Share Price and Basic Stock Data
Last Updated: January 27, 2026, 10:05 pm
| PEG Ratio | 1.53 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Ceejay Finance Ltd operates in the Non-Banking Financial Company (NBFC) sector, with a current market capitalization of ₹58.2 Cr. The company reported a share price of ₹169, reflecting a price-to-earnings (P/E) ratio of 8.75. Over the past few quarters, Ceejay has demonstrated a consistent upward trend in sales, which stood at ₹4.54 Cr in September 2022 and rose to ₹5.38 Cr by March 2023. In the subsequent quarters, sales fluctuated, reaching ₹5.98 Cr by March 2024 and projected to escalate to ₹7.49 Cr by March 2025. The company’s ability to maintain a high operating profit margin (OPM) of 59.16% indicates robust operational efficiency and effective cost management. Furthermore, the trailing twelve months (TTM) sales reached ₹27.70 Cr, showcasing a steady revenue growth trajectory that highlights the company’s competitive positioning within the sector.
Profitability and Efficiency Metrics
Ceejay Finance has reported a net profit of ₹6.66 Cr, with a return on equity (ROE) of 9.33%, reflecting the company’s ability to generate returns for its shareholders effectively. The operating profit margin has been strong, with figures such as 67.92% in June 2023 and 62.76% in June 2024, indicative of efficient cost control and revenue generation strategies. The interest coverage ratio (ICR) of 3.49x suggests that the company comfortably meets its interest obligations, a critical factor for financial stability in the NBFC sector. However, the company has witnessed fluctuations in net profit, with a recorded net profit of ₹1.52 Cr in September 2023, which then improved to ₹2.27 Cr by September 2024. This variability in profitability could indicate sensitivity to market conditions or operational challenges, which investors should monitor closely.
Balance Sheet Strength and Financial Ratios
The balance sheet of Ceejay Finance displays a solid foundation with total assets amounting to ₹125.71 Cr as of March 2025. The company reported a significant increase in reserves, reaching ₹76.25 Cr, which enhances its financial stability and capacity for future investments. Borrowings stood at ₹44.18 Cr, implying a debt-to-equity ratio of 0.61, suggesting a moderate level of leverage that is manageable within industry norms. The price-to-book value ratio is at 0.77x, indicating that the stock is undervalued compared to its book value, potentially presenting an attractive opportunity for investors. Additionally, the current ratio of 2.35x reflects a healthy liquidity position, ensuring that the company can cover its short-term obligations. However, the company’s reliance on borrowings could pose a risk if interest rates rise or credit conditions tighten.
Shareholding Pattern and Investor Confidence
Ceejay Finance maintains a stable shareholding structure, with promoters holding 59.03% of the shares as of December 2023, reflecting substantial insider confidence in the company’s future. The public holds a significant 40.97% stake, indicating a diversified ownership base which can be beneficial for stock liquidity. The number of shareholders was recorded at 2,663, showcasing a healthy level of engagement from the investing community. However, there was a slight decline in the number of shareholders from a peak of 2,904 in December 2023, which may raise concerns about investor sentiment. The dividend payout has remained consistent, with a payout ratio of 6.09%, suggesting that the company is committed to returning value to shareholders while retaining sufficient earnings for growth. This consistent dividend policy may enhance investor confidence, especially among income-focused investors.
Outlook, Risks, and Final Insight
The outlook for Ceejay Finance appears cautiously optimistic, given its solid revenue growth and profitability metrics. However, the company faces risks associated with fluctuating net profits and a reliance on borrowings, which could be exacerbated by changing economic conditions or regulatory challenges in the NBFC sector. The potential for increased competition in the financial services landscape could also pose challenges to maintaining growth. Strengths include a strong operating profit margin and a sound balance sheet, providing a buffer against economic downturns. Investors should keep a close watch on the company’s ability to sustain its profit margins and manage its debt levels effectively. In scenarios where the market remains stable, Ceejay Finance could leverage its operational efficiencies to achieve further growth, while adverse economic conditions could necessitate a reassessment of its borrowing strategy and operational focus.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 15.0 Cr. | 1.50 | 1.72/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 7.13 Cr. | 0.71 | 6.49/0.62 | 21.0 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 327 Cr. | 51.2 | 125/44.0 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 14.3 Cr. | 15.6 | 25.5/15.0 | 11.8 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 27.9 Cr. | 62.0 | 146/60.2 | 15.1 | 238 | 1.61 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 27,391.29 Cr | 392.69 | 50.93 | 515.00 | 0.24% | 15.81% | 8.84% | 8.50 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 4.54 | 4.83 | 5.38 | 4.77 | 4.94 | 5.03 | 5.98 | 5.37 | 6.29 | 7.15 | 7.49 | 6.40 | 6.66 |
| Expenses | 1.56 | 2.01 | 1.92 | 1.53 | 1.95 | 2.32 | 2.51 | 2.00 | 2.39 | 4.23 | 4.16 | 3.09 | 2.72 |
| Operating Profit | 2.98 | 2.82 | 3.46 | 3.24 | 2.99 | 2.71 | 3.47 | 3.37 | 3.90 | 2.92 | 3.33 | 3.31 | 3.94 |
| OPM % | 65.64% | 58.39% | 64.31% | 67.92% | 60.53% | 53.88% | 58.03% | 62.76% | 62.00% | 40.84% | 44.46% | 51.72% | 59.16% |
| Other Income | 0.02 | 0.04 | 0.00 | 0.02 | 0.02 | 0.14 | 0.02 | 0.02 | 0.02 | 0.04 | 0.03 | 0.06 | 0.00 |
| Interest | 0.89 | 0.80 | 0.96 | 0.79 | 0.77 | 0.94 | 0.92 | 0.82 | 0.84 | 1.15 | 1.11 | 0.90 | 0.90 |
| Depreciation | 0.05 | 0.05 | 0.05 | 0.05 | 0.06 | 0.09 | 0.10 | 0.10 | 0.11 | 0.11 | 0.09 | 0.11 | 0.11 |
| Profit before tax | 2.06 | 2.01 | 2.45 | 2.42 | 2.18 | 1.82 | 2.47 | 2.47 | 2.97 | 1.70 | 2.16 | 2.36 | 2.93 |
| Tax % | 23.79% | 18.91% | 22.86% | 23.55% | 30.28% | 25.82% | 24.70% | 27.53% | 23.57% | 32.94% | 26.39% | 26.27% | 25.60% |
| Net Profit | 1.57 | 1.62 | 1.90 | 1.85 | 1.52 | 1.34 | 1.86 | 1.79 | 2.27 | 1.14 | 1.59 | 1.75 | 2.18 |
| EPS in Rs | 4.55 | 4.70 | 5.51 | 5.36 | 4.41 | 3.88 | 5.39 | 5.19 | 6.58 | 3.30 | 4.61 | 5.07 | 6.32 |
Last Updated: December 27, 2025, 3:35 pm
Below is a detailed analysis of the quarterly data for Ceejay Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Sales, as of Sep 2025, the value is 6.66 Cr.. The value appears strong and on an upward trend. It has increased from 6.40 Cr. (Jun 2025) to 6.66 Cr., marking an increase of 0.26 Cr..
- For Expenses, as of Sep 2025, the value is 2.72 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 3.09 Cr. (Jun 2025) to 2.72 Cr., marking a decrease of 0.37 Cr..
- For Operating Profit, as of Sep 2025, the value is 3.94 Cr.. The value appears strong and on an upward trend. It has increased from 3.31 Cr. (Jun 2025) to 3.94 Cr., marking an increase of 0.63 Cr..
- For OPM %, as of Sep 2025, the value is 59.16%. The value appears strong and on an upward trend. It has increased from 51.72% (Jun 2025) to 59.16%, marking an increase of 7.44%.
- For Other Income, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 0.06 Cr. (Jun 2025) to 0.00 Cr., marking a decrease of 0.06 Cr..
- For Interest, as of Sep 2025, the value is 0.90 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.90 Cr..
- For Depreciation, as of Sep 2025, the value is 0.11 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.11 Cr..
- For Profit before tax, as of Sep 2025, the value is 2.93 Cr.. The value appears strong and on an upward trend. It has increased from 2.36 Cr. (Jun 2025) to 2.93 Cr., marking an increase of 0.57 Cr..
- For Tax %, as of Sep 2025, the value is 25.60%. The value appears to be improving (decreasing) as expected. It has decreased from 26.27% (Jun 2025) to 25.60%, marking a decrease of 0.67%.
- For Net Profit, as of Sep 2025, the value is 2.18 Cr.. The value appears strong and on an upward trend. It has increased from 1.75 Cr. (Jun 2025) to 2.18 Cr., marking an increase of 0.43 Cr..
- For EPS in Rs, as of Sep 2025, the value is 6.32. The value appears strong and on an upward trend. It has increased from 5.07 (Jun 2025) to 6.32, marking an increase of 1.25.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:00 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
Balance Sheet
Last Updated: December 10, 2025, 4:02 am
| 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 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 3.45 | 3.45 | 3.45 | 3.45 | 3.45 | 3.45 | 3.45 | 3.45 | 3.45 | 3.45 | 3.45 | 3.45 | 3.45 |
| Reserves | 20.10 | 23.22 | 26.33 | 31.01 | 35.95 | 40.14 | 44.39 | 48.65 | 53.34 | 59.86 | 66.07 | 72.38 | 76.25 |
| Borrowings | 18.90 | 21.04 | 17.85 | 26.70 | 28.52 | 27.02 | 29.71 | 18.43 | 24.08 | 28.37 | 33.08 | 46.76 | 44.18 |
| Other Liabilities | 2.17 | 2.17 | 2.81 | 2.18 | 2.48 | 1.93 | 1.90 | 1.19 | 2.09 | 2.86 | 2.95 | 3.12 | 2.08 |
| Total Liabilities | 44.62 | 49.88 | 50.44 | 63.34 | 70.40 | 72.54 | 79.45 | 71.72 | 82.96 | 94.54 | 105.55 | 125.71 | 125.96 |
| Fixed Assets | 0.92 | 0.93 | 0.85 | 0.91 | 0.82 | 1.12 | 1.21 | 1.19 | 1.15 | 1.39 | 6.61 | 6.64 | 6.46 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 0.38 | 0.38 | 0.38 | 0.38 | 0.38 | 0.62 | 0.41 | 0.50 | 0.54 | 0.47 | 0.00 | 0.00 | 0.00 |
| Other Assets | 43.32 | 48.57 | 49.21 | 62.05 | 69.20 | 70.80 | 77.83 | 70.03 | 81.27 | 92.68 | 98.94 | 119.07 | 119.50 |
| Total Assets | 44.62 | 49.88 | 50.44 | 63.34 | 70.40 | 72.54 | 79.45 | 71.72 | 82.96 | 94.54 | 105.55 | 125.71 | 125.96 |
Below is a detailed analysis of the balance sheet data for Ceejay Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 3.45 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 3.45 Cr..
- For Reserves, as of Sep 2025, the value is 76.25 Cr.. The value appears strong and on an upward trend. It has increased from 72.38 Cr. (Mar 2025) to 76.25 Cr., marking an increase of 3.87 Cr..
- For Borrowings, as of Sep 2025, the value is 44.18 Cr.. The value appears to be improving (decreasing). Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has decreased from 46.76 Cr. (Mar 2025) to 44.18 Cr., marking a decrease of 2.58 Cr..
- For Other Liabilities, as of Sep 2025, the value is 2.08 Cr.. The value appears to be improving (decreasing). It has decreased from 3.12 Cr. (Mar 2025) to 2.08 Cr., marking a decrease of 1.04 Cr..
- For Total Liabilities, as of Sep 2025, the value is 125.96 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 125.71 Cr. (Mar 2025) to 125.96 Cr., marking an increase of 0.25 Cr..
- For Fixed Assets, as of Sep 2025, the value is 6.46 Cr.. The value appears to be declining and may need further review. It has decreased from 6.64 Cr. (Mar 2025) to 6.46 Cr., marking a decrease of 0.18 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Other Assets, as of Sep 2025, the value is 119.50 Cr.. The value appears strong and on an upward trend. It has increased from 119.07 Cr. (Mar 2025) to 119.50 Cr., marking an increase of 0.43 Cr..
- For Total Assets, as of Sep 2025, the value is 125.96 Cr.. The value appears strong and on an upward trend. It has increased from 125.71 Cr. (Mar 2025) to 125.96 Cr., marking an increase of 0.25 Cr..
Notably, the Reserves (76.25 Cr.) exceed the Borrowings (44.18 Cr.), indicating a solid financial buffer.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -11.09 | -13.14 | -9.99 | -17.13 | -17.71 | -17.95 | -20.79 | -10.07 | -14.54 | -16.04 | -20.70 | -33.24 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
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) (%) | 6.08 | 6.29 | 5.04 | 6.93 | 7.71 |
| Dividend Payout Ratio (CP) (%) | 5.74 | 6.02 | 4.89 | 6.69 | 7.46 |
| Earning Retention Ratio (%) | 93.92 | 93.71 | 94.96 | 93.07 | 92.29 |
| Cash Earning Retention Ratio (%) | 94.26 | 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 (%) | 93.91 | 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 6.08. This value is below the healthy minimum of 20. It has decreased from 6.29 (Mar 24) to 6.08, marking a decrease of 0.21.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 5.74. This value is below the healthy minimum of 20. It has decreased from 6.02 (Mar 24) to 5.74, marking a decrease of 0.28.
- For Earning Retention Ratio (%), as of Mar 25, the value is 93.92. This value exceeds the healthy maximum of 70. It has increased from 93.71 (Mar 24) to 93.92, marking an increase of 0.21.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 94.26. This value exceeds the healthy maximum of 70. It has increased from 93.98 (Mar 24) to 94.26, marking an increase of 0.28.
- 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 93.91. This value exceeds the healthy maximum of 70. It has increased from 93.70 (Mar 24) to 93.91, marking an increase of 0.21.
- 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
| Strength | Weakness |
|---|---|
|
|
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: 15.81%)
- 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: 9.19 (Industry average Stock P/E: 50.93)
- 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 | Contact not found |
| 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 |
FAQ
What is the intrinsic value of Ceejay Finance Ltd?
Ceejay Finance Ltd's intrinsic value (as of 27 January 2026) is ₹169.13 which is 4.98% lower the current market price of ₹178.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹61.2 Cr. market cap, FY2025-2026 high/low of ₹315/154, reserves of ₹76.25 Cr, and liabilities of ₹125.96 Cr.
What is the Market Cap of Ceejay Finance Ltd?
The Market Cap of Ceejay Finance Ltd is 61.2 Cr..
What is the current Stock Price of Ceejay Finance Ltd as on 27 January 2026?
The current stock price of Ceejay Finance Ltd as on 27 January 2026 is ₹178.
What is the High / Low of Ceejay Finance Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Ceejay Finance Ltd stocks is ₹315/154.
What is the Stock P/E of Ceejay Finance Ltd?
The Stock P/E of Ceejay Finance Ltd is 9.19.
What is the Book Value of Ceejay Finance Ltd?
The Book Value of Ceejay Finance Ltd is 231.
What is the Dividend Yield of Ceejay Finance Ltd?
The Dividend Yield of Ceejay Finance Ltd is 0.68 %.
What is the ROCE of Ceejay Finance Ltd?
The ROCE of Ceejay Finance Ltd is 11.7 %.
What is the ROE of Ceejay Finance Ltd?
The ROE of Ceejay Finance Ltd is 9.33 %.
What is the Face Value of Ceejay Finance Ltd?
The Face Value of Ceejay Finance Ltd is 10.0.