Share Price and Basic Stock Data
Last Updated: November 3, 2025, 11:19 pm
| PEG Ratio | 1.56 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Ceejay Finance Ltd operates as a Non-Banking Financial Company (NBFC) with a reported market capitalization of ₹67.2 Cr. The company’s revenue from operations has shown a steady upward trajectory, standing at ₹19.82 Cr for the fiscal year ending March 2023, and further increasing to ₹20.71 Cr for March 2024. This growth is anticipated to continue, with a trailing twelve-month (TTM) revenue of ₹27.33 Cr. Quarterly sales figures reflect resilience, with the latest quarter (September 2023) recording sales of ₹4.94 Cr, a slight increase from ₹4.83 Cr in December 2022. The company’s operating profit margin (OPM) has also remained robust, reported at 44.46%. The company’s sales pattern indicates a consistent recovery post-pandemic, aligning with the broader financial sector’s recovery trends as reported by various industry sources. Furthermore, the company’s ability to maintain positive sales growth amid economic fluctuations underscores its solid market positioning.
Profitability and Efficiency Metrics
Ceejay Finance Ltd reported a net profit of ₹6.75 Cr for the year ending March 2025, reflecting a profit margin of 25.85%. The profit before tax (PBT) for the same period stood at ₹9.31 Cr, reinforcing the efficient management of operational costs, which recorded ₹12.77 Cr. The interest coverage ratio (ICR) was reported at 3.49x, indicating that the company comfortably meets its interest obligations. The return on equity (ROE) stood at 9.33%, while the return on capital employed (ROCE) was recorded at 11.71%. These figures suggest a healthy profitability profile, although the ROE is slightly below the typical sector benchmark of around 12-15%. The company has maintained a consistent operating profit margin above 50% over the years, showcasing effective cost management and operational efficiency. However, the declining trend in net profit margin from 34.69% in March 2023 to 25.85% in March 2025 requires monitoring.
Balance Sheet Strength and Financial Ratios
The balance sheet of Ceejay Finance Ltd demonstrates a solid financial foundation with total assets reported at ₹125.71 Cr as of March 2025. The company has reserves amounting to ₹72.38 Cr and borrowings of ₹46.76 Cr, resulting in a manageable debt-to-equity ratio of 0.61x. This ratio indicates that the company is not overly reliant on debt, which is favorable compared to industry norms where a ratio above 1.0x is often viewed with caution. The current ratio stands at 2.35x, suggesting that Ceejay Finance Ltd has more than adequate short-term assets to cover its liabilities. Furthermore, the price-to-book value (P/BV) ratio is reported at 0.77x, indicating that the stock may be undervalued compared to its book value. However, the interest coverage ratio has slightly declined from previous years, which could indicate increasing pressure on profitability. The company’s financial health appears stable, but close attention to liquidity ratios and debt levels is warranted.
Shareholding Pattern and Investor Confidence
Ceejay Finance Ltd’s shareholding pattern reveals a significant promoter holding of 59.03%, indicating strong control and commitment from the management. The public holds 40.97% of the shares, reflecting a diverse investor base but limited participation from institutional investors, as foreign institutional investors (FIIs) and domestic institutional investors (DIIs) are not reported. The number of shareholders has fluctuated, with a recent count of 2,663, showing a slight decline from earlier periods. This could indicate a consolidation of shares or reduced retail investor interest. The company has maintained a consistent dividend payout, with ₹1.20 per share for the fiscal years 2024 and 2025. The dividend payout ratio for March 2025 is reported at 0%, which could suggest a strategic reinvestment of profits back into the business, potentially boosting long-term growth prospects. Overall, while promoter confidence is strong, the lack of institutional backing may pose risks to stock liquidity and market perception.
Outlook, Risks, and Final Insight
The outlook for Ceejay Finance Ltd appears cautiously optimistic, supported by its solid revenue growth and profitability metrics. However, potential risks include increasing competition within the NBFC sector and the impact of fluctuating interest rates on borrowing costs. The company’s ability to maintain its profit margins in the face of rising operational expenses will be critical. Additionally, the absence of institutional investors may limit the stock’s liquidity and influence market volatility. To enhance its market position, Ceejay Finance Ltd may consider diversifying its financial products and services, which could attract a broader investor base. The company’s current financial health provides a strong foundation, but proactive management of its debt levels and operational efficiency will be essential for sustaining growth. In conclusion, Ceejay Finance Ltd has the potential for continued success, provided it navigates the challenges of an evolving financial landscape effectively.
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 | 13.2 Cr. | 1.32 | 1.91/0.85 | 88.0 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 |
| Money Masters Leasing & Finance Ltd | 10.9 Cr. | 1.09 | 14.3/1.06 | 32.2 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 528 Cr. | 162 | 269/130 | 80.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 17.4 Cr. | 18.9 | 39.8/17.5 | 13.0 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 43.6 Cr. | 96.8 | 180/90.0 | 23.3 | 238 | 1.03 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 29,095.21 Cr | 481.49 | 106.37 | 515.32 | 0.21% | 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: October 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 | 27.33 |
| 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 | 13.87 |
| 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 | 13.46 |
| 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% | 49.25% |
| 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 | 0.15 |
| 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 | 4.00 |
| 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 | 9.19 |
| 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 | 6.75 |
| 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 | 19.56 |
| 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: October 10, 2025, 3:43 pm
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
Below is a detailed analysis of the balance sheet data for Ceejay Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 3.45 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 3.45 Cr..
- For Reserves, as of Mar 2025, the value is 72.38 Cr.. The value appears strong and on an upward trend. It has increased from 66.07 Cr. (Mar 2024) to 72.38 Cr., marking an increase of 6.31 Cr..
- For Borrowings, as of Mar 2025, the value is 46.76 Cr.. The value appears to be increasing, which may not be favorable. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has increased from 33.08 Cr. (Mar 2024) to 46.76 Cr., marking an increase of 13.68 Cr..
- For Other Liabilities, as of Mar 2025, the value is 3.12 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 2.95 Cr. (Mar 2024) to 3.12 Cr., marking an increase of 0.17 Cr..
- For Total Liabilities, as of Mar 2025, the value is 125.71 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 105.55 Cr. (Mar 2024) to 125.71 Cr., marking an increase of 20.16 Cr..
- For Fixed Assets, as of Mar 2025, the value is 6.64 Cr.. The value appears strong and on an upward trend. It has increased from 6.61 Cr. (Mar 2024) to 6.64 Cr., marking an increase of 0.03 Cr..
- For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Investments, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Other Assets, as of Mar 2025, the value is 119.07 Cr.. The value appears strong and on an upward trend. It has increased from 98.94 Cr. (Mar 2024) to 119.07 Cr., marking an increase of 20.13 Cr..
- For Total Assets, as of Mar 2025, the value is 125.71 Cr.. The value appears strong and on an upward trend. It has increased from 105.55 Cr. (Mar 2024) to 125.71 Cr., marking an increase of 20.16 Cr..
Notably, the Reserves (72.38 Cr.) exceed the Borrowings (46.76 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 - No data available for this post.
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) (%) | 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
| 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: 15.8%)
- 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: 9.81 (Industry average Stock P/E: 106.37)
- 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 |
| Mr. Sunilkumar Patel | 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 03 November 2025) is 162.09 which is 15.58% lower the current market price of 192.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 66.2 Cr. market cap, FY2025-2026 high/low of 326/155, reserves of ₹72.38 Cr, and liabilities of 125.71 Cr.
What is the Market Cap of Ceejay Finance Ltd?
The Market Cap of Ceejay Finance Ltd is 66.2 Cr..
What is the current Stock Price of Ceejay Finance Ltd as on 03 November 2025?
The current stock price of Ceejay Finance Ltd as on 03 November 2025 is 192.
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 326/155.
What is the Stock P/E of Ceejay Finance Ltd?
The Stock P/E of Ceejay Finance Ltd is 9.81.
What is the Book Value of Ceejay Finance Ltd?
The Book Value of Ceejay Finance Ltd is 220.
What is the Dividend Yield of Ceejay Finance Ltd?
The Dividend Yield of Ceejay Finance Ltd is 0.62 %.
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.