Share Price and Basic Stock Data
Last Updated: January 6, 2026, 9:07 pm
| PEG Ratio | -41.11 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Comfort Fincap Ltd, operating in the non-banking financial company (NBFC) sector, reported a price of ₹7.30 and a market capitalization of ₹63.9 Cr. For the fiscal year ending March 2025, the company recorded total sales of ₹13.07 Cr, slightly down from ₹14.67 Cr in March 2023. The trailing twelve months (TTM) sales reached ₹14.87 Cr, indicating a gradual decline in revenue compared to the previous fiscal year. Quarterly sales figures showed fluctuations, with the highest sales of ₹4.11 Cr reported in September 2022, followed by a drop to ₹2.96 Cr in March 2023. The sales rebounded slightly to ₹3.76 Cr in September 2023, suggesting some recovery. Operating profit margins (OPM) have been relatively high, standing at 71.20% in the latest quarter, indicative of robust operational efficiency. The company’s focus on maintaining high margins despite revenue fluctuations reflects a strategic emphasis on cost management.
Profitability and Efficiency Metrics
Comfort Fincap Ltd’s profitability metrics show a mixed performance. The net profit for the fiscal year 2025 stood at ₹5.10 Cr, slightly down from ₹4.86 Cr in 2023. The earnings per share (EPS) for March 2025 were reported at ₹0.64, a decrease from ₹0.90 in March 2023, indicating pressure on earnings despite a stable market environment. The company maintained an interest coverage ratio of 3.77x, which is relatively strong and suggests that it can comfortably meet its interest obligations. Return on equity (ROE) was reported at 5.88%, while return on capital employed (ROCE) was at 10.63%. Both metrics are lower than typical sector averages, which often hover around 10-15% for ROE and higher for ROCE. The company’s operational efficiency is reflected in its high operating profit margin of 71.14% for March 2025, signaling effective cost control and revenue generation strategies.
Balance Sheet Strength and Financial Ratios
The balance sheet of Comfort Fincap Ltd shows a solid foundation with total assets reported at ₹110.64 Cr as of March 2025. The company’s reserves increased significantly to ₹70.65 Cr, up from ₹39.01 Cr in March 2023, demonstrating a strong retention of earnings. Borrowings stood at ₹21.86 Cr, which is manageable compared to the company’s equity capital of ₹15.97 Cr. This results in a low debt-to-equity ratio of 0.25, indicating a conservative approach to leveraging. The current ratio was reported at 4.86, suggesting that the company is well-positioned to cover its short-term liabilities. Financial ratios such as the price-to-book value (P/BV) ratio stood at 0.75x, indicating that the stock is trading below its book value, which could present a value opportunity for investors. Overall, the financial structure reflects prudent management and a focus on sustainable growth.
Shareholding Pattern and Investor Confidence
As of September 2025, Comfort Fincap Ltd’s shareholding pattern reveals significant promoter control at 54.91%, which instills confidence in the company’s governance and strategic direction. Foreign institutional investors (FIIs) hold no stake, reflecting a lack of international interest, while the public holds 45.09%. The number of shareholders has steadily increased from 3,234 in December 2022 to 16,685 in September 2025, indicating growing interest and confidence among retail investors. This rising trend in the shareholder base may provide a cushion against volatility. However, the absence of FIIs could limit the stock’s liquidity and broader market engagement. The dividend payout ratio has recently increased to 10.63% for March 2025 from zero in previous years, suggesting a shift towards returning profits to shareholders, which may further enhance investor sentiment.
Outlook, Risks, and Final Insight
Looking ahead, Comfort Fincap Ltd faces both opportunities and challenges. On the positive side, the company’s high operating profit margin and strong reserve growth position it well for future investments and potential market expansion. However, the declining trend in net profit and earnings per share poses a risk, as sustained performance is crucial for maintaining investor confidence. The absence of foreign institutional investment could also hinder the stock’s growth prospects. Additionally, economic fluctuations may impact the NBFC sector, particularly regarding regulatory changes and credit demand. The company must leverage its financial strength to navigate these risks effectively and capitalize on its operational efficiencies. Should Comfort Fincap focus on enhancing its revenue generation strategies while maintaining cost discipline, it could emerge stronger in a competitive market landscape.
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 | 14.2 Cr. | 1.42 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 7.13 Cr. | 0.71 | 8.29/0.70 | 21.0 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 387 Cr. | 59.2 | 125/55.4 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.2 Cr. | 16.6 | 29.9/15.0 | 11.3 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 33.8 Cr. | 75.0 | 152/70.0 | 18.0 | 238 | 1.33 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,815.78 Cr | 442.78 | 50.35 | 522.43 | 0.23% | 15.80% | 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 | 4.11 | 3.64 | 2.96 | 3.42 | 3.76 | 3.17 | 2.87 | 3.00 | 3.03 | 3.42 | 3.87 | 3.83 | 3.75 |
| Expenses | 0.70 | 0.88 | 0.87 | 0.69 | 0.78 | 0.88 | 1.60 | 0.65 | 0.97 | 0.88 | 1.17 | 0.90 | 1.08 |
| Operating Profit | 3.41 | 2.76 | 2.09 | 2.73 | 2.98 | 2.29 | 1.27 | 2.35 | 2.06 | 2.54 | 2.70 | 2.93 | 2.67 |
| OPM % | 82.97% | 75.82% | 70.61% | 79.82% | 79.26% | 72.24% | 44.25% | 78.33% | 67.99% | 74.27% | 69.77% | 76.50% | 71.20% |
| Other Income | 0.01 | 0.08 | 0.00 | 0.00 | 0.01 | 0.01 | 0.71 | 1.01 | 0.10 | -0.34 | -0.95 | 0.54 | -0.49 |
| Interest | 1.55 | 1.11 | 0.81 | 0.67 | 0.77 | 0.58 | 0.66 | 0.65 | 0.69 | 0.59 | 0.58 | 0.28 | 0.11 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Profit before tax | 1.87 | 1.73 | 1.28 | 2.06 | 2.21 | 1.70 | 1.30 | 2.69 | 1.45 | 1.59 | 1.15 | 3.17 | 2.05 |
| Tax % | 25.13% | 24.86% | 26.56% | 27.18% | 26.24% | 24.71% | 43.85% | 28.25% | 28.28% | 15.09% | 33.04% | 16.09% | 28.29% |
| Net Profit | 1.40 | 1.29 | 0.93 | 1.51 | 1.63 | 1.28 | 0.73 | 1.92 | 1.04 | 1.36 | 0.77 | 2.67 | 1.47 |
| EPS in Rs | 0.26 | 0.24 | 0.17 | 0.28 | 0.30 | 0.24 | 0.13 | 0.35 | 0.19 | 0.22 | 0.10 | 0.31 | 0.17 |
Last Updated: December 27, 2025, 12:07 pm
Below is a detailed analysis of the quarterly data for Comfort Fincap 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 3.75 Cr.. The value appears to be declining and may need further review. It has decreased from 3.83 Cr. (Jun 2025) to 3.75 Cr., marking a decrease of 0.08 Cr..
- For Expenses, as of Sep 2025, the value is 1.08 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.90 Cr. (Jun 2025) to 1.08 Cr., marking an increase of 0.18 Cr..
- For Operating Profit, as of Sep 2025, the value is 2.67 Cr.. The value appears to be declining and may need further review. It has decreased from 2.93 Cr. (Jun 2025) to 2.67 Cr., marking a decrease of 0.26 Cr..
- For OPM %, as of Sep 2025, the value is 71.20%. The value appears to be declining and may need further review. It has decreased from 76.50% (Jun 2025) to 71.20%, marking a decrease of 5.30%.
- For Other Income, as of Sep 2025, the value is -0.49 Cr.. The value appears to be declining and may need further review. It has decreased from 0.54 Cr. (Jun 2025) to -0.49 Cr., marking a decrease of 1.03 Cr..
- For Interest, as of Sep 2025, the value is 0.11 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.28 Cr. (Jun 2025) to 0.11 Cr., marking a decrease of 0.17 Cr..
- For Depreciation, as of Sep 2025, the value is 0.02 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.02 Cr..
- For Profit before tax, as of Sep 2025, the value is 2.05 Cr.. The value appears to be declining and may need further review. It has decreased from 3.17 Cr. (Jun 2025) to 2.05 Cr., marking a decrease of 1.12 Cr..
- For Tax %, as of Sep 2025, the value is 28.29%. The value appears to be increasing, which may not be favorable. It has increased from 16.09% (Jun 2025) to 28.29%, marking an increase of 12.20%.
- For Net Profit, as of Sep 2025, the value is 1.47 Cr.. The value appears to be declining and may need further review. It has decreased from 2.67 Cr. (Jun 2025) to 1.47 Cr., marking a decrease of 1.20 Cr..
- For EPS in Rs, as of Sep 2025, the value is 0.17. The value appears to be declining and may need further review. It has decreased from 0.31 (Jun 2025) to 0.17, marking a decrease of 0.14.
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, 3:56 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 | 2.79 | 3.98 | 4.51 | 5.40 | 7.34 | 7.39 | 7.61 | 11.13 | 12.43 | 14.67 | 13.91 | 13.07 | 14.87 |
| Expenses | 1.47 | 0.98 | 1.19 | 1.90 | 1.88 | 2.17 | 4.04 | 2.88 | 2.89 | 3.17 | 3.98 | 3.66 | 4.03 |
| Operating Profit | 1.32 | 3.00 | 3.32 | 3.50 | 5.46 | 5.22 | 3.57 | 8.25 | 9.54 | 11.50 | 9.93 | 9.41 | 10.84 |
| OPM % | 47.31% | 75.38% | 73.61% | 64.81% | 74.39% | 70.64% | 46.91% | 74.12% | 76.75% | 78.39% | 71.39% | 72.00% | 72.90% |
| Other Income | 0.01 | 0.00 | 0.01 | 0.03 | 0.02 | 0.04 | 0.02 | 0.01 | 0.07 | 0.07 | 0.05 | 0.06 | -1.24 |
| Interest | 0.45 | 0.34 | 0.32 | 0.70 | 2.09 | 1.36 | 1.69 | 2.68 | 3.41 | 5.02 | 2.67 | 2.51 | 1.56 |
| Depreciation | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.05 | 0.08 | 0.08 |
| Profit before tax | 0.86 | 2.64 | 3.00 | 2.82 | 3.38 | 3.89 | 1.89 | 5.58 | 6.20 | 6.55 | 7.26 | 6.88 | 7.96 |
| Tax % | 27.91% | 21.59% | 25.00% | 31.21% | 28.40% | 28.79% | 34.39% | 25.09% | 28.55% | 25.80% | 29.06% | 25.87% | |
| Net Profit | 0.62 | 2.07 | 2.25 | 1.94 | 2.43 | 2.78 | 1.24 | 4.18 | 4.42 | 4.86 | 5.15 | 5.10 | 6.27 |
| EPS in Rs | 0.11 | 0.38 | 0.41 | 0.36 | 0.45 | 0.51 | 0.23 | 0.77 | 0.81 | 0.90 | 0.95 | 0.64 | 0.80 |
| Dividend Payout % | 35.00% | 10.48% | 9.64% | 11.19% | 11.16% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 10.53% | 15.66% |
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 (%) | 233.87% | 8.70% | -13.78% | 25.26% | 14.40% | -55.40% | 237.10% | 5.74% | 9.95% | 5.97% | -0.97% |
| Change in YoY Net Profit Growth (%) | 0.00% | -225.18% | -22.47% | 39.04% | -10.85% | -69.80% | 292.49% | -231.36% | 4.21% | -3.99% | -6.94% |
Comfort Fincap 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: | 13% |
| 5 Years: | 11% |
| 3 Years: | 2% |
| TTM: | 11% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 9% |
| 5 Years: | 33% |
| 3 Years: | 5% |
| TTM: | 5% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 9% |
| 5 Years: | 61% |
| 3 Years: | -7% |
| 1 Year: | -22% |
| Return on Equity | |
|---|---|
| 10 Years: | 9% |
| 5 Years: | 9% |
| 3 Years: | 9% |
| Last Year: | 7% |
Last Updated: September 5, 2025, 3:01 pm
Balance Sheet
Last Updated: December 10, 2025, 4:06 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 | 10.85 | 10.85 | 10.85 | 10.85 | 10.85 | 10.85 | 10.85 | 10.85 | 10.85 | 10.85 | 10.85 | 15.97 | 17.50 |
| Reserves | 11.19 | 13.00 | 14.99 | 16.68 | 19.11 | 24.58 | 25.71 | 29.89 | 34.32 | 39.01 | 44.13 | 70.65 | 77.55 |
| Borrowings | 3.11 | 1.60 | 2.54 | 14.01 | 15.13 | 19.92 | 18.98 | 30.67 | 51.08 | 27.61 | 26.07 | 21.86 | 16.93 |
| Other Liabilities | 0.61 | 1.04 | 1.26 | 1.10 | 0.90 | 2.15 | 1.82 | 2.09 | 1.26 | 1.41 | 2.04 | 2.16 | 2.35 |
| Total Liabilities | 25.76 | 26.49 | 29.64 | 42.64 | 45.99 | 57.50 | 57.36 | 73.50 | 97.51 | 78.88 | 83.09 | 110.64 | 114.33 |
| Fixed Assets | 0.05 | 0.03 | 0.02 | 0.02 | 0.03 | 0.03 | 0.02 | 0.02 | 0.01 | 0.02 | 1.93 | 1.85 | 1.82 |
| 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 | 4.16 | 2.72 | 3.02 | 2.67 | 2.59 | 9.39 | 6.11 | 3.27 | 3.82 | 3.97 | 6.12 | 5.32 | 5.19 |
| Other Assets | 21.55 | 23.74 | 26.60 | 39.95 | 43.37 | 48.08 | 51.23 | 70.21 | 93.68 | 74.89 | 75.04 | 103.47 | 107.32 |
| Total Assets | 25.76 | 26.49 | 29.64 | 42.64 | 45.99 | 57.50 | 57.36 | 73.50 | 97.51 | 78.88 | 83.09 | 110.64 | 114.33 |
Below is a detailed analysis of the balance sheet data for Comfort Fincap 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 17.50 Cr.. The value appears strong and on an upward trend. It has increased from 15.97 Cr. (Mar 2025) to 17.50 Cr., marking an increase of 1.53 Cr..
- For Reserves, as of Sep 2025, the value is 77.55 Cr.. The value appears strong and on an upward trend. It has increased from 70.65 Cr. (Mar 2025) to 77.55 Cr., marking an increase of 6.90 Cr..
- For Borrowings, as of Sep 2025, the value is 16.93 Cr.. The value appears to be improving (decreasing). Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has decreased from 21.86 Cr. (Mar 2025) to 16.93 Cr., marking a decrease of 4.93 Cr..
- For Other Liabilities, as of Sep 2025, the value is 2.35 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 2.16 Cr. (Mar 2025) to 2.35 Cr., marking an increase of 0.19 Cr..
- For Total Liabilities, as of Sep 2025, the value is 114.33 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 110.64 Cr. (Mar 2025) to 114.33 Cr., marking an increase of 3.69 Cr..
- For Fixed Assets, as of Sep 2025, the value is 1.82 Cr.. The value appears to be declining and may need further review. It has decreased from 1.85 Cr. (Mar 2025) to 1.82 Cr., marking a decrease of 0.03 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 5.19 Cr.. The value appears to be declining and may need further review. It has decreased from 5.32 Cr. (Mar 2025) to 5.19 Cr., marking a decrease of 0.13 Cr..
- For Other Assets, as of Sep 2025, the value is 107.32 Cr.. The value appears strong and on an upward trend. It has increased from 103.47 Cr. (Mar 2025) to 107.32 Cr., marking an increase of 3.85 Cr..
- For Total Assets, as of Sep 2025, the value is 114.33 Cr.. The value appears strong and on an upward trend. It has increased from 110.64 Cr. (Mar 2025) to 114.33 Cr., marking an increase of 3.69 Cr..
Notably, the Reserves (77.55 Cr.) exceed the Borrowings (16.93 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 | -1.79 | 1.40 | 0.78 | -10.51 | -9.67 | -14.70 | -15.41 | -22.42 | -41.54 | -16.11 | -16.14 | -12.45 |
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 | 82.42 | 0.92 | 0.00 | 27.04 | 4.48 | 0.99 | 0.00 | 1.31 | 0.00 | 1.24 | 0.26 | 0.00 |
| Inventory Days | 884.66 | |||||||||||
| Days Payable | 0.00 | |||||||||||
| Cash Conversion Cycle | 967.08 | 0.92 | 0.00 | 27.04 | 4.48 | 0.99 | 0.00 | 1.31 | 0.00 | 1.24 | 0.26 | 0.00 |
| Working Capital Days | 1,801.45 | 1,739.71 | 1,639.67 | 1,520.83 | 1,237.22 | -148.17 | -138.61 | -60.01 | 2.06 | 4.23 | -32.01 | -44.96 |
| ROCE % | 5.20% | 11.78% | 12.34% | 10.07% | 12.63% | 10.45% | 6.46% | 13.01% | 11.46% | 13.32% | 12.53% | 9.91% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 2.00 | 2.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 0.88 | 0.95 | 0.90 | 4.08 | 3.85 |
| Diluted EPS (Rs.) | 0.86 | 0.95 | 0.90 | 4.08 | 3.85 |
| Cash EPS (Rs.) | 0.64 | 0.95 | 4.50 | 4.08 | 3.85 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 10.85 | 10.14 | 46.15 | 41.65 | 37.58 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 10.85 | 10.14 | 46.15 | 41.65 | 37.58 |
| Revenue From Operations / Share (Rs.) | 1.67 | 2.56 | 13.51 | 11.45 | 10.25 |
| PBDIT / Share (Rs.) | 1.19 | 1.84 | 10.69 | 8.86 | 7.62 |
| PBIT / Share (Rs.) | 1.18 | 1.83 | 10.68 | 8.86 | 7.61 |
| PBT / Share (Rs.) | 0.86 | 1.34 | 6.06 | 5.71 | 5.14 |
| Net Profit / Share (Rs.) | 0.63 | 0.94 | 4.50 | 4.08 | 3.85 |
| NP After MI And SOA / Share (Rs.) | 0.63 | 0.94 | 4.50 | 4.08 | 3.85 |
| PBDIT Margin (%) | 71.14 | 71.80 | 79.09 | 77.33 | 74.27 |
| PBIT Margin (%) | 70.58 | 71.44 | 79.08 | 77.31 | 74.25 |
| PBT Margin (%) | 51.70 | 52.22 | 44.87 | 49.87 | 50.14 |
| Net Profit Margin (%) | 38.30 | 37.02 | 33.30 | 35.59 | 37.56 |
| NP After MI And SOA Margin (%) | 38.31 | 37.02 | 33.30 | 35.59 | 37.56 |
| Return on Networth / Equity (%) | 5.88 | 9.35 | 9.74 | 9.78 | 10.25 |
| Return on Capital Employeed (%) | 10.63 | 17.60 | 22.79 | 21.02 | 19.72 |
| Return On Assets (%) | 4.60 | 6.19 | 6.18 | 4.53 | 5.68 |
| Total Debt / Equity (X) | 0.25 | 0.47 | 0.55 | 1.13 | 0.75 |
| Asset Turnover Ratio (%) | 0.13 | 0.17 | 0.16 | 0.14 | 0.17 |
| Current Ratio (X) | 4.86 | 3.04 | 2.81 | 1.86 | 2.32 |
| Quick Ratio (X) | 4.86 | 3.04 | 2.81 | 1.86 | 2.32 |
| Dividend Payout Ratio (NP) (%) | 10.63 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividend Payout Ratio (CP) (%) | 10.48 | 0.00 | 0.00 | 0.00 | 0.00 |
| Earning Retention Ratio (%) | 89.37 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash Earning Retention Ratio (%) | 89.52 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Coverage Ratio (X) | 3.77 | 3.74 | 2.31 | 2.82 | 3.08 |
| Interest Coverage Ratio (Post Tax) (X) | 3.03 | 2.93 | 1.97 | 2.30 | 2.56 |
| Enterprise Value (Cr.) | 84.09 | 74.74 | 72.32 | 73.19 | 42.69 |
| EV / Net Operating Revenue (X) | 6.32 | 5.38 | 4.93 | 5.89 | 3.84 |
| EV / EBITDA (X) | 8.88 | 7.49 | 6.24 | 7.61 | 5.17 |
| MarketCap / Net Operating Revenue (X) | 4.92 | 3.52 | 3.12 | 1.96 | 1.10 |
| Retention Ratios (%) | 89.36 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price / BV (X) | 0.75 | 0.88 | 0.91 | 0.53 | 0.30 |
| Price / Net Operating Revenue (X) | 4.92 | 3.52 | 3.12 | 1.96 | 1.10 |
| EarningsYield | 0.07 | 0.10 | 0.10 | 0.18 | 0.34 |
After reviewing the key financial ratios for Comfort Fincap Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 2.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 2.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 0.88. This value is below the healthy minimum of 5. It has decreased from 0.95 (Mar 24) to 0.88, marking a decrease of 0.07.
- For Diluted EPS (Rs.), as of Mar 25, the value is 0.86. This value is below the healthy minimum of 5. It has decreased from 0.95 (Mar 24) to 0.86, marking a decrease of 0.09.
- For Cash EPS (Rs.), as of Mar 25, the value is 0.64. This value is below the healthy minimum of 3. It has decreased from 0.95 (Mar 24) to 0.64, marking a decrease of 0.31.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 10.85. It has increased from 10.14 (Mar 24) to 10.85, marking an increase of 0.71.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 10.85. It has increased from 10.14 (Mar 24) to 10.85, marking an increase of 0.71.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 1.67. It has decreased from 2.56 (Mar 24) to 1.67, marking a decrease of 0.89.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 1.19. This value is below the healthy minimum of 2. It has decreased from 1.84 (Mar 24) to 1.19, marking a decrease of 0.65.
- For PBIT / Share (Rs.), as of Mar 25, the value is 1.18. This value is within the healthy range. It has decreased from 1.83 (Mar 24) to 1.18, marking a decrease of 0.65.
- For PBT / Share (Rs.), as of Mar 25, the value is 0.86. This value is within the healthy range. It has decreased from 1.34 (Mar 24) to 0.86, marking a decrease of 0.48.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 0.63. This value is below the healthy minimum of 2. It has decreased from 0.94 (Mar 24) to 0.63, marking a decrease of 0.31.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 0.63. This value is below the healthy minimum of 2. It has decreased from 0.94 (Mar 24) to 0.63, marking a decrease of 0.31.
- For PBDIT Margin (%), as of Mar 25, the value is 71.14. This value is within the healthy range. It has decreased from 71.80 (Mar 24) to 71.14, marking a decrease of 0.66.
- For PBIT Margin (%), as of Mar 25, the value is 70.58. This value exceeds the healthy maximum of 20. It has decreased from 71.44 (Mar 24) to 70.58, marking a decrease of 0.86.
- For PBT Margin (%), as of Mar 25, the value is 51.70. This value is within the healthy range. It has decreased from 52.22 (Mar 24) to 51.70, marking a decrease of 0.52.
- For Net Profit Margin (%), as of Mar 25, the value is 38.30. This value exceeds the healthy maximum of 10. It has increased from 37.02 (Mar 24) to 38.30, marking an increase of 1.28.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 38.31. This value exceeds the healthy maximum of 20. It has increased from 37.02 (Mar 24) to 38.31, marking an increase of 1.29.
- For Return on Networth / Equity (%), as of Mar 25, the value is 5.88. This value is below the healthy minimum of 15. It has decreased from 9.35 (Mar 24) to 5.88, marking a decrease of 3.47.
- For Return on Capital Employeed (%), as of Mar 25, the value is 10.63. This value is within the healthy range. It has decreased from 17.60 (Mar 24) to 10.63, marking a decrease of 6.97.
- For Return On Assets (%), as of Mar 25, the value is 4.60. This value is below the healthy minimum of 5. It has decreased from 6.19 (Mar 24) to 4.60, marking a decrease of 1.59.
- For Total Debt / Equity (X), as of Mar 25, the value is 0.25. This value is within the healthy range. It has decreased from 0.47 (Mar 24) to 0.25, marking a decrease of 0.22.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.13. It has decreased from 0.17 (Mar 24) to 0.13, marking a decrease of 0.04.
- For Current Ratio (X), as of Mar 25, the value is 4.86. This value exceeds the healthy maximum of 3. It has increased from 3.04 (Mar 24) to 4.86, marking an increase of 1.82.
- For Quick Ratio (X), as of Mar 25, the value is 4.86. This value exceeds the healthy maximum of 2. It has increased from 3.04 (Mar 24) to 4.86, marking an increase of 1.82.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 10.63. This value is below the healthy minimum of 20. It has increased from 0.00 (Mar 24) to 10.63, marking an increase of 10.63.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 10.48. This value is below the healthy minimum of 20. It has increased from 0.00 (Mar 24) to 10.48, marking an increase of 10.48.
- For Earning Retention Ratio (%), as of Mar 25, the value is 89.37. This value exceeds the healthy maximum of 70. It has increased from 0.00 (Mar 24) to 89.37, marking an increase of 89.37.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 89.52. This value exceeds the healthy maximum of 70. It has increased from 0.00 (Mar 24) to 89.52, marking an increase of 89.52.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 3.77. This value is within the healthy range. It has increased from 3.74 (Mar 24) to 3.77, marking an increase of 0.03.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 3.03. This value is within the healthy range. It has increased from 2.93 (Mar 24) to 3.03, marking an increase of 0.10.
- For Enterprise Value (Cr.), as of Mar 25, the value is 84.09. It has increased from 74.74 (Mar 24) to 84.09, marking an increase of 9.35.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 6.32. This value exceeds the healthy maximum of 3. It has increased from 5.38 (Mar 24) to 6.32, marking an increase of 0.94.
- For EV / EBITDA (X), as of Mar 25, the value is 8.88. This value is within the healthy range. It has increased from 7.49 (Mar 24) to 8.88, marking an increase of 1.39.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 4.92. This value exceeds the healthy maximum of 3. It has increased from 3.52 (Mar 24) to 4.92, marking an increase of 1.40.
- For Retention Ratios (%), as of Mar 25, the value is 89.36. This value exceeds the healthy maximum of 70. It has increased from 0.00 (Mar 24) to 89.36, marking an increase of 89.36.
- For Price / BV (X), as of Mar 25, the value is 0.75. This value is below the healthy minimum of 1. It has decreased from 0.88 (Mar 24) to 0.75, marking a decrease of 0.13.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 4.92. This value exceeds the healthy maximum of 3. It has increased from 3.52 (Mar 24) to 4.92, marking an increase of 1.40.
- For EarningsYield, as of Mar 25, the value is 0.07. This value is below the healthy minimum of 5. It has decreased from 0.10 (Mar 24) to 0.07, marking a decrease of 0.03.
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 Comfort Fincap Ltd:
- Net Profit Margin: 38.3%
- 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: 10.63% (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%: 5.88% (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): 3.03
- 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: 4.86
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 10.2 (Industry average Stock P/E: 50.35)
- 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: 0.25
- 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: 38.3%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | 22, Camac Street, Kolkata West Bengal 700016 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Ankur Agrawal | Chairperson & Executive Director |
| Mr. Devendra Lal Thakur | Ind. Non-Executive Director |
| Mr. Milin Jagdish Ramani | Ind. Non-Executive Director |
| Mrs. Apeksha Kadam | Non Exe.Non Ind.Director |
FAQ
What is the intrinsic value of Comfort Fincap Ltd?
Comfort Fincap Ltd's intrinsic value (as of 07 January 2026) is ₹6.49 which is 11.10% lower the current market price of ₹7.30, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹63.9 Cr. market cap, FY2025-2026 high/low of ₹10.6/6.51, reserves of ₹77.55 Cr, and liabilities of ₹114.33 Cr.
What is the Market Cap of Comfort Fincap Ltd?
The Market Cap of Comfort Fincap Ltd is 63.9 Cr..
What is the current Stock Price of Comfort Fincap Ltd as on 07 January 2026?
The current stock price of Comfort Fincap Ltd as on 07 January 2026 is ₹7.30.
What is the High / Low of Comfort Fincap Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Comfort Fincap Ltd stocks is ₹10.6/6.51.
What is the Stock P/E of Comfort Fincap Ltd?
The Stock P/E of Comfort Fincap Ltd is 10.2.
What is the Book Value of Comfort Fincap Ltd?
The Book Value of Comfort Fincap Ltd is 10.9.
What is the Dividend Yield of Comfort Fincap Ltd?
The Dividend Yield of Comfort Fincap Ltd is 1.37 %.
What is the ROCE of Comfort Fincap Ltd?
The ROCE of Comfort Fincap Ltd is 9.91 %.
What is the ROE of Comfort Fincap Ltd?
The ROE of Comfort Fincap Ltd is 7.20 %.
What is the Face Value of Comfort Fincap Ltd?
The Face Value of Comfort Fincap Ltd is 2.00.