Share Price and Basic Stock Data
Last Updated: January 30, 2026, 10:06 pm
| PEG Ratio | -3.18 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Cubical Financial Services Ltd operates in the Non-Banking Financial Company (NBFC) sector, primarily engaged in providing financial services. The company reported a share price of ₹2.04 and a market capitalization of ₹13.3 Cr. Over the last several quarters, Cubical’s revenue has exhibited volatility, with sales figures standing at ₹1.16 Cr for FY 2023 and rising to ₹2.73 Cr for FY 2024. Notably, the latest quarterly data for September 2023 indicated a significant uptick in sales to ₹1.66 Cr, a marked recovery from the previous quarter’s ₹0.22 Cr. However, this was followed by a drop to ₹0.37 Cr in December 2023, reflecting the erratic nature of its revenue stream. The trailing twelve months (TTM) revenue is reported at ₹1.41 Cr, indicating a need for more consistent revenue generation to stabilize growth.
Profitability and Efficiency Metrics
The profitability metrics for Cubical Financial Services Ltd reveal a mixed performance. The operating profit margin (OPM) for FY 2025 stood at 16.28%, a significant improvement compared to the previous fiscal year, where it was recorded at 28.10%. The company registered a net profit of ₹0.38 Cr for FY 2025, with a net profit margin of 15.51%, down from 42.37% in FY 2024. This decline raises concerns regarding cost management amidst fluctuating revenues. Additionally, the interest coverage ratio (ICR) is exceptionally high at 22,623.80x, indicating robust capacity to meet interest obligations. However, the return on equity (ROE) is a modest 2.55%, suggesting limited shareholder returns relative to their investment. Overall, while the ICR reflects financial stability, the declining profit margins indicate potential inefficiencies that need addressing.
Balance Sheet Strength and Financial Ratios
Cubical Financial Services Ltd’s balance sheet appears stable, with no borrowings reported, standing at ₹0.00 Cr, indicating a debt-free structure. Reserves have gradually increased from ₹0.54 Cr in FY 2023 to ₹2.06 Cr in FY 2025, demonstrating an improvement in retained earnings and overall financial health. The price-to-book value (P/BV) ratio is recorded at 0.89x, suggesting that the stock is trading below its book value, which could imply undervaluation compared to the sector norms. The current ratio is reported at an impressive 357.52, indicating strong liquidity and the ability to cover short-term liabilities. However, the low return on capital employed (ROCE) of 4.56% raises questions about the efficiency of asset utilization in generating profits, which may hinder growth prospects if not addressed effectively.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Cubical Financial Services Ltd indicates a stable ownership structure, with promoters holding 30.80% of the shares, while the public owns 69.19%. The number of shareholders has increased from 11,994 in December 2022 to 17,717 by September 2025, reflecting growing investor interest and confidence in the company. However, the absence of foreign institutional investors (FIIs) and domestic institutional investors (DIIs) may suggest limited institutional backing, which could impact stock liquidity and market perception. The consistency in promoter shareholding over time indicates a commitment to the business, but the high public stake could lead to volatility in share price movements. Overall, while the increasing number of shareholders is positive, the lack of institutional interest raises potential concerns about sustained investor confidence.
Outlook, Risks, and Final Insight
The outlook for Cubical Financial Services Ltd hinges on its ability to stabilize and grow revenue consistently while managing costs effectively. The company faces risks such as fluctuating sales, as evidenced by the erratic quarterly performance, and declining profit margins that could hinder future profitability. Additionally, the low ROE and ROCE suggest challenges in generating adequate returns for shareholders, which could deter investment. However, the strong liquidity position and absence of debt provide a solid foundation for future growth initiatives. To capitalize on growth opportunities, the company must enhance operational efficiency and broaden its revenue base. In conclusion, while Cubical Financial Services Ltd has strengths in its balance sheet and shareholder structure, it must navigate significant risks to ensure sustainable growth and shareholder satisfaction.
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 | 15.3 Cr. | 1.53 | 1.72/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 6.93 Cr. | 0.69 | 5.82/0.62 | 20.4 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 331 Cr. | 50.0 | 125/44.0 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 13.8 Cr. | 15.1 | 25.5/15.0 | 11.4 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 27.1 Cr. | 60.2 | 146/59.7 | 14.6 | 238 | 1.66 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 27,610.00 Cr | 387.23 | 49.71 | 514.98 | 0.24% | 15.81% | 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 | 0.15 | 0.30 | 0.35 | 0.22 | 1.66 | 0.37 | 0.48 | 0.25 | 1.46 | 0.37 | 0.34 | 0.27 | 0.43 |
| Expenses | 0.05 | 0.27 | 0.59 | -0.29 | 1.68 | 0.28 | -0.22 | 0.18 | 1.12 | 0.22 | 0.21 | 0.18 | 0.36 |
| Operating Profit | 0.10 | 0.03 | -0.24 | 0.51 | -0.02 | 0.09 | 0.70 | 0.07 | 0.34 | 0.15 | 0.13 | 0.09 | 0.07 |
| OPM % | 66.67% | 10.00% | -68.57% | 231.82% | -1.20% | 24.32% | 145.83% | 28.00% | 23.29% | 40.54% | 38.24% | 33.33% | 16.28% |
| Other Income | 0.01 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 |
| Interest | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 |
| Depreciation | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 |
| Profit before tax | 0.11 | 0.03 | -0.24 | 0.51 | -0.02 | 0.09 | 0.70 | 0.07 | 0.34 | 0.15 | 0.13 | 0.09 | 0.07 |
| Tax % | 9.09% | 100.00% | 12.50% | 3.92% | 400.00% | -44.44% | 8.57% | 14.29% | 20.59% | 20.00% | 146.15% | 22.22% | 42.86% |
| Net Profit | 0.09 | 0.01 | -0.27 | 0.48 | -0.10 | 0.13 | 0.65 | 0.05 | 0.26 | 0.12 | -0.06 | 0.07 | 0.03 |
| EPS in Rs | 0.01 | 0.00 | -0.04 | 0.07 | -0.02 | 0.02 | 0.10 | 0.01 | 0.04 | 0.02 | -0.01 | 0.01 | 0.00 |
Last Updated: January 9, 2026, 3:17 am
Below is a detailed analysis of the quarterly data for Cubical Financial Services 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 0.43 Cr.. The value appears strong and on an upward trend. It has increased from 0.27 Cr. (Jun 2025) to 0.43 Cr., marking an increase of 0.16 Cr..
- For Expenses, as of Sep 2025, the value is 0.36 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.18 Cr. (Jun 2025) to 0.36 Cr., marking an increase of 0.18 Cr..
- For Operating Profit, as of Sep 2025, the value is 0.07 Cr.. The value appears to be declining and may need further review. It has decreased from 0.09 Cr. (Jun 2025) to 0.07 Cr., marking a decrease of 0.02 Cr..
- For OPM %, as of Sep 2025, the value is 16.28%. The value appears to be declining and may need further review. It has decreased from 33.33% (Jun 2025) to 16.28%, marking a decrease of 17.05%.
- For Other Income, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Interest, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 0.07 Cr.. The value appears to be declining and may need further review. It has decreased from 0.09 Cr. (Jun 2025) to 0.07 Cr., marking a decrease of 0.02 Cr..
- For Tax %, as of Sep 2025, the value is 42.86%. The value appears to be increasing, which may not be favorable. It has increased from 22.22% (Jun 2025) to 42.86%, marking an increase of 20.64%.
- For Net Profit, 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 0.07 Cr. (Jun 2025) to 0.03 Cr., marking a decrease of 0.04 Cr..
- For EPS in Rs, as of Sep 2025, the value is 0.00. The value appears to be declining and may need further review. It has decreased from 0.01 (Jun 2025) to 0.00, marking a decrease of 0.01.
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, 3:59 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 2.20 | 7.09 | 6.41 | 6.97 | 2.69 | 3.67 | 1.06 | 1.31 | 2.16 | 1.16 | 2.73 | 2.42 | 1.41 |
| Expenses | 2.23 | 7.14 | 6.81 | 6.92 | 2.45 | 3.09 | 0.68 | 1.02 | 1.34 | 1.36 | 1.44 | 1.74 | 0.97 |
| Operating Profit | -0.03 | -0.05 | -0.40 | 0.05 | 0.24 | 0.58 | 0.38 | 0.29 | 0.82 | -0.20 | 1.29 | 0.68 | 0.44 |
| OPM % | -1.36% | -0.71% | -6.24% | 0.72% | 8.92% | 15.80% | 35.85% | 22.14% | 37.96% | -17.24% | 47.25% | 28.10% | 31.21% |
| Other Income | 0.00 | 0.00 | 0.00 | 0.10 | 0.60 | 0.00 | 0.03 | -0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -0.03 | -0.05 | -0.40 | 0.15 | 0.84 | 0.58 | 0.41 | 0.28 | 0.82 | -0.20 | 1.29 | 0.68 | 0.44 |
| Tax % | 0.00% | 0.00% | 7.50% | 26.67% | 9.52% | 27.59% | 29.27% | 25.00% | 17.07% | 45.00% | 10.08% | 44.12% | |
| Net Profit | -0.03 | -0.05 | -0.43 | 0.11 | 0.76 | 0.43 | 0.29 | 0.20 | 0.67 | -0.29 | 1.16 | 0.38 | 0.16 |
| EPS in Rs | -0.00 | -0.01 | -0.07 | 0.02 | 0.12 | 0.07 | 0.04 | 0.03 | 0.10 | -0.04 | 0.18 | 0.06 | 0.02 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | -66.67% | -760.00% | 125.58% | 590.91% | -43.42% | -32.56% | -31.03% | 235.00% | -143.28% | 500.00% | -67.24% |
| Change in YoY Net Profit Growth (%) | 0.00% | -693.33% | 885.58% | 465.33% | -634.33% | 10.86% | 1.52% | 266.03% | -378.28% | 643.28% | -567.24% |
Cubical Financial Services Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | -10% |
| 5 Years: | 18% |
| 3 Years: | 4% |
| TTM: | -12% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 25% |
| 5 Years: | 6% |
| 3 Years: | -17% |
| TTM: | -47% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | -7% |
| 5 Years: | 19% |
| 3 Years: | -4% |
| 1 Year: | -9% |
| Return on Equity | |
|---|---|
| 10 Years: | 2% |
| 5 Years: | 3% |
| 3 Years: | 3% |
| Last Year: | 3% |
Last Updated: September 5, 2025, 2:51 pm
Balance Sheet
Last Updated: December 10, 2025, 4:02 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 13.03 | 13.03 | 13.03 | 13.03 | 13.03 | 13.03 | 13.03 | 13.03 | 13.03 | 13.03 | 13.03 | 13.03 | 13.03 |
| Reserves | -1.16 | -1.21 | -1.64 | -1.53 | -0.77 | -0.35 | -0.06 | 0.15 | 0.82 | 0.54 | 1.69 | 2.06 | 2.17 |
| Borrowings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Liabilities | 0.05 | 0.03 | 0.43 | 0.03 | 0.15 | 0.13 | 0.19 | 0.10 | 0.16 | 0.11 | 0.19 | 0.34 | 0.42 |
| Total Liabilities | 11.92 | 11.85 | 11.82 | 11.53 | 12.41 | 12.81 | 13.16 | 13.28 | 14.01 | 13.68 | 14.91 | 15.43 | 15.62 |
| Fixed Assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 0.98 | 0.16 | 4.80 | 2.05 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Assets | 10.94 | 11.69 | 7.02 | 9.48 | 12.40 | 12.80 | 13.15 | 13.28 | 14.01 | 13.68 | 14.90 | 15.42 | 15.61 |
| Total Assets | 11.92 | 11.85 | 11.82 | 11.53 | 12.41 | 12.81 | 13.16 | 13.28 | 14.01 | 13.68 | 14.91 | 15.43 | 15.62 |
Below is a detailed analysis of the balance sheet data for Cubical Financial Services 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 13.03 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 13.03 Cr..
- For Reserves, as of Sep 2025, the value is 2.17 Cr.. The value appears strong and on an upward trend. It has increased from 2.06 Cr. (Mar 2025) to 2.17 Cr., marking an increase of 0.11 Cr..
- For Borrowings, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 0.42 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.34 Cr. (Mar 2025) to 0.42 Cr., marking an increase of 0.08 Cr..
- For Total Liabilities, as of Sep 2025, the value is 15.62 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 15.43 Cr. (Mar 2025) to 15.62 Cr., marking an increase of 0.19 Cr..
- For Fixed Assets, as of Sep 2025, the value is 0.01 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.01 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 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Other Assets, as of Sep 2025, the value is 15.61 Cr.. The value appears strong and on an upward trend. It has increased from 15.42 Cr. (Mar 2025) to 15.61 Cr., marking an increase of 0.19 Cr..
- For Total Assets, as of Sep 2025, the value is 15.62 Cr.. The value appears strong and on an upward trend. It has increased from 15.43 Cr. (Mar 2025) to 15.62 Cr., marking an increase of 0.19 Cr..
Notably, the Reserves (2.17 Cr.) exceed the Borrowings (0.00 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 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -0.03 | -0.05 | -0.40 | 0.05 | 0.24 | 0.58 | 0.38 | 0.29 | 0.82 | -0.20 | 1.29 | 0.68 |
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 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0.00 | 3.09 | 2.28 | 6.81 | 16.28 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Days | 675.86 | 66.36 | 45.25 | 106.23 | 593.86 | 74.46 | 879.32 | 976.16 | 741.65 | 432.73 | 46.04 | |
| Days Payable | 5.24 | 0.00 | 29.41 | 0.00 | 0.00 | 1.46 | 33.18 | 4.24 | 15.53 | 7.53 | 13.15 | |
| Cash Conversion Cycle | 670.62 | 69.45 | 18.11 | 113.04 | 610.15 | 73.00 | 0.00 | 846.14 | 971.92 | 726.12 | 425.21 | 32.88 |
| Working Capital Days | 1,758.64 | 568.35 | 361.58 | 419.46 | 1,393.51 | 46.74 | 151.51 | 270.27 | 363.31 | 566.38 | 129.69 | -28.66 |
| ROCE % | -0.25% | -0.42% | -3.45% | 1.31% | 2.61% | 4.65% | 3.20% | 2.22% | 6.07% | -1.46% | 9.12% | 4.56% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
| Basic EPS (Rs.) | 0.06 | 0.18 | -0.04 | 0.10 | 0.03 |
| Diluted EPS (Rs.) | 0.06 | 0.18 | -0.04 | 0.10 | 0.03 |
| Cash EPS (Rs.) | 0.05 | 0.17 | -0.04 | 0.10 | 0.03 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 2.32 | 2.26 | 2.08 | 2.13 | 2.02 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 2.32 | 2.26 | 2.08 | 2.13 | 2.02 |
| Revenue From Operations / Share (Rs.) | 0.37 | 0.41 | 0.17 | 0.33 | 0.20 |
| PBDIT / Share (Rs.) | 0.10 | 0.19 | -0.03 | 0.12 | 0.04 |
| PBIT / Share (Rs.) | 0.10 | 0.19 | -0.03 | 0.12 | 0.04 |
| PBT / Share (Rs.) | 0.10 | 0.19 | -0.03 | 0.12 | 0.04 |
| Net Profit / Share (Rs.) | 0.05 | 0.17 | -0.04 | 0.10 | 0.03 |
| PBDIT Margin (%) | 28.04 | 47.07 | -16.93 | 37.77 | 21.73 |
| PBIT Margin (%) | 28.03 | 47.06 | -16.93 | 37.77 | 21.73 |
| PBT Margin (%) | 28.02 | 47.06 | -16.93 | 37.77 | 21.73 |
| Net Profit Margin (%) | 15.51 | 42.37 | -24.58 | 31.12 | 15.64 |
| Return on Networth / Equity (%) | 2.48 | 7.86 | -2.10 | 4.85 | 1.55 |
| Return on Capital Employeed (%) | 4.41 | 8.64 | -1.44 | 5.88 | 2.15 |
| Return On Assets (%) | 2.43 | 7.77 | -2.08 | 4.80 | 1.54 |
| Asset Turnover Ratio (%) | 0.15 | 0.19 | 0.08 | 0.15 | 0.09 |
| Current Ratio (X) | 357.52 | 801.13 | 253.13 | 118.60 | 296.75 |
| Quick Ratio (X) | 354.28 | 739.20 | 217.77 | 99.13 | 273.07 |
| Inventory Turnover Ratio (X) | 3.75 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Coverage Ratio (X) | 22623.80 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Coverage Ratio (Post Tax) (X) | 12516.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Enterprise Value (Cr.) | 13.25 | 9.85 | 9.40 | 17.18 | 11.33 |
| EV / Net Operating Revenue (X) | 5.48 | 3.60 | 8.09 | 7.94 | 8.63 |
| EV / EBITDA (X) | 19.53 | 7.65 | -47.79 | 21.03 | 39.72 |
| MarketCap / Net Operating Revenue (X) | 5.57 | 3.67 | 8.13 | 8.07 | 8.74 |
| Price / BV (X) | 0.89 | 0.68 | 0.69 | 1.26 | 0.86 |
| Price / Net Operating Revenue (X) | 5.58 | 3.67 | 8.14 | 8.08 | 8.75 |
| EarningsYield | 0.02 | 0.11 | -0.03 | 0.03 | 0.01 |
After reviewing the key financial ratios for Cubical Financial Services 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. There is no change compared to the previous period (Mar 24) which recorded 2.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 0.06. This value is below the healthy minimum of 5. It has decreased from 0.18 (Mar 24) to 0.06, marking a decrease of 0.12.
- For Diluted EPS (Rs.), as of Mar 25, the value is 0.06. This value is below the healthy minimum of 5. It has decreased from 0.18 (Mar 24) to 0.06, marking a decrease of 0.12.
- For Cash EPS (Rs.), as of Mar 25, the value is 0.05. This value is below the healthy minimum of 3. It has decreased from 0.17 (Mar 24) to 0.05, marking a decrease of 0.12.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 2.32. It has increased from 2.26 (Mar 24) to 2.32, marking an increase of 0.06.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 2.32. It has increased from 2.26 (Mar 24) to 2.32, marking an increase of 0.06.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 0.37. It has decreased from 0.41 (Mar 24) to 0.37, marking a decrease of 0.04.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 0.10. This value is below the healthy minimum of 2. It has decreased from 0.19 (Mar 24) to 0.10, marking a decrease of 0.09.
- For PBIT / Share (Rs.), as of Mar 25, the value is 0.10. This value is within the healthy range. It has decreased from 0.19 (Mar 24) to 0.10, marking a decrease of 0.09.
- For PBT / Share (Rs.), as of Mar 25, the value is 0.10. This value is within the healthy range. It has decreased from 0.19 (Mar 24) to 0.10, marking a decrease of 0.09.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 0.05. This value is below the healthy minimum of 2. It has decreased from 0.17 (Mar 24) to 0.05, marking a decrease of 0.12.
- For PBDIT Margin (%), as of Mar 25, the value is 28.04. This value is within the healthy range. It has decreased from 47.07 (Mar 24) to 28.04, marking a decrease of 19.03.
- For PBIT Margin (%), as of Mar 25, the value is 28.03. This value exceeds the healthy maximum of 20. It has decreased from 47.06 (Mar 24) to 28.03, marking a decrease of 19.03.
- For PBT Margin (%), as of Mar 25, the value is 28.02. This value is within the healthy range. It has decreased from 47.06 (Mar 24) to 28.02, marking a decrease of 19.04.
- For Net Profit Margin (%), as of Mar 25, the value is 15.51. This value exceeds the healthy maximum of 10. It has decreased from 42.37 (Mar 24) to 15.51, marking a decrease of 26.86.
- For Return on Networth / Equity (%), as of Mar 25, the value is 2.48. This value is below the healthy minimum of 15. It has decreased from 7.86 (Mar 24) to 2.48, marking a decrease of 5.38.
- For Return on Capital Employeed (%), as of Mar 25, the value is 4.41. This value is below the healthy minimum of 10. It has decreased from 8.64 (Mar 24) to 4.41, marking a decrease of 4.23.
- For Return On Assets (%), as of Mar 25, the value is 2.43. This value is below the healthy minimum of 5. It has decreased from 7.77 (Mar 24) to 2.43, marking a decrease of 5.34.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.15. It has decreased from 0.19 (Mar 24) to 0.15, marking a decrease of 0.04.
- For Current Ratio (X), as of Mar 25, the value is 357.52. This value exceeds the healthy maximum of 3. It has decreased from 801.13 (Mar 24) to 357.52, marking a decrease of 443.61.
- For Quick Ratio (X), as of Mar 25, the value is 354.28. This value exceeds the healthy maximum of 2. It has decreased from 739.20 (Mar 24) to 354.28, marking a decrease of 384.92.
- For Inventory Turnover Ratio (X), as of Mar 25, the value is 3.75. This value is below the healthy minimum of 4. It has increased from 0.00 (Mar 24) to 3.75, marking an increase of 3.75.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 22,623.80. This value is within the healthy range. It has increased from 0.00 (Mar 24) to 22,623.80, marking an increase of 22,623.80.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 12,516.00. This value is within the healthy range. It has increased from 0.00 (Mar 24) to 12,516.00, marking an increase of 12,516.00.
- For Enterprise Value (Cr.), as of Mar 25, the value is 13.25. It has increased from 9.85 (Mar 24) to 13.25, marking an increase of 3.40.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 5.48. This value exceeds the healthy maximum of 3. It has increased from 3.60 (Mar 24) to 5.48, marking an increase of 1.88.
- For EV / EBITDA (X), as of Mar 25, the value is 19.53. This value exceeds the healthy maximum of 15. It has increased from 7.65 (Mar 24) to 19.53, marking an increase of 11.88.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 5.57. This value exceeds the healthy maximum of 3. It has increased from 3.67 (Mar 24) to 5.57, marking an increase of 1.90.
- For Price / BV (X), as of Mar 25, the value is 0.89. This value is below the healthy minimum of 1. It has increased from 0.68 (Mar 24) to 0.89, marking an increase of 0.21.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 5.58. This value exceeds the healthy maximum of 3. It has increased from 3.67 (Mar 24) to 5.58, marking an increase of 1.91.
- For EarningsYield, as of Mar 25, the value is 0.02. This value is below the healthy minimum of 5. It has decreased from 0.11 (Mar 24) to 0.02, marking a decrease of 0.09.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
|
|
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 Cubical Financial Services Ltd:
- Net Profit Margin: 15.51%
- 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: 4.41% (Industry Average ROCE: 15.81%)
- 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%: 2.48% (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): 12516
- 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: 354.28
- 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: 87.6 (Industry average Stock P/E: 49.71)
- 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
- 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: 15.51%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | 456, Aggarwal Metro Heights, New Delhi Delhi 110034 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Ashwani Kumar Gupta | Managing Director |
| Mrs. Jyoti Choudhary | Non Executive Director |
| Mr. Ashish Bhala | Independent Director |
| Mr. Subhash Kumar Changoiwala | Independent Director |
| Mr. Ram Gopal Dalmia | Independent Director |
FAQ
What is the intrinsic value of Cubical Financial Services Ltd?
Cubical Financial Services Ltd's intrinsic value (as of 31 January 2026) is ₹3.08 which is 43.26% higher the current market price of ₹2.15, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹14.0 Cr. market cap, FY2025-2026 high/low of ₹3.80/1.82, reserves of ₹2.17 Cr, and liabilities of ₹15.62 Cr.
What is the Market Cap of Cubical Financial Services Ltd?
The Market Cap of Cubical Financial Services Ltd is 14.0 Cr..
What is the current Stock Price of Cubical Financial Services Ltd as on 31 January 2026?
The current stock price of Cubical Financial Services Ltd as on 31 January 2026 is ₹2.15.
What is the High / Low of Cubical Financial Services Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Cubical Financial Services Ltd stocks is ₹3.80/1.82.
What is the Stock P/E of Cubical Financial Services Ltd?
The Stock P/E of Cubical Financial Services Ltd is 87.6.
What is the Book Value of Cubical Financial Services Ltd?
The Book Value of Cubical Financial Services Ltd is 2.33.
What is the Dividend Yield of Cubical Financial Services Ltd?
The Dividend Yield of Cubical Financial Services Ltd is 0.00 %.
What is the ROCE of Cubical Financial Services Ltd?
The ROCE of Cubical Financial Services Ltd is 4.56 %.
What is the ROE of Cubical Financial Services Ltd?
The ROE of Cubical Financial Services Ltd is 2.55 %.
What is the Face Value of Cubical Financial Services Ltd?
The Face Value of Cubical Financial Services Ltd is 2.00.