Share Price and Basic Stock Data
Last Updated: December 26, 2025, 11:00 pm
| PEG Ratio | -4.14 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Cubical Financial Services Ltd operates within the Non-Banking Financial Company (NBFC) sector and has reported a current stock price of ₹2.95, translating to a market capitalization of ₹19.2 Cr. The company has exhibited fluctuating revenue trends over the past few quarters. Sales for the quarter ended September 2023 surged to ₹1.66 Cr, a significant increase from ₹0.15 Cr in September 2022, indicating a recovery trajectory. However, subsequent quarterly sales figures showed variability, with ₹0.48 Cr in March 2024 and ₹0.25 Cr in June 2024. Over the last fiscal year, total sales stood at ₹1.16 Cr for FY 2023, with a modest increase to ₹2.73 Cr in FY 2024, albeit with a projected decline to ₹2.42 Cr in FY 2025. This volatility raises questions about the sustainability of revenue growth in the face of fluctuating operational performance.
Profitability and Efficiency Metrics
Profitability metrics for Cubical Financial Services Ltd reveal a mixed performance landscape. The company recorded a net profit of ₹0.16 Cr, which translates to a return on equity (ROE) of 2.55%. The operating profit margin (OPM) stood at a robust 38.24%, indicating efficient cost management relative to sales. However, the inconsistent profitability is illustrated by a history of negative net profits in several quarters, including a loss of ₹0.27 Cr in March 2023. The interest coverage ratio (ICR) is notably high at 22,623.80x, reflecting the absence of borrowings, which provides a cushion against financial distress. The cash conversion cycle (CCC) of 32.88 days indicates a relatively efficient working capital management, although this is a decline from previous periods. Overall, while the company showcases strong operational margins, the inconsistent profitability performance poses a challenge for sustained investor confidence.
Balance Sheet Strength and Financial Ratios
The balance sheet of Cubical Financial Services Ltd exhibits a conservative financial structure, as evidenced by zero borrowings, which enhances its financial stability. As of March 2025, the company reported total reserves of ₹2.17 Cr, indicating a gradual build-up of retained earnings. The absence of debt positions the company favorably in terms of liquidity and risk management. 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 indicate undervaluation relative to its assets. The current ratio of 357.52x and quick ratio of 354.28x further reinforce the company’s strong liquidity position. However, the declining trend in total assets, which stood at ₹15.43 Cr in March 2025, raises concerns regarding growth potential and asset utilization efficiency in the long term.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Cubical Financial Services Ltd reveals a stable ownership structure, with promoters holding 30.80% of the equity, while the public holds a significant 69.19%. The total number of shareholders has increased from 11,994 in December 2022 to 17,717 by March 2025, reflecting growing investor interest. This increasing shareholder base is a positive indicator of market confidence, although the absence of Foreign Institutional Investors (FIIs) and Domestic Institutional Investors (DIIs) may suggest a need for more institutional engagement to enhance credibility. The consistent promoter shareholding indicates a commitment to the company’s long-term vision. However, the lack of institutional backing could pose challenges in terms of liquidity and market perception, particularly in volatile market conditions.
Outlook, Risks, and Final Insight
The outlook for Cubical Financial Services Ltd hinges on its ability to stabilize revenue and enhance profitability amidst fluctuating performance metrics. Key strengths include its zero-debt position, high operating profit margins, and substantial liquidity, which provide a solid foundation for operational resilience. However, risks remain pertinent, including the inconsistency in revenue generation, the decline in total assets, and the absence of institutional investor participation. In the event of sustained revenue growth and improved profitability, the company could enhance its market position significantly. Conversely, failure to address these operational challenges may lead to prolonged volatility in stock performance. Strategic initiatives to attract institutional investors and stabilize revenue streams will be critical for future growth and investor confidence.
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 | 14.8 Cr. | 1.48 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 7.63 Cr. | 0.76 | 8.62/0.75 | 22.4 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 464 Cr. | 63.4 | 130/59.1 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.1 Cr. | 16.5 | 34.4/15.0 | 11.3 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 37.1 Cr. | 82.5 | 162/74.8 | 19.8 | 238 | 1.21 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,743.41 Cr | 462.37 | 53.31 | 522.46 | 0.22% | 15.80% | 8.84% | 8.50 |
Quarterly Result
| Metric | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 0.21 | 0.34 | 0.15 | 0.30 | 0.35 | 0.22 | 1.66 | 0.37 | 0.48 | 0.25 | 1.46 | 0.37 | 0.34 |
| Expenses | -0.06 | 0.44 | 0.05 | 0.27 | 0.59 | -0.29 | 1.68 | 0.28 | -0.22 | 0.18 | 1.12 | 0.22 | 0.21 |
| Operating Profit | 0.27 | -0.10 | 0.10 | 0.03 | -0.24 | 0.51 | -0.02 | 0.09 | 0.70 | 0.07 | 0.34 | 0.15 | 0.13 |
| OPM % | 128.57% | -29.41% | 66.67% | 10.00% | -68.57% | 231.82% | -1.20% | 24.32% | 145.83% | 28.00% | 23.29% | 40.54% | 38.24% |
| Other Income | 0.00 | 0.00 | 0.01 | 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 | 0.27 | -0.10 | 0.11 | 0.03 | -0.24 | 0.51 | -0.02 | 0.09 | 0.70 | 0.07 | 0.34 | 0.15 | 0.13 |
| Tax % | 11.11% | 20.00% | 9.09% | 100.00% | 12.50% | 3.92% | 400.00% | -44.44% | 8.57% | 14.29% | 20.59% | 20.00% | 146.15% |
| Net Profit | 0.23 | -0.12 | 0.09 | 0.01 | -0.27 | 0.48 | -0.10 | 0.13 | 0.65 | 0.05 | 0.26 | 0.12 | -0.06 |
| EPS in Rs | 0.04 | -0.02 | 0.01 | 0.00 | -0.04 | 0.07 | -0.02 | 0.02 | 0.10 | 0.01 | 0.04 | 0.02 | -0.01 |
Last Updated: May 31, 2025, 6:34 am
Below is a detailed analysis of the quarterly data for Cubical Financial Services Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Sales, as of Mar 2025, the value is 0.34 Cr.. The value appears to be declining and may need further review. It has decreased from 0.37 Cr. (Dec 2024) to 0.34 Cr., marking a decrease of 0.03 Cr..
- For Expenses, as of Mar 2025, the value is 0.21 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.22 Cr. (Dec 2024) to 0.21 Cr., marking a decrease of 0.01 Cr..
- For Operating Profit, as of Mar 2025, the value is 0.13 Cr.. The value appears to be declining and may need further review. It has decreased from 0.15 Cr. (Dec 2024) to 0.13 Cr., marking a decrease of 0.02 Cr..
- For OPM %, as of Mar 2025, the value is 38.24%. The value appears to be declining and may need further review. It has decreased from 40.54% (Dec 2024) to 38.24%, marking a decrease of 2.30%.
- For Other Income, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 0.00 Cr..
- For Interest, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 0.00 Cr..
- For Depreciation, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 0.00 Cr..
- For Profit before tax, as of Mar 2025, the value is 0.13 Cr.. The value appears to be declining and may need further review. It has decreased from 0.15 Cr. (Dec 2024) to 0.13 Cr., marking a decrease of 0.02 Cr..
- For Tax %, as of Mar 2025, the value is 146.15%. The value appears to be increasing, which may not be favorable. It has increased from 20.00% (Dec 2024) to 146.15%, marking an increase of 126.15%.
- For Net Profit, as of Mar 2025, the value is -0.06 Cr.. The value appears to be declining and may need further review. It has decreased from 0.12 Cr. (Dec 2024) to -0.06 Cr., marking a decrease of 0.18 Cr..
- For EPS in Rs, as of Mar 2025, the value is -0.01. The value appears to be declining and may need further review. It has decreased from 0.02 (Dec 2024) to -0.01, marking a decrease of 0.03.
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: 15.8%)
- 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%: 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: 114 (Industry average Stock P/E: 53.31)
- 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 26 December 2025) is 5.53 which is 96.80% higher the current market price of 2.81, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 18.3 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 18.3 Cr..
What is the current Stock Price of Cubical Financial Services Ltd as on 26 December 2025?
The current stock price of Cubical Financial Services Ltd as on 26 December 2025 is 2.81.
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 114.
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.