Credent Global Finance Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: September 18, 2025, 7:49 pm

Quick Insight

Credent Global Finance Ltd, operating in the Non-Banking Financial Company sector, currently demonstrates a price of 29.2 with a market capitalization of 150 Cr. Despite a high P/E ratio of 47.2, the company's ROE stands at 9.21%, while ROCE is at 4.04%. Operating profit margin is at 11.76%, with a concerning negative net profit of -6.74 Cr. The company's capital structure reveals a high reliance on borrowings at 22.09 Cr, leading to a weak interest coverage ratio of -1.06x. With a majority public shareholding of 68.63% and limited institutional investment, Credent Global Finance faces challenges in profitability and financial sustainability, warranting a closer examination of its operational efficiency and strategic direction.

Competitors of Credent Global Finance Ltd

All Competitor Stocks of Credent Global Finance Ltd

Quarterly Result

Last Updated: August 19, 2025, 8:35 pm

Below is a detailed analysis of the quarterly data for Credent Global Finance Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:

• For Sales, as of Jun 2025, the value is 2.55 Cr.. The value appears to be declining and may need further review. It has decreased from 3.02 Cr. (Mar 2025) to 2.55 Cr., marking a decrease of 0.47 Cr..
• For Expenses, as of Jun 2025, the value is 2.25 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1.95 Cr. (Mar 2025) to 2.25 Cr., marking an increase of 0.30 Cr..
• For Operating Profit, as of Jun 2025, the value is 0.30 Cr.. The value appears to be declining and may need further review. It has decreased from 1.07 Cr. (Mar 2025) to 0.30 Cr., marking a decrease of 0.77 Cr..
• For OPM %, as of Jun 2025, the value is 11.76%. The value appears to be declining and may need further review. It has decreased from 35.43% (Mar 2025) to 11.76%, marking a decrease of 23.67%.
• For Other Income, as of Jun 2025, the value is 0.70 Cr.. The value appears to be declining and may need further review. It has decreased from 3.11 Cr. (Mar 2025) to 0.70 Cr., marking a decrease of 2.41 Cr..
• For Interest, as of Jun 2025, the value is 0.49 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.65 Cr. (Mar 2025) to 0.49 Cr., marking a decrease of 0.16 Cr..
• For Depreciation, as of Jun 2025, the value is 0.29 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.31 Cr. (Mar 2025) to 0.29 Cr., marking a decrease of 0.02 Cr..
• For Profit before tax, as of Jun 2025, the value is 0.22 Cr.. The value appears to be declining and may need further review. It has decreased from 3.22 Cr. (Mar 2025) to 0.22 Cr., marking a decrease of 3.00 Cr..
• For Tax %, as of Jun 2025, the value is -31.82%. The value appears to be improving (decreasing) as expected. It has decreased from -2.80% (Mar 2025) to -31.82%, marking a decrease of 29.02%.
• For Net Profit, as of Jun 2025, the value is 0.29 Cr.. The value appears to be declining and may need further review. It has decreased from 3.31 Cr. (Mar 2025) to 0.29 Cr., marking a decrease of 3.02 Cr..
• For EPS in Rs, as of Jun 2025, the value is 0.06. The value appears to be declining and may need further review. It has decreased from 0.64 (Mar 2025) to 0.06, marking a decrease of 0.58.

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

Profit & Loss - Annual Report

Last Updated: August 22, 2025, 8:03 pm

Growth

Last Updated: September 5, 2025, 3:06 pm

Balance Sheet

Last Updated: September 10, 2025, 3:26 pm

Below is a detailed analysis of the balance sheet data for Credent Global Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:

• For Equity Capital, as of Mar 2025, 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 Mar 2025, the value is 64.45 Cr.. The value appears strong and on an upward trend. It has increased from 62.47 Cr. (Mar 2024) to 64.45 Cr., marking an increase of 1.98 Cr..
• For Borrowings, as of Mar 2025, the value is 22.09 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 22.09 Cr., marking a decrease of 0.39 Cr..
• For Other Liabilities, as of Mar 2025, the value is 14.96 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 12.55 Cr. (Mar 2024) to 14.96 Cr., marking an increase of 2.41 Cr..
• For Total Liabilities, as of Mar 2025, the value is 111.79 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 107.79 Cr. (Mar 2024) to 111.79 Cr., marking an increase of 4.00 Cr..
• For Fixed Assets, as of Mar 2025, the value is 16.91 Cr.. The value appears strong and on an upward trend. It has increased from 16.26 Cr. (Mar 2024) to 16.91 Cr., marking an increase of 0.65 Cr..
• For CWIP, as of Mar 2025, 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 Mar 2025, the value is 18.50 Cr.. The value appears to be declining and may need further review. It has decreased from 33.17 Cr. (Mar 2024) to 18.50 Cr., marking a decrease of 14.67 Cr..
• For Other Assets, as of Mar 2025, the value is 76.38 Cr.. The value appears strong and on an upward trend. It has increased from 58.36 Cr. (Mar 2024) to 76.38 Cr., marking an increase of 18.02 Cr..
• For Total Assets, as of Mar 2025, the value is 111.79 Cr.. The value appears strong and on an upward trend. It has increased from 107.79 Cr. (Mar 2024) to 111.79 Cr., marking an increase of 4.00 Cr..

Notably, the Reserves (64.45 Cr.) exceed the Borrowings (22.09 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

Free Cash Flow

Share Holding Pattern

Key Financial Ratios

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 25, the value is 2.00. This value is within the healthy range. It has decreased from 10.00 (Mar 24) to 2.00, marking a decrease of 8.00.
• For Basic EPS (Rs.), as of Mar 25, the value is -1.56. This value is below the healthy minimum of 5. It has decreased from 1.48 (Mar 24) to -1.56, marking a decrease of 3.04.
• For Diluted EPS (Rs.), as of Mar 25, the value is -1.56. This value is below the healthy minimum of 5. It has decreased from 1.48 (Mar 24) to -1.56, marking a decrease of 3.04.
• For Cash EPS (Rs.), as of Mar 25, the value is -1.03. This value is below the healthy minimum of 3. It has decreased from 3.41 (Mar 24) to -1.03, marking a decrease of 4.44.
• For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 14.52. It has decreased from 70.70 (Mar 24) to 14.52, marking a decrease of 56.18.
• For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 14.52. It has decreased from 70.70 (Mar 24) to 14.52, marking a decrease of 56.18.
• For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 2.85. It has decreased from 12.02 (Mar 24) to 2.85, marking a decrease of 9.17.
• For PBDIT / Share (Rs.), as of Mar 25, the value is -0.46. This value is below the healthy minimum of 2. It has decreased from 4.55 (Mar 24) to -0.46, marking a decrease of 5.01.
• For PBIT / Share (Rs.), as of Mar 25, the value is -0.74. This value is below the healthy minimum of 0. It has decreased from 3.56 (Mar 24) to -0.74, marking a decrease of 4.30.
• For PBT / Share (Rs.), as of Mar 25, the value is -1.19. This value is below the healthy minimum of 0. It has decreased from 1.27 (Mar 24) to -1.19, marking a decrease of 2.46.
• For Net Profit / Share (Rs.), as of Mar 25, the value is -1.31. This value is below the healthy minimum of 2. It has decreased from 2.42 (Mar 24) to -1.31, marking a decrease of 3.73.
• For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is -1.31. This value is below the healthy minimum of 2. It has decreased from 1.30 (Mar 24) to -1.31, marking a decrease of 2.61.
• For PBDIT Margin (%), as of Mar 25, the value is -16.31. This value is below the healthy minimum of 10. It has decreased from 37.84 (Mar 24) to -16.31, marking a decrease of 54.15.
• For PBIT Margin (%), as of Mar 25, the value is -26.23. This value is below the healthy minimum of 10. It has decreased from 29.64 (Mar 24) to -26.23, marking a decrease of 55.87.
• For PBT Margin (%), as of Mar 25, the value is -41.69. This value is below the healthy minimum of 10. It has decreased from 10.53 (Mar 24) to -41.69, marking a decrease of 52.22.
• For Net Profit Margin (%), as of Mar 25, the value is -45.98. This value is below the healthy minimum of 5. It has decreased from 20.16 (Mar 24) to -45.98, marking a decrease of 66.14.
• For NP After MI And SOA Margin (%), as of Mar 25, the value is -45.98. This value is below the healthy minimum of 8. It has decreased from 10.79 (Mar 24) to -45.98, marking a decrease of 56.77.
• For Return on Networth / Equity (%), as of Mar 25, the value is -9.01. This value is below the healthy minimum of 15. It has decreased from 1.83 (Mar 24) to -9.01, marking a decrease of 10.84.
• For Return on Capital Employeed (%), as of Mar 25, the value is -4.92. This value is below the healthy minimum of 10. It has decreased from 4.66 (Mar 24) to -4.92, marking a decrease of 9.58.
• For Return On Assets (%), as of Mar 25, the value is -6.02. This value is below the healthy minimum of 5. It has decreased from 1.24 (Mar 24) to -6.02, marking a decrease of 7.26.
• For Total Debt / Equity (X), as of Mar 25, the value is 0.26. This value is within the healthy range. It has decreased from 0.29 (Mar 24) to 0.26, marking a decrease of 0.03.
• For Asset Turnover Ratio (%), as of Mar 25, the value is 0.13. There is no change compared to the previous period (Mar 24) which recorded 0.13.
• For Current Ratio (X), as of Mar 25, the value is 2.78. This value is within the healthy range. It has decreased from 3.16 (Mar 24) to 2.78, marking a decrease of 0.38.
• For Quick Ratio (X), as of Mar 25, the value is 2.78. This value exceeds the healthy maximum of 2. It has decreased from 3.16 (Mar 24) to 2.78, marking a decrease of 0.38.
• For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. There is no change compared to the previous period (Mar 24) which recorded 0.00.
• For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. There is no change compared to the previous period (Mar 24) which recorded 0.00.
• For Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. There is no change compared to the previous period (Mar 24) which recorded 0.00.
• For Cash Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. There is no change compared to the previous period (Mar 24) which recorded 0.00.
• For Interest Coverage Ratio (X), as of Mar 25, the value is -1.06. This value is below the healthy minimum of 3. It has decreased from 1.98 (Mar 24) to -1.06, marking a decrease of 3.04.
• For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is -1.97. This value is below the healthy minimum of 3. It has decreased from 2.06 (Mar 24) to -1.97, marking a decrease of 4.03.
• For Enterprise Value (Cr.), as of Mar 25, the value is 164.21. It has decreased from 174.56 (Mar 24) to 164.21, marking a decrease of 10.35.
• For EV / Net Operating Revenue (X), as of Mar 25, the value is 11.21. This value exceeds the healthy maximum of 3. It has decreased from 14.11 (Mar 24) to 11.21, marking a decrease of 2.90.
• For EV / EBITDA (X), as of Mar 25, the value is -68.69. This value is below the healthy minimum of 5. It has decreased from 37.28 (Mar 24) to -68.69, marking a decrease of 105.97.
• For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 10.04. This value exceeds the healthy maximum of 3. It has decreased from 12.49 (Mar 24) to 10.04, marking a decrease of 2.45.
• For Retention Ratios (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 30. There is no change compared to the previous period (Mar 24) which recorded 0.00.
• For Price / BV (X), as of Mar 25, the value is 1.97. This value is within the healthy range. It has decreased from 2.12 (Mar 24) to 1.97, marking a decrease of 0.15.
• For Price / Net Operating Revenue (X), as of Mar 25, the value is 10.04. This value exceeds the healthy maximum of 3. It has decreased from 12.49 (Mar 24) to 10.04, marking a decrease of 2.45.
• For EarningsYield, as of Mar 25, the value is -0.04. This value is below the healthy minimum of 5. It has decreased from 0.01 (Mar 24) to -0.04, marking a decrease of 0.05.

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

Fair Value

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Strength and Weakness