Comfort Fincap Ltd

₹ 7.39 2.78%

25 Nov - close price

About

Incorporated in 1982, Comfort Fincap Ltd provides loans and trades in capital market^[1]

Key Points

Registration and Services^[1]
Company is registered is a Non-Deposit taking NBFC. It primarily gives loans against securities. It includes loans agains securities for investments in IPOs, ESOPs, convertible bonds or any other purpose.

Website BSE

Market Cap ₹ 64.7 Cr.
Current Price ₹ 7.39
High / Low ₹ 11.5 / 6.51
Stock P/E 10.3
Book Value ₹ 10.9
Dividend Yield 1.35 %
ROCE 9.91 %
ROE 7.20 %
Face Value ₹ 2.00

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Pros

Company has reduced debt.
Stock is trading at 0.68 times its book value

Cons

The company has delivered a poor sales growth of 11.4% over past five years.
Company has a low return on equity of 8.85% 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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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
	4.11	3.64	2.96	3.42	3.76	3.17	2.87	3.00	3.03	3.42	3.87	3.83	3.75
	0.70	0.88	0.87	0.69	0.78	0.88	1.60	0.65	0.97	0.88	1.17	0.90	1.08
Operating Profit	3.41	2.76	2.09	2.73	2.98	2.29	1.27	2.35	2.06	2.54	2.70	2.93	2.67
OPM %	82.97%	75.82%	70.61%	79.82%	79.26%	72.24%	44.25%	78.33%	67.99%	74.27%	69.77%	76.50%	71.20%
	0.01	0.08	-0.00	-0.00	0.01	0.01	0.71	1.01	0.10	-0.34	-0.95	0.54	-0.49
Interest	1.55	1.11	0.81	0.67	0.77	0.58	0.66	0.65	0.69	0.59	0.58	0.28	0.11
Depreciation	-0.00	-0.00	-0.00	-0.00	0.01	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02
Profit before tax	1.87	1.73	1.28	2.06	2.21	1.70	1.30	2.69	1.45	1.59	1.15	3.17	2.05
Tax %	25.13%	24.86%	26.56%	27.18%	26.24%	24.71%	43.85%	28.25%	28.28%	15.09%	33.04%	16.09%	28.29%
	1.40	1.29	0.93	1.51	1.63	1.28	0.73	1.92	1.04	1.36	0.77	2.67	1.47
EPS in Rs	0.26	0.24	0.17	0.28	0.30	0.24	0.13	0.35	0.19	0.22	0.10	0.31	0.17
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
	2.79	3.98	4.51	5.40	7.34	7.39	7.61	11.13	12.43	14.67	13.91	13.07	14.87
	1.47	0.98	1.19	1.90	1.88	2.17	4.04	2.88	2.89	3.17	3.98	3.66	4.03
Operating Profit	1.32	3.00	3.32	3.50	5.46	5.22	3.57	8.25	9.54	11.50	9.93	9.41	10.84
OPM %	47.31%	75.38%	73.61%	64.81%	74.39%	70.64%	46.91%	74.12%	76.75%	78.39%	71.39%	72.00%	72.90%
	0.01	-0.00	0.01	0.03	0.02	0.04	0.02	0.01	0.07	0.07	0.05	0.06	-1.24
Interest	0.45	0.34	0.32	0.70	2.09	1.36	1.69	2.68	3.41	5.02	2.67	2.51	1.56
Depreciation	0.02	0.02	0.01	0.01	0.01	0.01	0.01	-0.00	-0.00	-0.00	0.05	0.08	0.08
Profit before tax	0.86	2.64	3.00	2.82	3.38	3.89	1.89	5.58	6.20	6.55	7.26	6.88	7.96
Tax %	27.91%	21.59%	25.00%	31.21%	28.40%	28.79%	34.39%	25.09%	28.55%	25.80%	29.06%	25.87%
	0.62	2.07	2.25	1.94	2.43	2.78	1.24	4.18	4.42	4.86	5.15	5.10	6.27
EPS in Rs	0.11	0.38	0.41	0.36	0.45	0.51	0.23	0.77	0.81	0.90	0.95	0.64	0.80
Dividend Payout %	35.00%	10.48%	9.64%	11.19%	11.16%	-0.00%	-0.00%	-0.00%	-0.00%	-0.00%	10.53%	15.66%

Compounded Sales Growth
10 Years:	13%
5 Years:	11%
3 Years:	2%
TTM:	23%

Compounded Profit Growth
10 Years:	9%
5 Years:	33%
3 Years:	5%
TTM:	26%

Stock Price CAGR
10 Years:	11%
5 Years:	43%
3 Years:	-16%
1 Year:	-29%

Return on Equity
10 Years:	9%
5 Years:	9%
3 Years:	9%
Last Year:	7%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	10.85	10.85	10.85	10.85	10.85	10.85	10.85	10.85	10.85	10.85	10.85	15.97	17.50
Reserves	11.19	13.00	14.99	16.68	19.11	24.58	25.71	29.89	34.32	39.01	44.13	70.65	77.55
	3.11	1.60	2.54	14.01	15.13	19.92	18.98	30.67	51.08	27.61	26.07	21.86	16.93
	0.61	1.04	1.26	1.10	0.90	2.15	1.82	2.09	1.26	1.41	2.04	2.16	2.35
Total Liabilities	25.76	26.49	29.64	42.64	45.99	57.50	57.36	73.50	97.51	78.88	83.09	110.64	114.33
	0.05	0.03	0.02	0.02	0.03	0.03	0.02	0.02	0.01	0.02	1.93	1.85	1.82
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	4.16	2.72	3.02	2.67	2.59	9.39	6.11	3.27	3.82	3.97	6.12	5.32	5.19
	21.55	23.74	26.60	39.95	43.37	48.08	51.23	70.21	93.68	74.89	75.04	103.47	107.32
Total Assets	25.76	26.49	29.64	42.64	45.99	57.50	57.36	73.50	97.51	78.88	83.09	110.64	114.33

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	1.66	-2.31	-0.27	-11.36	1.20	-4.53	0.51	-13.11	-15.01	27.00	4.17	-19.73
	-0.30	2.51	0.34	0.67	0.14	-0.01	1.35	4.11	-0.00	-0.01	-0.70	0.52
	-1.54	-2.11	0.35	10.51	-1.23	3.11	-2.63	9.00	17.00	-28.47	-4.22	19.86
Net Cash Flow	-0.18	-1.90	0.42	-0.18	0.11	-1.43	-0.76	-0.00	1.98	-1.48	-0.75	0.64

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	82.42	0.92	-0.00	27.04	4.48	0.99	-0.00	1.31	-0.00	1.24	0.26	-0.00
Inventory Days	884.66
Days Payable	-0.00
Cash Conversion Cycle	967.08	0.92	-0.00	27.04	4.48	0.99	-0.00	1.31	-0.00	1.24	0.26	-0.00
Working Capital Days	1,801.45	1,739.71	1,639.67	1,520.83	1,237.22	-148.17	-138.61	-60.01	2.06	4.23	-32.01	-44.96
ROCE %	5.20%	11.78%	12.34%	10.07%	12.63%	10.45%	6.46%	13.01%	11.46%	13.32%	12.53%	9.91%

Shareholding Pattern

Numbers in percentages

4 Recently

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
	54.63%	55.09%	55.34%	55.62%	55.62%	56.19%	56.75%	56.75%	57.37%	53.60%	54.61%	54.91%
	1.57%	1.57%	1.57%	1.01%	1.01%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	43.80%	43.35%	43.10%	43.38%	43.38%	43.81%	43.25%	43.25%	42.64%	46.40%	45.39%	45.09%
No. of Shareholders	3,234	4,152	5,965	8,009	11,021	14,239	14,501	15,962	16,396	16,233	16,829	16,685

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
	50.82%	50.82%	50.82%	50.82%	50.82%	54.63%	55.09%	56.19%	53.60%	54.91%
	0.00%	0.00%	0.00%	1.57%	1.57%	1.57%	1.57%	0.00%	0.00%	0.00%
	49.18%	49.18%	49.18%	47.61%	47.61%	43.81%	43.35%	43.81%	46.40%	45.09%
No. of Shareholders	890	958	968	1,031	1,033	5,151	4,152	14,239	16,233	16,685

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Comfort Fincap Ltd

Comfort Fincap Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Shareholding Pattern

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