Credent Global Finance Ltd
Incorporated in 1991, Oracle Credit Ltd is in
the business of granting loans and making investments[1]
- Market Cap ₹ 151 Cr.
- Current Price ₹ 29.2
- High / Low ₹ 47.6 / 20.7
- Stock P/E 47.3
- Book Value ₹ 14.5
- Dividend Yield 0.00 %
- ROCE -4.04 %
- ROE -9.21 %
- Face Value ₹ 2.00
Pros
Cons
- Promoter holding is low: 31.1%
- Company has a low return on equity of 0.93% over last 3 years.
- Earnings include an other income of Rs.4.16 Cr.
- Promoter holding has decreased over last 3 years: -15.0%
- Working capital days have increased from -72.8 days to 88.0 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.
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
---|---|---|---|---|---|
1.70 | 19.47 | 12.77 | 17.30 | 12.33 | |
0.42 | 6.99 | 9.24 | 20.52 | 8.43 | |
Operating Profit | 1.28 | 12.48 | 3.53 | -3.22 | 3.90 |
OPM % | 75.29% | 64.10% | 27.64% | -18.61% | 31.63% |
0.20 | 0.10 | 0.00 | 0.84 | 4.16 | |
Interest | 0.00 | 1.89 | 2.37 | 2.28 | 2.22 |
Depreciation | 0.00 | 0.61 | 1.02 | 1.45 | 1.34 |
Profit before tax | 1.48 | 10.08 | 0.14 | -6.11 | 4.50 |
Tax % | 27.70% | 33.23% | -857.14% | 10.31% | |
1.07 | 6.74 | 1.34 | -6.74 | 3.18 | |
EPS in Rs | 0.25 | 1.29 | 0.26 | -1.31 | 0.62 |
Dividend Payout % | 0.00% | 5.15% | 0.00% | 0.00% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | 117% |
TTM: | -15% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | % |
TTM: | 137% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | 80% |
3 Years: | 2% |
1 Year: | 1% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | 1% |
Last Year: | -9% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|
Equity Capital | 5.55 | 6.94 | 10.29 | 10.29 |
Reserves | 1.68 | 17.52 | 62.47 | 64.45 |
0.14 | 40.35 | 22.48 | 22.09 | |
0.55 | 11.00 | 12.55 | 14.96 | |
Total Liabilities | 7.92 | 75.81 | 107.79 | 111.79 |
0.04 | 11.96 | 16.26 | 16.91 | |
CWIP | 0.00 | 0.00 | 0.00 | 0.00 |
Investments | 0.00 | 27.67 | 33.17 | 18.50 |
7.88 | 36.18 | 58.36 | 76.38 | |
Total Assets | 7.92 | 75.81 | 107.79 | 111.79 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|
-5.86 | -23.63 | -18.36 | -11.22 | |
0.19 | -17.41 | -12.58 | 15.26 | |
5.69 | 44.19 | 28.95 | -2.68 | |
Net Cash Flow | 0.02 | 3.15 | -1.99 | 1.37 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|
Debtor Days | 0.00 | 12.19 | 63.17 | 46.42 |
Inventory Days | ||||
Days Payable | ||||
Cash Conversion Cycle | 0.00 | 12.19 | 63.17 | 46.42 |
Working Capital Days | 103.06 | -117.35 | -188.93 | 87.98 |
ROCE % | 33.17% | 3.14% | -4.04% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Change in Management
8 Sep - Samir Agarwal reappointed CEO for financial year 2025–2026, announced 08.09.2025.
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Letter Sent To Shareholders Pursuant To Regulation 36(1)(B) Of The SEBI (Listing Obligations And Disclosures Requirements), Regulations, 2015.
2 Sep - 35th AGM on September 26, 2025 at 03:30 PM; annual report available at https://credentglobal.com/#/annual-report
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
2 Sep - Newspaper advertisement regarding Notice of 35th Annual General Meeting , Book Closure and E-voting information for FY 2024-25.
- Book Closure Intimation For The Purpose Of 35Th Annual General Meeting Is To Be Held On 26Th September 2025 1 Sep
- Notice Of 35Th Annual General Meeting Of The Company For The Financial Year 2024-25. 1 Sep
Annual reports
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Financial Year 2025
from bse
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Financial Year 2024
from bse
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Financial Year 2023
from bse
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Financial Year 2022
from bse
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Financial Year 2021
from bse
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Financial Year 2020
from bse
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Financial Year 2019
from bse
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Financial Year 2018
from bse
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Financial Year 2017
from bse
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Financial Year 2016
from bse
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Financial Year 2015
from bse
Registration:[1]
Company is a Non Systematically Important
Non-Deposit accepting Non-Banking Finance Company