Everlon Financials Ltd – Key Insights and Financials.: Intrinsic Value & Share Price Analysis

Q: Is Everlon Financials Ltd – Key Insights and Financials. financially healthy?

Key indicators: ROCE of 16.7 % indicates efficient capital utilization. Dividend yield is 0.00 %.

Fair Value

₹22.79Overvalued by 76.65%vs CMP ₹97.60

P/E (15.0) × ROE (4.7%) × BV (₹39.70) × DY (2.00%)

Defaults: P/E=15

₹29.70Overvalued by 69.57%vs CMP ₹97.60

MoS: -228.6% (Negative)Confidence: 65/100 (Moderate)Models: All 8: Overvalued

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹12.54	20%	Over (-87.2%)
Graham Number	Earnings	₹41.41	18%	Over (-57.6%)
Earnings Power	Earnings	₹32.69	12%	Over (-66.5%)
DCF	Cash Flow	₹18.93	15%	Over (-80.6%)
Net Asset Value	Assets	₹39.70	8%	Over (-59.3%)
EV/EBITDA	Enterprise	₹1.29	10%	Over (-98.7%)
Earnings Yield	Earnings	₹19.20	8%	Over (-80.3%)
ROCE Capital	Returns	₹84.30	10%	Over (-13.6%)
Consensus (8 models)		₹29.70	100%	Overvalued

Key Drivers: EPS CAGR -45.0% drags value — could be higher if earnings stabilize. | ROE 4.7% is below cost of equity.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: -45.0% · Defaults: P/E=15

*Investments are subject to market risks

Analyst Summary

Everlon Financials Ltd – Key Insights and Financials. operates in the Non-Banking Financial Company (NBFC) segment, NSE: EVERFIN | BSE: 514358, current market price is ₹97.60, market cap is 60.5 Cr.. At a glance, ROE is 4.69 %, ROCE is 16.7 %, book value is 39.7, dividend yield is 0.00 %. The latest intrinsic value estimate is ₹29.70, around 69.6% below the current price, so expectations may already be running ahead of this modelled fair value. On operating trend, latest reported sales are about ₹16 Cr versus the prior period change of 52.6%, while latest net profit is about ₹1 Cr with a prior-period change of -85.1%. The 52-week range shown on this page is 168/77.5, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisEverlon Financials Ltd. is a Public Limited Listed company incorporated on 26/07/1989 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) i…

This summary is generated from the stock page data available for Everlon Financials Ltd – Key Insights and Financials.: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

Everlon Financials Ltd – Key Insights and Financials. scores 50/100 (Average)

Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison

Stock Health64/100 · Moderate

ROCE 16.7% GoodROE 4.7% WeakD/E 0.89 ModerateInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent

Smart Money50/100 · Moderate

Promoter holding at 74.5% Stable

Earnings Quality40/100 · Moderate

Working capital: 388 days Capital intensive

Quarterly Momentum40/100 · Moderate

Profit (4Q): -188% YoY Declining

Industry Rank50/100 · Moderate

ROCE 16.7% vs industry 15.8% Average

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, 4:35 am

Market Cap	60.5 Cr.
Current Price	97.6
Intrinsic Value	₹29.70
High / Low	168/77.5
Stock P/E
Book Value	39.7
Dividend Yield	0.00 %
ROCE	16.7 %
ROE	4.69 %
Face Value	10.0
PEG Ratio	0.00

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

Stock P/E Current Price Intrinsic Value

View Share Price Target for Everlon Financials Ltd – Key Insights and Financials.

Competitors

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Minolta Finance Ltd	15.2 Cr.	1.52	1.66/1.00		1.07	0.00 %	0.40 %	0.09 %	1.00
Money Masters Leasing & Finance Ltd	5.72 Cr.	0.57	2.05/0.55	8.54	1.57	0.00 %	4.42 %	3.94 %	1.00
Moneyboxx Finance Ltd	435 Cr.	62.3	123/44.0		40.1	0.00 %	8.65 %	0.58 %	10.0
Moongipa Capital Finance Ltd	12.4 Cr.	13.5	24.7/12.0	10.2	26.6	0.00 %	12.1 %	9.43 %	10.0
Morarka Finance Ltd	20.9 Cr.	46.4	138/42.1	11.3	238	2.16 %	2.46 %	2.17 %	10.0
Industry Average	22,241.21 Cr	369.74		101.56	513.16	0.26%	15.81%	8.84%	8.50

All Competitor Stocks of Everlon Financials Ltd – Key Insights and Financials.

Quarterly Result

Metric	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	4.72	0.43	1.45	4.46	1.68	2.52	4.53	3.36	1.39	3.83	8.23	5.33	2.28
Interest	0.00	0.00	0.00	0.00	0.02	0.00	0.02	0.02	0.01	0.00	0.01	0.01	0.28
Expenses	2.50	0.43	0.06	3.14	-0.01	-2.10	2.47	2.78	-3.15	9.11	8.58	7.44	3.00
Financing Profit	2.22	0.00	1.39	1.32	1.67	4.62	2.04	0.56	4.53	-5.28	-0.36	-2.12	-1.00
Financing Margin %	47.03%	0.00%	95.86%	29.60%	99.40%	183.33%	45.03%	16.67%	325.90%	-137.86%	-4.37%	-39.77%	-43.86%
Other Income	-0.20	0.03	0.02	0.02	0.06	0.02	0.00	0.00	2.44	0.00	0.00	0.04	0.00
Depreciation	0.02	0.02	0.01	0.02	0.02	0.03	0.02	0.02	0.03	0.03	0.02	0.02	0.01
Profit before tax	2.00	0.01	1.40	1.32	1.71	4.61	2.02	0.54	6.94	-5.31	-0.38	-2.10	-1.01
Tax %	6.00%	6,300.00%	33.57%	33.33%	-43.27%	19.31%	2.48%	18.52%	35.73%	7.16%	7.89%	3.81%	6.93%
Net Profit	1.89	-0.62	0.93	0.88	2.44	3.73	1.98	0.43	4.46	-5.68	-0.41	-2.17	-1.08
EPS in Rs	3.36	-1.10	1.65	1.42	3.94	6.02	3.19	0.69	7.19	-9.16	-0.66	-3.50	-1.74
Gross NPA %
Net NPA %

Last Updated: March 3, 2026, 9:58 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 27, 2026, 5:05 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
Revenue	53.40	41.03	30.97	39.23	36.68	39.62	37.34	34.04	35.40	5.25	10.19	15.55	19.67
Interest	0.64	0.78	0.66	0.35	0.32	0.31	0.24	0.32	0.24	0.01	0.02	0.04	0.30
Expenses	52.16	39.90	30.55	38.53	35.95	39.49	36.74	32.53	34.62	3.11	1.06	11.22	28.13
Financing Profit	0.60	0.35	-0.24	0.35	0.41	-0.18	0.36	1.19	0.54	2.13	9.11	4.29	-8.76
Financing Margin %	1.12%	0.85%	-0.77%	0.89%	1.12%	-0.45%	0.96%	3.50%	1.53%	40.57%	89.40%	27.59%	-44.53%
Other Income	0.01	0.05	0.57	0.04	0.10	0.04	0.03	-0.67	1.99	0.04	0.04	0.00	0.04
Depreciation	0.30	0.31	0.23	0.22	0.22	0.25	0.23	0.22	0.22	0.07	0.08	0.10	0.08
Profit before tax	0.31	0.09	0.10	0.17	0.29	-0.39	0.16	0.30	2.31	2.10	9.07	4.19	-8.80
Tax %	19.35%	22.22%	20.00%	23.53%	20.69%	0.00%	0.00%	73.33%	8.66%	35.24%	11.69%	71.60%
Net Profit	0.25	0.07	0.08	0.14	0.23	-0.39	0.16	0.08	2.11	1.35	8.00	1.19	-9.34
EPS in Rs	0.45	0.12	0.14	0.25	0.41	-0.69	0.28	0.14	3.75	2.40	12.90	1.92	-15.06
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%

Profit & Loss Yearly Chart

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 (%)	-72.00%	14.29%	75.00%	64.29%	-269.57%	141.03%	-50.00%	2537.50%	-36.02%	492.59%	-85.12%
Change in YoY Net Profit Growth (%)	0.00%	86.29%	60.71%	-10.71%	-333.85%	410.59%	-191.03%	2587.50%	-2573.52%	528.61%	-577.72%

Everlon Financials Ltd – Key Insights and Financials. 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:	-9%
5 Years:	-16%
3 Years:	-24%
TTM:	27%

Compounded Profit Growth
10 Years:	33%
5 Years:	51%
3 Years:	42%
TTM:	-113%

Stock Price CAGR
10 Years:	20%
5 Years:	67%
3 Years:	63%
1 Year:	-12%

Return on Equity
10 Years:	12%
5 Years:	18%
3 Years:	21%
Last Year:	5%

Last Updated: September 5, 2025, 3:26 pm

Balance Sheet

Last Updated: February 1, 2026, 2:46 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	3.03	3.03	5.62	5.62	5.62	5.62	5.62	5.62	5.62	5.62	6.20	6.20	6.20
Reserves	-1.06	-1.00	0.09	0.23	0.46	0.63	0.79	0.92	3.03	4.38	13.25	25.05	18.41
Borrowing	7.45	7.30	4.80	3.04	4.66	3.46	2.33	4.35	0.00	0.00	0.00	0.00	0.00
Other Liabilities	1.34	0.96	0.94	0.91	1.56	0.96	0.91	1.05	0.17	0.29	0.27	3.08	3.52
Total Liabilities	10.76	10.29	11.45	9.80	12.30	10.67	9.65	11.94	8.82	10.29	19.72	34.33	28.13
Fixed Assets	3.96	3.80	3.80	3.59	3.49	3.34	3.11	2.89	0.21	0.15	0.26	0.26	0.15
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.22	0.00	0.00	0.00	0.00	0.00
Investments	0.02	0.03	0.03	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	14.78	10.02
Other Assets	6.78	6.46	7.62	6.21	8.81	7.33	6.54	8.83	8.61	10.14	19.46	19.29	17.96
Total Assets	10.76	10.29	11.45	9.80	12.30	10.67	9.65	11.94	8.82	10.29	19.72	34.33	28.13

Reserves and Borrowings Chart

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
Cash from Operating Activity +	0.67	2.04	-0.70	1.86	-1.37	1.47	1.34	-0.88	2.26	-2.17	-1.40	0.40
Cash from Investing Activity +	-0.06	-0.10	1.47	0.04	-0.03	0.02	0.03	-1.14	3.15	2.45	-0.06	-1.37
Cash from Financing Activity +	-0.79	-1.83	-0.77	-2.11	1.31	-1.52	-1.36	1.93	-4.55	-1.02	1.36	0.94
Net Cash Flow	-0.18	0.10	-0.01	-0.21	-0.09	-0.02	0.02	-0.09	0.86	-0.74	-0.10	-0.03
Free Cash Flow	0.58	1.90	-0.70	1.85	-1.49	1.48	1.34	-1.11	6.92	-2.18	-1.54	0.30
CFO/OP	54%	181%	-167%	266%	-188%	1,131%	213%	-55%	310%	-72%	-4%	24%

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	44.71	32.60	25.75	35.49	31.29	36.03	34.41	28.18	34.62	3.11	1.06	11.22

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

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	16.88	17.88	24.63	16.38	31.54	19.44	9.58	31.74	0.00	0.00	0.00	0.00
Inventory Days	17.36	20.42	44.35	31.58	56.61	46.47	53.50	61.72	53.88	1,252.72		666.94
Days Payable	7.29	8.08	8.95	6.72	11.82	4.78	5.40	7.92	0.26	3.00		0.35
Cash Conversion Cycle	26.96	30.22	60.02	41.24	76.33	61.13	57.68	85.54	53.62	1,249.71	0.00	666.58
Working Capital Days	-1.30	-6.32	25.22	21.68	25.97	27.45	31.87	31.85	43.00	602.77	646.54	388.24
ROCE %	10.49%	9.28%	2.62%	5.26%	5.60%	-0.78%	4.23%	13.86%	5.83%	22.63%	61.46%	16.69%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	71.85%	71.85%	74.47%	74.47%	74.47%	74.47%	74.47%	74.47%	74.47%	74.47%	74.47%	74.47%
Public	28.17%	28.15%	25.53%	25.55%	25.53%	25.54%	25.53%	25.52%	25.53%	25.53%	25.53%	25.53%
No. of Shareholders	2,651	2,624	2,579	2,610	2,599	2,783	2,766	2,757	2,777	2,754	2,727	2,714

Shareholding Pattern Chart

No. of Shareholders

Everlon Financials Ltd – Key Insights and Financials.: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 12	Mar 11	Mar 10
FaceValue	10.00	10.00	10.00
Basic EPS (Rs.)	1.63	1.13	1.95
Diluted EPS (Rs.)	1.63	1.13	1.95
Cash EPS (Rs.)	2.26	2.21	2.73
Book Value[Excl.RevalReserv]/Share (Rs.)	8.47	6.85	5.72
Book Value[Incl.RevalReserv]/Share (Rs.)	8.47	6.85	5.72
Revenue From Operations / Share (Rs.)	84.38	51.90	15.83
PBDIT / Share (Rs.)	2.49	3.21	3.53
PBIT / Share (Rs.)	1.86	2.13	2.76
PBT / Share (Rs.)	2.03	1.30	2.00
Net Profit / Share (Rs.)	1.63	1.13	1.95
NP After MI And SOA / Share (Rs.)	1.63	1.13	1.95
PBDIT Margin (%)	2.94	6.19	22.31
PBIT Margin (%)	2.20	4.11	17.41
PBT Margin (%)	2.40	2.50	12.61
Net Profit Margin (%)	1.93	2.18	12.33
NP After MI And SOA Margin (%)	1.93	2.18	12.33
Return on Networth / Equity (%)	19.27	16.51	34.11
Return on Capital Employeed (%)	10.47	17.68	25.48
Return On Assets (%)	6.11	5.53	16.03
Long Term Debt / Equity (X)	1.05	0.73	0.89
Total Debt / Equity (X)	1.73	1.15	0.89
Asset Turnover Ratio (%)	3.57	3.18	0.00
Current Ratio (X)	1.74	1.33	4.87
Quick Ratio (X)	0.65	0.68	3.45
Inventory Turnover Ratio (X)	10.05	12.88	0.00
Interest Coverage Ratio (X)	2.13	3.86	4.65
Interest Coverage Ratio (Post Tax) (X)	1.26	2.25	3.57
Enterprise Value (Cr.)	12.15	10.63	7.98
EV / Net Operating Revenue (X)	0.28	0.40	0.99
EV / EBITDA (X)	9.67	6.55	4.47
MarketCap / Net Operating Revenue (X)	0.11	0.26	0.71
Price / BV (X)	1.18	2.01	1.97
Price / Net Operating Revenue (X)	0.11	0.26	0.71
EarningsYield	0.16	0.08	0.17

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Everlon Financials Ltd. is a Public Limited Listed company incorporated on 26/07/1989 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L65100MH1989PLC052747 and registration number is 052747. Currently company belongs to the Industry of Non-Banking Financial Company (NBFC). Company's Total Operating Revenue is Rs. 13.11 Cr. and Equity Capital is Rs. 6.20 Cr. for the Year ended 31/03/2025.

INDUSTRY	ADDRESS	CONTACT
Non-Banking Financial Company (NBFC)	67, Regent Chambers, Mumbai Maharashtra 400021	Contact not found

Management
Name	Position Held
Mr. Jitendra K Vakharia	Managing Director
Mr. Neeraj Sharma	Director
Mrs. Varsha J Vakharia	Director
Mr. Nitin I Parekh	Independent Director
Mr. Kiron Basty Shenoy	Independent Director

FAQ

What is the intrinsic value of Everlon Financials Ltd – Key Insights and Financials. and is it undervalued?

As of 22 April 2026, Everlon Financials Ltd – Key Insights and Financials.'s intrinsic value is ₹29.70, which is 69.57% lower than the current market price of ₹97.60, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (4.69 %), book value (₹39.7), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Everlon Financials Ltd – Key Insights and Financials.?

Everlon Financials Ltd – Key Insights and Financials. is trading at ₹97.60 as of 22 April 2026, with a FY2026-2027 high of ₹168 and low of ₹77.5. The stock is currently near its 52-week low. Market cap stands at ₹60.5 Cr..

How does Everlon Financials Ltd – Key Insights and Financials.'s P/E ratio compare to its industry?

Everlon Financials Ltd – Key Insights and Financials. has a P/E ratio of , which is below the industry average of 101.56. This is broadly in line with or below the industry average.

Is Everlon Financials Ltd – Key Insights and Financials. financially healthy?

Key indicators for Everlon Financials Ltd – Key Insights and Financials.: ROCE of 16.7 % indicates efficient capital utilization; ROE of 4.69 % is below ideal levels (industry average: 8.84%). Dividend yield is 0.00 %.

Is Everlon Financials Ltd – Key Insights and Financials. profitable and how is the profit trend?

Everlon Financials Ltd – Key Insights and Financials. reported a net profit of ₹1 Cr in Mar 2025 on revenue of ₹16 Cr. Compared to ₹2 Cr in Mar 2022, the net profit shows a declining trend.

Does Everlon Financials Ltd – Key Insights and Financials. pay dividends?

Everlon Financials Ltd – Key Insights and Financials. has a dividend yield of 0.00 % at the current price of ₹97.60. The company is currently not paying meaningful dividends.