BV Financial Inc (BVFL) Financials

$21.58

$-0.19 (-0.87%)

As on 04-Sep-2026 16:01EDT

Market cap

$183 Mln

Revenue (TTM)

$52 Mln

P/E Ratio

14.6

P/B Ratio

1

Div. Yield

0 %

Annual
Quarterly

Income Statement ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-17	Dec-16	Dec-15
Operating Revenue	51.80	52.44	49.20	46.99	38.77	31.75
Cost of Revenue	10.87	12.27	11.29	9.15	4.47	4.31
Gross Profit	40.93	40.17	37.90	37.84	34.30	27.44
Operating Expenses	24.34	23.20	21.50	19.22	19.75	14.62
Operating Profit (EBIT)	16.60	16.98	16.41	18.62	14.55	12.82
Other Income	--	--	--	--	--	--
Profit before Tax	19.01	18.86	16.41	18.62	14.55	12.82
Provision for Tax	5.92	5.37	4.68	4.92	4.03	3.38
Profit after Tax (Net Income)	13.09	13.49	11.72	13.71	10.52	9.44
Minority Interest	--	--	--	--	--	--
Consolidated Profit	--	--	--	--	10.52	9.44

Liabilities ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-17	Dec-16	Dec-15
Shareholder's Funds	183.20	183.80	195.50	199.07	97.75	83.45
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	694.57	52.32	64.83	52.07	62.59	51.66
Current Liabilities	0.19	676.09	651.49	634.12	684.62	680.03
Total Liabilities	878.14	912.21	911.82	885.25	844.96	815.13

Assets ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-17	Dec-16	Dec-15
Non-Current Assets	866.27	828.23	811.72	773.45	740.33	663.56
Current Assets	11.68	83.99	100.10	111.80	104.64	151.57
Total Assets	889.64	912.21	911.82	885.25	844.96	815.13
Total Debt*	0.63	35.00	49.88	37.25	49.04	36.83
Net Current Assets	--	--	--	--	--	--

Cashflow ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-17	Dec-16	Dec-15
Cash From Operating Activities	--	19.02	16.06	15.19	9.72	10.58
Cash Flow from Investing Activities	--	-13.29	-32.50	-35.17	-27.76	17.45
Cash from Financing Activities	--	-20.53	13.19	25.07	-24.49	-8.83
Net Cash Inflow / Outflow	--	--	--	--	--	--

Financials Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-17	Dec-16	Dec-15
Adjusted EPS ($)	1.48	1.57	1.08	1.28	1.31	1.31
Cash EPS ($)	--	1.67	1.17	1.37	1.44	1.34
Adjusted Book Value ($)	--	21.43	18.04	18.52	12.17	11.59
Dividend per Share ($)	--	--	--	--	--	--
Cash Flow per Share ($)	--	2.22	1.48	1.41	1.21	1.47
Free Cash Flow per Share ($)	--	2.19	1.43	1.40	1.15	1.41

Profitability Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-17	Dec-16	Dec-15
ROCE (%)	--	5.81	4.87	7.16	7.88	7.58
ROE (%)	7.13	7.12	5.94	9.24	11.62	11.99
ROA (%)	1.39	1.48	1.30	1.58	1.27	1.16
EBIT Margin (%)	22.90	32.39	33.35	39.63	37.54	40.39
Net Margin (%)	25.27	25.73	23.83	29.17	27.15	29.74
Cash Profit Margin (%)	0.00	--	--	--	--	--

Growth Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-17	Dec-16	Dec-15
Revenue Growth (%)	1.97	0.07	0.05	0.21	0.22	0.60
EBIT Growth (%)	-19.43	3.54	-11.90	27.96	13.48	42.58
Net Profit Growth (%)	22.19	15.11	-14.47	30.25	11.47	23.49
EPS Growth (%)	43.42	0.45	-0.15	-0.03	0.00	0.23
Book Value Growth (%)	8.70	--	--	--	--	--

Valuation Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-17	Dec-16	Dec-15
Price / Earnings	14.58	11.53	15.92	11.12	--	--
Price / Book Value	1.01	0.85	0.95	0.77	--	--
Dividend Yield (%)	--	--	--	--	--	--
EV/EBITDA	--	6.25	8.02	4.12	--	--
Close Price ($)	21.18	18.14	17.22	14.18	--	--
High Price ($)	22.17	19.74	18.18	15.00	--	--
Low Price ($)	14.60	13.53	10.14	9.65	--	--
Market Cap ($ Cr)	182.80	--	--	--	--	--

Solvency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-17	Dec-16	Dec-15
Debt to Equity	--	0.19	0.26	0.19	0.50	0.44
Short term debt to equity ratio	0.00	0.05	0.00	0.00	0.00	0.00
Current Ratio	62.48	0.12	0.15	0.18	0.15	0.22
Quick Ratio	62.48	--	--	0.17	0.14	0.21
Interest Coverage	2.57	1.33	1.43	2.03	4.24	3.44

Operating Efficiency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-17	Dec-16	Dec-15
Debtors to sales (%)	5.83	6.01	6.43	6.98	7.61	8.14
Asset Turnover	0.06	0.06	0.05	0.05	0.05	0.04
Receivable days	--	21.98	23.91	24.22	26.07	31.75
Inventory Days	--	--	193.46	314.19	639.80	590.78
Payable days	--	--	--	27,343.55	55,778.41	57,446.37
Cash Conversion Cycle	--	--	--	-27,005.14	-55,112.53	-56,823.85

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.