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Last Updated: April 2, 2026, 4:23 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 535267 | NSE: COMFINCAP

Comfort Fincap Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹5.60Overvalued by 20.34%vs CMP ₹7.03

P/E (8.8) × ROE (7.2%) × BV (₹10.90) × DY (1.42%)

₹8.55Undervalued by 21.62%vs CMP ₹7.03
MoS: +17.8% (Adequate)Confidence: 48/100 (Moderate)Models: 5 Under, 3 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹5.6423%Over (-19.8%)
Graham NumberEarnings₹14.3517%Under (+104.1%)
Earnings PowerEarnings₹4.6914%Over (-33.3%)
DCFCash Flow₹9.0614%Under (+28.9%)
Net Asset ValueAssets₹10.567%Under (+50.2%)
EV/EBITDAEnterprise₹0.079%Over (-99%)
Earnings YieldEarnings₹8.407%Under (+19.5%)
ROCE CapitalReturns₹17.359%Under (+146.8%)
Consensus (8 models)₹8.55100%Undervalued
Key Drivers: Wide model spread (₹0–₹17) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 0.7%

*Investments are subject to market risks

Investment Snapshot

63
Comfort Fincap Ltd scores 63/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health65/100 · Strong
ROCE 9.9% AverageROE 7.2% AverageD/E 0.75 ModerateInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money50/100 · Moderate
FII holding stable No changePromoter holding at 54.9% Stable
Earnings Quality60/100 · Moderate
Working capital: -45 days (improving) Efficient
Quarterly Momentum70/100 · Strong
Profit (4Q): +43% YoY Strong
Industry Rank65/100 · Strong
P/E 8.8 vs industry 101.6 Cheaper than peersROCE 9.9% vs industry 15.8% Average

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, 4:23 am

Market Cap 63.3 Cr.
Current Price 7.03
Intrinsic Value₹8.55
High / Low 10.3/6.06
Stock P/E8.79
Book Value 10.9
Dividend Yield1.42 %
ROCE9.91 %
ROE7.20 %
Face Value 2.00
PEG Ratio12.04

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

View Share Price Target for Comfort Fincap Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Comfort Fincap Ltd 63.3 Cr. 7.03 10.3/6.068.79 10.91.42 %9.91 %7.20 % 2.00
Anna Infrastructures Ltd 12.0 Cr. 31.4 39.9/21.98.79 28.10.00 %6.14 %4.51 % 10.0
Nalin Lease Finance Ltd 26.2 Cr. 40.0 82.9/35.38.74 56.00.00 %13.4 %10.6 % 10.0
Balmer Lawrie Investment Ltd 1,505 Cr. 67.8 95.8/62.38.73 61.26.34 %17.2 %13.2 % 1.00
Money Masters Leasing & Finance Ltd 5.72 Cr. 0.57 2.05/0.558.54 1.570.00 %4.42 %3.94 % 1.00
Industry Average22,241.21 Cr369.74101.56513.160.26%15.81%8.84%8.50

All Competitor Stocks of Comfort Fincap Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue3.642.963.423.763.172.873.003.033.423.873.833.754.52
Interest 1.110.810.670.770.580.660.650.690.590.580.280.110.51
Expenses 0.880.870.690.780.881.600.650.970.881.170.901.080.92
Financing Profit1.651.282.062.211.710.611.701.371.952.122.652.563.09
Financing Margin %45.33%43.24%60.23%58.78%53.94%21.25%56.67%45.21%57.02%54.78%69.19%68.27%68.36%
Other Income 0.080.000.000.010.010.711.010.10-0.34-0.950.54-0.49-0.04
Depreciation 0.000.000.000.010.020.020.020.020.020.020.020.020.02
Profit before tax 1.731.282.062.211.701.302.691.451.591.153.172.053.03
Tax % 24.86%26.56%27.18%26.24%24.71%43.85%28.25%28.28%15.09%33.04%16.09%28.29%24.42%
Net Profit 1.290.931.511.631.280.731.921.041.360.772.671.472.29
EPS in Rs 0.240.170.280.300.240.130.350.190.220.100.310.170.26
Gross NPA %
Net NPA %

Last Updated: February 2, 2026, 1:16 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 27, 2026, 2:45 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue2.793.984.515.407.347.397.6111.1312.4314.6713.9113.0715.97
Interest 0.450.340.320.702.091.361.692.683.415.022.672.511.48
Expenses 1.470.981.191.901.882.174.042.882.893.173.983.664.07
Financing Profit0.872.663.002.803.373.861.885.576.136.487.266.9010.42
Financing Margin %31.18%66.83%66.52%51.85%45.91%52.23%24.70%50.04%49.32%44.17%52.19%52.79%65.25%
Other Income 0.01-0.000.010.030.020.040.020.010.070.070.050.06-0.94
Depreciation 0.020.020.010.010.010.010.01-0.00-0.00-0.000.050.080.08
Profit before tax 0.862.643.002.823.383.891.895.586.206.557.266.889.40
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 0.622.072.251.942.432.781.244.184.424.865.155.107.20
EPS in Rs 0.110.380.410.360.450.510.230.770.810.900.950.640.84
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%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
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: February 1, 2026, 2:35 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 10.8510.8510.8510.8510.8510.8510.8510.8510.8510.8510.8515.9717.50
Reserves 11.1913.0014.9916.6819.1124.5825.7129.8934.3239.0144.1370.6577.55
Borrowing3.111.602.5414.0115.1319.9218.9830.6751.0827.6126.0721.8616.93
Other Liabilities 0.611.041.261.100.902.151.822.091.261.412.042.162.35
Total Liabilities 25.7626.4929.6442.6445.9957.5057.3673.5097.5178.8883.09110.64114.33
Fixed Assets 0.050.030.020.020.030.030.020.020.010.021.931.851.82
CWIP 0.000.000.000.000.000.000.000.000.000.000.000.000.00
Investments 4.162.723.022.672.599.396.113.273.823.976.125.325.19
Other Assets 21.5523.7426.6039.9543.3748.0851.2370.2193.6874.8975.04103.47107.32
Total Assets 25.7626.4929.6442.6445.9957.5057.3673.5097.5178.8883.09110.64114.33

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + 1.66-2.31-0.27-11.361.20-4.530.51-13.11-15.0127.004.17-19.73
Cash from Investing Activity + -0.302.510.340.670.14-0.011.354.110.00-0.01-0.700.52
Cash from Financing Activity + -1.54-2.110.3510.51-1.233.11-2.639.0017.00-28.47-4.2219.86
Net Cash Flow -0.18-1.900.42-0.180.11-1.43-0.760.001.98-1.48-0.750.64
Free Cash Flow 1.66-2.31-0.27-11.361.19-4.540.51-13.11-15.0126.993.47-19.73
CFO/OP 155%-60%8%-298%40%-73%40%-139%-132%247%60%-192%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-1.64-0.62-1.35-12.11-13.25-17.75-14.94-27.79-48.19-24.44-22.09-18.20

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

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days 82.420.920.0027.044.480.990.001.310.001.240.260.00
Inventory Days 884.66
Days Payable 0.00
Cash Conversion Cycle 967.080.920.0027.044.480.990.001.310.001.240.260.00
Working Capital Days 1,801.451,739.711,639.671,520.831,237.22-148.17-138.61-60.012.064.23-32.01-44.96
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%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 55.09%55.34%55.62%55.62%56.19%56.75%56.75%57.37%53.60%54.61%54.91%54.91%
FIIs 1.57%1.57%1.01%1.01%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
Public 43.35%43.10%43.38%43.38%43.81%43.25%43.25%42.64%46.40%45.39%45.09%45.09%
No. of Shareholders 4,1525,9658,00911,02114,23914,50115,96216,39616,23316,82916,68516,541

Shareholding Pattern Chart

No. of Shareholders

Comfort Fincap 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

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 2.002.0010.0010.0010.00
Basic EPS (Rs.) 0.880.950.904.083.85
Diluted EPS (Rs.) 0.860.950.904.083.85
Cash EPS (Rs.) 0.640.954.504.083.85
Book Value[Excl.RevalReserv]/Share (Rs.) 10.8510.1446.1541.6537.58
Book Value[Incl.RevalReserv]/Share (Rs.) 10.8510.1446.1541.6537.58
Revenue From Operations / Share (Rs.) 1.672.5613.5111.4510.25
PBDIT / Share (Rs.) 1.191.8410.698.867.62
PBIT / Share (Rs.) 1.181.8310.688.867.61
PBT / Share (Rs.) 0.861.346.065.715.14
Net Profit / Share (Rs.) 0.630.944.504.083.85
NP After MI And SOA / Share (Rs.) 0.630.944.504.083.85
PBDIT Margin (%) 71.1471.8079.0977.3374.27
PBIT Margin (%) 70.5871.4479.0877.3174.25
PBT Margin (%) 51.7052.2244.8749.8750.14
Net Profit Margin (%) 38.3037.0233.3035.5937.56
NP After MI And SOA Margin (%) 38.3137.0233.3035.5937.56
Return on Networth / Equity (%) 5.889.359.749.7810.25
Return on Capital Employeed (%) 10.6317.6022.7921.0219.72
Return On Assets (%) 4.606.196.184.535.68
Total Debt / Equity (X) 0.250.470.551.130.75
Asset Turnover Ratio (%) 0.130.170.160.140.17
Current Ratio (X) 4.863.042.811.862.32
Quick Ratio (X) 4.863.042.811.862.32
Dividend Payout Ratio (NP) (%) 10.630.000.000.000.00
Dividend Payout Ratio (CP) (%) 10.480.000.000.000.00
Earning Retention Ratio (%) 89.370.000.000.000.00
Cash Earning Retention Ratio (%) 89.520.000.000.000.00
Interest Coverage Ratio (X) 3.773.742.312.823.08
Interest Coverage Ratio (Post Tax) (X) 3.032.931.972.302.56
Enterprise Value (Cr.) 84.0974.7472.3273.1942.69
EV / Net Operating Revenue (X) 6.325.384.935.893.84
EV / EBITDA (X) 8.887.496.247.615.17
MarketCap / Net Operating Revenue (X) 4.923.523.121.961.10
Retention Ratios (%) 89.360.000.000.000.00
Price / BV (X) 0.750.880.910.530.30
Price / Net Operating Revenue (X) 4.923.523.121.961.10
EarningsYield 0.070.100.100.180.34

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Comfort Fincap Ltd. is a Public Limited Listed company incorporated on 12/11/1982 and has its registered office in the State of West Bengal, India. Company's Corporate Identification Number(CIN) is L65923WB1982PLC035441 and registration number is 035441. Currently company belongs to the Industry of Non-Banking Financial Company (NBFC). Company's Total Operating Revenue is Rs. 13.31 Cr. and Equity Capital is Rs. 15.97 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)22, Camac Street, Kolkata West Bengal 700016Contact not found
Management
NamePosition Held
Mr. Ankur AgrawalChairperson & Executive Director
Mr. Devendra Lal ThakurInd. Non-Executive Director
Mr. Milin Jagdish RamaniInd. Non-Executive Director
Mrs. Apeksha KadamNon Exe.Non Ind.Director

FAQ

What is the intrinsic value of Comfort Fincap Ltd and is it undervalued?

As of 14 April 2026, Comfort Fincap Ltd's intrinsic value is ₹8.55, which is 21.62% higher than the current market price of ₹7.03, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (7.20 %), book value (₹10.9), dividend yield (1.42 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Comfort Fincap Ltd?

Comfort Fincap Ltd is trading at ₹7.03 as of 14 April 2026, with a FY2026-2027 high of ₹10.3 and low of ₹6.06. The stock is currently near its 52-week low. Market cap stands at ₹63.3 Cr..

How does Comfort Fincap Ltd's P/E ratio compare to its industry?

Comfort Fincap Ltd has a P/E ratio of 8.79, which is below the industry average of 101.56. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is Comfort Fincap Ltd financially healthy?

Key indicators for Comfort Fincap Ltd: ROCE of 9.91 % is on the lower side compared to the industry average of 15.81%; ROE of 7.20 % is below ideal levels (industry average: 8.84%). Dividend yield is 1.42 %.

Is Comfort Fincap Ltd profitable and how is the profit trend?

Comfort Fincap Ltd reported a net profit of ₹5 Cr in Mar 2025 on revenue of ₹13 Cr. Compared to ₹4 Cr in Mar 2022, the net profit shows an improving trend.

Does Comfort Fincap Ltd pay dividends?

Comfort Fincap Ltd has a dividend yield of 1.42 % at the current price of ₹7.03. The company pays dividends, though the yield is modest.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Comfort Fincap Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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