Comfort Fincap Ltd

₹ 9.09 0.00%

16 Apr - close price

About

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

Key Points

Registration:^[1]
Company is registered as a Non-Systemically Important Non-Deposit taking Non-banking Finance Company

Website BSE

Market Cap ₹ 49.3 Cr.
Current Price ₹ 9.09
High / Low ₹ 12.0 / 6.47
Stock P/E 9.17
Book Value ₹ 9.81
Dividend Yield 0.00 %
ROCE 13.3 %
ROE 10.2 %
Face Value ₹ 2.00

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Pros

Company has reduced debt.
Stock is trading at 0.93 times its book value

Cons

Though the company is reporting repeated profits, it is not paying out dividend
Company has a low return on equity of 10.4% over last 3 years.
Company's cost of borrowing seems high

* 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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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023
	2.96	2.64	2.85	2.96	3.19	3.44	3.96	4.11	3.64	2.96	3.42	3.76	3.17
	0.35	1.79	0.54	0.62	0.62	1.11	0.72	0.70	0.88	0.87	0.69	0.77	0.87
Operating Profit	2.61	0.85	2.31	2.34	2.57	2.33	3.24	3.41	2.76	2.09	2.73	2.99	2.30
OPM %	88.18%	32.20%	81.05%	79.05%	80.56%	67.73%	81.82%	82.97%	75.82%	70.61%	79.82%	79.52%	72.56%
	0.01	0.00	0.00	0.05	0.01	0.01	0.01	0.01	0.08	0.00	0.00	0.01	0.01
Interest	0.71	0.83	0.71	0.66	0.80	1.25	1.55	1.55	1.11	0.81	0.67	0.77	0.58
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.02
Profit before tax	1.91	0.02	1.60	1.73	1.78	1.09	1.70	1.87	1.73	1.28	2.06	2.22	1.71
Tax %	0.52%	1,800.00%	25.62%	24.86%	25.28%	43.12%	25.88%	25.13%	24.86%	26.56%	27.18%	26.13%	24.56%
	1.90	-0.34	1.18	1.29	1.34	0.62	1.25	1.40	1.29	0.94	1.51	1.64	1.29
EPS in Rs	0.35	-0.06	0.22	0.24	0.25	0.11	0.23	0.26	0.24	0.17	0.28	0.30	0.24
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
	39.49	9.93	2.79	3.98	4.51	5.40	7.34	7.39	7.61	11.13	12.43	14.67	13.31
	38.63	8.11	1.47	0.98	1.19	1.90	1.88	2.17	4.04	2.88	2.89	3.14	3.20
Operating Profit	0.86	1.82	1.32	3.00	3.32	3.50	5.46	5.22	3.57	8.25	9.54	11.53	10.11
OPM %	2.18%	18.33%	47.31%	75.38%	73.61%	64.81%	74.39%	70.64%	46.91%	74.12%	76.75%	78.60%	75.96%
	0.01	0.06	0.01	0.00	0.01	0.03	0.02	0.04	0.02	0.01	0.07	0.07	0.02
Interest	0.02	0.40	0.45	0.34	0.32	0.70	2.09	1.36	1.69	2.68	3.41	5.02	2.83
Depreciation	0.01	0.02	0.02	0.02	0.01	0.01	0.01	0.01	0.01	0.00	0.00	0.00	0.03
Profit before tax	0.84	1.46	0.86	2.64	3.00	2.82	3.38	3.89	1.89	5.58	6.20	6.58	7.27
Tax %	29.76%	32.19%	27.91%	21.59%	25.00%	31.21%	28.40%	28.79%	34.39%	25.09%	28.55%	25.84%
	0.59	0.99	0.62	2.07	2.25	1.94	2.43	2.78	1.24	4.18	4.42	4.88	5.38
EPS in Rs	0.11	0.18	0.11	0.38	0.41	0.36	0.45	0.51	0.23	0.77	0.81	0.90	0.99
Dividend Payout %	36.78%	54.80%	35.00%	10.48%	9.64%	11.19%	11.16%	0.00%	0.00%	0.00%	0.00%	0.00%

Compounded Sales Growth
10 Years:	4%
5 Years:	15%
3 Years:	24%
TTM:	-12%

Compounded Profit Growth
10 Years:	17%
5 Years:	15%
3 Years:	58%
TTM:	18%

Stock Price CAGR
10 Years:	-11%
5 Years:	27%
3 Years:	68%
1 Year:	-9%

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

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Sep 2023
Equity Capital	10.85	10.85	10.85	10.85	10.85	10.85	10.85	10.85	10.85	10.85	10.85	10.85	10.85
Reserves	10.47	10.83	11.19	13.00	14.99	16.68	19.11	24.58	25.71	29.89	34.32	39.20	42.35
	0.17	3.57	3.11	1.60	2.54	14.01	15.13	19.92	18.98	30.67	51.08	27.61	26.16
	0.69	1.31	0.61	1.04	1.26	1.10	0.90	2.15	1.82	2.09	1.26	1.23	1.77
Total Liabilities	22.18	26.56	25.76	26.49	29.64	42.64	45.99	57.50	57.36	73.50	97.51	78.89	81.13
	0.09	0.07	0.05	0.03	0.02	0.02	0.03	0.03	0.02	0.02	0.01	0.02	0.71
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	0.02	3.88	4.16	2.72	3.02	2.67	2.59	9.39	6.11	3.27	3.82	3.97	0.00
	22.07	22.61	21.55	23.74	26.60	39.95	43.37	48.08	51.23	70.21	93.68	74.90	80.42
Total Assets	22.18	26.56	25.76	26.49	29.64	42.64	45.99	57.50	57.36	73.50	97.51	78.89	81.13

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
	-13.76	2.05	1.66	-2.31	-0.27	-11.36	1.20	-4.53	0.51	-13.11	-15.01	27.23
	0.09	-3.86	-0.30	2.51	0.34	0.67	0.14	-0.01	1.35	4.11	0.00	-0.01
	4.62	2.74	-1.54	-2.11	0.35	10.51	-1.23	3.11	-2.63	9.00	17.00	-28.47
Net Cash Flow	-9.05	0.93	-0.18	-1.90	0.42	-0.18	0.11	-1.43	-0.76	0.00	1.98	-1.26

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Debtor Days	0.00	0.00	82.42	0.92	0.00	27.04	4.48	0.99	0.00	1.31	0.00	1.24
Inventory Days	41.20	154.06	884.66
Days Payable	0.48	0.00	0.00
Cash Conversion Cycle	40.72	154.06	967.08	0.92	0.00	27.04	4.48	0.99	0.00	1.31	0.00	1.24
Working Capital Days	166.65	626.71	2,208.32	1,886.44	1,845.23	2,467.81	1,989.60	-40.99	-58.99	-60.01	2.06	10.70
ROCE %	4.53%	7.96%	5.20%	11.78%	12.34%	10.07%	12.63%	10.45%	6.46%	13.01%	11.46%	13.34%

Shareholding Pattern

Numbers in percentages

10 Recently

	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023
	50.82%	54.13%	54.63%	54.63%	54.63%	54.63%	54.63%	54.63%	55.09%	55.34%	55.62%	55.62%
	1.57%	1.57%	1.57%	1.57%	1.57%	1.57%	1.57%	1.57%	1.57%	1.57%	1.01%	1.01%
	47.61%	44.30%	43.81%	43.81%	43.81%	43.81%	43.80%	43.80%	43.35%	43.10%	43.38%	43.38%
No. of Shareholders	1,033	1,197	1,205	4,929	5,151	4,746	3,879	3,234	4,152	5,965	8,009	11,021

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Dec 2023
	50.82%	50.82%	50.82%	50.82%	50.82%	54.63%	55.09%	55.62%
	0.00%	0.00%	0.00%	1.57%	1.57%	1.57%	1.57%	1.01%
	49.18%	49.18%	49.18%	47.61%	47.61%	43.81%	43.35%	43.38%
No. of Shareholders	890	958	968	1,031	1,033	5,151	4,152	11,021

* 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

Documents

Announcements

Annual reports