Cindrella Financial Services Ltd

AI

Cindrella Financial Services Ltd

₹ 10.5 4.91%
17 Sep - close price
About

Incorporated in 1994, Cindrella Financial Services Ltd is in the business of providing loans and other finance services[1]

Key Points

Business Overview:[1]
CFSL is in the business as a Non-Systematically Important Non-Deposit Taking Non-Banking Financial Company. It derives its revenues from interest earned on long-term loans, rental income and fees for consultancy services.

  • Market Cap 4.36 Cr.
  • Current Price 10.5
  • High / Low 15.1 / 8.60
  • Stock P/E 72.7
  • Book Value 9.47
  • Dividend Yield 0.00 %
  • ROCE 0.50 %
  • ROE 0.25 %
  • Face Value 10.0

Pros

  • Company is almost debt free.
  • Stock is trading at 1.11 times its book value

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • The company has delivered a poor sales growth of 7.21% over past five years.
  • Promoter holding is low: 30.2%
  • Company has a low return on equity of 2.52% 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.

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

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
0.02 0.01 0.13 0.04 0.05 0.04 0.15 0.03 -0.03 0.03 0.17 0.02 0.01
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
0.02 0.02 0.01 0.03 0.02 0.04 0.03 0.05 0.03 0.03 0.03 0.06 0.03
Financing Profit 0.00 -0.01 0.12 0.01 0.03 0.00 0.12 -0.02 -0.06 0.00 0.14 -0.04 -0.02
Financing Margin % 0.00% -100.00% 92.31% 25.00% 60.00% 0.00% 80.00% -66.67% 200.00% 0.00% 82.35% -200.00% -200.00%
0.00 0.03 0.01 0.08 0.02 0.02 0.01 -0.01 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 0.00 0.02 0.13 0.09 0.05 0.02 0.13 -0.03 -0.06 0.00 0.14 -0.04 -0.02
Tax % 50.00% 46.15% 33.33% 20.00% 0.00% 23.08% -33.33% 0.00% 14.29% -25.00% 0.00%
0.00 0.02 0.07 0.06 0.03 0.02 0.10 -0.02 -0.06 0.00 0.11 -0.03 -0.02
EPS in Rs 0.00 0.05 0.17 0.14 0.07 0.05 0.24 -0.05 -0.14 0.00 0.26 -0.07 -0.05
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

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
0.04 0.04 0.07 0.04 0.08 0.11 0.12 0.23 1.08 0.33 0.32 0.17 0.23
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
0.04 0.05 0.09 0.07 0.07 0.09 0.08 0.09 0.15 0.09 0.15 0.15 0.15
Financing Profit 0.00 -0.01 -0.02 -0.03 0.01 0.02 0.04 0.14 0.93 0.24 0.17 0.02 0.08
Financing Margin % 0.00% -25.00% -28.57% -75.00% 12.50% 18.18% 33.33% 60.87% 86.11% 72.73% 53.12% 11.76% 34.78%
0.00 0.00 0.26 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 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 0.00 -0.01 0.24 -0.03 0.01 0.02 0.04 0.14 0.93 0.24 0.17 0.03 0.08
Tax % 0.00% 20.83% 0.00% 0.00% 0.00% 25.00% 21.43% 17.20% 33.33% 23.53% 33.33%
0.00 -0.02 0.19 -0.03 0.01 0.02 0.03 0.12 0.77 0.16 0.13 0.02 0.06
EPS in Rs 0.00 -0.05 0.46 -0.07 0.02 0.05 0.07 0.29 1.85 0.38 0.31 0.05 0.14
Dividend Payout % 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: 16%
5 Years: 7%
3 Years: -46%
TTM: 21%
Compounded Profit Growth
10 Years: 10%
5 Years: -20%
3 Years: -76%
TTM: 50%
Stock Price CAGR
10 Years: 15%
5 Years: 15%
3 Years: 2%
1 Year: -3%
Return on Equity
10 Years: 4%
5 Years: 6%
3 Years: 3%
Last Year: 0%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

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 3.30 3.30 3.30 3.30 3.30 3.30 3.30 3.30 3.30 3.30 3.30 3.30
Reserves -0.76 -0.78 -0.30 -0.34 -0.35 -0.37 -0.33 -0.20 0.56 0.68 0.74 0.64
Borrowing 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 0.01 0.18 0.13 0.13 0.12 0.12 0.22 0.14 0.14 0.08 0.05
Total Liabilities 2.54 2.53 3.18 3.09 3.08 3.05 3.09 3.32 4.00 4.12 4.12 3.99
0.06 0.06 0.05 0.04 0.04 0.04 0.04 0.00 0.00 0.00 0.00 0.00
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 0.00 0.00 2.88 2.97 2.73 2.38 2.40 2.66 3.98 2.72 2.90 3.05
2.48 2.47 0.25 0.08 0.31 0.63 0.65 0.66 0.02 1.40 1.22 0.94
Total Assets 2.54 2.53 3.18 3.09 3.08 3.05 3.09 3.32 4.00 4.12 4.12 3.99

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
0.01 -0.01 -0.03 -0.09 -0.01 0.00 0.04 0.00 -0.27 -0.24 -0.21 -0.15
0.23 0.00 -0.03 -0.11 -0.01 0.01 -0.04 0.36 -0.06 0.16 0.35 0.70
0.00 0.00 0.00 0.00 0.00 0.00 0.00 -0.01 -0.01 0.05 0.16 0.08
Net Cash Flow 0.24 -0.01 -0.06 -0.20 -0.02 0.01 -0.01 0.35 -0.34 -0.03 0.30 0.63
Free Cash Flow 0.01 -0.01 0.24 -0.09 -0.01 0.00 0.04 0.00 -1.02 -0.24 -0.21 -0.14
CFO/OP 100% -100% 300% -100% 50% 125% 7% -13% -38% -82% -600%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

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 % 0.00% -0.79% -1.09% -1.01% 0.34% 0.68% 1.02% 3.95% 22.13% 4.08% 3.24% 0.25%

Insights

In beta
Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Interest Income Share of Total Revenue
%

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Loan Book / Total Loans Outstanding
Rs. in Lakhs
Number of Borrowers
count
Number of Equity Investments (Portfolio Companies)
count
Number of Mutual Fund Holdings
count
Total Investment Portfolio (Other Financial Assets)
Rs. in Lakhs

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
30.21% 30.21% 30.21% 30.21% 30.21% 30.21% 30.21% 30.21% 30.21% 30.21% 30.21% 30.21%
69.79% 69.79% 69.79% 69.79% 69.79% 69.79% 69.80% 69.80% 69.80% 69.79% 69.79% 69.79%
No. of Shareholders 2,7902,8852,8472,8102,8242,9012,9012,9192,9142,8992,8782,860

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