Generic selectors
Exact matches only
Search in title
Search in content
Post Type Selectors
post
Last Updated on: 12 December, 2024
Author: Getaka|Social: Getaka Financial Technology X (Earlier Twitter) Profile Getaka Financial Technology LinkedIn Logo
Stock Ticker - BSE: 531216 | NSE: COMFINTE

Comfort Intech Ltd: Share Price Intrinsic Value and Fundamental Analysis

Share Price and Basic Stock Data

Last Updated: December 11, 2024, 9:38 pm

Market Cap 454 Cr.
Current Price 14.2
High / Low21.2/7.63
Stock P/E20.1
Book Value 6.05
Dividend Yield0.49 %
ROCE6.53 %
ROE11.9 %
Face Value 1.00
PEG Ratio1.12

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

View Share Price Target for Comfort Intech Ltd

Competitors of Comfort Intech Ltd

Stock NameMarket CapCurrent PriceHigh / LowStock P/EBook ValueDividend YieldROCEROEFace Value
Munoth Financial Services Ltd 34.4 Cr. 66.981.3/54.6 21.20.00 %1.71 %1.79 % 10.0
My Money Securities Ltd 96.8 Cr. 57.669.2/0.007.47 18.50.00 %12.0 %11.3 % 10.0
Nam Securities Ltd 83.0 Cr. 154198/62.8231 21.20.00 %4.16 %3.05 % 10.0
Naperol Investments Ltd 771 Cr. 1,3422,041/801787 3,2040.00 %0.08 %0.05 % 10.0
Inani Securities Ltd 13.3 Cr. 29.142.0/20.59.17 42.20.00 %10.6 %6.92 % 10.0
Industry Average7,259.48 Cr1,995.133,698.985,416.000.29%15.12%16.63%7.38

All Competitor Stocks of Comfort Intech Ltd

Quarterly Result

MonthJun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024
Sales16.7041.2933.5219.4938.6035.3136.2631.1823.4126.6345.9962.2438.92
Expenses14.4539.8632.2917.4137.2532.5233.1830.5521.3623.0042.8160.4236.89
Operating Profit2.251.431.232.081.352.793.080.632.053.633.181.822.03
OPM %13.47%3.46%3.67%10.67%3.50%7.90%8.49%2.02%8.76%13.63%6.91%2.92%5.22%
Other Income0.070.000.060.210.240.190.380.21-0.020.160.050.403.02
Interest0.100.200.060.320.190.120.140.220.230.270.450.800.61
Depreciation0.050.040.030.030.050.060.060.070.060.060.100.160.23
Profit before tax2.171.191.201.941.352.803.260.551.743.462.681.264.21
Tax %26.27%26.05%23.33%28.35%28.89%32.50%19.33%27.27%26.44%26.01%22.39%36.51%26.84%
Net Profit5.231.471.26-0.180.475.202.51-1.132.325.166.742.878.29
EPS in Rs0.160.050.04-0.010.010.160.08-0.040.070.160.210.100.26

Last Updated: Unknown

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: Unknown

MonthMar 2013Mar 2014Mar 2015Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024TTM
Sales1512141022535985111141157174
Expenses9138816535979104133148163
Operating Profit6-0626106781011
OPM %41%-4%43%20%27%1%1%8%7%6%6%6%
Other Income000011000124
Interest321000011122
Depreciation000000000001
Profit before tax3-35271-0678912
Tax %23%11%4%26%29%12%530%17%26%26%27%
Net Profit3-35140-210871723
EPS in Rs0.08-0.100.160.040.110.00-0.070.320.240.220.540.73
Dividend Payout %24%0%12%24%26%0%0%0%21%27%13%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2013-20142014-20152017-20182018-20192020-20212021-20222022-20232023-2024
YoY Net Profit Growth (%)-200.00%266.67%300.00%-100.00%600.00%-20.00%-12.50%142.86%
Change in YoY Net Profit Growth (%)0.00%466.67%33.33%-400.00%700.00%-620.00%7.50%155.36%

Comfort Intech Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 8 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:29%
5 Years:24%
3 Years:23%
TTM:63%
Compounded Profit Growth
10 Years:22%
5 Years:169%
3 Years:19%
TTM:155%
Stock Price CAGR
10 Years:19%
5 Years:93%
3 Years:71%
1 Year:81%
Return on Equity
10 Years:%
5 Years:7%
3 Years:8%
Last Year:12%

Last Updated: Unknown

Balance Sheet

Last Updated: Unknown

MonthMar 2013Mar 2014Mar 2015Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Equity Capital3232323232323232323232
Reserves60566170747166778388134
Borrowings191421243113929
Other Liabilities26237141020283973
Total Liabilities11310896106115121110140146167268
Fixed Assets111999812121347
CWIP00000000000
Investments1016172625252022444674
Other Assets10291797280878210690108147
Total Assets11310896106115121110140146167268

Reserves and Borrowings Chart

Cash Flow

MonthMar 2013Mar 2014Mar 2015Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Cash from Operating Activity +91510-512-5-1-134-3-9
Cash from Investing Activity +0-6-021-3-161-11
Cash from Financing Activity +-9-8-13-301-18-848
Net Cash Flow-01-4-612-7-31-300

Free Cash Flow

MonthMar 2013Mar 2014Mar 2015Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Free Cash Flow-13.00-14.004.001.004.00-3.00-3.00-5.004.00-1.00-19.00

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 2013Mar 2014Mar 2015Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Debtor Days151127167105143174127142227
Inventory Days7386102,310292122304147201413
Days Payable0114159145936196104107162
Cash Conversion Cycle7396142,29626014442123124435078
Working Capital Days1,8722,0431,7001,911732386312281148136156
ROCE %-1%6%6%1%0%6%6%7%7%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthDec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
Promoters55.65%56.14%56.66%57.07%57.46%57.46%57.46%57.46%57.46%57.46%57.46%56.08%
FIIs1.49%1.49%1.49%1.49%1.49%1.49%0.48%0.00%0.00%0.00%0.00%0.00%
Public42.86%42.37%41.85%41.44%41.04%41.05%42.05%42.53%42.54%42.54%42.54%43.93%
No. of Shareholders7,0837,4597,4327,4157,3687,93526,54141,41163,35387,49798,5491,32,074

Shareholding Pattern Chart

No. of Shareholders

This stock is not held by any mutual fund

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 24Mar 23Mar 22Mar 21Mar 20
FaceValue1.0010.0010.0010.0010.00
Basic EPS (Rs.)0.542.202.433.19-0.69
Diluted EPS (Rs.)0.542.202.433.19-0.69
Cash EPS (Rs.)0.221.921.541.57-0.13
Book Value[Excl.RevalReserv]/Share (Rs.)5.5137.6136.0134.2130.59
Book Value[Incl.RevalReserv]/Share (Rs.)5.5137.6136.0134.2130.59
Revenue From Operations / Share (Rs.)4.9144.2134.7626.5718.52
PBDIT / Share (Rs.)0.352.772.292.010.06
PBIT / Share (Rs.)0.332.702.251.950.00
PBT / Share (Rs.)0.282.492.041.81-0.03
Net Profit / Share (Rs.)0.201.841.501.51-0.19
NP After MI And SOA / Share (Rs.)0.532.202.433.19-0.69
PBDIT Margin (%)7.176.276.607.550.33
PBIT Margin (%)6.926.106.477.320.00
PBT Margin (%)5.805.635.866.81-0.17
Net Profit Margin (%)4.254.164.315.67-1.06
NP After MI And SOA Margin (%)10.974.976.9812.01-3.74
Return on Networth / Equity (%)10.395.846.749.32-2.26
Return on Capital Employeed (%)6.077.126.215.680.00
Return On Assets (%)6.394.195.327.27-2.01
Total Debt / Equity (X)0.170.070.020.100.02
Asset Turnover Ratio (%)0.710.930.800.690.51
Current Ratio (X)1.592.212.733.147.07
Quick Ratio (X)1.542.112.572.886.61
Inventory Turnover Ratio (X)0.000.000.005.223.59
Dividend Payout Ratio (NP) (%)11.1222.730.000.000.00
Dividend Payout Ratio (CP) (%)10.8721.980.000.000.00
Earning Retention Ratio (%)88.8877.270.000.000.00
Cash Earning Retention Ratio (%)89.1378.020.000.000.00
Interest Coverage Ratio (X)6.4213.3610.7714.731.85
Interest Coverage Ratio (Post Tax) (X)4.819.878.0412.07-4.93
Enterprise Value (Cr.)354.2794.3868.8624.301.68
EV / Net Operating Revenue (X)2.250.660.610.280.02
EV / EBITDA (X)31.4310.639.383.798.55
MarketCap / Net Operating Revenue (X)2.050.650.640.260.12
Retention Ratios (%)88.8777.260.000.000.00
Price / BV (X)1.940.760.620.200.07
Price / Net Operating Revenue (X)2.050.650.640.260.12
EarningsYield0.050.070.100.45-0.29

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Comfort Intech Ltd as of December 12, 2024 is: 14.54

Calculation basis:

  • Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of December 12, 2024, Comfort Intech Ltd is Undervalued by 2.39% compared to the current share price 14.20

Intrinsic Value of Comfort Intech Ltd as of December 12, 2024 is: 17.15

Calculation basis:

  • Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
  • EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of December 12, 2024, Comfort Intech Ltd is Undervalued by 20.77% compared to the current share price 14.20

Last 5 Year EPS CAGR: 17.93%

*Investments are subject to market risks

Strength and Weakness

StrengthWeakness
  1. The stock is trading at a low valuation with an average P/B ratio of 1.45 and average Dividend Yield of 5.36%.
  2. The company has higher reserves (76.36 cr) compared to borrowings (8.82 cr), indicating strong financial stability.
  3. The company has shown consistent growth in sales (71.08 cr) and profit (4.75 cr) over the years.
  1. The stock has a low average ROCE of 3.45%, which may not be favorable.
  2. The stock has a high average Working Capital Days of 196.00, which may not be favorable.
  3. The stock has a high average Cash Conversion Cycle of 201.73, which may not be favorable.

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 Intech Ltd:
    1. Net Profit Margin: 4.25%
      • 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.
    2. ROCE: 6.07% (Industry Average ROCE: 15.12%)
      • 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.
    3. ROE%: 10.39% (Industry Average ROE: 16.63%)
      • ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
    4. Interest Coverage Ratio (Post Tax): 4.81
      • 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.
    5. Quick Ratio: 1.54
      • 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.
    6. Stock P/E: 20.1 (Industry average Stock P/E: 3)
      • 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.
    7. Total Debt / Equity: 0.17
      • 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.
    The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
    Stock Rating:

About the Company - Qualitative Analysis

Comfort Intech Ltd. is a Public Limited Listed company incorporated on 17/10/1994 and has its registered office in the State of Daman & Diu, India. Company’s Corporate Identification Number(CIN) is L74110DD1994PLC001678 and registration number is 001678. Currently company belongs to the Industry of Finance & Investments. Company’s Total Operating Revenue is Rs. 111.20 Cr. and Equity Capital is Rs. 31.99 Cr. for the Year ended 31/03/2022.
INDUSTRYADDRESSCONTACT
Finance & Investments106, Avkar, Algani Nagar, Daman Daman & Diu 396210info@comfortintech.com
http://www.comfortintech.com
Management
NamePosition Held
Mr. Ankur Anil AgrawalNon Exe. Non Ind Chairperson
Mrs. Apeksha KadamWoman Executive Director
Mr. Devendra Lal ThakurInd. Non-Executive Director
Mr. Milin RamaniInd. Non-Executive Director
Mr. Hiten ShahInd. Non-Executive Director
Mr. Vibhor KaleInd. Non-Executive Director

FAQ

What is the latest intrinsic value of Comfort Intech Ltd?

The latest intrinsic value of Comfort Intech Ltd as on 12 December 2024 is ₹14.54, which is 2.39% higher than the current market price of ₹14.20. The stock has a market capitalization of 454 Cr. and recorded a high/low of ₹21.2/7.63 during the current fiscal year 2024-2025. As of Mar 2024, the company has reserves of ₹134 Cr and total liabilities of ₹268 Cr.

What is the Market Cap of Comfort Intech Ltd?

The Market Cap of Comfort Intech Ltd is 454 Cr..

What is the current Stock Price of Comfort Intech Ltd as on 12 December 2024?

The current stock price of Comfort Intech Ltd as on 12 December 2024 is 14.2.

What is the High / Low of Comfort Intech Ltd stocks in FY 2024-2025?

In FY 2024-2025, the High / Low of Comfort Intech Ltd stocks is 21.2/7.63.

What is the Stock P/E of Comfort Intech Ltd?

The Stock P/E of Comfort Intech Ltd is 20.1.

What is the Book Value of Comfort Intech Ltd?

The Book Value of Comfort Intech Ltd is 6.05.

What is the Dividend Yield of Comfort Intech Ltd?

The Dividend Yield of Comfort Intech Ltd is 0.49 %.

What is the ROCE of Comfort Intech Ltd?

The ROCE of Comfort Intech Ltd is 6.53 %.

What is the ROE of Comfort Intech Ltd?

The ROE of Comfort Intech Ltd is 11.9 %.

What is the Face Value of Comfort Intech Ltd?

The Face Value of Comfort Intech Ltd is 1.00.

About the Author

Author Avatar
Getaka

Getaka, CFA, a financial analyst with 15 years of experience in the industry. Getaka holds an MBA degree and the Chartered Financial Analyst designation, demonstrating his profound understanding of financial analysis and investment management. Throughout his career, he has conducted numerous financial analyses and due diligence processes for companies in the industry, and has a strong track record of identifying key trends and opportunities. He leverages his expertise to deliver a thorough financial analysis of a company, encompassing its financial performance, key ratios, future prospects, and risks. Getaka is committed to providing accurate, reliable, and trustworthy information to help readers make informed decisions about their finances and investments.

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 Intech 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