Esaar (India) Ltd

Esaar (India) Ltd

₹ 7.00 -0.28%
25 Jun 11:51 a.m.
About

Incorporated in 1951, Esaar Ltd is in the business of providing Asset Finance[1]

Key Points

Business Overview:[1]
Company is registered as Non Systematically important Non-Deposit taking Non-Banking Financing Company which provides services like Home Loans, Gold Loans, Business Loans, Loans Against Property and MSME Financing, Microfinance, Developer and Construction Finance and Capital Market Finance, etc.

  • Market Cap 14.3 Cr.
  • Current Price 7.00
  • High / Low 10.8 / 4.29
  • Stock P/E
  • Book Value 16.2
  • Dividend Yield 0.00 %
  • ROCE 7.02 %
  • ROE -1.37 %
  • Face Value 10.0

Pros

  • Company has reduced debt.
  • Stock is trading at 0.44 times its book value

Cons

  • Company has low interest coverage ratio.
  • Promoter holding is low: 3.10%
  • Earnings include an other income of Rs.9.47 Cr.
  • Company has high debtors of 525 days.

* 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

Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
12.18 1.26 2.90 0.45 4.38 6.65 3.00 4.85 3.96 1.04 4.26 0.73 0.46
17.57 1.14 14.02 0.16 11.66 0.31 4.53 2.97 0.40 0.83 0.71 1.89 4.67
Operating Profit -5.39 0.12 -11.12 0.29 -7.28 6.34 -1.53 1.88 3.56 0.21 3.55 -1.16 -4.21
OPM % -44.25% 9.52% -383.45% 64.44% -166.21% 95.34% -51.00% 38.76% 89.90% 20.19% 83.33% -158.90% -915.22%
14.28 15.53 0.13 0.41 25.93 0.00 0.00 0.77 2.12 0.54 0.00 0.08 8.85
Interest 0.48 0.54 0.63 0.47 1.00 1.48 1.71 1.85 2.26 2.21 2.18 1.88 0.57
Depreciation 0.00 0.00 0.00 0.01 0.00 0.01 0.01 0.01 0.01 0.05 0.05 0.05 0.05
Profit before tax 8.41 15.11 -11.62 0.22 17.65 4.85 -3.25 0.79 3.41 -1.51 1.32 -3.01 4.02
Tax % 3.69% 0.00% -3.87% 0.00% -0.62% 0.00% -24.92% 5.06% 14.08% 0.00% 0.00% -5.65% 29.60%
8.10 15.11 -12.07 0.22 17.74 4.85 -4.06 0.75 2.93 -1.50 1.32 -3.18 2.83
EPS in Rs 3.96 7.39 -5.90 0.11 8.68 2.37 -1.99 0.37 1.43 -0.73 0.65 -1.56 1.38
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
13.66 15.72 8.71 4.09 4.71 1.13 -6.26 11.96 22.69 8.99 19.24 6.52
13.51 15.63 11.82 6.15 4.57 1.13 -7.11 21.35 33.30 12.96 8.21 8.11
Operating Profit 0.15 0.09 -3.11 -2.06 0.14 0.00 0.85 -9.39 -10.61 -3.97 11.03 -1.59
OPM % 1.10% 0.57% -35.71% -50.37% 2.97% 0.00% 36.17% -78.51% -46.76% -44.16% 57.33% -24.39%
0.00 -0.66 0.00 0.02 0.00 0.00 0.09 10.34 15.13 27.97 2.11 9.47
Interest 0.00 0.07 0.94 0.69 0.13 0.18 0.63 0.71 2.67 2.63 7.30 6.86
Depreciation 0.10 0.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.04 0.20
Profit before tax 0.05 -0.67 -4.05 -2.73 0.01 -0.18 0.31 0.24 1.85 21.36 5.80 0.82
Tax % 20.00% 31.34% 0.00% -0.37% 100.00% -16.67% 0.00% -641.67% 16.76% 1.59% 22.76% 159.76%
0.03 -0.45 -4.05 -2.73 0.00 -0.22 0.31 1.78 1.55 21.01 4.48 -0.48
EPS in Rs 0.02 -0.22 -1.99 -1.34 0.00 -0.11 0.15 0.87 0.76 10.28 2.19 -0.23
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: -8%
5 Years: %
3 Years: -34%
TTM: -66%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -111%
Stock Price CAGR
10 Years: -28%
5 Years: 29%
3 Years: 41%
1 Year: 42%
Return on Equity
10 Years: 10%
5 Years: 21%
3 Years: 24%
Last Year: -1%

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
Equity Capital 8.18 8.18 20.44 20.44 20.44 20.44 20.44 20.44 20.44 20.44 20.44 20.44
Reserves 14.10 13.64 -2.67 -5.41 -5.41 -5.62 -5.28 -6.10 -1.07 21.77 16.55 12.67
0.00 19.66 0.00 3.90 0.32 0.85 11.36 25.00 29.59 81.42 106.74 41.98
17.20 0.03 8.33 1.74 1.78 1.82 14.04 13.19 10.55 4.18 14.87 31.19
Total Liabilities 39.48 41.51 26.10 20.67 17.13 17.49 40.56 52.53 59.51 127.81 158.60 106.28
0.73 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.27 2.07 1.91
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 0.00 0.00 0.00 0.00 7.50 18.14 11.01 27.68 17.51 17.69
38.75 41.50 26.10 20.67 17.13 17.49 33.06 34.39 48.49 99.86 139.02 86.68
Total Assets 39.48 41.51 26.10 20.67 17.13 17.49 40.56 52.53 59.51 127.81 158.60 106.28

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
-1.00 0.59 12.61 -0.54 0.40 -1.75 -0.17 -40.41 -12.17 -29.39 -41.30 71.70
0.00 0.03 0.00 0.00 0.00 0.00 -7.50 -9.00 7.12 -16.94 8.37 -0.02
0.00 -0.07 -12.28 0.56 -0.17 0.76 10.51 47.03 4.60 46.93 32.94 -72.38
Net Cash Flow -1.00 0.55 0.33 0.02 0.24 -0.99 2.84 -2.39 -0.45 0.60 0.01 -0.70

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 0.00 3.48 0.00 0.00 0.00 0.00 -46.06 3.97 238.88 360.13 168.27 524.55
Inventory Days 373.84 305.15 49.89 93.80 65.82 2,318.24 19.82 249.13 117.74
Days Payable 0.28 0.24 0.00 0.00 0.85 9.86 323.71 1,610.63 1,630.73
Cash Conversion Cycle 373.56 308.40 49.89 93.80 64.96 2,308.38 -46.06 -299.92 -1,122.63 360.13 -1,344.71 524.55
Working Capital Days 580.63 949.19 1,053.93 1,606.36 1,098.87 5,000.18 -98.54 -25.64 90.24 283.80 68.30 -1,176.73
ROCE % 0.22% 0.19% -10.50% -11.12% 0.82% 0.00% 4.46% 2.88% 10.24% 27.80% 9.80%

Shareholding Pattern

Numbers in percentages

Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
3.10% 3.10% 3.10% 3.10% 3.10% 3.10% 3.10% 3.10% 3.10% 3.10% 3.10% 3.10%
96.89% 96.89% 96.90% 96.90% 96.90% 96.90% 96.90% 96.91% 96.89% 96.90% 96.90% 96.90%
No. of Shareholders 7,0807,1907,5087,8417,7487,6467,6927,8107,8367,7798,7308,915

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