Kreon Finnancial Services Ltd

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Kreon Finnancial Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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Kreon Finnancial Services Ltd

₹ 102 2.98%
13 Nov - close price
kreon.in BSE: 530139
About

Incorporated in 1994, Kreon Finnancial Services Ltd is in the business of retail loan lending.[1]

Key Points

Business Overview:[1][2]
KFSL is registered as a Non-Systematic
Important Non-Deposit Taking Non-Banking
Financial Company and classified as an Investment and Credit Company (NBFC-ICC). It operates through two segments:
a) Commercial Lending
b) Digital Lending

Website BSE
  • Market Cap ₹ 206 Cr.
  • Current Price ₹ 102
  • High / Low ₹ 104 / 23.9
  • Stock P/E 20.0
  • Book Value ₹ 22.4
  • Dividend Yield 0.00 %
  • ROCE 18.6 %
  • ROE 21.7 %
  • Face Value ₹ 10.0
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Pros

  • Company is expected to give good quarter

Cons

  • Stock is trading at 4.54 times its book value
  • Company has a low return on equity of 3.91% over last 3 years.
  • Earnings include an other income of Rs.5.62 Cr.

* 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

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
3.63 4.35 4.59 4.80 5.91 6.45 7.21 10.21 9.78 9.94 10.13 14.79 14.58
Interest 0.12 0.12 0.59 0.61 0.67 0.78 0.77 0.79 0.73 0.61 0.49 0.69 0.68
1.93 6.18 3.84 4.58 5.07 10.33 8.17 6.06 6.72 8.45 10.24 9.45 9.66
Financing Profit 1.58 -1.95 0.16 -0.39 0.17 -4.66 -1.73 3.36 2.33 0.88 -0.60 4.65 4.24
Financing Margin % 43.53% -44.83% 3.49% -8.12% 2.88% -72.25% -23.99% 32.91% 23.82% 8.85% -5.92% 31.44% 29.08%
0.05 0.15 0.33 0.72 0.50 0.89 1.21 1.67 0.70 0.68 1.62 1.01 2.31
Depreciation 0.17 0.17 0.20 0.18 0.19 0.20 0.23 0.18 0.18 0.18 0.20 0.26 0.28
Profit before tax 1.46 -1.97 0.29 0.15 0.48 -3.97 -0.75 4.85 2.85 1.38 0.82 5.40 6.27
Tax % 25.34% -25.38% 58.62% -40.00% 68.75% -6.30% 5.33% 22.27% 28.07% 23.19% 56.10% 18.33% 28.87%
1.10 -1.47 0.12 0.21 0.16 -3.72 -0.79 3.77 2.05 1.07 0.36 4.41 4.46
EPS in Rs 0.54 -0.73 0.06 0.10 0.08 -1.84 -0.39 1.86 1.01 0.53 0.18 2.18 2.21
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
1 1 1 1 1 1 2 4 10 16 27 43 49
Interest 0 0 0 0 0 0 0 0 1 1 3 3 2
1 1 1 0 3 5 2 2 5 14 27 30 38
Financing Profit -0 0 -0 0 -3 -4 -0 2 4 2 -3 10 9
Financing Margin % -11% 3% -45% 38% -320% -396% -27% 44% 46% 10% -13% 24% 19%
0 0 0 -4 3 0 0 0 0 0 0 0 6
Depreciation 0 0 0 0 0 0 0 0 1 1 1 1 1
Profit before tax -0 0 -0 -4 0 -4 -1 2 4 1 -4 10 14
Tax % 0% 0% 0% 2% 15% 0% -11% 0% -15% 35% 2% 27%
-0 0 -0 -4 0 -4 -0 2 5 1 -4 7 10
EPS in Rs -0.14 0.02 -0.23 -3.71 0.23 -4.27 -0.48 1.98 3.36 0.31 -2.05 3.59 5.10
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 50%
5 Years: 91%
3 Years: 65%
TTM: 47%
Compounded Profit Growth
10 Years: 80%
5 Years: 76%
3 Years: 17%
TTM: 686%
Stock Price CAGR
10 Years: 30%
5 Years: 16%
3 Years: 37%
1 Year: 180%
Return on Equity
10 Years: 4%
5 Years: 9%
3 Years: 4%
Last Year: 22%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 Sep 2026
Equity Capital 10 10 10 10 10 10 10 11 14 20 20 20 20
Reserves 2 2 0 -4 -4 -8 -8 2 7 13 11 16 25
Borrowing 0 1 1 2 3 8 8 7 10 28 32 36 31
0 0 0 1 1 1 0 1 1 3 4 4 6
Total Liabilities 12 14 11 9 10 10 10 21 31 63 66 77 82
0 0 0 0 0 0 0 0 3 3 3 4 4
CWIP 0 0 0 0 0 0 0 2 0 0 0 0 0
Investments 3 6 1 1 0 0 1 4 1 10 11 11 15
10 8 11 8 9 10 8 15 26 50 52 61 63
Total Assets 12 14 11 9 10 10 10 21 31 63 66 77 82

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-0 0 0 -3 0 -5 1 -4 -6 -1 -2 -6
0 0 0 2 -0 -0 -0 -1 -1 -25 -1 7
0 0 -0 1 1 4 -0 5 7 28 1 0
Net Cash Flow -0 0 0 0 1 -0 1 0 -0 2 -2 1
Free Cash Flow -0 0 0 -3 0 -5 1 -5 -7 -2 -3 -8

Ratios

Standalone / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % -1% 0% -2% 3% 4% -105% -25% 28% 27% 2% -13% 22%

Insights

In beta
Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Gross NPA (GNPA) %
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New Users Added (Annual)
Count
Number of College Tie-ups
Count
StuCred Active Users
Count
Total Disbursements through StuCred (Cumulative, 5 years)
INR Lakhs
Total Users at StuCred App (Cumulative)
Count

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Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
55.60% 55.60% 55.60% 55.60% 55.60% 55.60% 55.60% 55.60% 55.60% 55.60% 60.53% 60.53%
44.40% 44.41% 44.40% 44.41% 44.41% 44.40% 44.41% 44.40% 44.40% 44.41% 39.47% 39.46%
No. of Shareholders 3,3903,5433,5233,5643,6083,6403,6703,7833,7373,7783,6423,566

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