Share Price and Basic Stock Data
Last Updated: December 18, 2025, 11:09 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, operating in the Non-Banking Financial Company (NBFC) sector, has demonstrated a resilient revenue trajectory over the past few years. As of March 2025, the company reported sales of ₹26.29 Cr, marking an increase from ₹19.82 Cr in the previous year, which reflects a robust growth trend. The trailing twelve months (TTM) revenue stands at ₹27.33 Cr, indicating a consistent upward movement. The latest quarterly figures show sales of ₹5.98 Cr for March 2024, slightly down from ₹6.29 Cr in September 2024, yet still within a reasonable range that suggests stabilization in demand. This performance is particularly noteworthy considering the broader economic landscape, which has been characterized by fluctuating interest rates and changing consumer behavior. Ceejay’s ability to maintain sales momentum amidst these challenges speaks to its operational agility and market positioning.
Profitability and Efficiency Metrics
The profitability metrics of Ceejay Finance Ltd present a compelling case for investors. The company’s operating profit margin (OPM) stood at an impressive 44.46% as of March 2025, showcasing its efficient cost management strategies. Over the past few years, OPM has fluctuated, peaking at 67.92% in June 2023, but has remained robust overall. The net profit for the same period was reported at ₹6.80 Cr, translating to an earnings per share (EPS) of ₹19.71, up from ₹19.04 a year prior. This consistent growth in net profit, despite minor quarterly fluctuations, indicates a strong underlying business model. The interest coverage ratio (ICR) of 3.49x further underscores financial stability, suggesting that the company comfortably meets its interest obligations. However, the decline in net profit margin to 25.85% in March 2025 from 31.72% a year earlier raises questions about potential cost pressures that could affect future profitability.
Balance Sheet Strength and Financial Ratios
Ceejay Finance’s balance sheet reflects a stable financial position, with total assets growing to ₹125.71 Cr as of March 2025, up from ₹105.55 Cr the previous year. The company has maintained a healthy reserves base of ₹76.25 Cr, providing a cushion against unexpected financial shocks. Moreover, the debt-to-equity ratio of 0.61 suggests a conservative approach to leveraging, which positions the company well in terms of financial risk. The price-to-book value (P/BV) ratio is currently at 0.77x, indicating that the shares may be undervalued relative to their intrinsic worth. This could be an attractive proposition for value investors. However, the increase in borrowings to ₹44.18 Cr raises a flag regarding the potential for increased financial risk if not managed prudently, especially in a volatile interest rate environment.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Ceejay Finance Ltd reveals a solid promoter commitment, with promoters holding 59.03% of the equity as of March 2025. This substantial stake often reflects confidence in the company’s long-term prospects. The public shareholding at 40.97% also indicates a diverse investor base, with a total of 2,663 shareholders reported. However, the absence of Foreign Institutional Investors (FIIs) and Domestic Institutional Investors (DIIs) could suggest a lack of institutional interest, which might impact liquidity and market perception. The gradual increase in the number of public shareholders from 2,637 in December 2024 to 2,663 in March 2025 could signal growing retail interest, which is a positive indicator for investor confidence and market stability.
Outlook, Risks, and Final Insight
Looking ahead, Ceejay Finance Ltd appears well-positioned to navigate the challenges of the NBFC landscape. However, potential risks loom, particularly concerning the rising cost of borrowings and fluctuating interest rates that could squeeze margins. While the company’s strong OPM and ICR provide a buffer, any significant economic downturn could pose a threat to asset quality and profitability. Investors should also consider the implications of the lack of institutional backing, which can affect stock performance and volatility. Overall, Ceejay’s fundamentals suggest a solid investment case, yet careful monitoring of macroeconomic conditions and company-specific developments will be crucial for prospective investors. Balancing the potential for growth against the inherent risks will be key in determining the attractiveness of Ceejay Finance as a long-term investment opportunity.
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 | 14.1 Cr. | 1.41 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 8.13 Cr. | 0.81 | 9.15/0.81 | 23.9 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 459 Cr. | 63.0 | 134/60.0 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.1 Cr. | 16.5 | 34.4/15.0 | 11.3 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 36.4 Cr. | 80.9 | 163/74.8 | 19.5 | 238 | 1.24 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 29,570.84 Cr | 450.11 | 53.22 | 522.46 | 0.23% | 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: 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: 15.8%)
- 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: 9.22 (Industry average Stock P/E: 53.22)
- 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 |
FAQ
What is the intrinsic value of Ceejay Finance Ltd?
Ceejay Finance Ltd's intrinsic value (as of 18 December 2025) is 160.03 which is 10.10% lower the current market price of 178.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 61.4 Cr. market cap, FY2025-2026 high/low of 326/155, 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 61.4 Cr..
What is the current Stock Price of Ceejay Finance Ltd as on 18 December 2025?
The current stock price of Ceejay Finance Ltd as on 18 December 2025 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 326/155.
What is the Stock P/E of Ceejay Finance Ltd?
The Stock P/E of Ceejay Finance Ltd is 9.22.
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 0.67 %.
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.