Kreon Finnancial Services Ltd
Incorporated in 1994, Kreon Finnancial Services Limited is an NBFC which provides investing in long term and short-term projects, securities, debt related instruments, etc.
- Market Cap ₹ 92.4 Cr.
- Current Price ₹ 45.7
- High / Low ₹ 69.0 / 32.8
- Stock P/E 43.2
- Book Value ₹ 17.0
- Dividend Yield 0.00 %
- ROCE 22.2 %
- ROE 37.6 %
- Face Value ₹ 10.0
Pros
- Company has a good return on equity (ROE) track record: 3 Years ROE 32.5%
Cons
- Stock is trading at 2.63 times its book value
- Though the company is reporting repeated profits, it is not paying out dividend
- Tax rate seems low
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Finance Industry: Finance & Investments
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
0.58 | 13.05 | 0.79 | 1.26 | 0.74 | 0.60 | 0.97 | 0.81 | 1.05 | 1.72 | 3.83 | 9.53 | 13.89 | |
0.50 | 12.75 | 0.72 | 1.40 | 0.69 | 0.77 | 0.45 | 3.13 | 4.78 | 1.85 | 1.75 | 4.55 | 11.33 | |
Operating Profit | 0.08 | 0.30 | 0.07 | -0.14 | 0.05 | -0.17 | 0.52 | -2.32 | -3.73 | -0.13 | 2.08 | 4.98 | 2.56 |
OPM % | 13.79% | 2.30% | 8.86% | -11.11% | 6.76% | -28.33% | 53.61% | -286.42% | -355.24% | -7.56% | 54.31% | 52.26% | 18.43% |
-0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.07 | -3.96 | 3.00 | 0.00 | 0.00 | 0.46 | 0.09 | 0.30 | |
Interest | 0.00 | 0.05 | 0.00 | 0.00 | 0.03 | 0.10 | 0.15 | 0.27 | 0.43 | 0.34 | 0.39 | 0.55 | 0.48 |
Depreciation | 0.03 | 0.03 | 0.00 | 0.00 | 0.00 | 0.03 | 0.08 | 0.14 | 0.12 | 0.07 | 0.05 | 0.54 | 0.69 |
Profit before tax | 0.04 | 0.22 | 0.07 | -0.14 | 0.02 | -0.23 | -3.67 | 0.27 | -4.28 | -0.54 | 2.10 | 3.98 | 1.69 |
Tax % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -1.63% | 14.81% | -0.23% | 11.11% | 0.00% | -15.08% | |
0.04 | 0.22 | 0.07 | -0.14 | 0.02 | -0.23 | -3.73 | 0.23 | -4.30 | -0.48 | 2.10 | 4.58 | 2.14 | |
EPS in Rs | 0.22 | 0.07 | -0.14 | 0.02 | -0.23 | -3.71 | 0.23 | -4.27 | -0.48 | 1.98 | 3.36 | 1.65 | |
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% |
Compounded Sales Growth | |
---|---|
10 Years: | -3% |
5 Years: | 58% |
3 Years: | 109% |
TTM: | 69% |
Compounded Profit Growth | |
---|---|
10 Years: | 35% |
5 Years: | 82% |
3 Years: | 45% |
TTM: | -43% |
Stock Price CAGR | |
---|---|
10 Years: | 14% |
5 Years: | 47% |
3 Years: | 91% |
1 Year: | 18% |
Return on Equity | |
---|---|
10 Years: | 2% |
5 Years: | 7% |
3 Years: | 33% |
Last Year: | 38% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Sep 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 5.02 | 10.06 | 10.06 | 10.06 | 10.06 | 10.06 | 10.06 | 10.06 | 10.06 | 10.06 | 10.59 | 13.62 | 20.22 |
Reserves | -0.57 | 2.34 | 2.40 | 2.26 | 2.28 | 0.05 | -3.68 | -3.76 | -8.19 | -8.13 | -2.54 | 2.66 | 14.25 |
Preference Capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.32 | 0.00 | |
0.00 | 0.00 | 0.00 | 0.00 | 1.30 | 1.00 | 2.33 | 3.02 | 7.66 | 7.51 | 6.57 | 9.55 | 8.96 | |
6.96 | 0.61 | 0.09 | 0.08 | 0.10 | 0.29 | 0.52 | 0.51 | 0.57 | 0.49 | 6.04 | 5.10 | 0.90 | |
Total Liabilities | 11.41 | 13.01 | 12.55 | 12.40 | 13.74 | 11.40 | 9.23 | 9.83 | 10.10 | 9.93 | 20.66 | 30.93 | 44.33 |
0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.12 | 0.20 | 0.24 | 0.19 | 0.12 | 0.12 | 3.47 | 3.18 | |
CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.33 | 1.50 | 0.00 | 0.00 |
Investments | 3.81 | 5.08 | 2.60 | 2.60 | 5.75 | 0.68 | 0.91 | 0.48 | 0.41 | 1.07 | 4.32 | 1.24 | 3.90 |
7.59 | 7.93 | 9.95 | 9.80 | 7.99 | 10.60 | 8.12 | 9.11 | 9.50 | 8.41 | 14.72 | 26.22 | 37.25 | |
Total Assets | 11.41 | 13.01 | 12.55 | 12.40 | 13.74 | 11.40 | 9.23 | 9.83 | 10.10 | 9.93 | 20.66 | 30.93 | 44.33 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-0.39 | -1.98 | -2.34 | -0.20 | 0.01 | 0.26 | -3.37 | 0.33 | -4.55 | 1.11 | -3.78 | -5.76 | |
-1.39 | -1.26 | 2.48 | 0.00 | 0.00 | 0.00 | 2.19 | -0.18 | -0.06 | -0.33 | -1.22 | -0.99 | |
1.68 | 3.26 | 0.00 | 0.00 | 0.00 | -0.15 | 1.18 | 0.72 | 4.25 | -0.13 | 5.10 | 6.74 | |
Net Cash Flow | -0.10 | 0.02 | 0.14 | -0.20 | 0.01 | 0.10 | 0.00 | 0.87 | -0.37 | 0.65 | 0.11 | -0.01 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | 2,460.60 | 73.28 | 184.81 | 63.73 | 636.28 | 18.25 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Inventory Days | 0.00 | |||||||||||
Days Payable | ||||||||||||
Cash Conversion Cycle | 2,460.60 | 73.28 | 184.81 | 63.73 | 636.28 | 18.25 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Working Capital Days | 1,126.47 | 65.73 | 254.11 | 110.08 | 774.39 | 42.58 | -184.38 | -54.07 | -66.05 | -16.98 | -10.48 | -13.41 |
ROCE % | 1.12% | 3.20% | 0.56% | -1.13% | 0.39% | -1.05% | 4.44% | 5.99% | -40.85% | -2.11% | 20.43% | 22.22% |
Documents
Announcements
- Format of the Initial Disclosure to be made by an entity identified as a Large Corporate : Annexure A 25 Apr
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Certificate Under Reg 40(10)
24 Apr - Certificate under Reg 40(10) of SEBI (LODR) Regulations for the year ended 31st March 2024
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Compliance Certificate Under Reg 7(3)
11 Apr - Complaince Certificate under Reg 7(3) of SEBI(LODR) for the period ended 31st March 2024
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Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
11 Apr - Certificate under Regulation 74(5) of SEBI (DP) Regulation issued by RTA for the quarter ended 31st March 2024
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Announcement under Regulation 30 (LODR)-Credit Rating
3 Apr - Regualtion 30 of SEBI (LODR) Regualtions, We wish to inform that, on request of the Company, the Credit Rating Agency, Brickworks Ratings India Private Limited …
Annual reports
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Business Overview:[1][2]
Company is organized in two business segments viz. Commercial Lending Division non-digital lending arm of Kreon, and Digital Lending Division catering to advancement of loans to students via StuCred platform which was developed in 2019 as an internal start-up digital lending app. Company has tie-ups with 2000+colleges Pan-India where it provides unsecured small loans to students of affiliated colleges. Loan size range from Rs.500 to maximum of Rs.10000 and are repayable in 30 days. Company charges an application usage fee which is deducted upfront