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Last Updated on: 08 August, 2025
Author: Getaka|Social: Getaka Financial Technology X (Earlier Twitter) Profile Getaka Financial Technology LinkedIn Logo
Stock Ticker - BSE: 511549 | NSE: MORARKFI

Morarka Finance Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: August 1, 2025, 7:16 pm

Market Cap 50.2 Cr.
Current Price 112
High / Low 191/95.0
Stock P/E38.9
Book Value 212
Dividend Yield5.38 %
ROCE2.46 %
ROE2.17 %
Face Value 10.0
PEG Ratio-2.05

Quick Insight

Morarka Finance Ltd's current share price of ₹112 reflects a P/E ratio of 38.9, indicating a premium valuation compared to its earnings. With an ROE and ROCE of 2.17% and 2.46% respectively, the company's profitability and capital efficiency are relatively low. However, the high operating profit margin of 51.72% is a positive sign. The company's low P/BV ratio of 0.48x suggests that the stock is trading below its book value. Furthermore, the absence of borrowings and a cash conversion cycle of 0.00 days indicate a strong financial position. Overall, investors should consider the company's low profitability metrics alongside its strong balance sheet when evaluating investment opportunities in Morarka Finance Ltd.

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

View Share Price Target for Morarka Finance Ltd

Competitors of Morarka Finance Ltd

Stock Name Market Cap Current Price High / Low Stock P/E Book Value Dividend Yield ROCE ROE Face Value
Minolta Finance Ltd 11.8 Cr. 1.18 1.91/0.721,180 1.070.00 %0.40 %0.09 % 1.00
Money Masters Leasing & Finance Ltd 17.7 Cr. 1.76 18.8/1.0634.6 1.570.00 %2.44 %3.58 % 1.00
Moneyboxx Finance Ltd 506 Cr. 155 331/152 79.80.00 %8.73 %0.58 % 10.0
Moongipa Capital Finance Ltd 17.0 Cr. 18.5 41.0/18.012.3 24.90.00 %15.0 %9.43 % 10.0
Morarka Finance Ltd 50.2 Cr. 112 191/95.038.9 2125.38 %2.46 %2.17 % 10.0
Industry Average25,040.91 Cr472.2777.69498.630.26%15.73%8.87%8.48

All Competitor Stocks of Morarka Finance Ltd

Quarterly Result

MetricJun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
Sales 5.190.210.450.015.130.900.750.810.811.190.170.340.29
Expenses 0.110.060.110.100.130.080.130.120.130.110.150.160.14
Operating Profit 5.080.150.34-0.095.000.820.620.690.681.080.020.180.15
OPM % 97.88%71.43%75.56%-900.00%97.47%91.11%82.67%85.19%83.95%90.76%11.76%52.94%51.72%
Other Income 0.000.000.000.000.000.000.000.000.990.000.000.230.00
Interest 0.000.000.000.000.000.000.000.000.000.000.000.000.00
Depreciation 0.000.000.000.000.000.000.000.000.000.000.000.000.00
Profit before tax 5.080.150.34-0.095.000.820.620.691.671.080.020.410.15
Tax % 3.54%93.33%38.24%366.67%3.80%25.61%40.32%23.19%1.80%50.00%-400.00%-26.83%0.00%
Net Profit 4.890.000.21-0.434.810.610.370.531.640.540.090.520.14
EPS in Rs 10.860.000.47-0.9610.681.350.821.183.641.200.201.160.31

Last Updated: July 18, 2025, 1:55 pm

Below is a detailed analysis of the quarterly data for Morarka Finance Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:

  • For Sales, as of Jun 2025, the value is 0.29 Cr.. The value appears to be declining and may need further review. It has decreased from 0.34 Cr. (Mar 2025) to 0.29 Cr., marking a decrease of 0.05 Cr..
  • For Expenses, as of Jun 2025, the value is 0.14 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.16 Cr. (Mar 2025) to 0.14 Cr., marking a decrease of 0.02 Cr..
  • For Operating Profit, as of Jun 2025, the value is 0.15 Cr.. The value appears to be declining and may need further review. It has decreased from 0.18 Cr. (Mar 2025) to 0.15 Cr., marking a decrease of 0.03 Cr..
  • For OPM %, as of Jun 2025, the value is 51.72%. The value appears to be declining and may need further review. It has decreased from 52.94% (Mar 2025) to 51.72%, marking a decrease of 1.22%.
  • For Other Income, as of Jun 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 0.23 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 0.23 Cr..
  • For Interest, as of Jun 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 Depreciation, as of Jun 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 Profit before tax, as of Jun 2025, the value is 0.15 Cr.. The value appears to be declining and may need further review. It has decreased from 0.41 Cr. (Mar 2025) to 0.15 Cr., marking a decrease of 0.26 Cr..
  • For Tax %, as of Jun 2025, the value is 0.00%. The value appears to be increasing, which may not be favorable. It has increased from -26.83% (Mar 2025) to 0.00%, marking an increase of 26.83%.
  • For Net Profit, as of Jun 2025, the value is 0.14 Cr.. The value appears to be declining and may need further review. It has decreased from 0.52 Cr. (Mar 2025) to 0.14 Cr., marking a decrease of 0.38 Cr..
  • For EPS in Rs, as of Jun 2025, the value is 0.31. The value appears to be declining and may need further review. It has decreased from 1.16 (Mar 2025) to 0.31, marking a decrease of 0.85.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: July 23, 2025, 10:48 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Sales 0.000.050.180.672.750.965.431.274.485.867.582.501.99
Expenses 0.320.220.330.450.370.420.450.360.420.380.460.560.56
Operating Profit -0.32-0.17-0.150.222.380.544.980.914.065.487.121.941.43
OPM % -340.00%-83.33%32.84%86.55%56.25%91.71%71.65%90.62%93.52%93.93%77.60%71.86%
Other Income 0.110.160.170.050.000.000.000.010.000.000.001.230.23
Interest 0.020.000.000.000.000.000.000.000.000.000.000.000.00
Depreciation 0.010.000.000.000.000.000.000.000.000.000.000.000.00
Profit before tax -0.24-0.010.020.272.380.544.980.924.065.487.123.171.66
Tax % -8.33%300.00%50.00%29.63%1.26%12.96%0.60%25.00%8.87%14.42%11.38%11.99%
Net Profit -0.21-0.040.010.182.340.474.950.693.694.686.322.801.29
EPS in Rs -0.47-0.090.020.405.201.0410.991.538.2010.4014.046.222.87
Dividend Payout % 0.00%0.00%0.00%0.00%19.23%95.74%0.00%65.22%48.78%48.08%42.72%16.07%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)80.95%125.00%1700.00%1200.00%-79.91%953.19%-86.06%434.78%26.83%35.04%-55.70%
Change in YoY Net Profit Growth (%)0.00%44.05%1575.00%-500.00%-1279.91%1033.11%-1039.25%520.84%-407.95%8.21%-90.74%

Morarka Finance 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:48%
5 Years:-14%
3 Years:-18%
TTM:-39%
Compounded Profit Growth
10 Years:53%
5 Years:-11%
3 Years:-9%
TTM:-59%
Stock Price CAGR
10 Years:35%
5 Years:35%
3 Years:-9%
1 Year:-37%
Return on Equity
10 Years:3%
5 Years:2%
3 Years:3%
Last Year:2%

Last Updated: Unknown

Balance Sheet

Last Updated: July 25, 2025, 1:01 pm

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Equity Capital 4.504.504.504.504.504.504.504.504.504.504.504.50
Reserves 4.574.534.544.727.066.9811.9368.72264.83185.47158.3690.79
Borrowings 0.000.000.000.000.000.000.000.000.000.000.000.00
Other Liabilities 0.050.060.040.070.070.110.080.210.530.921.040.90
Total Liabilities 9.129.099.089.2911.6311.5916.5173.43269.86190.89163.9096.19
Fixed Assets 0.090.090.080.080.070.070.070.060.060.060.050.05
CWIP 0.000.000.000.000.000.000.000.000.000.000.000.00
Investments 8.618.618.618.8811.1111.0913.7972.86269.00189.81162.9295.23
Other Assets 0.420.390.390.330.450.432.650.510.801.020.930.91
Total Assets 9.129.099.089.2911.6311.5916.5173.43269.86190.89163.9096.19

Below is a detailed analysis of the balance sheet data for Morarka Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:

  • For Equity Capital, as of Mar 2025, the value is 4.50 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 4.50 Cr..
  • For Reserves, as of Mar 2025, the value is 90.79 Cr.. The value appears to be declining and may need further review. It has decreased from 158.36 Cr. (Mar 2024) to 90.79 Cr., marking a decrease of 67.57 Cr..
  • For Borrowings, as of Mar 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 2024) which recorded 0.00 Cr..
  • For Other Liabilities, as of Mar 2025, the value is 0.90 Cr.. The value appears to be improving (decreasing). It has decreased from 1.04 Cr. (Mar 2024) to 0.90 Cr., marking a decrease of 0.14 Cr..
  • For Total Liabilities, as of Mar 2025, the value is 96.19 Cr.. The value appears to be improving (decreasing). It has decreased from 163.90 Cr. (Mar 2024) to 96.19 Cr., marking a decrease of 67.71 Cr..
  • For Fixed Assets, as of Mar 2025, the value is 0.05 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.05 Cr..
  • For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
  • For Investments, as of Mar 2025, the value is 95.23 Cr.. The value appears to be declining and may need further review. It has decreased from 162.92 Cr. (Mar 2024) to 95.23 Cr., marking a decrease of 67.69 Cr..
  • For Other Assets, as of Mar 2025, the value is 0.91 Cr.. The value appears to be declining and may need further review. It has decreased from 0.93 Cr. (Mar 2024) to 0.91 Cr., marking a decrease of 0.02 Cr..
  • For Total Assets, as of Mar 2025, the value is 96.19 Cr.. The value appears to be declining and may need further review. It has decreased from 163.90 Cr. (Mar 2024) to 96.19 Cr., marking a decrease of 67.71 Cr..

Notably, the Reserves (90.79 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.

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity +-0.23-0.010.000.262.300.07-0.09-5.48-0.16-0.55-0.503.21
Cash from Investing Activity +0.510.000.00-0.27-2.230.472.373.240.702.262.69-0.54
Cash from Financing Activity +-0.270.000.000.000.00-0.540.000.00-0.45-1.80-2.25-2.70
Net Cash Flow0.01-0.010.00-0.010.060.002.28-2.240.08-0.09-0.06-0.03

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-0.32-0.17-0.150.222.380.544.980.914.065.487.121.94

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 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days0.000.000.000.000.000.000.000.000.000.000.00
Inventory Days5,840.00
Days Payable0.00
Cash Conversion Cycle0.000.000.000.000.000.000.000.000.000.000.00
Working Capital Days1,095.00344.7292.6143.8091.2516.8057.4813.8510.5913.00-78.84
ROCE %-2.36%-0.11%0.22%2.96%22.91%4.69%35.69%2.05%2.37%2.39%4.04%2.46%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthJun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
Promoters65.88%65.98%65.98%66.16%66.77%66.77%66.77%66.77%66.77%66.77%66.77%66.77%
Public34.12%34.01%34.01%33.83%33.21%33.22%33.21%33.21%33.22%33.22%33.22%33.21%
No. of Shareholders2,5423,0452,9552,8912,8523,0893,1743,1793,2794,0954,1544,227

Shareholding Pattern Chart

No. of Shareholders

This stock is not held by any mutual fund.

ROCE / ROE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 6.2214.0310.408.201.52
Diluted EPS (Rs.) 6.2214.0310.408.201.52
Cash EPS (Rs.) 6.2214.0410.408.211.53
Book Value[Excl.RevalReserv]/Share (Rs.) 211.65361.74421.96598.23162.63
Book Value[Incl.RevalReserv]/Share (Rs.) 211.65361.74421.96598.23162.63
Dividend / Share (Rs.) 1.006.005.004.001.00
Revenue From Operations / Share (Rs.) 5.5516.8513.019.962.81
PBDIT / Share (Rs.) 7.0515.8212.169.012.05
PBIT / Share (Rs.) 7.0415.8112.169.002.04
PBT / Share (Rs.) 7.0415.8112.169.002.04
Net Profit / Share (Rs.) 6.2114.0310.408.201.52
PBDIT Margin (%) 126.8493.9093.4790.4772.83
PBIT Margin (%) 126.7393.8693.4290.4072.56
PBT Margin (%) 126.7393.8693.4290.4072.56
Net Profit Margin (%) 111.8783.2779.8982.3754.15
Return on Networth / Equity (%) 2.933.872.461.370.93
Return on Capital Employeed (%) 3.294.342.861.501.25
Return On Assets (%) 2.903.852.451.360.93
Asset Turnover Ratio (%) 0.010.040.020.020.02
Current Ratio (X) 21693.05181301.78135791.86269365.9093947.72
Quick Ratio (X) 21645.64181069.67135650.00269194.1093743.94
Dividend Payout Ratio (NP) (%) 0.0035.6438.4712.190.00
Dividend Payout Ratio (CP) (%) 0.0035.6238.4412.180.00
Earning Retention Ratio (%) 0.0064.3661.5387.810.00
Cash Earning Retention Ratio (%) 0.0064.3861.5687.820.00
Enterprise Value (Cr.) 45.9566.4447.6146.1414.39
EV / Net Operating Revenue (X) 18.378.768.1310.2911.38
EV / EBITDA (X) 14.489.338.6911.3815.62
MarketCap / Net Operating Revenue (X) 18.388.768.1410.3311.46
Retention Ratios (%) 0.0064.3561.5287.800.00
Price / BV (X) 0.480.400.250.170.19
Price / Net Operating Revenue (X) 18.388.768.1410.3411.46
EarningsYield 0.060.090.090.070.04

After reviewing the key financial ratios for Morarka 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 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
  • For Basic EPS (Rs.), as of Mar 25, the value is 6.22. This value is within the healthy range. It has decreased from 14.03 (Mar 24) to 6.22, marking a decrease of 7.81.
  • For Diluted EPS (Rs.), as of Mar 25, the value is 6.22. This value is within the healthy range. It has decreased from 14.03 (Mar 24) to 6.22, marking a decrease of 7.81.
  • For Cash EPS (Rs.), as of Mar 25, the value is 6.22. This value is within the healthy range. It has decreased from 14.04 (Mar 24) to 6.22, marking a decrease of 7.82.
  • For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 211.65. It has decreased from 361.74 (Mar 24) to 211.65, marking a decrease of 150.09.
  • For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 211.65. It has decreased from 361.74 (Mar 24) to 211.65, marking a decrease of 150.09.
  • For Dividend / Share (Rs.), as of Mar 25, the value is 1.00. This value is within the healthy range. It has decreased from 6.00 (Mar 24) to 1.00, marking a decrease of 5.00.
  • For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 5.55. It has decreased from 16.85 (Mar 24) to 5.55, marking a decrease of 11.30.
  • For PBDIT / Share (Rs.), as of Mar 25, the value is 7.05. This value is within the healthy range. It has decreased from 15.82 (Mar 24) to 7.05, marking a decrease of 8.77.
  • For PBIT / Share (Rs.), as of Mar 25, the value is 7.04. This value is within the healthy range. It has decreased from 15.81 (Mar 24) to 7.04, marking a decrease of 8.77.
  • For PBT / Share (Rs.), as of Mar 25, the value is 7.04. This value is within the healthy range. It has decreased from 15.81 (Mar 24) to 7.04, marking a decrease of 8.77.
  • For Net Profit / Share (Rs.), as of Mar 25, the value is 6.21. This value is within the healthy range. It has decreased from 14.03 (Mar 24) to 6.21, marking a decrease of 7.82.
  • For PBDIT Margin (%), as of Mar 25, the value is 126.84. This value is within the healthy range. It has increased from 93.90 (Mar 24) to 126.84, marking an increase of 32.94.
  • For PBIT Margin (%), as of Mar 25, the value is 126.73. This value exceeds the healthy maximum of 20. It has increased from 93.86 (Mar 24) to 126.73, marking an increase of 32.87.
  • For PBT Margin (%), as of Mar 25, the value is 126.73. This value is within the healthy range. It has increased from 93.86 (Mar 24) to 126.73, marking an increase of 32.87.
  • For Net Profit Margin (%), as of Mar 25, the value is 111.87. This value exceeds the healthy maximum of 10. It has increased from 83.27 (Mar 24) to 111.87, marking an increase of 28.60.
  • For Return on Networth / Equity (%), as of Mar 25, the value is 2.93. This value is below the healthy minimum of 15. It has decreased from 3.87 (Mar 24) to 2.93, marking a decrease of 0.94.
  • For Return on Capital Employeed (%), as of Mar 25, the value is 3.29. This value is below the healthy minimum of 10. It has decreased from 4.34 (Mar 24) to 3.29, marking a decrease of 1.05.
  • For Return On Assets (%), as of Mar 25, the value is 2.90. This value is below the healthy minimum of 5. It has decreased from 3.85 (Mar 24) to 2.90, marking a decrease of 0.95.
  • For Asset Turnover Ratio (%), as of Mar 25, the value is 0.01. It has decreased from 0.04 (Mar 24) to 0.01, marking a decrease of 0.03.
  • For Current Ratio (X), as of Mar 25, the value is 21,693.05. This value exceeds the healthy maximum of 3. It has decreased from 181,301.78 (Mar 24) to 21,693.05, marking a decrease of 159,608.73.
  • For Quick Ratio (X), as of Mar 25, the value is 21,645.64. This value exceeds the healthy maximum of 2. It has decreased from 181,069.67 (Mar 24) to 21,645.64, marking a decrease of 159,424.03.
  • For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 35.64 (Mar 24) to 0.00, marking a decrease of 35.64.
  • For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 35.62 (Mar 24) to 0.00, marking a decrease of 35.62.
  • For Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 64.36 (Mar 24) to 0.00, marking a decrease of 64.36.
  • For Cash Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 64.38 (Mar 24) to 0.00, marking a decrease of 64.38.
  • For Enterprise Value (Cr.), as of Mar 25, the value is 45.95. It has decreased from 66.44 (Mar 24) to 45.95, marking a decrease of 20.49.
  • For EV / Net Operating Revenue (X), as of Mar 25, the value is 18.37. This value exceeds the healthy maximum of 3. It has increased from 8.76 (Mar 24) to 18.37, marking an increase of 9.61.
  • For EV / EBITDA (X), as of Mar 25, the value is 14.48. This value is within the healthy range. It has increased from 9.33 (Mar 24) to 14.48, marking an increase of 5.15.
  • For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 18.38. This value exceeds the healthy maximum of 3. It has increased from 8.76 (Mar 24) to 18.38, marking an increase of 9.62.
  • For Retention Ratios (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 30. It has decreased from 64.35 (Mar 24) to 0.00, marking a decrease of 64.35.
  • For Price / BV (X), as of Mar 25, the value is 0.48. This value is below the healthy minimum of 1. It has increased from 0.40 (Mar 24) to 0.48, marking an increase of 0.08.
  • For Price / Net Operating Revenue (X), as of Mar 25, the value is 18.38. This value exceeds the healthy maximum of 3. It has increased from 8.76 (Mar 24) to 18.38, marking an increase of 9.62.
  • For EarningsYield, as of Mar 25, the value is 0.06. This value is below the healthy minimum of 5. It has decreased from 0.09 (Mar 24) to 0.06, marking a decrease of 0.03.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Morarka Finance Ltd as of August 8, 2025 is: 150.87

Calculation basis:

  • Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of August 8, 2025, Morarka Finance Ltd is Undervalued by 34.71% compared to the current share price 112.00

Intrinsic Value of Morarka Finance Ltd as of August 8, 2025 is: 122.30

Calculation basis:

  • Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
  • EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of August 8, 2025, Morarka Finance Ltd is Undervalued by 9.20% compared to the current share price 112.00

Last 5 Year EPS CAGR: -18.94%

*Investments are subject to market risks

Strength and Weakness

StrengthWeakness
  1. The stock has a low average Cash Conversion Cycle of 0.00, which is a positive sign.
  2. The company has higher reserves (67.71 cr) compared to borrowings (0.00 cr), indicating strong financial stability.
  3. The company has shown consistent growth in sales (2.59 cr) and profit (2.33 cr) over the years.
  1. The stock has a low average ROCE of 6.44%, which may not be favorable.
  2. The stock has a high average Working Capital Days of 50.52, which may not be favorable.

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 Morarka Finance Ltd:
    1. Net Profit Margin: 111.87%
      • 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.
    2. ROCE: 3.29% (Industry Average ROCE: 15.73%)
      • 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.
    3. ROE%: 2.93% (Industry Average ROE: 8.87%)
      • ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
    4. Interest Coverage Ratio (Post Tax): 0
      • 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.
    5. Quick Ratio: 21645.64
      • 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.
    6. Stock P/E: 38.9 (Industry average Stock P/E: 77.69)
      • 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.
    7. 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.
    The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
    Stock Rating:

About the Company - Qualitative Analysis

Morarka Finance Ltd. is a Public Limited Listed company incorporated on 15/03/1985 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L67120MH1985PLC035632 and registration number is 035632. Currently Company is involved in the business activities of Other financial service activities, except insurance and pension funding activities. Company's Total Operating Revenue is Rs. 2.50 Cr. and Equity Capital is Rs. 4.50 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)511, Maker Chambers V, Mumbai Maharashtra 400021investors@morarkafinance.in
http://www.morarkafinance.in
Management
NamePosition Held
Ms. Priyanka G MorarkaDirector
Mr. B J MaheshwariDirector
Mr. Vijay S BankaDirector
Mr. G R MorarkaDirector
Ms. K Savitha RaoDirector
Mr. S H NevatiaDirector
Mr. K N PrithvirajDirector
Ms. Nina ChatrathDirector
Ms. Divya RaoDirector

FAQ

What is the intrinsic value of Morarka Finance Ltd?

Morarka Finance Ltd's intrinsic value (as of 07 August 2025) is ₹150.87 which is 34.71% higher the current market price of 112.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 50.2 Cr. market cap, FY2025-2026 high/low of 191/95.0, reserves of 90.79 Cr, and liabilities of 96.19 Cr.

What is the Market Cap of Morarka Finance Ltd?

The Market Cap of Morarka Finance Ltd is 50.2 Cr..

What is the current Stock Price of Morarka Finance Ltd as on 07 August 2025?

The current stock price of Morarka Finance Ltd as on 07 August 2025 is 112.

What is the High / Low of Morarka Finance Ltd stocks in FY 2025-2026?

In FY 2025-2026, the High / Low of Morarka Finance Ltd stocks is 191/95.0.

What is the Stock P/E of Morarka Finance Ltd?

The Stock P/E of Morarka Finance Ltd is 38.9.

What is the Book Value of Morarka Finance Ltd?

The Book Value of Morarka Finance Ltd is 212.

What is the Dividend Yield of Morarka Finance Ltd?

The Dividend Yield of Morarka Finance Ltd is 5.38 %.

What is the ROCE of Morarka Finance Ltd?

The ROCE of Morarka Finance Ltd is 2.46 %.

What is the ROE of Morarka Finance Ltd?

The ROE of Morarka Finance Ltd is 2.17 %.

What is the Face Value of Morarka Finance Ltd?

The Face Value of Morarka Finance Ltd is 10.0.

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 Morarka 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