Share Price and Basic Stock Data
Last Updated: January 1, 2026, 7:50 pm
| PEG Ratio | 0.28 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Credent Global Finance Ltd operates in the Non-Banking Financial Company (NBFC) sector, with its stock currently priced at ₹30.2 and a market capitalization of ₹156 Cr. The company has experienced significant fluctuations in its revenue streams over recent quarters. Sales recorded in March 2023 peaked at ₹15.64 Cr, but subsequently declined to ₹2.67 Cr in June 2023. Following this, sales rebounded to ₹4.61 Cr in March 2024 before witnessing a notable drop to ₹4.88 Cr in June 2024. The trailing twelve months (TTM) sales stood at ₹21 Cr, indicating a recovery trend after a period of volatility. The operating profit margin (OPM) reported an impressive 86.96% in September 2025, but the company faced challenges with operating profits turning negative in several quarters, including a sharp decline to -196.93% in June 2024. This volatility highlights the company’s reliance on consistent revenue generation and operational efficiency, which will be crucial for future growth.
Profitability and Efficiency Metrics
The profitability metrics for Credent Global Finance Ltd present a mixed picture. The company reported a net profit of ₹11 Cr, with a return on equity (ROE) of 9.21%, reflecting a modest return relative to industry standards. However, the return on capital employed (ROCE) was significantly lower at 4.04%, indicating inefficiencies in utilizing capital for generating profits. The interest coverage ratio (ICR) stood at -1.06x, suggesting that the company is currently unable to meet its interest obligations from its earnings, which poses a risk to financial stability. The cash conversion cycle (CCC) of 46.42 days indicates a relatively efficient working capital management process, although the operating profit fluctuated drastically, highlighting operational challenges. The overall profitability landscape necessitates a strategic focus on cost management and revenue enhancement initiatives to improve the bottom line and investor confidence.
Balance Sheet Strength and Financial Ratios
Credent Global Finance’s balance sheet reflects a mixed strength profile. The company’s total assets rose to ₹125 Cr as of September 2025, with total liabilities also increasing to ₹112 Cr. Notably, the company reported reserves of ₹74 Cr, which provides a cushion against potential financial distress. However, the borrowing figure stood at ₹20 Cr, indicating a relatively low leverage ratio of 0.26x, which is prudent compared to typical industry thresholds. The price-to-book value (P/BV) ratio is reported at 1.97x, suggesting that the market values the company close to its book value, indicating a cautious investor sentiment. The current ratio of 2.78x demonstrates a strong liquidity position, which is essential for meeting short-term obligations. However, the negative interest coverage ratio raises concerns about the ability to service debt, emphasizing the need for improved profitability to enhance overall financial health.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Credent Global Finance Ltd indicates a significant shift in ownership dynamics. Promoters held a majority stake of 46.12% until September 2023, but this has since reduced to 31.09%. This decline may signal waning confidence among promoters, which could raise concerns for potential investors. Foreign institutional investors (FIIs) hold a minimal stake of 0.29%, reflecting limited external interest in the company. The public’s shareholding has increased from 53.88% in December 2022 to 68.63% as of March 2025, suggesting a growing retail investor base. The number of shareholders decreased to 4,733, reflecting consolidation in ownership. This shift may influence the company’s governance and strategic direction. The overall investor confidence appears cautious, given the fluctuations in profitability and the reduction in promoter stakes, which may necessitate improved communication and transparency from the company to regain trust.
Outlook, Risks, and Final Insight
Looking ahead, Credent Global Finance Ltd faces both opportunities and challenges. The recovery in sales and the impressive operating profit margin recorded in September 2025 could signal a turning point if the company can maintain consistency in its operations. However, the risks associated with a negative interest coverage ratio and declining promoter confidence could hinder growth prospects. The company must focus on enhancing its profitability metrics through operational efficiencies and cost management strategies. Additionally, addressing liquidity and capital management will be crucial to navigate potential financial challenges. Should the company successfully implement strategic initiatives, it may attract renewed investor interest and stabilize its financial performance. Conversely, failure to address these challenges could lead to a further decline in market confidence and financial stability.
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 | 14.0 Cr. | 1.40 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 7.53 Cr. | 0.75 | 8.60/0.71 | 22.2 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 452 Cr. | 62.0 | 125/55.4 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.4 Cr. | 16.8 | 33.0/15.0 | 11.5 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 34.0 Cr. | 75.6 | 154/70.0 | 18.2 | 238 | 1.32 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,865.66 Cr | 444.76 | 51.68 | 522.43 | 0.22% | 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 | 1.09 | 1.74 | 15.64 | 2.67 | 1.94 | 3.14 | 4.61 | 4.88 | 3.28 | 3.48 | 3.02 | 2.55 | 12.12 |
| Expenses | 0.51 | 0.62 | 6.02 | 1.39 | 2.24 | 2.51 | 3.21 | 14.49 | 1.87 | 2.36 | 1.95 | 2.25 | 1.58 |
| Operating Profit | 0.58 | 1.12 | 9.62 | 1.28 | -0.30 | 0.63 | 1.40 | -9.61 | 1.41 | 1.12 | 1.07 | 0.30 | 10.54 |
| OPM % | 53.21% | 64.37% | 61.51% | 47.94% | -15.46% | 20.06% | 30.37% | -196.93% | 42.99% | 32.18% | 35.43% | 11.76% | 86.96% |
| Other Income | 0.15 | 0.00 | 0.10 | 0.13 | 0.04 | 0.10 | 0.24 | 0.15 | 0.40 | -0.05 | 3.11 | 0.70 | 0.03 |
| Interest | 0.01 | 0.00 | 1.27 | 0.66 | 0.54 | 0.68 | 0.48 | 0.53 | 0.49 | 0.59 | 0.65 | 0.49 | 0.59 |
| Depreciation | 0.00 | 0.07 | 0.54 | 0.24 | 0.24 | 0.25 | 0.28 | 0.40 | 0.40 | 0.34 | 0.31 | 0.29 | 0.29 |
| Profit before tax | 0.72 | 1.05 | 7.91 | 0.51 | -1.04 | -0.20 | 0.88 | -10.39 | 0.92 | 0.14 | 3.22 | 0.22 | 9.69 |
| Tax % | 19.44% | 29.52% | 34.51% | 27.45% | 7.69% | 70.00% | -176.14% | -7.41% | 132.61% | 192.86% | -2.80% | -31.82% | 26.42% |
| Net Profit | 0.58 | 0.75 | 5.18 | 0.37 | -1.12 | -0.34 | 2.43 | -9.62 | -0.30 | -0.12 | 3.31 | 0.29 | 7.13 |
| EPS in Rs | 0.11 | 0.14 | 0.99 | 0.07 | -0.22 | -0.07 | 0.47 | -1.87 | -0.06 | -0.02 | 0.64 | 0.06 | 1.39 |
Last Updated: December 27, 2025, 10:04 am
Below is a detailed analysis of the quarterly data for Credent Global Finance 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 12.12 Cr.. The value appears strong and on an upward trend. It has increased from 2.55 Cr. (Jun 2025) to 12.12 Cr., marking an increase of 9.57 Cr..
- For Expenses, as of Sep 2025, the value is 1.58 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 2.25 Cr. (Jun 2025) to 1.58 Cr., marking a decrease of 0.67 Cr..
- For Operating Profit, as of Sep 2025, the value is 10.54 Cr.. The value appears strong and on an upward trend. It has increased from 0.30 Cr. (Jun 2025) to 10.54 Cr., marking an increase of 10.24 Cr..
- For OPM %, as of Sep 2025, the value is 86.96%. The value appears strong and on an upward trend. It has increased from 11.76% (Jun 2025) to 86.96%, marking an increase of 75.20%.
- For Other Income, as of Sep 2025, the value is 0.03 Cr.. The value appears to be declining and may need further review. It has decreased from 0.70 Cr. (Jun 2025) to 0.03 Cr., marking a decrease of 0.67 Cr..
- For Interest, as of Sep 2025, the value is 0.59 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.49 Cr. (Jun 2025) to 0.59 Cr., marking an increase of 0.10 Cr..
- For Depreciation, as of Sep 2025, the value is 0.29 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.29 Cr..
- For Profit before tax, as of Sep 2025, the value is 9.69 Cr.. The value appears strong and on an upward trend. It has increased from 0.22 Cr. (Jun 2025) to 9.69 Cr., marking an increase of 9.47 Cr..
- For Tax %, as of Sep 2025, the value is 26.42%. The value appears to be increasing, which may not be favorable. It has increased from -31.82% (Jun 2025) to 26.42%, marking an increase of 58.24%.
- For Net Profit, as of Sep 2025, the value is 7.13 Cr.. The value appears strong and on an upward trend. It has increased from 0.29 Cr. (Jun 2025) to 7.13 Cr., marking an increase of 6.84 Cr..
- For EPS in Rs, as of Sep 2025, the value is 1.39. The value appears strong and on an upward trend. It has increased from 0.06 (Jun 2025) to 1.39, marking an increase of 1.33.
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, 3:54 am
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|
| Sales | 2 | 19 | 13 | 17 | 21 |
| Expenses | 0 | 7 | 9 | 21 | 8 |
| Operating Profit | 1 | 12 | 4 | -3 | 13 |
| OPM % | 75% | 64% | 28% | -19% | 62% |
| Other Income | 0 | 0 | 0 | 1 | 4 |
| Interest | 0 | 2 | 2 | 2 | 2 |
| Depreciation | 0 | 1 | 1 | 1 | 1 |
| Profit before tax | 1 | 10 | 0 | -6 | 13 |
| Tax % | 28% | 33% | -857% | 10% | |
| Net Profit | 1 | 7 | 1 | -7 | 11 |
| EPS in Rs | 0.25 | 1.29 | 0.26 | -1.31 | 2.07 |
| Dividend Payout % | 0% | 5% | 0% | 0% |
YoY Net Profit Growth
| Year | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|
| YoY Net Profit Growth (%) | 600.00% | -85.71% | -800.00% |
| Change in YoY Net Profit Growth (%) | 0.00% | -685.71% | -714.29% |
Credent Global Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 3 years from 2022-2023 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 105% |
| TTM: | -15% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | 137% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 78% |
| 3 Years: | 5% |
| 1 Year: | 1% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 1% |
| Last Year: | -9% |
Last Updated: September 5, 2025, 3:06 pm
Balance Sheet
Last Updated: December 4, 2025, 2:41 am
| Month | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|
| Equity Capital | 6 | 7 | 10 | 10 | 10 |
| Reserves | 2 | 18 | 62 | 64 | 74 |
| Borrowings | 0 | 40 | 22 | 22 | 20 |
| Other Liabilities | 1 | 11 | 13 | 15 | 21 |
| Total Liabilities | 8 | 76 | 108 | 112 | 125 |
| Fixed Assets | 0 | 12 | 16 | 17 | 17 |
| CWIP | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 28 | 33 | 18 | 27 |
| Other Assets | 8 | 36 | 58 | 76 | 81 |
| Total Assets | 8 | 76 | 108 | 112 | 125 |
Below is a detailed analysis of the balance sheet data for Credent Global Finance 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 10.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 10.00 Cr..
- For Reserves, as of Sep 2025, the value is 74.00 Cr.. The value appears strong and on an upward trend. It has increased from 64.00 Cr. (Mar 2025) to 74.00 Cr., marking an increase of 10.00 Cr..
- For Borrowings, as of Sep 2025, the value is 20.00 Cr.. The value appears to be improving (decreasing). Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has decreased from 22.00 Cr. (Mar 2025) to 20.00 Cr., marking a decrease of 2.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 21.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 15.00 Cr. (Mar 2025) to 21.00 Cr., marking an increase of 6.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 125.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 112.00 Cr. (Mar 2025) to 125.00 Cr., marking an increase of 13.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 17.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 17.00 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 27.00 Cr.. The value appears strong and on an upward trend. It has increased from 18.00 Cr. (Mar 2025) to 27.00 Cr., marking an increase of 9.00 Cr..
- For Other Assets, as of Sep 2025, the value is 81.00 Cr.. The value appears strong and on an upward trend. It has increased from 76.00 Cr. (Mar 2025) to 81.00 Cr., marking an increase of 5.00 Cr..
- For Total Assets, as of Sep 2025, the value is 125.00 Cr.. The value appears strong and on an upward trend. It has increased from 112.00 Cr. (Mar 2025) to 125.00 Cr., marking an increase of 13.00 Cr..
Notably, the Reserves (74.00 Cr.) exceed the Borrowings (20.00 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 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Free Cash Flow | 1.00 | -28.00 | -18.00 | -25.00 |
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.
Financial Efficiency Indicators
| Month | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Debtor Days | 0.00 | 12.19 | 63.17 | 46.42 |
| Inventory Days | ||||
| Days Payable | ||||
| Cash Conversion Cycle | 0.00 | 12.19 | 63.17 | 46.42 |
| Working Capital Days | 103.06 | -117.35 | -188.93 | 87.98 |
| ROCE % | 33.17% | 3.14% | -4.04% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 |
|---|---|---|---|---|
| FaceValue | 2.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | -1.56 | 1.48 | 15.40 | 0.19 |
| Diluted EPS (Rs.) | -1.56 | 1.48 | 15.40 | 0.19 |
| Cash EPS (Rs.) | -1.03 | 3.41 | 10.96 | 1.93 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 14.52 | 70.70 | 35.26 | 13.04 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 14.52 | 70.70 | 35.26 | 13.04 |
| Revenue From Operations / Share (Rs.) | 2.85 | 12.02 | 28.06 | 3.07 |
| PBDIT / Share (Rs.) | -0.46 | 4.55 | 17.64 | 2.67 |
| PBIT / Share (Rs.) | -0.74 | 3.56 | 16.77 | 2.67 |
| PBT / Share (Rs.) | -1.19 | 1.27 | 14.92 | 2.67 |
| Net Profit / Share (Rs.) | -1.31 | 2.42 | 10.09 | 1.93 |
| NP After MI And SOA / Share (Rs.) | -1.31 | 1.30 | 9.71 | 1.87 |
| PBDIT Margin (%) | -16.31 | 37.84 | 62.87 | 87.05 |
| PBIT Margin (%) | -26.23 | 29.64 | 59.76 | 87.05 |
| PBT Margin (%) | -41.69 | 10.53 | 53.17 | 86.94 |
| Net Profit Margin (%) | -45.98 | 20.16 | 35.96 | 63.03 |
| NP After MI And SOA Margin (%) | -45.98 | 10.79 | 34.60 | 61.10 |
| Return on Networth / Equity (%) | -9.01 | 1.83 | 27.53 | 14.37 |
| Return on Capital Employeed (%) | -4.92 | 4.66 | 39.61 | 19.43 |
| Return On Assets (%) | -6.02 | 1.24 | 8.88 | 13.13 |
| Total Debt / Equity (X) | 0.26 | 0.29 | 1.57 | 0.01 |
| Asset Turnover Ratio (%) | 0.13 | 0.13 | 0.46 | 0.00 |
| Current Ratio (X) | 2.78 | 3.16 | 1.37 | 26.09 |
| Quick Ratio (X) | 2.78 | 3.16 | 1.37 | 26.07 |
| Dividend Payout Ratio (NP) (%) | 0.00 | 0.00 | 2.77 | 0.00 |
| Dividend Payout Ratio (CP) (%) | 0.00 | 0.00 | 2.54 | 0.00 |
| Earning Retention Ratio (%) | 0.00 | 0.00 | 97.23 | 0.00 |
| Cash Earning Retention Ratio (%) | 0.00 | 0.00 | 97.46 | 0.00 |
| Interest Coverage Ratio (X) | -1.06 | 1.98 | 9.55 | 779.74 |
| Interest Coverage Ratio (Post Tax) (X) | -1.97 | 2.06 | 6.46 | 565.58 |
| Enterprise Value (Cr.) | 164.21 | 174.56 | 83.08 | 25.23 |
| EV / Net Operating Revenue (X) | 11.21 | 14.11 | 4.27 | 14.83 |
| EV / EBITDA (X) | -68.69 | 37.28 | 6.79 | 17.03 |
| MarketCap / Net Operating Revenue (X) | 10.04 | 12.49 | 2.46 | 14.76 |
| Retention Ratios (%) | 0.00 | 0.00 | 97.22 | 0.00 |
| Price / BV (X) | 1.97 | 2.12 | 1.96 | 3.47 |
| Price / Net Operating Revenue (X) | 10.04 | 12.49 | 2.46 | 14.76 |
| EarningsYield | -0.04 | 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 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.
Strength and Weakness
| Strength | Weakness |
|---|---|
|
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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:
- Net Profit Margin: -45.98%
- 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: -4.92% (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%: -9.01% (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): -1.97
- 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: 2.78
- 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: 14.8 (Industry average Stock P/E: 51.68)
- 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: 0.26
- 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: -45.98%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | Unit No. 1216, 12th Floor, C-Wing, One BKC, G-Block, Opposite Bank of Baroda, Mumbai Maharashtra 400051 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Aditya Vikram Kanoria | Managing Director |
| Mr. Mandeep Singh | Executive Director |
| Mr. Vikas Kataria | Executive Director |
| Mr. Mohit K Chheda | Non Executive Director |
| Ms. Shubhangi Agarwal | Independent Director |
| Mr. Sulabh Jain | Independent Director |
| Mr. Navneet Kumar | Independent Director |
FAQ
What is the intrinsic value of Credent Global Finance Ltd?
Credent Global Finance Ltd's intrinsic value (as of 01 January 2026) is ₹18.24 which is 40.39% lower the current market price of ₹30.60, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹158 Cr. market cap, FY2025-2026 high/low of ₹37.9/20.7, reserves of ₹74 Cr, and liabilities of ₹125 Cr.
What is the Market Cap of Credent Global Finance Ltd?
The Market Cap of Credent Global Finance Ltd is 158 Cr..
What is the current Stock Price of Credent Global Finance Ltd as on 01 January 2026?
The current stock price of Credent Global Finance Ltd as on 01 January 2026 is ₹30.6.
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 ₹37.9/20.7.
What is the Stock P/E of Credent Global Finance Ltd?
The Stock P/E of Credent Global Finance Ltd is 14.8.
What is the Book Value of Credent Global Finance Ltd?
The Book Value of Credent Global Finance Ltd is 16.4.
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 4.04 %.
What is the ROE of Credent Global Finance Ltd?
The ROE of Credent Global Finance Ltd is 9.21 %.
What is the Face Value of Credent Global Finance Ltd?
The Face Value of Credent Global Finance Ltd is 2.00.