Credent Global Finance Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: April 4, 2025, 10:14 am

Market Cap	140 Cr.
Current Price	27.3
High / Low	47.6/21.2
Stock P/E
Book Value	14.0
Dividend Yield	0.00 %
ROCE	3.14 %
ROE	2.76 %
Face Value	2.00
PEG Ratio	0.00

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

Stock P/E Current Price Intrinsic Value

View Share Price Target for Credent Global Finance Ltd

Competitors of Credent Global Finance Ltd

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Minolta Finance Ltd	16.0 Cr.	1.60	1.91/0.65	178	1.08	0.00 %	0.59 %	0.47 %	1.00
Money Masters Leasing & Finance Ltd	19.7 Cr.	1.96	19.5/1.78	25.2	1.56	0.00 %	2.57 %	4.07 %	1.00
Moneyboxx Finance Ltd	780 Cr.	239	373/158	73.3	81.0	0.00 %	11.4 %	7.45 %	10.0
Moongipa Capital Finance Ltd	18.7 Cr.	20.4	41.0/17.7	9.63	8.69	0.00 %	34.9 %	31.6 %	10.0
Morarka Finance Ltd	45.9 Cr.	102	191/95.0	16.4	387	5.88 %	4.04 %	3.58 %	10.0
Industry Average	24,811.25 Cr	522.88		40.32	534.29	0.27%	19.43%	10.58%	8.49

All Competitor Stocks of Credent Global Finance Ltd

Quarterly Result

Metric	Jun 2012	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Sales	0.03	1.24	0.37	1.09	1.74	15.64	2.67	1.94	3.14	4.61	4.88	3.28	3.48
Expenses	0.01	0.30	0.47	0.51	0.62	6.02	1.39	2.24	2.51	3.21	14.49	1.87	2.36
Operating Profit	0.02	0.94	-0.10	0.58	1.12	9.62	1.28	-0.30	0.63	1.40	-9.61	1.41	1.12
OPM %	66.67%	75.81%	-27.03%	53.21%	64.37%	61.51%	47.94%	-15.46%	20.06%	30.37%	-196.93%	42.99%	32.18%
Other Income	0.00	0.18	0.70	0.15	0.00	0.10	0.13	0.04	0.10	0.24	0.15	0.40	-0.05
Interest	0.00	0.00	0.00	0.01	0.00	1.27	0.66	0.54	0.68	0.48	0.53	0.49	0.59
Depreciation	0.00	0.00	0.00	0.00	0.07	0.54	0.24	0.24	0.25	0.28	0.40	0.40	0.34
Profit before tax	0.02	1.12	0.60	0.72	1.05	7.91	0.51	-1.04	-0.20	0.88	-10.39	0.92	0.14
Tax %	50.00%	27.68%	25.00%	19.44%	29.52%	34.51%	27.45%	7.69%	70.00%	-176.14%	-7.41%	132.61%	192.86%
Net Profit	0.01	0.80	0.45	0.58	0.75	5.18	0.37	-1.12	-0.34	2.43	-9.62	-0.30	-0.12
EPS in Rs	0.00	0.18	0.09	0.11	0.14	0.99	0.07	-0.22	-0.07	0.47	-1.87	-0.06	-0.02

Last Updated: February 28, 2025, 12:19 pm

Below is a detailed analysis of the quarterly data for Credent Global Finance Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Sales, as of Dec 2024, the value is ₹3.48 Cr.. The value appears strong and on an upward trend. It has increased from 3.28 Cr. (Sep 2024) to ₹3.48 Cr., marking an increase of 0.20 Cr..
For Expenses, as of Dec 2024, the value is ₹2.36 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1.87 Cr. (Sep 2024) to ₹2.36 Cr., marking an increase of 0.49 Cr..
For Operating Profit, as of Dec 2024, the value is ₹1.12 Cr.. The value appears to be declining and may need further review. It has decreased from 1.41 Cr. (Sep 2024) to ₹1.12 Cr., marking a decrease of 0.29 Cr..
For OPM %, as of Dec 2024, the value is 32.18%. The value appears to be declining and may need further review. It has decreased from 42.99% (Sep 2024) to 32.18%, marking a decrease of 10.81%.
For Other Income, as of Dec 2024, the value is ₹-0.05 Cr.. The value appears to be declining and may need further review. It has decreased from 0.40 Cr. (Sep 2024) to ₹-0.05 Cr., marking a decrease of 0.45 Cr..
For Interest, as of Dec 2024, the value is ₹0.59 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.49 Cr. (Sep 2024) to ₹0.59 Cr., marking an increase of 0.10 Cr..
For Depreciation, as of Dec 2024, the value is ₹0.34 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.40 Cr. (Sep 2024) to ₹0.34 Cr., marking a decrease of 0.06 Cr..
For Profit before tax, as of Dec 2024, the value is ₹0.14 Cr.. The value appears to be declining and may need further review. It has decreased from 0.92 Cr. (Sep 2024) to ₹0.14 Cr., marking a decrease of 0.78 Cr..
For Tax %, as of Dec 2024, the value is 192.86%. The value appears to be increasing, which may not be favorable. It has increased from 132.61% (Sep 2024) to 192.86%, marking an increase of 60.25%.
For Net Profit, as of Dec 2024, the value is ₹-0.12 Cr.. The value appears strong and on an upward trend. It has increased from -0.30 Cr. (Sep 2024) to ₹-0.12 Cr., marking an increase of 0.18 Cr..
For EPS in Rs, as of Dec 2024, the value is -0.02. The value appears strong and on an upward trend. It has increased from -0.06 (Sep 2024) to -0.02, marking an increase of 0.04.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 6, 2025, 1:28 pm

Metric	Mar 2022	Mar 2023	Mar 2024	TTM
Sales	1.70	19.47	12.37	16.25
Expenses	0.42	6.99	9.24	21.93
Operating Profit	1.28	12.48	3.13	-5.68
OPM %	75.29%	64.10%	25.30%	-34.95%
Other Income	0.20	0.10	0.40	0.74
Interest	0.00	1.89	2.37	2.09
Depreciation	0.00	0.61	1.02	1.42
Profit before tax	1.48	10.08	0.14	-8.45
Tax %	27.70%	33.23%	-857.14%
Net Profit	1.07	6.74	1.34	-7.61
EPS in Rs	0.25	1.29	0.26	-1.48
Dividend Payout %	0.00%	5.15%	0.00%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2022-2023	2023-2024
YoY Net Profit Growth (%)	529.91%	-80.12%
Change in YoY Net Profit Growth (%)	0.00%	-610.03%

Credent Global Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 2 years from 2022-2023 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	%
5 Years:	%
3 Years:	%
TTM:	-31%

Compounded Profit Growth
10 Years:	%
5 Years:	%
3 Years:	%
TTM:	-286%

Stock Price CAGR
10 Years:	%
5 Years:	73%
3 Years:	49%
1 Year:	-11%

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

Last Updated: Unknown

Balance Sheet

Last Updated: December 14, 2024, 1:55 pm

Month	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	5.55	6.94	10.29	10.29
Reserves	1.68	17.52	62.47	61.98
Borrowings	0.14	40.35	22.48	19.76
Other Liabilities	0.55	11.00	11.68	18.07
Total Liabilities	7.92	75.81	106.92	110.10
Fixed Assets	0.04	11.96	16.26	17.89
CWIP	0.00	0.00	0.00	0.00
Investments	0.00	27.67	33.17	22.06
Other Assets	7.88	36.18	57.49	70.15
Total Assets	7.92	75.81	106.92	110.10

Below is a detailed analysis of the balance sheet data for Credent Global Finance Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, the value is ₹10.29 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 10.29 Cr..
For Reserves, as of Sep 2024, the value is ₹61.98 Cr.. The value appears to be declining and may need further review. It has decreased from 62.47 Cr. (Mar 2024) to ₹61.98 Cr., marking a decrease of 0.49 Cr..
For Borrowings, as of Sep 2024, the value is ₹19.76 Cr.. The value appears to be improving (decreasing). Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has decreased from 22.48 Cr. (Mar 2024) to ₹19.76 Cr., marking a decrease of 2.72 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹18.07 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 11.68 Cr. (Mar 2024) to ₹18.07 Cr., marking an increase of 6.39 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹110.10 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 106.92 Cr. (Mar 2024) to ₹110.10 Cr., marking an increase of 3.18 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹17.89 Cr.. The value appears strong and on an upward trend. It has increased from 16.26 Cr. (Mar 2024) to ₹17.89 Cr., marking an increase of 1.63 Cr..
For CWIP, as of Sep 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
For Investments, as of Sep 2024, the value is ₹22.06 Cr.. The value appears to be declining and may need further review. It has decreased from 33.17 Cr. (Mar 2024) to ₹22.06 Cr., marking a decrease of 11.11 Cr..
For Other Assets, as of Sep 2024, the value is ₹70.15 Cr.. The value appears strong and on an upward trend. It has increased from 57.49 Cr. (Mar 2024) to ₹70.15 Cr., marking an increase of 12.66 Cr..
For Total Assets, as of Sep 2024, the value is ₹110.10 Cr.. The value appears strong and on an upward trend. It has increased from 106.92 Cr. (Mar 2024) to ₹110.10 Cr., marking an increase of 3.18 Cr..

Notably, the Reserves (61.98 Cr.) exceed the Borrowings (19.76 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.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	-5.86	-23.63	-18.36
Cash from Investing Activity +	0.19	-17.41	-12.58
Cash from Financing Activity +	5.69	44.19	28.95
Net Cash Flow	0.02	3.15	-1.99

Free Cash Flow

Month	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	1.14	-27.87	-19.35

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 2022	Mar 2023	Mar 2024
Debtor Days	0.00	12.19	65.21
Inventory Days
Days Payable
Cash Conversion Cycle	0.00	12.19	65.21
Working Capital Days	103.06	-117.35	-169.37
ROCE %		33.17%	3.14%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Promoters	57.65%	46.12%	46.12%	46.12%	46.12%	46.12%	31.09%	31.09%	31.09%	31.09%	31.09%	31.09%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.29%	0.29%	0.29%	0.29%
Public	42.35%	53.88%	53.87%	53.88%	53.88%	53.88%	68.91%	68.92%	68.63%	68.62%	68.61%	68.61%
No. of Shareholders	2,001	1,829	3,379	5,255	5,686	5,421	5,161	4,671	4,276	4,086	4,042	5,355

Shareholding Pattern Chart

No. of Shareholders

This stock is not held by any mutual fund

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22
FaceValue	10.00	10.00	10.00
Basic EPS (Rs.)	1.48	15.40	0.19
Diluted EPS (Rs.)	1.48	15.40	0.19
Cash EPS (Rs.)	3.41	10.96	1.93
Book Value[Excl.RevalReserv]/Share (Rs.)	70.70	35.26	13.04
Book Value[Incl.RevalReserv]/Share (Rs.)	70.70	35.26	13.04
Revenue From Operations / Share (Rs.)	12.02	28.06	3.07
PBDIT / Share (Rs.)	4.55	17.64	2.67
PBIT / Share (Rs.)	3.56	16.77	2.67
PBT / Share (Rs.)	1.27	14.92	2.67
Net Profit / Share (Rs.)	2.42	10.09	1.93
NP After MI And SOA / Share (Rs.)	1.30	9.71	1.87
PBDIT Margin (%)	37.84	62.87	87.05
PBIT Margin (%)	29.64	59.76	87.05
PBT Margin (%)	10.53	53.17	86.94
Net Profit Margin (%)	20.16	35.96	63.03
NP After MI And SOA Margin (%)	10.79	34.60	61.10
Return on Networth / Equity (%)	1.83	27.53	14.37
Return on Capital Employeed (%)	4.66	39.61	19.43
Return On Assets (%)	1.24	8.88	13.13
Total Debt / Equity (X)	0.29	1.57	0.01
Asset Turnover Ratio (%)	0.13	0.46	0.00
Current Ratio (X)	3.16	1.37	26.09
Quick Ratio (X)	3.16	1.37	26.07
Dividend Payout Ratio (NP) (%)	0.00	2.77	0.00
Dividend Payout Ratio (CP) (%)	0.00	2.54	0.00
Earning Retention Ratio (%)	0.00	97.23	0.00
Cash Earning Retention Ratio (%)	0.00	97.46	0.00
Interest Coverage Ratio (X)	1.98	9.55	779.74
Interest Coverage Ratio (Post Tax) (X)	2.06	6.46	565.58
Enterprise Value (Cr.)	174.56	83.08	25.23
EV / Net Operating Revenue (X)	14.11	4.27	14.83
EV / EBITDA (X)	37.28	6.79	17.03
MarketCap / Net Operating Revenue (X)	12.49	2.46	14.76
Retention Ratios (%)	0.00	97.22	0.00
Price / BV (X)	2.12	1.96	3.47
Price / Net Operating Revenue (X)	12.49	2.46	14.76
EarningsYield	0.01	0.14	0.04

After reviewing the key financial ratios for Credent Global Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:

For FaceValue, as of Mar 24, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 10.00.
For Basic EPS (Rs.), as of Mar 24, the value is 1.48. This value is below the healthy minimum of 5. It has decreased from 15.40 (Mar 23) to 1.48, marking a decrease of 13.92.
For Diluted EPS (Rs.), as of Mar 24, the value is 1.48. This value is below the healthy minimum of 5. It has decreased from 15.40 (Mar 23) to 1.48, marking a decrease of 13.92.
For Cash EPS (Rs.), as of Mar 24, the value is 3.41. This value is within the healthy range. It has decreased from 10.96 (Mar 23) to 3.41, marking a decrease of 7.55.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 70.70. It has increased from 35.26 (Mar 23) to 70.70, marking an increase of 35.44.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 70.70. It has increased from 35.26 (Mar 23) to 70.70, marking an increase of 35.44.
For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 12.02. It has decreased from 28.06 (Mar 23) to 12.02, marking a decrease of 16.04.
For PBDIT / Share (Rs.), as of Mar 24, the value is 4.55. This value is within the healthy range. It has decreased from 17.64 (Mar 23) to 4.55, marking a decrease of 13.09.
For PBIT / Share (Rs.), as of Mar 24, the value is 3.56. This value is within the healthy range. It has decreased from 16.77 (Mar 23) to 3.56, marking a decrease of 13.21.
For PBT / Share (Rs.), as of Mar 24, the value is 1.27. This value is within the healthy range. It has decreased from 14.92 (Mar 23) to 1.27, marking a decrease of 13.65.
For Net Profit / Share (Rs.), as of Mar 24, the value is 2.42. This value is within the healthy range. It has decreased from 10.09 (Mar 23) to 2.42, marking a decrease of 7.67.
For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 1.30. This value is below the healthy minimum of 2. It has decreased from 9.71 (Mar 23) to 1.30, marking a decrease of 8.41.
For PBDIT Margin (%), as of Mar 24, the value is 37.84. This value is within the healthy range. It has decreased from 62.87 (Mar 23) to 37.84, marking a decrease of 25.03.
For PBIT Margin (%), as of Mar 24, the value is 29.64. This value exceeds the healthy maximum of 20. It has decreased from 59.76 (Mar 23) to 29.64, marking a decrease of 30.12.
For PBT Margin (%), as of Mar 24, the value is 10.53. This value is within the healthy range. It has decreased from 53.17 (Mar 23) to 10.53, marking a decrease of 42.64.
For Net Profit Margin (%), as of Mar 24, the value is 20.16. This value exceeds the healthy maximum of 10. It has decreased from 35.96 (Mar 23) to 20.16, marking a decrease of 15.80.
For NP After MI And SOA Margin (%), as of Mar 24, the value is 10.79. This value is within the healthy range. It has decreased from 34.60 (Mar 23) to 10.79, marking a decrease of 23.81.
For Return on Networth / Equity (%), as of Mar 24, the value is 1.83. This value is below the healthy minimum of 15. It has decreased from 27.53 (Mar 23) to 1.83, marking a decrease of 25.70.
For Return on Capital Employeed (%), as of Mar 24, the value is 4.66. This value is below the healthy minimum of 10. It has decreased from 39.61 (Mar 23) to 4.66, marking a decrease of 34.95.
For Return On Assets (%), as of Mar 24, the value is 1.24. This value is below the healthy minimum of 5. It has decreased from 8.88 (Mar 23) to 1.24, marking a decrease of 7.64.
For Total Debt / Equity (X), as of Mar 24, the value is 0.29. This value is within the healthy range. It has decreased from 1.57 (Mar 23) to 0.29, marking a decrease of 1.28.
For Asset Turnover Ratio (%), as of Mar 24, the value is 0.13. It has decreased from 0.46 (Mar 23) to 0.13, marking a decrease of 0.33.
For Current Ratio (X), as of Mar 24, the value is 3.16. This value exceeds the healthy maximum of 3. It has increased from 1.37 (Mar 23) to 3.16, marking an increase of 1.79.
For Quick Ratio (X), as of Mar 24, the value is 3.16. This value exceeds the healthy maximum of 2. It has increased from 1.37 (Mar 23) to 3.16, marking an increase of 1.79.
For Dividend Payout Ratio (NP) (%), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 2.77 (Mar 23) to 0.00, marking a decrease of 2.77.
For Dividend Payout Ratio (CP) (%), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 2.54 (Mar 23) to 0.00, marking a decrease of 2.54.
For Earning Retention Ratio (%), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 97.23 (Mar 23) to 0.00, marking a decrease of 97.23.
For Cash Earning Retention Ratio (%), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 97.46 (Mar 23) to 0.00, marking a decrease of 97.46.
For Interest Coverage Ratio (X), as of Mar 24, the value is 1.98. This value is below the healthy minimum of 3. It has decreased from 9.55 (Mar 23) to 1.98, marking a decrease of 7.57.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 2.06. This value is below the healthy minimum of 3. It has decreased from 6.46 (Mar 23) to 2.06, marking a decrease of 4.40.
For Enterprise Value (Cr.), as of Mar 24, the value is 174.56. It has increased from 83.08 (Mar 23) to 174.56, marking an increase of 91.48.
For EV / Net Operating Revenue (X), as of Mar 24, the value is 14.11. This value exceeds the healthy maximum of 3. It has increased from 4.27 (Mar 23) to 14.11, marking an increase of 9.84.
For EV / EBITDA (X), as of Mar 24, the value is 37.28. This value exceeds the healthy maximum of 15. It has increased from 6.79 (Mar 23) to 37.28, marking an increase of 30.49.
For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 12.49. This value exceeds the healthy maximum of 3. It has increased from 2.46 (Mar 23) to 12.49, marking an increase of 10.03.
For Retention Ratios (%), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 30. It has decreased from 97.22 (Mar 23) to 0.00, marking a decrease of 97.22.
For Price / BV (X), as of Mar 24, the value is 2.12. This value is within the healthy range. It has increased from 1.96 (Mar 23) to 2.12, marking an increase of 0.16.
For Price / Net Operating Revenue (X), as of Mar 24, the value is 12.49. This value exceeds the healthy maximum of 3. It has increased from 2.46 (Mar 23) to 12.49, marking an increase of 10.03.
For EarningsYield, as of Mar 24, the value is 0.01. This value is below the healthy minimum of 5. It has decreased from 0.14 (Mar 23) to 0.01, marking a decrease of 0.13.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Credent Global Finance Ltd as of April 4, 2025 is: 4.73

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 April 4, 2025, Credent Global Finance Ltd is Overvalued by 82.67% compared to the current share price 27.30

Default values used*: Default value of 15 for Stock P/E is used

Intrinsic Value of Credent Global Finance Ltd as of April 4, 2025 is: 3.68

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 April 4, 2025, Credent Global Finance Ltd is Overvalued by 86.52% compared to the current share price 27.30

Default values used*: Default value of 15 for Stock P/E is used

Last 5 Year EPS CAGR: -22.20%

*Investments are subject to market risks

Strength and Weakness

Strength	Weakness
The stock has a low average Working Capital Days of -61.22, which is a positive sign. The company has higher reserves (35.91 cr) compared to borrowings (20.68 cr), indicating strong financial stability. The company has shown consistent growth in sales (12.45 cr) and profit (0.81 cr) over the years.	The stock has a low average ROCE of 12.10%, which may not be favorable. The stock has a high average Cash Conversion Cycle of 25.80, 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 Credent Global Finance Ltd:
1. Net Profit Margin: 20.16%
  - 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: 4.66% (Industry Average ROCE: 19.43%)
  - 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%: 1.83% (Industry Average ROE: 10.58%)
  - 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): 2.06
  - 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: 3.16
  - 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: 0 (Industry average Stock P/E: 40.32)
  - 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: 0.29
  - 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

Credent Global Finance Ltd. is a Public Limited Listed company incorporated on 27/02/1991 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L65910MH1991PLC404531 and registration number is 043281. Currently Company is involved in the business activities of Other credit granting. Company's Total Operating Revenue is Rs. 6.96 Cr. and Equity Capital is Rs. 10.29 Cr. for the Year ended 31/03/2024.

INDUSTRY	ADDRESS	CONTACT
Non-Banking Financial Company (NBFC)	Unit No. 609, 6th Floor, C-Wing, One BKC, G-Block, Mumbai Maharashtra 400051	compliance@credentglobal.com https://www.credentglobal.com

Management
Name	Position Held
Mr. Aditya Vikram Kanoria	Managing Director
Mr. Mandeep Singh	Executive Director
Mr. Mohit K Chheda	Non Executive Director
Mr. Sulabh Jain	Independent Director
Ms. Shubhangi Agarwal	Independent Director

FAQ

What is the intrinsic value of Credent Global Finance Ltd?

Credent Global Finance Ltd's intrinsic value (as of 04 April 2025) is ₹4.73 — 82.67% lower the current market price of ₹27.30, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 140 Cr. market cap, FY2025-2026 high/low of ₹47.6/21.2, reserves of 61.98 Cr, and liabilities of 110.10 Cr.

What is the Market Cap of Credent Global Finance Ltd?

The Market Cap of Credent Global Finance Ltd is 140 Cr..

What is the current Stock Price of Credent Global Finance Ltd as on 04 April 2025?

The current stock price of Credent Global Finance Ltd as on 04 April 2025 is 27.3.

What is the High / Low of Credent Global Finance Ltd stocks in FY 2025-2026?

In FY 2025-2026, the High / Low of Credent Global Finance Ltd stocks is ₹47.6/21.2.

What is the Stock P/E of Credent Global Finance Ltd?

The Stock P/E of Credent Global Finance Ltd is .

What is the Book Value of Credent Global Finance Ltd?

The Book Value of Credent Global Finance Ltd is 14.0.

What is the Dividend Yield of Credent Global Finance Ltd?

The Dividend Yield of Credent Global Finance Ltd is 0.00 %.

What is the ROCE of Credent Global Finance Ltd?

The ROCE of Credent Global Finance Ltd is 3.14 %.

What is the ROE of Credent Global Finance Ltd?

The ROE of Credent Global Finance Ltd is 2.76 %.

What is the Face Value of Credent Global Finance Ltd?

The Face Value of Credent Global Finance Ltd is 2.00.