.86K | 4.01K | 4.01K | -48.00 | -350.00 | -33.00 |
| Net Income | -766.40M | -968.41M | -4.39B | -828.10M | -828.47M | -139.17M |
| Net Income to Common | -766.40M | -968.41M | -4.39B | -828.10M | -828.47M | -139.17M |
| Shares Outstanding (Basic) | 140.70M | 140.89M | 140.89M | 140.89M | 140.89M | 140.89M |
| Shares Outstanding (Diluted) | 140.70M | 140.89M | 140.89M | 140.89M | 140.89M | 140.89M |
| EPS (Basic) | -5.45 | -6.87 | -31.16 | -5.88 | -5.88 | -0.99 |
| EPS (Diluted) | -5.45 | -6.87 | -31.16 | -5.88 | -5.88 | -0.99 |
| Free Cash Flow | -341.23M | -314.14M | 61.92M | -380.58M | 536.79M | -92.40M |
| Free Cash Flow Per Share | -2.42 | -2.23 | 0.44 | -2.70 | 3.81 | -0.66 |
| Operating Margin | 45.48% | |||||
| Profit Margin | -55.46% | |||||
| Free Cash Flow Margin | -36.82% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 236.30M | 107.79M | 125.46M | 136.55M | 133.74M | 193.05M |
| Long-Term Investments | 949.93M | 970.29M | 1.01B | 1.22B | 1.44B | 2.12B |
| Loans & Lease Receivables | 10.27B | 10.25B | 10.12B | 10.61B | 10.82B | 12.15B |
| Other Receivables | 995.81K | 11.10M | 21.92M | 52.27M | 105.59M | |
| Property, Plant & Equipment | 1.30B | 1.36B | 1.39B | 1.41B | 1.43B | 1.41B |
| Other Intangible Assets | 4.90M | 5.89M | 7.27M | 11.80M | 9.01M | |
| Other Current Assets | 213.53M | 720.09M | 944.44M | 1.25B | 1.04B | |
| Other Long-Term Assets | 211.30M | 34.55M | 39.87M | 69.05M | 107.52M | 163.84M |
| Total Assets | 12.96B | 12.94B | 13.43B | 14.42B | 15.24B | 17.19B |
| Interest Bearing Deposits | 4.94B | 4.87B | 5.04B | 5.09B | 5.63B | 6.31B |
| Total Deposits | 4.94B | 4.87B | 5.04B | 5.09B | 5.63B | 6.31B |
| Accrued Expenses | 235.47M | 242.65M | 237.13M | 162.09M | 232.20M | |
| Long-Term Debt | 4.10B | 4.30B | 4.52B | 5.12B | 5.27B | 6.50B |
| Long-Term Leases | 5.63M | 8.04M | 434.95K | 753.06K | 4.13M | |
| Current Income Taxes Payable | 107.00M | 103.00M | 88.00M | 107.00M | 107.00M | |
| Other Current Liabilities | 3.68M | 3.68M | 3.73M | 22.35M | 33.70M | |
| Long-Term Deferred Tax Liabilities | 6.23M | 4.75M | 3.94M | 3.51M | 5.52M | |
| Pension & Post-Retirement Benefits | 26.12M | 32.03M | 27.86M | 29.90M | 29.76M | |
| Other Long-Term Liabilities | 6.92B | 6.15B | 7.03B | 3.00B | 2.33B | 1.46B |
| Total Liabilities | 15.95B | 15.71B | 16.98B | 13.57B | 13.56B | 14.68B |
| Common Stock | 1.41B | 1.41B | 1.41B | 1.41B | 1.41B | 1.41B |
| Additional Paid-In Capital | 121.12M | 121.12M | 121.12M | 121.12M | 121.12M | 121.12M |
| Retained Earnings | -4.82B | -4.59B | -5.38B | -989.39M | -161.41M | 661.83M |
| Comprehensive Income & Other | 294.83M | 294.83M | 300.55M | 306.41M | 312.43M | 318.61M |
| Total Common Equity | -2.99B | -2.77B | -3.55B | 847.03M | 1.68B | 2.51B |
| Minority Interest | 1.58K | 2.04K | 6.05K | 10.06K | 10.01K | 10.06K |
| Shareholders' Equity | -2.99B | -2.77B | -3.55B | 847.04M | 1.68B | 2.51B |
| Total Liabilities & Equity | 12.96B | 12.94B | 13.43B | 14.42B | 15.24B | 17.19B |
| Total Debt | 4.10B | 4.31B | 4.52B | 5.12B | 5.27B | 6.51B |
| Net Cash (Debt) | -3.86B | -4.20B | -4.40B | -4.99B | -5.14B | -6.31B |
| Net Cash Per Share | -27.46 | -29.81 | -31.21 | -35.40 | -36.45 | -44.81 |
| Filing Date Shares Outstanding | 140.89M | 140.89M | 140.89M | 140.89M | 140.89M | 140.89M |
| Total Common Shares Outstanding | 140.89M | 140.89M | 140.89M | 140.89M | 140.89M | 140.89M |
| Working Capital | 5.57B | 5.36B | 5.59B | 6.30B | 6.34B | 6.80B |
| Book Value Per Share | -21.24 | -19.65 | -25.20 | 6.01 | 11.93 | 17.82 |
| Tangible Book Value | -2.99B | -2.77B | -3.56B | 839.75M | 1.67B | 2.50B |
| Tangible Book Value Per Share | -21.24 | -19.69 | -25.24 | 5.96 | 11.85 | 17.75 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -766.40M | -968.41M | -4.39B | -828.10M | -828.47M | -139.17M |
| Depreciation & Amortization | 28.83M | 29.88M | 33.40M | 31.85M | 33.15M | 35.73M |
| Other Amortization | 1.14M | 1.14M | ||||
| Change in Other Net Operating Assets | -149.02M | -66.45M | 535.90M | -386.56M | -244.47M | -637.99M |
| Other Operating Activities | 545.24M | 690.69M | 3.89B | 811.07M | 1.63B | 673.05M |
| Operating Cash Flow | -340.21M | -313.15M | 67.21M | -371.75M | 589.85M | -68.39M |
| Capital Expenditures | -1.03M | -993.98K | -5.30M | -8.84M | -53.06M | -24.02M |
| Sale of Property, Plant & Equipment | 140.00M | 215.00K | 284.00K | 188.09K | 149.96K | 119.20K |
| Investment in Securities | 8.21M | 37.63M | 206.86M | 188.59M | 599.67M | 521.31M |
| Other Investing Activities | 1.00 | 277.96M | ||||
| Investing Cash Flow | 147.18M | 36.85M | 201.84M | 179.94M | 546.76M | 775.37M |
| Short-Term Debt Issued | 17.08M | |||||
| Long-Term Debt Issued | 401.50M | 215.03M | 213.33M | |||
| Total Debt Issued | 839.89M | 401.50M | 215.03M | 17.08M | 213.33M | |
| Short-Term Debt Repaid | -662.83M | -748.35M | -1.22B | -680.56M | ||
| Long-Term Debt Repaid | -86.56M | -81.27M | ||||
| Total Debt Repaid | -989.38M | -662.83M | -748.35M | -86.56M | -1.22B | -761.83M |
| Net Debt Issued (Repaid) | -149.49M | -261.33M | -533.32M | -69.49M | -1.01B | -761.83M |
| Common Dividends Paid | -52.85K | -44.92K | -44.92K | -18.69M | -150.37M | |
| Other Financing Activities | 8.58M | |||||
| Financing Cash Flow | -149.54M | -261.38M | -533.36M | -88.18M | -999.55M | -912.20M |
| Net Cash Flow | -342.57M | -537.67M | -264.31M | -279.98M | 137.07M | -205.22M |
| Free Cash Flow | -341.23M | -314.14M | 61.92M | -380.58M | 536.79M | -92.40M |
| Free Cash Flow Margin | -36.82% | |||||
| Free Cash Flow Per Share | -2.42 | -2.23 | 0.44 | -2.70 | 3.81 | -0.66 |
| Cash Interest Paid | 872.26M | 987.47M | 1.14B | 859.77M | 1.03B | 1.10B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 591.73M | 450.84M | 986.22M | 3.37B | 3.37B | 4.37B |
| PS Ratio | -0.88 | -0.51 | -4.95 | -6.05 | 17.40 | |
| PB Ratio | -0.16 | -0.28 | 3.98 | 2.00 | 1.74 | |
| P/FCF Ratio | 15.93 | 6.27 | ||||
| P/OCF Ratio | 14.67 | 5.71 | ||||
| Debt / Equity Ratio | -1.37 | -1.56 | -1.27 | 6.05 | 3.13 | 2.59 |
| Debt / FCF Ratio | 73.06 | 9.82 | ||||
| Net Debt / Equity Ratio | -1.29 | -1.52 | -1.24 | 5.89 | 3.06 | 2.52 |
| Net Debt / FCF Ratio | -11.32 | -13.37 | 71.03 | -13.11 | 9.57 | -68.32 |
| Quick Ratio | 2.13 | 1.99 | 1.90 | 1.99 | 1.86 | 1.86 |
| Current Ratio | 2.13 | 2.03 | 2.04 | 2.16 | 2.07 | 2.02 |
| Asset Turnover | 0.01 | |||||
| Return on Equity (ROE) | -65.51% | -39.53% | -5.25% | |||
| Return on Assets (ROA) | -5.86% | -7.34% | -31.53% | -5.58% | -5.11% | -0.82% |
| Return on Invested Capital (ROIC) | -12.62% | -8.73% | 1.27% | |||
| Earnings Yield | -129.70% | -214.80% | -445.12% | -24.59% | -24.60% | -3.19% |
| FCF Yield | -57.67% | -69.68% | 6.28% | -11.30% | 15.94% | -2.12% |