Explicit Finance Ltd

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Explicit Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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Explicit Finance Ltd

₹ 7.40 0.00%
18 Sep - close price
explicitfinance.net BSE: 530571
About

ncorporated in 1994, Explicit Finance Ltd is in the business of Finance and Investment activities[1]

Key Points

Business Overview:[1][2][3]
EFL (earlier Shubhyog Finlease Ltd) is a non-systematically important deposit taking non-banking financial company based in Mumbai. It is engaged in secondary capital market activities including Investments, Trading in Securities and Finance activities. Their main business is to grant and obtain loans and invest surplus funds in shares and securities

Website BSE
  • Market Cap ₹ 6.86 Cr.
  • Current Price ₹ 7.40
  • High / Low ₹ 15.9 / 7.09
  • Stock P/E
  • Book Value ₹ 8.52
  • Dividend Yield 0.00 %
  • ROCE -0.13 %
  • ROE -0.13 %
  • Face Value ₹ 10.0
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Pros

  • Company is almost debt free.
  • Stock is trading at 0.87 times its book value

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -13.3% over past five years.
  • Promoter holding is low: 12.1%
  • Company has a low return on equity of 0.04% over last 3 years.

* 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

Services Services Commercial Services & Supplies Diversified Commercial Services

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Quarterly Results

Figures in Rs. Crores

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
0.41 2.69 3.38 2.91 1.42 1.77 1.23 2.36 0.89 0.82 0.89 0.67 0.46
0.47 2.80 3.02 3.09 1.51 1.73 1.15 2.40 0.79 0.93 0.74 0.81 0.39
Operating Profit -0.06 -0.11 0.36 -0.18 -0.09 0.04 0.08 -0.04 0.10 -0.11 0.15 -0.14 0.07
OPM % -14.63% -4.09% 10.65% -6.19% -6.34% 2.26% 6.50% -1.69% 11.24% -13.41% 16.85% -20.90% 15.22%
0.00 0.00 0.00 0.01 0.00 0.00 0.00 0.01 0.00 0.00 0.00 0.00 0.00
Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Profit before tax -0.06 -0.11 0.36 -0.17 -0.09 0.04 0.08 -0.03 0.10 -0.11 0.15 -0.14 0.07
Tax % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
-0.06 -0.11 0.36 -0.18 -0.10 0.04 0.08 -0.03 0.10 -0.11 0.15 -0.15 0.06
EPS in Rs -0.06 -0.12 0.39 -0.19 -0.11 0.04 0.09 -0.03 0.11 -0.12 0.16 -0.16 0.06
Raw PDF

Profit & Loss

Figures in Rs. Crores

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
7.21 5.65 5.55 12.20 4.55 7.19 6.66 12.03 22.86 9.40 6.77 3.27 2.84
7.19 5.62 5.60 12.34 4.73 7.25 6.73 12.55 22.85 9.39 6.79 3.27 2.87
Operating Profit 0.02 0.03 -0.05 -0.14 -0.18 -0.06 -0.07 -0.52 0.01 0.01 -0.02 0.00 -0.03
OPM % 0.28% 0.53% -0.90% -1.15% -3.96% -0.83% -1.05% -4.32% 0.04% 0.11% -0.30% 0.00% -1.06%
0.00 0.00 0.00 0.01 0.10 0.04 0.04 0.25 0.01 0.01 0.02 0.00 0.00
Interest 0.01 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.00 0.00 0.00 0.00
Depreciation 0.01 0.01 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.01 0.00
Profit before tax 0.00 0.00 -0.06 -0.14 -0.08 -0.02 -0.03 -0.27 0.01 0.02 -0.01 -0.01 -0.03
Tax % 500.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
0.00 0.00 -0.36 -0.14 -0.08 -0.02 -0.03 -0.27 0.01 0.02 0.00 -0.01 -0.05
EPS in Rs 0.00 0.00 -0.39 -0.15 -0.09 -0.02 -0.03 -0.29 0.01 0.02 0.00 -0.01 -0.06
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: -5%
5 Years: -13%
3 Years: -48%
TTM: -55%
Compounded Profit Growth
10 Years: %
5 Years: 11%
3 Years: %
TTM: -126%
Stock Price CAGR
10 Years: 2%
5 Years: 16%
3 Years: 27%
1 Year: -32%
Return on Equity
10 Years: -1%
5 Years: -1%
3 Years: 0%
Last Year: 0%

Balance Sheet

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 9.27 9.27 9.27 9.27 9.27 9.27 9.27 9.27 9.27 9.27 9.27 9.27
Reserves -0.48 -0.48 -0.84 -0.98 -1.35 -1.49 -1.11 -1.38 -1.37 -1.36 -1.36 -1.37
0.21 0.03 0.03 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.08 0.08 0.15 0.15 0.14 0.37 0.41 0.03 0.02 0.05 0.05 0.09
Total Liabilities 9.08 8.90 8.61 8.46 8.06 8.15 8.57 7.92 7.92 7.96 7.96 7.99
0.03 0.02 0.02 0.01 0.01 0.00 0.00 0.00 0.01 0.01 0.01 0.01
CWIP 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Investments 0.05 0.05 0.05 0.85 0.57 0.44 0.00 0.00 0.00 0.00 0.00 0.00
9.00 8.83 8.54 7.60 7.48 7.71 8.57 7.92 7.91 7.95 7.95 7.98
Total Assets 9.08 8.90 8.61 8.46 8.06 8.15 8.57 7.92 7.92 7.96 7.96 7.99

Cash Flows

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-0.29 0.19 -0.01 1.19 -0.35 -0.05 -0.52 0.33 0.89 -0.40 0.69 -1.61
0.00 0.00 0.00 -0.80 0.00 0.03 0.85 0.01 -0.01 -0.01 0.00 -0.01
0.21 -0.18 0.00 -0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Cash Flow -0.08 0.02 -0.01 0.38 -0.35 -0.02 0.33 0.34 0.88 -0.40 0.70 -1.63
Free Cash Flow -0.29 0.19 -0.01 1.19 -0.35 -0.04 -0.52 0.33 0.88 -0.41 0.69 -1.63
CFO/OP -1,450% 633% -520% -850% 194% 83% 743% -63% 8,900% -4,000% -3,450%

Ratios

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Debtor Days 0.00 0.00 0.00 0.00 4.01 34.52 0.00 0.00 0.00 0.00 0.54 0.00
Inventory Days 15.19 18.46 35.12 54.16 178.86 87.62 116.53 52.60 8.46 18.97 10.64 20.74
Days Payable 3.67 4.78 8.95 3.61 0.00 0.00 3.70 1.06 0.00 0.00 0.56 1.38
Cash Conversion Cycle 11.52 13.67 26.17 50.55 182.87 122.14 112.83 51.54 8.46 18.97 10.62 19.36
Working Capital Days 429.80 560.10 547.83 210.02 180.49 105.59 105.23 45.81 8.62 19.03 12.40 15.63
ROCE % 0.11% 0.22% -0.69% -1.67% -0.99% -0.25% -0.38% -3.36% 0.25% 0.25% -0.13% -0.13%

Insights

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Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Loans and Advances (Loan Book)
INR lacs

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Purchase of Shares (Trading Volume)
INR lacs
Sale of Shares (Trading Turnover)
INR lacs
Stock-in-Trade (Securities Holdings)
INR lacs
Number of Permanent Employees
count

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
12.10% 12.10% 12.10% 12.10% 12.10% 12.10% 12.10% 12.10% 12.10% 12.10% 12.10% 12.10%
87.91% 87.90% 87.91% 87.91% 87.90% 87.90% 87.90% 87.90% 87.92% 87.90% 87.91% 87.91%
No. of Shareholders 2,2592,3032,4332,4352,5432,5582,5682,5552,5662,5372,5342,520

Documents

Announcements

Annual reports