Comfort Fincap Ltd

₹ 7.29 -0.41%

15 Jul - close price

About

Incorporated in 1982, Comfort Fincap Ltd is in the business of providing loans^[1]

Key Points

Business Overview:^[1]^[2]
CFL is registered as a non systematically important non-deposit taking Non-Banking Financial Company with the RBI and is classified as an NBFC-Investment and Credit Company (NBFC-ICC). The company provides a wide spectrum of financial services to commercial, industrial, and financial sector clients which includes inter corporate loans, personal loans, loans against shares & securities, loans against properties, trade financing, bills discounting, trading in shares & securities.

Website BSE

Market Cap ₹ 71.5 Cr.
Current Price ₹ 7.29
High / Low ₹ 9.38 / 6.06
Stock P/E 9.54
Book Value ₹ 11.1
Dividend Yield 1.37 %
ROCE 10.2 %
ROE 8.02 %
Face Value ₹ 2.00

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Pros

Company has reduced debt.
Company is almost debt free.
Stock is trading at 0.66 times its book value
Promoter holding has increased by 2.11% over last quarter.

Cons

The company has delivered a poor sales growth of 7.68% over past five years.
Company has a low return on equity of 8.19% 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

	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
	2.96	3.42	3.76	3.17	2.87	3.00	3.03	3.42	3.87	3.83	3.75	4.52	4.00
Interest	0.81	0.67	0.77	0.58	0.66	0.65	0.69	0.59	0.58	0.28	0.11	0.51	0.14
	0.87	0.69	0.78	0.88	1.60	0.65	0.97	0.88	1.17	0.90	1.08	0.92	2.31
Financing Profit	1.28	2.06	2.21	1.71	0.61	1.70	1.37	1.95	2.12	2.65	2.56	3.09	1.55
Financing Margin %	43.24%	60.23%	58.78%	53.94%	21.25%	56.67%	45.21%	57.02%	54.78%	69.19%	68.27%	68.36%	38.75%
	0.00	0.00	0.01	0.01	0.71	1.01	0.10	-0.34	-0.95	0.54	-0.49	-0.04	0.04
Depreciation	0.00	0.00	0.01	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02
Profit before tax	1.28	2.06	2.21	1.70	1.30	2.69	1.45	1.59	1.15	3.17	2.05	3.03	1.57
Tax %	26.56%	27.18%	26.24%	24.71%	43.85%	28.25%	28.28%	15.09%	33.04%	16.09%	28.29%	24.42%	32.48%
	0.93	1.51	1.63	1.28	0.73	1.92	1.04	1.36	0.77	2.67	1.47	2.29	1.07
EPS in Rs	0.17	0.28	0.30	0.24	0.13	0.35	0.19	0.22	0.10	0.31	0.17	0.26	0.12
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
	3.98	4.51	5.40	7.34	7.39	7.61	11.13	12.43	14.67	13.91	13.07	16.11
Interest	0.34	0.32	0.70	2.09	1.36	1.69	2.68	3.41	5.02	2.67	2.51	1.03
	0.98	1.19	1.90	1.88	2.17	4.04	2.88	2.89	3.17	3.98	3.66	5.23
Financing Profit	2.66	3.00	2.80	3.37	3.86	1.88	5.57	6.13	6.48	7.26	6.90	9.85
Financing Margin %	66.83%	66.52%	51.85%	45.91%	52.23%	24.70%	50.04%	49.32%	44.17%	52.19%	52.79%	61.14%
	0.00	0.01	0.03	0.02	0.04	0.02	0.01	0.07	0.07	0.05	0.06	0.05
Depreciation	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	2.64	3.00	2.82	3.38	3.89	1.89	5.58	6.20	6.55	7.26	6.88	9.82
Tax %	21.59%	25.00%	31.21%	28.40%	28.79%	34.39%	25.09%	28.55%	25.80%	29.06%	25.87%	23.83%
	2.07	2.25	1.94	2.43	2.78	1.24	4.18	4.42	4.86	5.15	5.10	7.49
EPS in Rs	0.38	0.41	0.36	0.45	0.51	0.23	0.77	0.81	0.90	0.95	0.64	0.83
Dividend Payout %	10.48%	9.64%	11.19%	11.16%	0.00%	0.00%	0.00%	0.00%	0.00%	10.53%	15.66%	12.02%

Compounded Sales Growth
10 Years:	14%
5 Years:	8%
3 Years:	3%
TTM:	23%

Compounded Profit Growth
10 Years:	13%
5 Years:	12%
3 Years:	16%
TTM:	47%

Stock Price CAGR
10 Years:	11%
5 Years:	16%
3 Years:	2%
1 Year:	-19%

Return on Equity
10 Years:	8%
5 Years:	9%
3 Years:	8%
Last Year:	8%

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	10.85	10.85	10.85	10.85	10.85	10.85	10.85	10.85	10.85	10.85	15.97	18.00
Reserves	13.00	14.99	16.68	19.11	24.58	25.71	29.89	34.32	39.01	44.13	70.65	82.14
Borrowing	1.60	2.54	14.01	15.13	19.92	18.98	30.67	51.08	27.61	26.07	21.86	4.37
	1.04	1.26	1.10	0.90	2.15	1.82	2.09	1.26	1.41	2.04	2.16	2.51
Total Liabilities	26.49	29.64	42.64	45.99	57.50	57.36	73.50	97.51	78.88	83.09	110.64	107.02
	0.03	0.02	0.02	0.03	0.03	0.02	0.02	0.01	0.02	1.93	1.85	1.78
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	2.72	3.02	2.67	2.59	9.39	6.11	3.27	3.82	3.97	6.12	5.32	5.07
	23.74	26.60	39.95	43.37	48.08	51.23	70.21	93.68	74.89	75.04	103.47	100.17
Total Assets	26.49	29.64	42.64	45.99	57.50	57.36	73.50	97.51	78.88	83.09	110.64	107.02

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
	-2.31	-0.27	-11.36	1.20	-4.53	0.51	-13.11	-15.01	27.00	4.17	-19.73	13.06
	2.51	0.34	0.67	0.14	-0.01	1.35	4.11	0.00	-0.01	-0.70	0.52	0.04
	-2.11	0.35	10.51	-1.23	3.11	-2.63	9.00	17.00	-28.47	-4.22	19.86	-12.54
Net Cash Flow	-1.90	0.42	-0.18	0.11	-1.43	-0.76	0.00	1.98	-1.48	-0.75	0.64	0.56
Free Cash Flow	-2.31	-0.27	-11.36	1.19	-4.54	0.51	-13.11	-15.01	26.99	3.47	-19.73	13.06
CFO/OP	-60%	8%	-298%	40%	-73%	40%	-139%	-132%	247%	60%	-192%	139%

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 %	9.02%	9.06%	7.27%	8.45%	8.50%	3.44%	10.82%	10.29%	10.23%	9.82%	7.20%	8.02%

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

Capital Market Exposure
Rs. Lakhs

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Loan Book
Rs. Lakhs

Real Estate Exposure
Rs. Lakhs

Employee Count
Number

Bill Discounting Exposure
Rs. Lakhs

Disbursements
Rs. Crores

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	55.62%	55.62%	56.19%	56.75%	56.75%	57.37%	53.60%	54.61%	54.91%	54.91%	55.06%	57.17%
	1.01%	1.01%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	43.38%	43.38%	43.81%	43.25%	43.25%	42.64%	46.40%	45.39%	45.09%	45.09%	44.95%	42.83%
No. of Shareholders	8,009	11,021	14,239	14,501	15,962	16,396	16,233	16,829	16,685	16,541	16,321	16,208

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Jun 2026
	50.82%	50.82%	50.82%	50.82%	50.82%	54.63%	55.09%	56.19%	53.60%	55.06%	57.17%
	0.00%	0.00%	0.00%	1.57%	1.57%	1.57%	1.57%	0.00%	0.00%	0.00%	0.00%
	49.18%	49.18%	49.18%	47.61%	47.61%	43.81%	43.35%	43.81%	46.40%	44.95%	42.83%
No. of Shareholders	890	958	968	1,031	1,033	5,151	4,152	14,239	16,233	16,321	16,208

* 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

Insights

Shareholding Pattern

Documents

Announcements

Annual reports

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