Ceejay Finance Ltd

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

Ceejay Finance Ltd

₹ 166 -4.97%
05 Jun - close price
ceejayfinancelimited.com BSE: 530789
About

Incorporated in 1993, Ceejay Finance Ltd
is engaged predominantly in automobile
financing[1]

Key Points

Business Overview:[1][2]
CFL is a part of the Ceejay Group.
The company is registered as a non-systematically important non-deposit taking non-banking finance company – asset finance company. It is primarily engaged in vehicle financing 2-wheelers and four-wheelers. The company also
provides loans against property and personal loans and primarily extends financing to farmers and agricultural
labourers, whose income is contingent on agricultural output, and to small traders and business owners.

Website BSE
  • Market Cap ₹ 57.3 Cr.
  • Current Price ₹ 166
  • High / Low ₹ 215 / 154
  • Stock P/E 7.43
  • Book Value ₹ 241
  • Dividend Yield 0.72 %
  • ROCE 11.4 %
  • ROE 9.72 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Stock is trading at 0.69 times its book value

Cons

  • The company has delivered a poor sales growth of 10.6% over past five years.
  • Company has a low return on equity of 9.58% 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

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

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Quarterly Results

Figures in Rs. Crores

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
5.38 4.77 4.94 5.03 5.98 5.37 6.29 7.15 7.49 6.40 6.66 6.69 6.79
Interest 0.96 0.79 0.77 0.94 0.92 0.82 0.84 1.15 1.11 0.90 0.90 1.06 1.03
1.92 1.53 1.95 2.32 2.51 2.00 2.39 4.23 4.16 3.09 2.72 3.34 2.85
Financing Profit 2.50 2.45 2.22 1.77 2.55 2.55 3.06 1.77 2.22 2.41 3.04 2.29 2.91
Financing Margin % 46.47% 51.36% 44.94% 35.19% 42.64% 47.49% 48.65% 24.76% 29.64% 37.66% 45.65% 34.23% 42.86%
0.00 0.02 0.02 0.14 0.02 0.02 0.02 0.04 0.03 0.06 0.00 0.02 0.01
Depreciation 0.05 0.05 0.06 0.09 0.10 0.10 0.11 0.11 0.09 0.11 0.11 0.11 0.11
Profit before tax 2.45 2.42 2.18 1.82 2.47 2.47 2.97 1.70 2.16 2.36 2.93 2.20 2.81
Tax % 22.86% 23.55% 30.28% 25.82% 24.70% 27.53% 23.57% 32.94% 26.39% 26.27% 25.60% 23.64% 24.91%
1.90 1.85 1.52 1.34 1.86 1.79 2.27 1.14 1.59 1.75 2.18 1.68 2.11
EPS in Rs 5.51 5.36 4.41 3.88 5.39 5.19 6.58 3.30 4.61 5.07 6.32 4.87 6.12
Gross NPA %
Net NPA %
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
11.58 12.28 14.28 16.40 14.81 17.35 16.03 17.95 19.82 20.71 26.29 26.54
Interest 2.25 2.08 2.42 2.92 2.27 2.41 2.22 2.41 3.33 3.41 3.90 3.90
3.68 4.42 4.71 5.59 5.74 8.43 7.67 8.41 7.49 8.33 12.77 12.00
Financing Profit 5.65 5.78 7.15 7.89 6.80 6.51 6.14 7.13 9.00 8.97 9.62 10.64
Financing Margin % 48.79% 47.07% 50.07% 48.11% 45.91% 37.52% 38.30% 39.72% 45.41% 43.31% 36.59% 40.09%
0.01 0.00 0.00 0.03 0.01 0.00 0.05 0.00 0.04 0.21 0.10 0.09
Depreciation 0.15 0.14 0.16 0.14 0.14 0.14 0.15 0.18 0.20 0.30 0.41 0.43
Profit before tax 5.51 5.64 6.99 7.78 6.67 6.37 6.04 6.95 8.84 8.88 9.31 10.30
Tax % 32.30% 33.33% 33.05% 28.53% 27.59% 24.49% 25.83% 28.35% 22.62% 26.01% 26.85% 25.05%
3.73 3.75 4.67 5.56 4.82 4.82 4.47 4.97 6.84 6.57 6.80 7.72
EPS in Rs 10.81 10.87 13.54 16.12 13.97 13.97 12.96 14.41 19.83 19.04 19.71 22.38
Dividend Payout % 12.95% 13.80% 11.08% 15.51% 10.74% 7.16% 7.72% 6.94% 6.05% 6.30% 6.09% 6.70%
Compounded Sales Growth
10 Years: 8%
5 Years: 11%
3 Years: 10%
TTM: 1%
Compounded Profit Growth
10 Years: 7%
5 Years: 12%
3 Years: 4%
TTM: 14%
Stock Price CAGR
10 Years: 12%
5 Years: 14%
3 Years: 5%
1 Year: -17%
Return on Equity
10 Years: 11%
5 Years: 10%
3 Years: 10%
Last Year: 10%

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 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 23.22 26.33 31.01 35.95 40.14 44.39 48.65 53.34 59.86 66.07 72.38 79.60
Borrowing 21.04 17.85 26.70 28.52 27.02 29.71 18.43 24.08 28.37 33.08 46.76 43.46
2.17 2.81 2.18 2.48 1.93 1.90 1.19 2.09 2.86 2.95 3.12 3.61
Total Liabilities 49.88 50.44 63.34 70.40 72.54 79.45 71.72 82.96 94.54 105.55 125.71 130.12
0.93 0.85 0.91 0.82 1.12 1.21 1.19 1.15 1.39 6.61 6.64 6.27
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 0.38 0.38 0.38 0.38 0.62 0.41 0.50 0.54 0.47 0.00 0.00 0.00
48.57 49.21 62.05 69.20 70.80 77.83 70.03 81.27 92.68 98.94 119.07 123.85
Total Assets 49.88 50.44 63.34 70.40 72.54 79.45 71.72 82.96 94.54 105.55 125.71 130.12

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
-0.94 3.54 -7.93 1.51 4.17 -0.79 14.31 -4.98 -4.14 0.20 -13.16 4.09
-0.22 -0.08 -0.19 -0.04 -0.43 -0.08 -0.16 -0.08 -0.32 -4.80 -0.40 0.01
1.56 -3.72 8.25 1.21 -4.83 -0.34 -13.86 5.30 3.95 4.29 13.26 -3.71
Net Cash Flow 0.41 -0.25 0.13 2.69 -1.10 -1.22 0.29 0.24 -0.51 -0.31 -0.30 0.39
Free Cash Flow -1.18 3.49 -8.12 1.50 3.73 -1.02 14.18 -5.04 -4.55 -5.11 -13.55 4.07
CFO/OP 12% 69% -62% 37% 68% 11% 189% -34% -16% 19% -76% 43%

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
ROE % 14.89% 13.29% 14.54% 15.06% 11.62% 10.54% 8.95% 9.13% 11.34% 9.68% 9.33% 9.72%

Insights

In beta
Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Assets Under Management (AUM) / Loan Stock
₹ Lakhs

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Capital Adequacy Ratio (CAR)
%
Total Disbursements
₹ Lakhs
Gross NPA (GNPA) %
%
Net NPA (NNPA) %
%
Number of Borrowers
Count
Number of Branches
Count

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
59.15% 59.16% 59.03% 59.03% 59.03% 59.03% 59.03% 59.03% 59.03% 59.03% 59.03% 59.03%
40.85% 40.84% 40.97% 40.98% 40.97% 40.97% 40.96% 40.97% 40.97% 40.97% 40.97% 40.96%
No. of Shareholders 2,8302,8322,9042,7502,7072,7842,6372,6742,6542,6632,5342,527

Documents

Announcements

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Credit ratings