Share Price and Basic Stock Data
Last Updated: November 28, 2025, 10:35 am
| PEG Ratio | 1.68 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Ceejay Finance Ltd operates as a Non-Banking Financial Company (NBFC), focusing on providing a range of financial services. The company reported a revenue of ₹19.82 Cr for the fiscal year ended March 2023, rising to ₹20.71 Cr for the fiscal year ending March 2024, indicating a steady growth trajectory. The trailing twelve months (TTM) revenue stood at ₹27.70 Cr, showcasing the company’s ability to enhance its market presence. Quarterly sales have shown fluctuations, with the highest revenue of ₹7.49 Cr recorded in March 2025, compared to the lowest of ₹4.54 Cr in September 2022. This performance demonstrates the company’s resilience and adaptability in a competitive financial landscape. The operating profit margin (OPM) has been robust, with a reported OPM of 44.46% in March 2025, reflecting efficient cost management and operational effectiveness. Overall, the revenue growth aligns with the broader trends in the NBFC sector, which has been witnessing an increasing demand for financial products and services, driven by economic recovery.
Profitability and Efficiency Metrics
Ceejay Finance Ltd has reported commendable profitability metrics, with a net profit of ₹6.66 Cr for the fiscal year ending March 2025. The company’s return on equity (ROE) stood at 9.33%, indicating effective utilization of shareholder funds to generate profits. Additionally, the return on capital employed (ROCE) was recorded at 11.7%, showcasing the company’s efficiency in generating returns from its capital investments. The interest coverage ratio (ICR) of 3.49x indicates a strong ability to meet interest obligations, reflecting financial stability. However, the operating profit margin (OPM) has fluctuated, with a peak of 67.92% in June 2023, declining to 44.46% by March 2025. This fluctuation may raise concerns regarding cost management in the face of increasing operational expenses. Overall, while Ceejay Finance Ltd demonstrates strong profitability, maintaining consistent margins will be essential for future growth.
Balance Sheet Strength and Financial Ratios
The balance sheet of Ceejay Finance Ltd presents a solid financial position with no reported borrowings, underscoring its strong liquidity and financial discipline. The company’s current ratio of 2.35x and quick ratio of 2.35x indicate a healthy liquidity position, allowing the company to cover its short-term liabilities comfortably. The price-to-book value (P/BV) ratio stood at 0.77x, suggesting the stock may be undervalued relative to its book value of ₹219.81 per share as of March 2025. Additionally, the total debt to equity ratio of 0.61x reflects a prudent approach to leverage, balancing growth with financial safety. The consistency in the dividend payout ratio, which stood at 6.09% for March 2025, further emphasizes the company’s commitment to returning value to shareholders. However, the absence of reserves could pose risks in terms of capital buffer for future investments or contingencies, warranting careful financial planning.
Shareholding Pattern and Investor Confidence
Ceejay Finance Ltd has a stable shareholding pattern, with promoters holding 59.03% of the equity as of March 2025, reflecting strong insider confidence in the company’s prospects. The public shareholding stood at 40.97%, indicating a balanced distribution of ownership that could enhance market liquidity. The number of shareholders reported was 2,663, suggesting a relatively concentrated yet engaged shareholder base. The gradual increase in public shareholding from 40.84% in December 2022 to 40.97% in December 2023 suggests growing interest among retail investors. However, the absence of foreign institutional investors (FIIs) and domestic institutional investors (DIIs) could limit broader market visibility and investment inflows. This concentrated ownership structure could both provide stability and pose risks if there is a sudden shift in promoter sentiment or market conditions, impacting the stock’s performance.
Outlook, Risks, and Final Insight
The outlook for Ceejay Finance Ltd appears cautiously optimistic, bolstered by its solid profitability, strong liquidity, and stable shareholding structure. However, the company faces several risks, including potential volatility in operating margins due to fluctuating expenses and the absence of reserves, which may limit its ability to navigate unforeseen challenges. Additionally, the lack of institutional investor support could hinder its growth potential in a fast-evolving financial landscape. To mitigate these risks, Ceejay Finance Ltd may consider enhancing its operational efficiencies and building reserves to strengthen its financial resilience. As the company continues to adapt to market dynamics, its ability to maintain profitability and manage costs will be critical. If it successfully addresses these challenges, Ceejay Finance Ltd could position itself favorably within the competitive NBFC sector, potentially unlocking further growth opportunities.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Ceejay Finance Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 12.1 Cr. | 1.21 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 9.04 Cr. | 0.90 | 10.0/0.89 | 26.6 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 451 Cr. | 138 | 269/130 | 80.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 14.4 Cr. | 15.8 | 37.9/15.0 | 10.8 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 39.9 Cr. | 88.7 | 180/79.1 | 21.4 | 238 | 1.13 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 30,518.68 Cr | 464.73 | 53.89 | 522.84 | 0.22% | 15.80% | 8.84% | 8.50 |
Quarterly Result
| Metric | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 6.24 | 5.02 | 4.54 | 4.83 | 5.38 | 4.77 | 4.94 | 5.03 | 5.98 | 5.37 | 6.29 | 7.15 | 7.49 |
| Expenses | 3.50 | 2.01 | 1.56 | 2.01 | 1.92 | 1.53 | 1.95 | 2.32 | 2.51 | 2.00 | 2.39 | 4.23 | 4.16 |
| Operating Profit | 2.74 | 3.01 | 2.98 | 2.82 | 3.46 | 3.24 | 2.99 | 2.71 | 3.47 | 3.37 | 3.90 | 2.92 | 3.33 |
| OPM % | 43.91% | 59.96% | 65.64% | 58.39% | 64.31% | 67.92% | 60.53% | 53.88% | 58.03% | 62.76% | 62.00% | 40.84% | 44.46% |
| Other Income | -0.05 | 0.04 | 0.02 | 0.04 | 0.00 | 0.02 | 0.02 | 0.14 | 0.02 | 0.02 | 0.02 | 0.04 | 0.03 |
| Interest | 0.83 | 0.68 | 0.89 | 0.80 | 0.96 | 0.79 | 0.77 | 0.94 | 0.92 | 0.82 | 0.84 | 1.15 | 1.11 |
| Depreciation | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.06 | 0.09 | 0.10 | 0.10 | 0.11 | 0.11 | 0.09 |
| Profit before tax | 1.82 | 2.32 | 2.06 | 2.01 | 2.45 | 2.42 | 2.18 | 1.82 | 2.47 | 2.47 | 2.97 | 1.70 | 2.16 |
| Tax % | 33.52% | 24.57% | 23.79% | 18.91% | 22.86% | 23.55% | 30.28% | 25.82% | 24.70% | 27.53% | 23.57% | 32.94% | 26.39% |
| Net Profit | 1.20 | 1.75 | 1.57 | 1.62 | 1.90 | 1.85 | 1.52 | 1.34 | 1.86 | 1.79 | 2.27 | 1.14 | 1.59 |
| EPS in Rs | 3.48 | 5.07 | 4.55 | 4.70 | 5.51 | 5.36 | 4.41 | 3.88 | 5.39 | 5.19 | 6.58 | 3.30 | 4.61 |
Last Updated: May 31, 2025, 6:35 am
Below is a detailed analysis of the quarterly data for Ceejay Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Sales, as of Mar 2025, the value is 7.49 Cr.. The value appears strong and on an upward trend. It has increased from 7.15 Cr. (Dec 2024) to 7.49 Cr., marking an increase of 0.34 Cr..
- For Expenses, as of Mar 2025, the value is 4.16 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 4.23 Cr. (Dec 2024) to 4.16 Cr., marking a decrease of 0.07 Cr..
- For Operating Profit, as of Mar 2025, the value is 3.33 Cr.. The value appears strong and on an upward trend. It has increased from 2.92 Cr. (Dec 2024) to 3.33 Cr., marking an increase of 0.41 Cr..
- For OPM %, as of Mar 2025, the value is 44.46%. The value appears strong and on an upward trend. It has increased from 40.84% (Dec 2024) to 44.46%, marking an increase of 3.62%.
- For Other Income, as of Mar 2025, the value is 0.03 Cr.. The value appears to be declining and may need further review. It has decreased from 0.04 Cr. (Dec 2024) to 0.03 Cr., marking a decrease of 0.01 Cr..
- For Interest, as of Mar 2025, the value is 1.11 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 1.15 Cr. (Dec 2024) to 1.11 Cr., marking a decrease of 0.04 Cr..
- For Depreciation, as of Mar 2025, the value is 0.09 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.11 Cr. (Dec 2024) to 0.09 Cr., marking a decrease of 0.02 Cr..
- For Profit before tax, as of Mar 2025, the value is 2.16 Cr.. The value appears strong and on an upward trend. It has increased from 1.70 Cr. (Dec 2024) to 2.16 Cr., marking an increase of 0.46 Cr..
- For Tax %, as of Mar 2025, the value is 26.39%. The value appears to be improving (decreasing) as expected. It has decreased from 32.94% (Dec 2024) to 26.39%, marking a decrease of 6.55%.
- For Net Profit, as of Mar 2025, the value is 1.59 Cr.. The value appears strong and on an upward trend. It has increased from 1.14 Cr. (Dec 2024) to 1.59 Cr., marking an increase of 0.45 Cr..
- For EPS in Rs, as of Mar 2025, the value is 4.61. The value appears strong and on an upward trend. It has increased from 3.30 (Dec 2024) to 4.61, marking an increase of 1.31.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: November 15, 2025, 3:41 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 11.12 | 11.58 | 12.28 | 14.28 | 16.40 | 14.81 | 17.35 | 16.03 | 17.95 | 19.82 | 20.71 | 26.29 | 27.70 |
| Expenses | 3.31 | 3.68 | 4.42 | 4.71 | 5.59 | 5.74 | 8.43 | 7.67 | 8.41 | 7.49 | 8.33 | 12.77 | 14.20 |
| Operating Profit | 7.81 | 7.90 | 7.86 | 9.57 | 10.81 | 9.07 | 8.92 | 8.36 | 9.54 | 12.33 | 12.38 | 13.52 | 13.50 |
| OPM % | 70.23% | 68.22% | 64.01% | 67.02% | 65.91% | 61.24% | 51.41% | 52.15% | 53.15% | 62.21% | 59.78% | 51.43% | 48.74% |
| Other Income | 0.01 | 0.01 | 0.00 | 0.00 | 0.03 | 0.01 | 0.00 | 0.05 | 0.00 | 0.04 | 0.21 | 0.10 | 0.13 |
| Interest | 2.22 | 2.25 | 2.08 | 2.42 | 2.92 | 2.27 | 2.41 | 2.22 | 2.41 | 3.33 | 3.41 | 3.90 | 4.06 |
| Depreciation | 0.10 | 0.15 | 0.14 | 0.16 | 0.14 | 0.14 | 0.14 | 0.15 | 0.18 | 0.20 | 0.30 | 0.41 | 0.42 |
| Profit before tax | 5.50 | 5.51 | 5.64 | 6.99 | 7.78 | 6.67 | 6.37 | 6.04 | 6.95 | 8.84 | 8.88 | 9.31 | 9.15 |
| Tax % | 32.36% | 32.30% | 33.33% | 33.05% | 28.53% | 27.59% | 24.49% | 25.83% | 28.35% | 22.62% | 26.01% | 26.85% | |
| Net Profit | 3.73 | 3.73 | 3.75 | 4.67 | 5.56 | 4.82 | 4.82 | 4.47 | 4.97 | 6.84 | 6.57 | 6.80 | 6.66 |
| EPS in Rs | 10.81 | 10.81 | 10.87 | 13.54 | 16.12 | 13.97 | 13.97 | 12.96 | 14.41 | 19.83 | 19.04 | 19.71 | 19.30 |
| Dividend Payout % | 12.95% | 12.95% | 13.80% | 11.08% | 15.51% | 10.74% | 7.16% | 7.72% | 6.94% | 6.05% | 6.30% | 6.09% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 0.00% | 0.54% | 24.53% | 19.06% | -13.31% | 0.00% | -7.26% | 11.19% | 37.63% | -3.95% | 3.50% |
| Change in YoY Net Profit Growth (%) | 0.00% | 0.54% | 24.00% | -5.48% | -32.37% | 13.31% | -7.26% | 18.45% | 26.44% | -41.57% | 7.45% |
Ceejay Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 9% |
| 5 Years: | 9% |
| 3 Years: | 14% |
| TTM: | 28% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 6% |
| 5 Years: | 7% |
| 3 Years: | 11% |
| TTM: | 4% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 17% |
| 5 Years: | 18% |
| 3 Years: | 23% |
| 1 Year: | -22% |
| Return on Equity | |
|---|---|
| 10 Years: | 11% |
| 5 Years: | 10% |
| 3 Years: | 10% |
| Last Year: | 9% |
Last Updated: September 5, 2025, 2:51 pm
No data available for the Balance Sheet data table.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 131.62 | 134.59 | 120.68 | 134.96 | 131.98 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 131.62 | 134.59 | 120.68 | 134.96 | 131.98 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Working Capital Days | 391.59 | 417.95 | 405.72 | 297.01 | 316.70 | -400.49 | -327.55 | 3.87 | -15.66 | -23.20 | -2.64 | 5.28 |
| ROCE % | 18.56% | 17.24% | 16.19% | 17.30% | 16.58% | 12.91% | 11.85% | 11.16% | 12.36% | 14.06% | 12.46% | 11.71% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 19.71 | 19.05 | 19.84 | 14.41 | 12.96 |
| Diluted EPS (Rs.) | 19.71 | 19.05 | 19.84 | 14.41 | 12.96 |
| Cash EPS (Rs.) | 20.90 | 19.91 | 20.41 | 14.94 | 13.40 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 219.81 | 201.51 | 183.51 | 164.62 | 151.02 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 219.81 | 201.51 | 183.51 | 164.62 | 151.02 |
| Dividend / Share (Rs.) | 1.20 | 1.20 | 1.20 | 1.00 | 1.00 |
| Revenue From Operations / Share (Rs.) | 76.21 | 60.04 | 57.19 | 51.98 | 41.26 |
| PBDIT / Share (Rs.) | 39.48 | 36.49 | 35.86 | 27.64 | 24.38 |
| PBIT / Share (Rs.) | 38.29 | 35.63 | 35.28 | 27.11 | 23.93 |
| PBT / Share (Rs.) | 26.97 | 25.75 | 25.63 | 20.13 | 17.49 |
| Net Profit / Share (Rs.) | 19.71 | 19.05 | 19.84 | 14.41 | 12.96 |
| PBDIT Margin (%) | 51.80 | 60.78 | 62.69 | 53.16 | 59.08 |
| PBIT Margin (%) | 50.23 | 59.34 | 61.69 | 52.15 | 58.01 |
| PBT Margin (%) | 35.39 | 42.88 | 44.82 | 38.72 | 42.39 |
| Net Profit Margin (%) | 25.85 | 31.72 | 34.69 | 27.72 | 31.40 |
| Return on Networth / Equity (%) | 8.96 | 9.45 | 10.81 | 8.75 | 8.57 |
| Return on Capital Employeed (%) | 17.24 | 17.43 | 18.99 | 16.22 | 15.75 |
| Return On Assets (%) | 5.40 | 6.22 | 7.24 | 5.99 | 6.23 |
| Total Debt / Equity (X) | 0.61 | 0.47 | 0.44 | 0.42 | 0.35 |
| Asset Turnover Ratio (%) | 0.22 | 0.20 | 0.22 | 0.23 | 0.18 |
| Current Ratio (X) | 2.35 | 2.73 | 2.98 | 3.16 | 3.55 |
| Quick Ratio (X) | 2.35 | 2.73 | 2.98 | 3.16 | 3.55 |
| Dividend Payout Ratio (NP) (%) | 0.00 | 6.29 | 5.04 | 6.93 | 7.71 |
| Dividend Payout Ratio (CP) (%) | 0.00 | 6.02 | 4.89 | 6.69 | 7.46 |
| Earning Retention Ratio (%) | 0.00 | 93.71 | 94.96 | 93.07 | 92.29 |
| Cash Earning Retention Ratio (%) | 0.00 | 93.98 | 95.11 | 93.31 | 92.54 |
| Interest Coverage Ratio (X) | 3.49 | 3.69 | 3.72 | 3.96 | 3.78 |
| Interest Coverage Ratio (Post Tax) (X) | 2.74 | 2.93 | 3.06 | 3.06 | 3.01 |
| Enterprise Value (Cr.) | 104.16 | 95.80 | 61.15 | 59.35 | 42.93 |
| EV / Net Operating Revenue (X) | 3.96 | 4.63 | 3.10 | 3.31 | 3.02 |
| EV / EBITDA (X) | 7.65 | 7.61 | 4.94 | 6.22 | 5.10 |
| MarketCap / Net Operating Revenue (X) | 2.23 | 3.10 | 1.75 | 2.10 | 1.87 |
| Retention Ratios (%) | 0.00 | 93.70 | 94.95 | 93.06 | 92.28 |
| Price / BV (X) | 0.77 | 0.92 | 0.54 | 0.66 | 0.51 |
| Price / Net Operating Revenue (X) | 2.23 | 3.10 | 1.75 | 2.10 | 1.87 |
| EarningsYield | 0.11 | 0.10 | 0.19 | 0.13 | 0.16 |
After reviewing the key financial ratios for Ceejay Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 19.71. This value is within the healthy range. It has increased from 19.05 (Mar 24) to 19.71, marking an increase of 0.66.
- For Diluted EPS (Rs.), as of Mar 25, the value is 19.71. This value is within the healthy range. It has increased from 19.05 (Mar 24) to 19.71, marking an increase of 0.66.
- For Cash EPS (Rs.), as of Mar 25, the value is 20.90. This value is within the healthy range. It has increased from 19.91 (Mar 24) to 20.90, marking an increase of 0.99.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 219.81. It has increased from 201.51 (Mar 24) to 219.81, marking an increase of 18.30.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 219.81. It has increased from 201.51 (Mar 24) to 219.81, marking an increase of 18.30.
- For Dividend / Share (Rs.), as of Mar 25, the value is 1.20. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 1.20.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 76.21. It has increased from 60.04 (Mar 24) to 76.21, marking an increase of 16.17.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 39.48. This value is within the healthy range. It has increased from 36.49 (Mar 24) to 39.48, marking an increase of 2.99.
- For PBIT / Share (Rs.), as of Mar 25, the value is 38.29. This value is within the healthy range. It has increased from 35.63 (Mar 24) to 38.29, marking an increase of 2.66.
- For PBT / Share (Rs.), as of Mar 25, the value is 26.97. This value is within the healthy range. It has increased from 25.75 (Mar 24) to 26.97, marking an increase of 1.22.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 19.71. This value is within the healthy range. It has increased from 19.05 (Mar 24) to 19.71, marking an increase of 0.66.
- For PBDIT Margin (%), as of Mar 25, the value is 51.80. This value is within the healthy range. It has decreased from 60.78 (Mar 24) to 51.80, marking a decrease of 8.98.
- For PBIT Margin (%), as of Mar 25, the value is 50.23. This value exceeds the healthy maximum of 20. It has decreased from 59.34 (Mar 24) to 50.23, marking a decrease of 9.11.
- For PBT Margin (%), as of Mar 25, the value is 35.39. This value is within the healthy range. It has decreased from 42.88 (Mar 24) to 35.39, marking a decrease of 7.49.
- For Net Profit Margin (%), as of Mar 25, the value is 25.85. This value exceeds the healthy maximum of 10. It has decreased from 31.72 (Mar 24) to 25.85, marking a decrease of 5.87.
- For Return on Networth / Equity (%), as of Mar 25, the value is 8.96. This value is below the healthy minimum of 15. It has decreased from 9.45 (Mar 24) to 8.96, marking a decrease of 0.49.
- For Return on Capital Employeed (%), as of Mar 25, the value is 17.24. This value is within the healthy range. It has decreased from 17.43 (Mar 24) to 17.24, marking a decrease of 0.19.
- For Return On Assets (%), as of Mar 25, the value is 5.40. This value is within the healthy range. It has decreased from 6.22 (Mar 24) to 5.40, marking a decrease of 0.82.
- For Total Debt / Equity (X), as of Mar 25, the value is 0.61. This value is within the healthy range. It has increased from 0.47 (Mar 24) to 0.61, marking an increase of 0.14.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.22. It has increased from 0.20 (Mar 24) to 0.22, marking an increase of 0.02.
- For Current Ratio (X), as of Mar 25, the value is 2.35. This value is within the healthy range. It has decreased from 2.73 (Mar 24) to 2.35, marking a decrease of 0.38.
- For Quick Ratio (X), as of Mar 25, the value is 2.35. This value exceeds the healthy maximum of 2. It has decreased from 2.73 (Mar 24) to 2.35, marking a decrease of 0.38.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 6.29 (Mar 24) to 0.00, marking a decrease of 6.29.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 6.02 (Mar 24) to 0.00, marking a decrease of 6.02.
- For Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 93.71 (Mar 24) to 0.00, marking a decrease of 93.71.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 93.98 (Mar 24) to 0.00, marking a decrease of 93.98.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 3.49. This value is within the healthy range. It has decreased from 3.69 (Mar 24) to 3.49, marking a decrease of 0.20.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 2.74. This value is below the healthy minimum of 3. It has decreased from 2.93 (Mar 24) to 2.74, marking a decrease of 0.19.
- For Enterprise Value (Cr.), as of Mar 25, the value is 104.16. It has increased from 95.80 (Mar 24) to 104.16, marking an increase of 8.36.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 3.96. This value exceeds the healthy maximum of 3. It has decreased from 4.63 (Mar 24) to 3.96, marking a decrease of 0.67.
- For EV / EBITDA (X), as of Mar 25, the value is 7.65. This value is within the healthy range. It has increased from 7.61 (Mar 24) to 7.65, marking an increase of 0.04.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 2.23. This value is within the healthy range. It has decreased from 3.10 (Mar 24) to 2.23, marking a decrease of 0.87.
- For Retention Ratios (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 30. It has decreased from 93.70 (Mar 24) to 0.00, marking a decrease of 93.70.
- For Price / BV (X), as of Mar 25, the value is 0.77. This value is below the healthy minimum of 1. It has decreased from 0.92 (Mar 24) to 0.77, marking a decrease of 0.15.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 2.23. This value is within the healthy range. It has decreased from 3.10 (Mar 24) to 2.23, marking a decrease of 0.87.
- For EarningsYield, as of Mar 25, the value is 0.11. This value is below the healthy minimum of 5. It has increased from 0.10 (Mar 24) to 0.11, marking an increase of 0.01.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Unable to fetch valid data for stock valuation.Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Ceejay Finance Ltd:
- Net Profit Margin: 25.85%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 17.24% (Industry Average ROCE: 15.8%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 8.96% (Industry Average ROE: 8.84%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 2.74
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 2.35
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 10.1 (Industry average Stock P/E: 53.89)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0.61
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 25.85%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | C J House, Nadiad Gujarat 387001 | cs@ceejayfinance.com http://www.ceejayfinance.com |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Kiran Patel | Chairman |
| Mr. Deepak Patel | Managing Director |
| Mr. Shailesh Patel | Director |
| Mr. Chinmay Amin | Director |
| Mrs. Mrudula Patel | Director |
| Mr. Samirbhai Parikh | Director |