Classic Leasing & Finance Ltd: Intrinsic Value & Share Price Analysis

Q: What is the current share price and 52-week range of Classic Leasing & Finance Ltd?

Classic Leasing & Finance Ltd is trading at 50.30 as of 21 April 2026, with a FY2026-2027 high of 53.0 and low of 25.0. The stock is currently near its 52-week high. Market cap stands at 15.1 Cr..

Q: Is Classic Leasing & Finance Ltd financially healthy?

Key indicators: ROCE of 10.8 % is moderate. Dividend yield is 0.00 %.

Q: Is Classic Leasing & Finance Ltd profitable and how is the profit trend?

Classic Leasing & Finance Ltd reported a net profit of 0 Cr in Mar 2025 on revenue of 1 Cr. Compared to -8 Cr in Mar 2022, the net profit shows an improving trend.

Fair Value

₹29.21Overvalued by 41.93%vs CMP ₹50.30

P/E (20.4) × ROE (15.0%) × BV (₹11.70) × DY (2.00%)

Defaults: ROE=15%

₹34.20Overvalued by 32.01%vs CMP ₹50.30

MoS: -47.1% (Negative)Confidence: 49/100 (Moderate)Models: 1 Under, 4 Over

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹57.48	33%	Under (+14.3%)
Graham Number	Earnings	₹25.55	25%	Over (-49.2%)
DCF	Cash Flow	₹27.83	20%	Over (-44.7%)
Earnings Yield	Earnings	₹24.80	13%	Over (-50.7%)
Revenue Multiple	Revenue	₹3.45	10%	Over (-93.1%)
Consensus (5 models)		₹34.20	100%	Overvalued

Key Drivers: EPS CAGR 96.7% lifts DCF — verify sustainability. | Wide model spread (₹3–₹57) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 96.7% · Defaults: ROE=15%

*Investments are subject to market risks

Analyst Summary

Classic Leasing & Finance Ltd operates in the Finance & Investments segment, NSE: CLFL | BSE: 540481, current market price is ₹50.30, market cap is 15.1 Cr.. At a glance, stock P/E is 20.4, ROE is %, ROCE is 10.8 %, book value is 11.7, dividend yield is 0.00 %. The latest intrinsic value estimate is ₹34.20, around 32.0% below the current price, so expectations may already be running ahead of this modelled fair value. On operating trend, latest reported sales are about ₹1 Cr versus the prior period change of 76.9%, while latest net profit is about ₹0 Cr with a prior-period change of 155.6%. This analysis page also carries profit and loss, shareholding pattern, ratio panels data, which improves the depth of the template beyond a thin price-only snapshot. The 52-week range shown on this page is 53.0/25.0, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisClassic Leasing & Finance Ltd. is a Public Limited Listed company incorporated on 02/04/1984 and has its registered office in the State of West Bengal, India. Company's Corporate Identification Number(CIN) is L65921WB1984PLC037347 and registration number is 037347. Currently comp…

This summary is generated from the stock page data available for Classic Leasing & Finance Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

Classic Leasing & Finance Ltd scores 55/100 (Average)

Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison

Stock Health35/100 · Weak

ROCE 10.8% AverageROE 0.0% WeakD/E 2.27 High debtInterest Coverage 0.0x RiskyProfitable 3/5 years Mixed

Smart Money50/100 · Moderate

Promoter holding at 33.5% Stable

Earnings Quality55/100 · Moderate

OPM expanding (-150% → 33%) ImprovingWorking capital: 2,550 days Capital intensive

Quarterly Momentum80/100 · Strong

Revenue (4Q): +72% YoY AcceleratingProfit (4Q): +37% YoY StrongOPM: 67.7% (down 10.0% YoY) Margin pressure

Industry Rank65/100 · Strong

P/E 20.4 vs industry 98.5 Cheaper than peersROCE 10.8% vs industry 21.7% Below peers3Y sales CAGR: 105% High growth

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 4:22 am

Market Cap	15.1 Cr.
Current Price	50.3
Intrinsic Value	₹34.20
High / Low	53.0/25.0
Stock P/E	20.4
Book Value	11.7
Dividend Yield	0.00 %
ROCE	10.8 %
ROE	%
Face Value	10.0
PEG Ratio	0.21

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Classic Leasing & Finance Ltd

Competitors

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Classic Leasing & Finance Ltd	15.1 Cr.	50.3	53.0/25.0	20.4	11.7	0.00 %	10.8 %	%	10.0
Garnet International Ltd	95.0 Cr.	48.4	135/42.0	20.7	21.3	0.00 %	4.27 %	4.67 %	10.0
Panafic Industrials Ltd	5.17 Cr.	0.63	1.17/0.60	20.7	1.23	0.00 %	0.34 %	0.30 %	1.00
Galactico Corporate Services Ltd	32.3 Cr.	1.76	2.65/1.45	20.0	2.00	0.00 %	6.94 %	5.75 %	1.00
Concrete Infra & Media Ltd	3.14 Cr.	4.17	4.18/3.92	20.9	10.8	0.00 %	2.54 %	1.81 %	10.0
Industry Average	6,725.79 Cr	1,029.64		98.51	4,364.49	0.43%	21.71%	14.20%	7.23

All Competitor Stocks of Classic Leasing & Finance Ltd

Quarterly Result

Metric	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Sales	0.03	0.09	0.04	0.09	0.10	0.17	0.09	0.17	0.18	0.25	0.22	0.27	0.31
Expenses	0.07	0.11	0.07	0.11	0.04	0.09	0.08	0.05	0.04	0.18	0.10	0.09	0.10
Operating Profit	-0.04	-0.02	-0.03	-0.02	0.06	0.08	0.01	0.12	0.14	0.07	0.12	0.18	0.21
OPM %	-133.33%	-22.22%	-75.00%	-22.22%	60.00%	47.06%	11.11%	70.59%	77.78%	28.00%	54.55%	66.67%	67.74%
Other Income	0.04	0.04	0.04	0.04	0.04	0.11	0.05	0.05	0.06	0.05	0.05	0.05	0.05
Interest	0.00	0.03	0.00	0.00	0.10	0.03	0.00	0.00	0.05	0.02	0.00	0.00	0.00
Depreciation	0.00	0.00	0.00	0.00	0.00	0.01	0.00	0.00	0.00	0.01	0.00	0.00	0.00
Profit before tax	0.00	-0.01	0.01	0.02	0.00	0.15	0.06	0.17	0.15	0.09	0.17	0.23	0.26
Tax %		-300.00%	0.00%	0.00%		0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Net Profit	0.00	0.02	0.01	0.02	0.00	0.16	0.06	0.17	0.15	0.08	0.17	0.23	0.26
EPS in Rs	0.00	0.07	0.03	0.07	0.00	0.53	0.20	0.57	0.50	0.27	0.57	0.77	0.87

Last Updated: March 3, 2026, 11:20 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 27, 2026, 2:35 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	0.04	0.11	0.06	0.08	0.16	0.11	0.11	0.05	0.08	0.16	0.39	0.69	1.05
Expenses	0.03	0.10	0.04	0.06	0.14	0.08	0.16	0.15	0.26	0.28	0.30	0.39	0.47
Operating Profit	0.01	0.01	0.02	0.02	0.02	0.03	-0.05	-0.10	-0.18	-0.12	0.09	0.30	0.58
OPM %	25.00%	9.09%	33.33%	25.00%	12.50%	27.27%	-45.45%	-200.00%	-225.00%	-75.00%	23.08%	43.48%	55.24%
Other Income	0.00	0.00	0.00	0.00	0.00	0.00	0.06	0.12	-7.61	0.17	0.24	0.20	0.20
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.03	0.14	0.02	0.02
Depreciation	0.01	0.01	0.00	0.00	0.00	0.00	0.00	0.02	0.00	0.00	0.01	0.01	0.01
Profit before tax	0.00	0.00	0.02	0.02	0.02	0.03	0.01	0.00	-7.79	0.02	0.18	0.47	0.75
Tax %			0.00%	0.00%	0.00%	0.00%	1,400.00%		0.13%	-150.00%	0.00%	0.00%
Net Profit	0.00	0.01	0.01	0.02	0.02	0.02	-0.13	0.00	-7.80	0.04	0.18	0.46	0.74
EPS in Rs	0.00	0.03	0.03	0.07	0.07	0.07	-0.43	0.00	-26.00	0.13	0.60	1.53	2.48
Dividend Payout %		0.00%	0.00%	0.00%	0.00%	0.00%	0.00%		0.00%	0.00%	0.00%	0.00%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2022-2023	2023-2024	2024-2025
YoY Net Profit Growth (%)	0.00%	100.00%	0.00%	0.00%	-750.00%	100.00%	100.51%	350.00%	155.56%
Change in YoY Net Profit Growth (%)	0.00%	100.00%	-100.00%	0.00%	-750.00%	850.00%	0.51%	249.49%	-194.44%

Classic Leasing & Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 9 years from 2015-2016 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:	20%
5 Years:	44%
3 Years:	105%
TTM:	82%

Compounded Profit Growth
10 Years:	47%
5 Years:	42%
3 Years:	%
TTM:	138%

Stock Price CAGR
10 Years:	%
5 Years:	52%
3 Years:	57%
1 Year:	125%

Return on Equity
10 Years:	%
5 Years:	%
3 Years:	%
Last Year:	%

Last Updated: September 5, 2025, 2:56 pm

Balance Sheet

Last Updated: December 10, 2025, 4:05 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	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00
Reserves	0.04	-0.01	0.00	0.02	0.04	0.06	-0.07	-0.07	-7.87	-7.83	-7.64	-7.18	-6.78
Borrowings	0.00	0.00	0.00	0.00	0.00	0.00	6.34	6.64	6.68	6.30	8.10	9.81	9.80
Other Liabilities	7.67	7.73	7.72	7.70	7.81	7.65	0.59	0.27	0.29	0.35	0.12	0.08	0.12
Total Liabilities	10.71	10.72	10.72	10.72	10.85	10.71	9.86	9.84	2.10	1.82	3.58	5.71	6.14
Fixed Assets	0.07	0.01	0.03	0.03	0.03	0.03	0.03	0.01	0.01	0.02	0.02	0.03	0.03
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	8.54	8.56	9.18	9.21	9.27	9.29	9.34	8.35	0.75	0.75	0.75	0.77	0.77
Other Assets	2.10	2.15	1.51	1.48	1.55	1.39	0.49	1.48	1.34	1.05	2.81	4.91	5.34
Total Assets	10.71	10.72	10.72	10.72	10.85	10.71	9.86	9.84	2.10	1.82	3.58	5.71	6.14

Reserves and Borrowings Chart

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
Cash from Operating Activity +	0.00	0.09	0.60	0.02	0.01	-0.14	0.91	-1.07	-0.04	0.16	0.08	0.30
Cash from Investing Activity +	0.00	-0.02	-0.65	-0.02	-0.06	0.00	-0.05	0.99	-0.20	0.23	-1.72	-2.01
Cash from Financing Activity +	0.00	0.00	0.00	0.00	0.00	0.05	-0.86	0.30	0.04	-0.41	1.66	1.69
Net Cash Flow	0.00	0.06	-0.04	-0.01	-0.05	-0.09	0.01	0.22	-0.20	-0.02	0.03	-0.02
Free Cash Flow	0.00	0.09	0.58	0.02	0.01	-0.14	0.91	-1.07	-0.04	0.14	0.08	0.28
CFO/OP	0%	900%	3,000%	100%	50%	-467%	-2,100%	1,070%	17%	-133%	111%	107%

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	0.01	0.01	0.02	0.02	0.02	0.03	-6.39	-6.74	-6.86	-6.42	-8.01	-9.51

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.

Free Cash Flow Chart

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	0.00	1,161.36	0.00	0.00	0.00	0.00	33.18	365.00	45.62	0.00	0.00	0.00
Inventory Days								6,205.00
Days Payable								0.00
Cash Conversion Cycle	0.00	1,161.36	0.00	0.00	0.00	0.00	33.18	6,570.00	45.62	0.00	0.00	0.00
Working Capital Days	-54,476.25	-18,880.45	-38,811.67	-28,789.38	-14,326.25	-20,639.09	-33.18	7,884.00	5,110.00	1,710.94	2,536.28	2,549.71
ROCE %	0.00%	0.00%	0.67%	0.66%	0.66%	0.98%	0.49%	0.00%	0.18%	3.05%	12.98%	10.78%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	33.50%	33.50%	33.50%	33.50%	33.50%	33.50%	33.50%	33.50%	33.50%	33.50%	33.50%	33.50%
Public	66.50%	66.50%	66.50%	66.51%	66.50%	66.50%	66.51%	66.51%	66.51%	66.51%	66.50%	66.50%
No. of Shareholders	613	617	619	618	618	1,032	1,061	1,294	1,290	1,290	1,238	1,222

Shareholding Pattern Chart

No. of Shareholders

Classic Leasing & Finance Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

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.)	1.54	0.61	0.13	-25.99	0.01
Diluted EPS (Rs.)	1.54	0.61	0.13	-25.99	0.01
Cash EPS (Rs.)	1.58	0.63	0.14	-25.99	0.07
Book Value[Excl.RevalReserv]/Share (Rs.)	-13.94	-15.48	-16.09	-16.22	9.77
Book Value[Incl.RevalReserv]/Share (Rs.)	-13.94	-15.48	-16.09	-16.22	9.77
Revenue From Operations / Share (Rs.)	2.29	1.31	0.53	0.14	0.16
PBDIT / Share (Rs.)	1.65	1.08	0.15	0.03	0.06
PBIT / Share (Rs.)	1.61	1.05	0.14	0.02	0.00
PBT / Share (Rs.)	1.54	0.60	0.04	-25.97	0.00
Net Profit / Share (Rs.)	1.54	0.61	0.13	-25.99	0.01
PBDIT Margin (%)	72.11	82.27	29.65	25.55	39.68
PBIT Margin (%)	70.26	80.47	27.53	19.93	1.51
PBT Margin (%)	67.33	46.13	7.47	-18104.10	1.49
Net Profit Margin (%)	67.23	46.74	24.32	-18122.23	4.53
Return on Networth / Equity (%)	-11.03	-3.95	-0.80	0.00	0.07
Return on Capital Employeed (%)	-11.53	8.96	2.96	0.46	0.00
Return On Assets (%)	8.08	5.13	2.14	-369.38	0.02
Long Term Debt / Equity (X)	0.00	-1.74	-1.29	-1.36	2.25
Total Debt / Equity (X)	-2.36	-1.74	-1.31	-1.37	2.27
Asset Turnover Ratio (%)	0.14	0.14	0.08	0.01	0.01
Current Ratio (X)	0.56	53.59	3.19	5.39	6.86
Quick Ratio (X)	0.56	50.31	2.67	4.71	6.06
Inventory Turnover Ratio (X)	8.05	0.00	0.00	0.00	0.00
Interest Coverage Ratio (X)	24.64	2.40	1.48	258.73	1465.90
Interest Coverage Ratio (Post Tax) (X)	23.97	2.36	2.21	18.28	168.45
Enterprise Value (Cr.)	19.28	11.85	9.04	10.94	11.45
EV / Net Operating Revenue (X)	28.08	30.17	56.25	254.28	229.70
EV / EBITDA (X)	38.94	36.67	189.69	995.18	578.82
MarketCap / Net Operating Revenue (X)	13.72	9.64	17.05	99.69	101.07
Price / BV (X)	-2.25	-0.81	-0.56	-0.88	1.72
Price / Net Operating Revenue (X)	13.73	9.64	17.07	100.00	101.20
EarningsYield	0.04	0.04	0.01	-1.82	0.00

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Classic Leasing & Finance Ltd. is a Public Limited Listed company incorporated on 02/04/1984 and has its registered office in the State of West Bengal, India. Company's Corporate Identification Number(CIN) is L65921WB1984PLC037347 and registration number is 037347. Currently company belongs to the Industry of Finance & Investments. Company's Total Operating Revenue is Rs. 0.69 Cr. and Equity Capital is Rs. 3.00 Cr. for the Year ended 31/03/2025.

INDUSTRY	ADDRESS	CONTACT
Finance & Investments	11/A, Allenby Road, 1st Floor, Kolkata West Bengal 700020	Contact not found

Management
Name	Position Held
Mr. Chandra Shekhar Sony	Managing Director
Ms. Minu Datta	Director
Mr. Prabir Ghosh	Director

FAQ

What is the intrinsic value of Classic Leasing & Finance Ltd and is it undervalued?

As of 21 April 2026, Classic Leasing & Finance Ltd's intrinsic value is ₹34.20, which is 32.01% lower than the current market price of ₹50.30, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (%), book value (₹11.7), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Classic Leasing & Finance Ltd?

Classic Leasing & Finance Ltd is trading at ₹50.30 as of 21 April 2026, with a FY2026-2027 high of ₹53.0 and low of ₹25.0. The stock is currently near its 52-week high. Market cap stands at ₹15.1 Cr..

How does Classic Leasing & Finance Ltd's P/E ratio compare to its industry?

Classic Leasing & Finance Ltd has a P/E ratio of 20.4, which is below the industry average of 98.51. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is Classic Leasing & Finance Ltd financially healthy?

Key indicators for Classic Leasing & Finance Ltd: ROCE of 10.8 % is moderate; ROE of % is below ideal levels (industry average: 14.20%). Dividend yield is 0.00 %.

Is Classic Leasing & Finance Ltd profitable and how is the profit trend?

Classic Leasing & Finance Ltd reported a net profit of ₹0 Cr in Mar 2025 on revenue of ₹1 Cr. Compared to ₹-8 Cr in Mar 2022, the net profit shows an improving trend.

Does Classic Leasing & Finance Ltd pay dividends?

Classic Leasing & Finance Ltd has a dividend yield of 0.00 % at the current price of ₹50.30. The company is currently not paying meaningful dividends.