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Last Updated: April 2, 2026, 4:25 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 539598 | NSE: CGFL

Credent Global Finance Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹7.85Overvalued by 73.21%vs CMP ₹29.30

P/E (6.4) × ROE (9.2%) × BV (₹16.40) × DY (2.00%)

₹31.81Fairly Valued by 8.57%vs CMP ₹29.30
MoS: +7.9% (Thin)Confidence: 48/100 (Moderate)Models: 3 Under, 5 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹14.5725%Over (-50.3%)
Graham NumberEarnings₹45.0915%Under (+53.9%)
Earnings PowerEarnings₹0.9012%Over (-96.9%)
DCFCash Flow₹111.8212%Under (+281.6%)
Net Asset ValueAssets₹13.678%Over (-53.3%)
EV/EBITDAEnterprise₹1.6310%Over (-94.4%)
Earnings YieldEarnings₹55.108%Under (+88.1%)
ROCE CapitalReturns₹22.1410%Over (-24.4%)
Consensus (8 models)₹31.81100%Fairly Valued
Key Drivers: EPS CAGR 85.6% lifts DCF — verify sustainability. | Wide model spread (₹1–₹112) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 85.6%

*Investments are subject to market risks

Investment Snapshot

52
Credent Global Finance Ltd scores 52/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health53/100 · Moderate
ROCE 4.0% WeakROE 9.2% AverageD/E 0.01 Low debtInterest Coverage 0.0x RiskyProfitable 3/5 years Mixed
Smart Money55/100 · Moderate
FII holding up 16.22% (6mo) AccumulatingPromoter decreased by 5.06% Caution
Earnings Quality50/100 · Moderate
Quarterly Momentum50/100 · Moderate
Industry Rank55/100 · Moderate
P/E 6.4 vs industry 101.6 Cheaper than peersROCE 4.0% vs industry 15.8% Below peers

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, 4:25 am

Market Cap 180 Cr.
Current Price 29.3
Intrinsic Value₹31.81
High / Low 35.1/20.7
Stock P/E6.37
Book Value 16.4
Dividend Yield0.00 %
ROCE4.04 %
ROE9.21 %
Face Value 2.00
PEG Ratio0.07

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

View Share Price Target for Credent Global Finance Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Credent Global Finance Ltd 180 Cr. 29.3 35.1/20.76.37 16.40.00 %4.04 %9.21 % 2.00
Abate As Industries Ltd 175 Cr. 11.1 26.2/9.6293.3 10.40.00 %0.65 %0.66 % 10.0
Dhruva Capital Services Ltd 186 Cr. 258 258/111 40.60.00 %12.5 %10.9 % 10.0
Emerald Finance Ltd 191 Cr. 55.2 112/45.514.2 26.30.27 %18.4 %13.8 % 10.0
Capital Trade Links Ltd 197 Cr. 15.3 32.2/14.327.7 5.790.00 %7.42 %3.63 % 1.00
Industry Average22,241.21 Cr369.74101.56513.160.26%15.81%8.84%8.50

All Competitor Stocks of Credent Global Finance Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue2163235533331226
Interest 0111101011010
Expenses 16123314222224
Financing Profit181-1-01-10110-01022
Financing Margin %64%53%23%-43%-2%20%-208%28%15%14%-7%82%83%
Other Income 00000000-03102
Depreciation 0100000000000
Profit before tax 181-1-01-1010301024
Tax % 30%35%27%8%70%-176%-7%133%193%-3%-32%26%25%
Net Profit 150-1-02-10-0-030718
EPS in Rs 0.140.990.07-0.22-0.070.47-1.87-0.06-0.020.640.061.393.42
Gross NPA %
Net NPA %

Last Updated: March 3, 2026, 11:10 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 27, 2026, 3:00 am

MetricMar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue219131744
Interest 02222
Expenses 0792110
Financing Profit1111-632
Financing Margin %75%54%9%-32%73%
Other Income 00016
Depreciation 01111
Profit before tax 1100-637
Tax % 28%33%-857%10%
Net Profit 171-728
EPS in Rs 0.251.290.26-1.315.51
Dividend Payout % 0%5%0%0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2022-20232023-20242024-2025
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: March 3, 2026, 12:48 am

MonthMar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 67101010
Reserves 218626474
Borrowing040222220
Other Liabilities 111131521
Total Liabilities 876108112125
Fixed Assets 012161717
CWIP 00000
Investments 028331827
Other Assets 836587681
Total Assets 876108112125

Reserves and Borrowings Chart

Cash Flow

MonthMar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -6-24-18-11
Cash from Investing Activity + 0-17-1315
Cash from Financing Activity + 64429-3
Net Cash Flow 03-21
Free Cash Flow -6-25-24-11
CFO/OP -458%-189%-501%270%

Free Cash Flow

MonthMar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow0.00-33.00-13.00-1.00

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 2022Mar 2023Mar 2024Mar 2025
Debtor Days 0.0012.1963.1746.42
Inventory Days
Days Payable
Cash Conversion Cycle 0.0012.1963.1746.42
Working Capital Days 103.06-117.35-188.9387.98
ROCE %33.17%3.14%-4.04%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Feb 2026
Promoters 46.12%31.09%31.09%31.09%31.09%31.09%31.09%31.09%31.09%31.09%31.09%26.03%
FIIs 0.00%0.00%0.00%0.29%0.29%0.29%0.29%0.29%0.29%0.29%0.29%16.51%
Public 53.88%68.91%68.92%68.63%68.62%68.61%68.61%68.63%68.63%68.63%68.62%57.45%
No. of Shareholders 5,4215,1614,6714,2764,0864,0425,3555,0654,9524,7334,4874,376

Shareholding Pattern Chart

No. of Shareholders

Credent Global Finance 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 22
FaceValue 2.0010.0010.0010.00
Basic EPS (Rs.) -1.561.4815.400.19
Diluted EPS (Rs.) -1.561.4815.400.19
Cash EPS (Rs.) -1.033.4110.961.93
Book Value[Excl.RevalReserv]/Share (Rs.) 14.5270.7035.2613.04
Book Value[Incl.RevalReserv]/Share (Rs.) 14.5270.7035.2613.04
Revenue From Operations / Share (Rs.) 2.8512.0228.063.07
PBDIT / Share (Rs.) -0.464.5517.642.67
PBIT / Share (Rs.) -0.743.5616.772.67
PBT / Share (Rs.) -1.191.2714.922.67
Net Profit / Share (Rs.) -1.312.4210.091.93
NP After MI And SOA / Share (Rs.) -1.311.309.711.87
PBDIT Margin (%) -16.3137.8462.8787.05
PBIT Margin (%) -26.2329.6459.7687.05
PBT Margin (%) -41.6910.5353.1786.94
Net Profit Margin (%) -45.9820.1635.9663.03
NP After MI And SOA Margin (%) -45.9810.7934.6061.10
Return on Networth / Equity (%) -9.011.8327.5314.37
Return on Capital Employeed (%) -4.924.6639.6119.43
Return On Assets (%) -6.021.248.8813.13
Total Debt / Equity (X) 0.260.291.570.01
Asset Turnover Ratio (%) 0.130.130.460.00
Current Ratio (X) 2.783.161.3726.09
Quick Ratio (X) 2.783.161.3726.07
Dividend Payout Ratio (NP) (%) 0.000.002.770.00
Dividend Payout Ratio (CP) (%) 0.000.002.540.00
Earning Retention Ratio (%) 0.000.0097.230.00
Cash Earning Retention Ratio (%) 0.000.0097.460.00
Interest Coverage Ratio (X) -1.061.989.55779.74
Interest Coverage Ratio (Post Tax) (X) -1.972.066.46565.58
Enterprise Value (Cr.) 164.21174.5683.0825.23
EV / Net Operating Revenue (X) 11.2114.114.2714.83
EV / EBITDA (X) -68.6937.286.7917.03
MarketCap / Net Operating Revenue (X) 10.0412.492.4614.76
Retention Ratios (%) 0.000.0097.220.00
Price / BV (X) 1.972.121.963.47
Price / Net Operating Revenue (X) 10.0412.492.4614.76
EarningsYield -0.040.010.140.04

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

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. 9.81 Cr. and Equity Capital is Rs. 10.29 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)Unit No. 1216, 12th Floor, C-Wing, One BKC, G-Block, Opposite Bank of Baroda, Mumbai Maharashtra 400051Contact not found
Management
NamePosition Held
Mr. Aditya Vikram KanoriaManaging Director
Mr. Mandeep SinghExecutive Director
Mr. Vikas KatariaExecutive Director
Mr. Mohit K ChhedaNon Executive Director
Ms. Shubhangi AgarwalIndependent Director
Mr. Sulabh JainIndependent Director
Mr. Navneet KumarIndependent Director

FAQ

What is the intrinsic value of Credent Global Finance Ltd and is it undervalued?

As of 14 April 2026, Credent Global Finance Ltd's intrinsic value is ₹31.81, which is 8.57% higher than the current market price of ₹29.30, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (9.21 %), book value (₹16.4), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Credent Global Finance Ltd?

Credent Global Finance Ltd is trading at ₹29.30 as of 14 April 2026, with a FY2026-2027 high of ₹35.1 and low of ₹20.7. The stock is currently in the middle of its 52-week range. Market cap stands at ₹180 Cr..

How does Credent Global Finance Ltd's P/E ratio compare to its industry?

Credent Global Finance Ltd has a P/E ratio of 6.37, 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 Credent Global Finance Ltd financially healthy?

Key indicators for Credent Global Finance Ltd: ROCE of 4.04 % is on the lower side compared to the industry average of 15.81%. Dividend yield is 0.00 %.

Is Credent Global Finance Ltd profitable and how is the profit trend?

Credent Global Finance Ltd reported a net profit of ₹-7 Cr in Mar 2025 on revenue of ₹17 Cr. Compared to ₹1 Cr in Mar 2022, the net profit shows a declining trend.

Does Credent Global Finance Ltd pay dividends?

Credent Global Finance Ltd has a dividend yield of 0.00 % at the current price of ₹29.30. The company is currently not paying meaningful dividends.

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 Credent Global Finance 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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