Ceejay Finance Ltd

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

Ceejay Finance Ltd

₹ 273 5.72%
13 Dec - close price
ceejayfinancelimited.com BSE: 530789
About

Incorporated in 1993, Ceejay Finance
Ltd company is engaged predominantly
in automobile financing.

Key Points

Business Overview:[1]
Company is an Ahmedabad-based deposit-taking NBFC (asset financing company
registered with the RBI) that is primarily
in the vehicle financing business.

Website BSE
  • Market Cap ₹ 94.1 Cr.
  • Current Price ₹ 273
  • High / Low ₹ 342 / 171
  • Stock P/E 13.0
  • Book Value ₹ 213
  • Dividend Yield 0.44 %
  • ROCE 12.5 %
  • ROE 9.68 %
  • Face Value ₹ 10.0
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Pros

Cons

  • The company has delivered a poor sales growth of 6.94% over past five years.
  • Company has a low return on equity of 10.1% 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

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Figures in Rs. Crores

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
3.45 4.33 6.24 5.02 4.54 4.83 5.38 4.77 4.94 5.03 5.98 5.37 6.29
1.68 1.79 3.50 2.01 1.56 2.01 1.92 1.53 1.95 2.32 2.51 2.00 2.39
Operating Profit 1.77 2.54 2.74 3.01 2.98 2.82 3.46 3.24 2.99 2.71 3.47 3.37 3.90
OPM % 51.30% 58.66% 43.91% 59.96% 65.64% 58.39% 64.31% 67.92% 60.53% 53.88% 58.03% 62.76% 62.00%
0.05 0.03 -0.05 0.04 0.02 0.04 0.00 0.02 0.02 0.14 0.02 0.02 0.02
Interest 0.55 0.60 0.83 0.68 0.89 0.80 0.96 0.79 0.77 0.94 0.92 0.82 0.84
Depreciation 0.05 0.05 0.04 0.05 0.05 0.05 0.05 0.05 0.06 0.09 0.10 0.10 0.11
Profit before tax 1.22 1.92 1.82 2.32 2.06 2.01 2.45 2.42 2.18 1.82 2.47 2.47 2.97
Tax % 29.51% 27.60% 33.52% 24.57% 23.79% 18.91% 22.86% 23.55% 30.28% 25.82% 24.70% 27.53% 23.57%
0.87 1.40 1.20 1.75 1.57 1.62 1.90 1.85 1.52 1.34 1.86 1.79 2.27
EPS in Rs 2.52 4.06 3.48 5.07 4.55 4.70 5.51 5.36 4.41 3.88 5.39 5.19 6.58
Raw PDF

Profit & Loss

Figures in Rs. Crores

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
10.55 11.12 11.58 12.28 14.28 16.40 14.81 17.35 16.03 17.95 19.82 20.71 22.67
2.75 3.31 3.68 4.42 4.71 5.59 5.74 8.43 7.67 8.41 7.49 8.33 9.22
Operating Profit 7.80 7.81 7.90 7.86 9.57 10.81 9.07 8.92 8.36 9.54 12.33 12.38 13.45
OPM % 73.93% 70.23% 68.22% 64.01% 67.02% 65.91% 61.24% 51.41% 52.15% 53.15% 62.21% 59.78% 59.33%
-0.01 0.01 0.01 0.00 0.00 0.03 0.01 0.00 0.05 0.00 0.04 0.21 0.20
Interest 2.24 2.22 2.25 2.08 2.42 2.92 2.27 2.41 2.22 2.41 3.33 3.41 3.52
Depreciation 0.09 0.10 0.15 0.14 0.16 0.14 0.14 0.14 0.15 0.18 0.20 0.30 0.40
Profit before tax 5.46 5.50 5.51 5.64 6.99 7.78 6.67 6.37 6.04 6.95 8.84 8.88 9.73
Tax % 31.14% 32.36% 32.30% 33.33% 33.05% 28.53% 27.59% 24.49% 25.83% 28.35% 22.62% 26.01%
3.77 3.73 3.73 3.75 4.67 5.56 4.82 4.82 4.47 4.97 6.84 6.57 7.26
EPS in Rs 10.93 10.81 10.81 10.87 13.54 16.12 13.97 13.97 12.96 14.41 19.83 19.04 21.04
Dividend Payout % 12.81% 12.95% 12.95% 13.80% 11.08% 15.51% 10.74% 7.16% 7.72% 6.94% 6.05% 6.30%
Compounded Sales Growth
10 Years: 6%
5 Years: 7%
3 Years: 9%
TTM: 14%
Compounded Profit Growth
10 Years: 6%
5 Years: 6%
3 Years: 13%
TTM: 5%
Stock Price CAGR
10 Years: 21%
5 Years: 22%
3 Years: 46%
1 Year: 60%
Return on Equity
10 Years: 11%
5 Years: 10%
3 Years: 10%
Last Year: 10%

Balance Sheet

Figures in Rs. Crores

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 3.45 3.45 3.45 3.45 3.45 3.45 3.45 3.45 3.45 3.45 3.45 3.45 3.45
Reserves 16.94 20.10 23.22 26.33 31.01 35.95 40.14 44.39 48.65 53.34 59.86 66.07 70.12
20.37 18.90 21.04 17.85 26.70 28.52 27.02 29.71 18.43 24.08 28.37 33.08 38.45
2.74 2.17 2.17 2.81 2.18 2.48 1.93 1.90 1.19 2.09 2.86 2.95 3.73
Total Liabilities 43.50 44.62 49.88 50.44 63.34 70.40 72.54 79.45 71.72 82.96 94.54 105.55 115.75
0.90 0.92 0.93 0.85 0.91 0.82 1.12 1.21 1.19 1.15 1.39 6.61 6.52
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 0.00
Investments 0.63 0.38 0.38 0.38 0.38 0.38 0.62 0.41 0.50 0.54 0.47 0.00 0.00
41.97 43.32 48.57 49.21 62.05 69.20 70.80 77.83 70.03 81.27 92.68 98.94 109.23
Total Assets 43.50 44.62 49.88 50.44 63.34 70.40 72.54 79.45 71.72 82.96 94.54 105.55 115.75

Cash Flows

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
2.11 1.00 -0.94 3.54 -7.93 1.51 4.17 -0.79 14.31 -4.98 -4.14 0.20
0.12 0.12 -0.22 -0.08 -0.19 -0.04 -0.43 -0.08 -0.16 -0.08 -0.32 -4.80
-1.41 -2.03 1.56 -3.72 8.25 1.21 -4.83 -0.34 -13.86 5.30 3.95 4.29
Net Cash Flow 0.82 -0.91 0.41 -0.25 0.13 2.69 -1.10 -1.22 0.29 0.24 -0.51 -0.31

Ratios

Figures in Rs. Crores

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 138.73 131.62 134.59 120.68 134.96 131.98 0.00 0.00 0.00 0.00 0.00 0.00
Inventory Days
Days Payable
Cash Conversion Cycle 138.73 131.62 134.59 120.68 134.96 131.98 0.00 0.00 0.00 0.00 0.00 0.00
Working Capital Days 955.57 1,011.96 1,080.82 936.28 979.47 951.45 -24.15 -18.09 3.87 -15.66 -23.20 -2.64
ROCE % 19.46% 18.56% 17.24% 16.19% 17.30% 16.58% 12.91% 11.85% 11.16% 12.36% 14.06% 12.46%

Shareholding Pattern

Numbers in percentages

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
59.17% 59.14% 59.14% 59.14% 59.14% 59.14% 59.15% 59.16% 59.03% 59.03% 59.03% 59.03%
40.83% 40.86% 40.86% 40.85% 40.84% 40.86% 40.85% 40.84% 40.97% 40.98% 40.97% 40.97%
No. of Shareholders 2,9782,9652,9502,9462,8332,8302,8302,8322,9042,7502,7072,784

Documents

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