Kreon Finnancial Services Ltd

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

Kreon Finnancial Services Ltd

₹ 47.6 -2.00%
14 Aug - 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 ₹ 96.3 Cr.
  • Current Price ₹ 47.6
  • High / Low ₹ 55.0 / 17.8
  • Stock P/E
  • Book Value ₹ 15.3
  • Dividend Yield 0.00 %
  • ROCE -2.17 %
  • ROE -13.3 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Company is expected to give good quarter

Cons

  • Stock is trading at 3.11 times its book value
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 1.26% over last 3 years.
  • Earnings include an other income of Rs.4.27 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

Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
1.86 2.28 2.63 2.65 3.26 3.63 4.35 4.59 4.80 5.91 6.45 7.21 10.21
0.69 1.14 1.33 1.40 1.82 1.93 6.18 3.84 4.58 5.07 10.33 8.17 6.06
Operating Profit 1.17 1.14 1.30 1.25 1.44 1.70 -1.83 0.75 0.22 0.84 -3.88 -0.96 4.15
OPM % 62.90% 50.00% 49.43% 47.17% 44.17% 46.83% -42.07% 16.34% 4.58% 14.21% -60.16% -13.31% 40.65%
0.01 0.06 0.06 0.06 0.04 0.05 0.15 0.33 0.72 0.50 0.89 1.21 1.67
Interest 0.12 0.16 0.14 0.11 0.13 0.12 0.12 0.59 0.61 0.67 0.78 0.77 0.79
Depreciation 0.03 0.14 0.19 0.19 0.16 0.17 0.17 0.20 0.18 0.19 0.20 0.23 0.18
Profit before tax 1.03 0.90 1.03 1.01 1.19 1.46 -1.97 0.29 0.15 0.48 -3.97 -0.75 4.85
Tax % 0.00% 4.44% 5.83% -59.41% 25.21% 25.34% -25.38% 58.62% -40.00% 68.75% -6.30% 5.33% 22.27%
1.04 0.86 0.97 1.62 0.89 1.10 -1.47 0.12 0.21 0.16 -3.72 -0.79 3.77
EPS in Rs 0.98 0.81 0.92 1.19 0.65 0.54 -0.73 0.06 0.10 0.08 -1.84 -0.39 1.86
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

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
0.79 1.26 0.74 0.60 0.97 0.81 1.05 1.72 3.83 9.53 16.37 26.53 29.78
0.72 1.40 0.69 0.77 0.45 3.13 4.78 1.85 1.75 4.55 13.74 27.08 29.63
Operating Profit 0.07 -0.14 0.05 -0.17 0.52 -2.32 -3.73 -0.13 2.08 4.98 2.63 -0.55 0.15
OPM % 8.86% -11.11% 6.76% -28.33% 53.61% -286.42% -355.24% -7.56% 54.31% 52.26% 16.07% -2.07% 0.50%
0.00 0.00 0.00 0.07 -3.96 3.00 0.00 0.00 0.46 0.09 0.00 0.11 4.27
Interest 0.00 0.00 0.03 0.10 0.15 0.27 0.43 0.34 0.39 0.55 0.96 2.84 3.01
Depreciation 0.00 0.00 0.00 0.03 0.08 0.14 0.12 0.07 0.05 0.54 0.71 0.79 0.80
Profit before tax 0.07 -0.14 0.02 -0.23 -3.67 0.27 -4.28 -0.54 2.10 3.98 0.96 -4.07 0.61
Tax % 0.00% 0.00% 0.00% 0.00% 1.63% 14.81% 0.23% -11.11% 0.00% -15.08% 35.42% 1.72%
0.07 -0.14 0.02 -0.23 -3.73 0.23 -4.30 -0.48 2.10 4.58 0.62 -4.14 -0.58
EPS in Rs 0.07 -0.14 0.02 -0.23 -3.71 0.23 -4.27 -0.48 1.98 3.36 0.31 -2.05 -0.29
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: 36%
5 Years: 91%
3 Years: 91%
TTM: 71%
Compounded Profit Growth
10 Years: %
5 Years: 0%
3 Years: %
TTM: -1350%
Stock Price CAGR
10 Years: 17%
5 Years: 53%
3 Years: -13%
1 Year: 31%
Return on Equity
10 Years: -1%
5 Years: 3%
3 Years: 1%
Last Year: -13%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 10.06 10.06 10.06 10.06 10.06 10.06 10.06 10.06 10.59 13.62 20.22 20.22
Reserves 2.40 2.26 2.28 0.05 -3.68 -3.76 -8.19 -8.13 2.45 7.20 12.66 10.73
0.00 0.00 1.30 1.00 2.33 3.02 7.66 7.51 6.89 9.55 27.97 31.66
0.09 0.08 0.10 0.29 0.52 0.51 0.57 0.49 0.73 0.56 2.53 3.61
Total Liabilities 12.55 12.40 13.74 11.40 9.23 9.83 10.10 9.93 20.66 30.93 63.38 66.22
0.00 0.00 0.00 0.12 0.20 0.24 0.19 0.12 0.12 3.47 3.48 3.07
CWIP 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.33 1.50 0.00 0.00 0.24
Investments 2.60 2.60 5.75 0.68 0.91 0.48 0.41 1.07 4.32 1.24 10.34 11.33
9.95 9.80 7.99 10.60 8.12 9.11 9.50 8.41 14.72 26.22 49.56 51.58
Total Assets 12.55 12.40 13.74 11.40 9.23 9.83 10.10 9.93 20.66 30.93 63.38 66.22

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-2.34 -0.20 0.01 0.26 -3.37 0.33 -4.55 1.11 -3.78 -5.76 -1.27 -2.29
2.48 0.00 0.00 0.00 2.19 -0.18 -0.06 -0.33 -1.22 -0.99 -25.12 -0.68
0.00 0.00 0.00 -0.15 1.18 0.72 4.25 -0.13 5.10 6.74 28.01 1.15
Net Cash Flow 0.14 -0.20 0.01 0.10 0.00 0.87 -0.37 0.65 0.11 -0.01 1.61 -1.82

Ratios

Standalone Figures in Rs. Crores / View Consolidated

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 184.81 63.73 636.28 18.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Inventory Days
Days Payable
Cash Conversion Cycle 184.81 63.73 636.28 18.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Working Capital Days 254.11 110.08 774.39 42.58 -184.38 -54.07 -66.05 -16.98 -10.48 -13.41 -29.43 -41.00
ROCE % 0.56% -1.13% 0.39% -1.05% 4.44% 5.99% -40.85% -2.11% 16.96% 18.01% 4.21% -2.17%

Shareholding Pattern

Numbers in percentages

Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
48.24% 48.24% 50.60% 50.60% 55.60% 55.60% 55.60% 55.60% 55.60% 55.60% 55.60% 55.60%
51.76% 51.76% 49.41% 49.41% 44.41% 44.40% 44.41% 44.40% 44.41% 44.41% 44.40% 44.41%
No. of Shareholders 3,0933,1183,1653,2773,2683,3903,5433,5233,5643,6083,6403,670

Documents

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