Credent Global Finance Ltd
Incorporated in 1991, Oracle Credit Ltd is in
the business of granting loans and making investments[1]
- Market Cap ₹ 146 Cr.
- Current Price ₹ 142
- High / Low ₹ 172 / 101
- Stock P/E 77.3
- Book Value ₹ 59.8
- Dividend Yield 0.34 %
- ROCE 10.4 %
- ROE 12.9 %
- Face Value ₹ 10.0
Pros
- Company is almost debt free.
Cons
- Promoter holding is low: 31.1%
- Company has a low return on equity of 8.54% 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
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
0.13 | 0.10 | 0.08 | 0.23 | 0.25 | 0.26 | 0.25 | 0.27 | 0.29 | 0.35 | 0.78 | 3.04 | 5.57 | |
0.04 | 0.06 | 0.07 | 0.20 | 0.42 | 0.20 | 0.19 | 0.13 | 0.12 | 0.14 | 0.22 | 0.73 | 1.59 | |
Operating Profit | 0.09 | 0.04 | 0.01 | 0.03 | -0.17 | 0.06 | 0.06 | 0.14 | 0.17 | 0.21 | 0.56 | 2.31 | 3.98 |
OPM % | 69.23% | 40.00% | 12.50% | 13.04% | -68.00% | 23.08% | 24.00% | 51.85% | 58.62% | 60.00% | 71.79% | 75.99% | 71.45% |
0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.27 | 0.97 |
Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.17 | 0.44 |
Profit before tax | 0.09 | 0.04 | 0.01 | 0.04 | -0.17 | 0.06 | 0.06 | 0.14 | 0.17 | 0.21 | 0.56 | 1.87 | 2.57 |
Tax % | 33.33% | -50.00% | 0.00% | 25.00% | 0.00% | 33.33% | 33.33% | 28.57% | 23.53% | 23.81% | 26.79% | 29.41% | |
0.06 | 0.05 | 0.01 | 0.03 | -0.17 | 0.03 | 0.04 | 0.10 | 0.13 | 0.16 | 0.42 | 1.32 | 1.89 | |
EPS in Rs | 0.07 | 0.06 | 0.01 | 0.04 | -0.20 | 0.04 | 0.05 | 0.12 | 0.16 | 0.19 | 0.51 | 1.27 | 1.84 |
Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 26.29% |
Compounded Sales Growth | |
---|---|
10 Years: | 41% |
5 Years: | 65% |
3 Years: | 119% |
TTM: | 195% |
Compounded Profit Growth | |
---|---|
10 Years: | 39% |
5 Years: | 101% |
3 Years: | 117% |
TTM: | 29% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | 62% |
3 Years: | 154% |
1 Year: | 21% |
Return on Equity | |
---|---|
10 Years: | 3% |
5 Years: | 6% |
3 Years: | 9% |
Last Year: | 13% |
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 | 5.55 | 5.55 | 5.55 | 5.55 | 5.55 | 5.55 | 5.55 | 5.55 | 5.55 | 5.55 | 5.55 | 6.94 | 10.29 |
Reserves | 0.02 | 0.07 | 0.07 | 0.09 | -0.07 | -0.04 | 0.00 | 0.10 | 0.23 | 0.39 | 0.80 | 7.21 | 51.23 |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 20.54 | 0.88 | |
0.03 | 0.16 | 0.16 | 0.02 | 0.07 | 0.09 | 0.07 | 0.06 | 0.05 | 0.10 | 0.15 | 4.68 | 19.42 | |
Total Liabilities | 5.60 | 5.78 | 5.78 | 5.66 | 5.55 | 5.60 | 5.62 | 5.71 | 5.83 | 6.04 | 6.50 | 39.37 | 81.82 |
0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.05 | 0.84 | |
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 | 2.16 | 2.16 | 2.20 | 2.01 | 1.63 | 1.55 | 1.55 | 0.06 | 0.06 | 0.02 | 0.02 | 11.03 | 11.03 |
3.43 | 3.61 | 3.57 | 3.65 | 3.92 | 4.05 | 4.07 | 5.65 | 5.77 | 6.02 | 6.48 | 27.29 | 69.95 | |
Total Assets | 5.60 | 5.78 | 5.78 | 5.66 | 5.55 | 5.60 | 5.62 | 5.71 | 5.83 | 6.04 | 6.50 | 39.37 | 81.82 |
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
0.07 | 0.17 | -0.36 | -0.54 | 0.13 | -0.22 | 0.04 | -0.02 | -0.43 | -0.21 | -12.20 | ||
0.00 | 0.00 | 0.21 | 0.39 | 0.08 | 0.00 | 0.00 | 0.00 | 0.43 | 0.18 | -10.82 | ||
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 25.76 | ||
Net Cash Flow | 0.07 | 0.17 | -0.15 | -0.16 | 0.21 | -0.22 | 0.04 | -0.02 | 0.00 | -0.03 | 2.74 |
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 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 26.41 |
Inventory Days | ||||||||||||
Days Payable | ||||||||||||
Cash Conversion Cycle | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 26.41 |
Working Capital Days | 9,265.38 | 11,972.00 | 11,360.62 | 4,522.83 | 4,526.00 | 4,408.08 | 4,949.40 | 2,744.26 | 2,555.00 | 1,658.14 | 402.44 | -505.48 |
ROCE % | 1.62% | 0.71% | 0.18% | 0.53% | -3.06% | 1.09% | 1.08% | 2.50% | 2.97% | 3.58% | 9.11% | 10.43% |
Documents
Announcements
- Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate 15h
- Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate 2 May
- Submission Of Compliance Certificate Under Regulation 40(10) Of SEBI (Listing Obligation And Disclosure Requirements) Regulations, 2015 For Period From 01St April, 2023 To 31St March,2024. 16 Apr
-
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
15 Apr - Certificate under Reg 74(5) of SEBI (DP) Regulations 2018 for the quarter ended 31st March, 2024.
- Compliance Certificate Under Regulation 7(3) Of SEBI (LODR) Regulations, 2015 For The Year Ended 31St March, 2024 12 Apr
Registration:[1]
Company is a Non Systematically Important
Non-Deposit accepting Non-Banking Finance Company