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 ₹ 58.8 Cr.
- Current Price ₹ 29.1
- High / Low ₹ 68.5 / 28.3
- Stock P/E
- Book Value ₹ 18.0
- Dividend Yield 0.00 %
- ROCE 4.48 %
- ROE 2.31 %
- Face Value ₹ 10.0
Pros
- Company is expected to give good quarter
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- Earnings include an other income of Rs.1.70 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
Sector: Finance Industry: Finance & Investments
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
13.05 | 0.79 | 1.26 | 0.74 | 0.60 | 0.97 | 0.81 | 1.05 | 1.72 | 3.83 | 9.53 | 16.17 | 19.65 | |
12.75 | 0.72 | 1.40 | 0.69 | 0.77 | 0.45 | 3.13 | 4.78 | 1.85 | 1.75 | 4.55 | 13.59 | 19.67 | |
Operating Profit | 0.30 | 0.07 | -0.14 | 0.05 | -0.17 | 0.52 | -2.32 | -3.73 | -0.13 | 2.08 | 4.98 | 2.58 | -0.02 |
OPM % | 2.30% | 8.86% | -11.11% | 6.76% | -28.33% | 53.61% | -286.42% | -355.24% | -7.56% | 54.31% | 52.26% | 15.96% | -0.10% |
0.00 | 0.00 | 0.00 | 0.00 | 0.07 | -3.96 | 3.00 | 0.00 | 0.00 | 0.46 | 0.09 | 0.20 | 1.70 | |
Interest | 0.05 | 0.00 | 0.00 | 0.03 | 0.10 | 0.15 | 0.27 | 0.43 | 0.34 | 0.39 | 0.55 | 1.11 | 1.99 |
Depreciation | 0.03 | 0.00 | 0.00 | 0.00 | 0.03 | 0.08 | 0.14 | 0.12 | 0.07 | 0.05 | 0.54 | 0.71 | 0.74 |
Profit before tax | 0.22 | 0.07 | -0.14 | 0.02 | -0.23 | -3.67 | 0.27 | -4.28 | -0.54 | 2.10 | 3.98 | 0.96 | -1.05 |
Tax % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.63% | 14.81% | 0.23% | -11.11% | 0.00% | -15.08% | 35.42% | |
0.22 | 0.07 | -0.14 | 0.02 | -0.23 | -3.73 | 0.23 | -4.30 | -0.48 | 2.10 | 4.58 | 0.62 | -0.98 | |
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 | 0.31 | -0.49 |
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: | 35% |
5 Years: | 82% |
3 Years: | 111% |
TTM: | 61% |
Compounded Profit Growth | |
---|---|
10 Years: | 24% |
5 Years: | 22% |
3 Years: | 49% |
TTM: | -121% |
Stock Price CAGR | |
---|---|
10 Years: | 8% |
5 Years: | 36% |
3 Years: | -11% |
1 Year: | -35% |
Return on Equity | |
---|---|
10 Years: | 2% |
5 Years: | 4% |
3 Years: | 14% |
Last Year: | 2% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Sep 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 10.06 | 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 | 2.34 | 2.40 | 2.26 | 2.28 | 0.05 | -3.68 | -3.76 | -8.19 | -8.13 | 2.45 | 7.20 | 12.66 | 16.26 |
0.00 | 0.00 | 0.00 | 1.30 | 1.00 | 2.33 | 3.02 | 7.66 | 7.51 | 6.89 | 9.55 | 29.18 | 32.40 | |
0.61 | 0.09 | 0.08 | 0.10 | 0.29 | 0.52 | 0.51 | 0.57 | 0.49 | 0.73 | 0.56 | 1.32 | 1.11 | |
Total Liabilities | 13.01 | 12.55 | 12.40 | 13.74 | 11.40 | 9.23 | 9.83 | 10.10 | 9.93 | 20.66 | 30.93 | 63.38 | 69.99 |
0.00 | 0.00 | 0.00 | 0.00 | 0.12 | 0.20 | 0.24 | 0.19 | 0.12 | 0.12 | 3.47 | 3.48 | 3.28 | |
CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.33 | 1.50 | 0.00 | 0.00 | 0.00 |
Investments | 5.08 | 2.60 | 2.60 | 5.75 | 0.68 | 0.91 | 0.48 | 0.41 | 1.07 | 4.32 | 1.24 | 10.34 | 13.24 |
7.93 | 9.95 | 9.80 | 7.99 | 10.60 | 8.12 | 9.11 | 9.50 | 8.41 | 14.72 | 26.22 | 49.56 | 53.47 | |
Total Assets | 13.01 | 12.55 | 12.40 | 13.74 | 11.40 | 9.23 | 9.83 | 10.10 | 9.93 | 20.66 | 30.93 | 63.38 | 69.99 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-1.98 | -2.34 | -0.20 | 0.01 | 0.26 | -3.37 | 0.33 | -4.55 | 1.11 | -3.78 | -5.76 | -1.27 | |
-1.26 | 2.48 | 0.00 | 0.00 | 0.00 | 2.19 | -0.18 | -0.06 | -0.33 | -1.22 | -0.99 | -25.12 | |
3.26 | 0.00 | 0.00 | 0.00 | -0.15 | 1.18 | 0.72 | 4.25 | -0.13 | 5.10 | 6.74 | 28.01 | |
Net Cash Flow | 0.02 | 0.14 | -0.20 | 0.01 | 0.10 | 0.00 | 0.87 | -0.37 | 0.65 | 0.11 | -0.01 | 1.61 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | 73.28 | 184.81 | 63.73 | 636.28 | 18.25 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Inventory Days | 0.00 | |||||||||||
Days Payable | ||||||||||||
Cash Conversion Cycle | 73.28 | 184.81 | 63.73 | 636.28 | 18.25 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Working Capital Days | 65.73 | 254.11 | 110.08 | 774.39 | 42.58 | -184.38 | -54.07 | -66.05 | -16.98 | -10.48 | -13.41 | -2.48 |
ROCE % | 2.53% | 0.56% | -1.13% | 0.39% | -1.05% | 4.44% | 5.99% | -40.85% | -2.11% | 16.96% | 18.01% | 4.48% |
Documents
Announcements
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Announcement Under Regulation 30 (LODR) - Business Update
11 Nov - Business update and financial results for FY25 Q2.
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Unaudited Financial Results For The Quarter Ended 30.09.2024
6 Nov - Board approved unaudited financial results for Q2 FY2025.
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Board Meeting Outcome for Outcome
6 Nov - Board approved unaudited financial results for Q2 FY2025.
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Board Meeting Intimation for Meeting On 6Th November 2024
4 Nov - Board meeting scheduled to discuss financial results.
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Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
14 Oct - Certificate under Reg 74(5)n issued by RTA enclosed herewith
Annual reports
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Financial Year 2024
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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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Financial Year 2010
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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