Ceejay Finance Ltd - Stock Valuation and Financial Performance

BSE: 530789 | NSE: | Finance - NBFC | Small Cap

Ceejay Finance Share Price

210.40 -13.85 -6.18%
as on 12-Feb'25 16:59

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Ceejay Finance stock performance -

P/E Ratio (SA):
9.99
Market Cap:
72.6 Cr.
52-wk low:
171.1
52-wk high:
342.2

Is Ceejay Finance Ltd an attractive stock to invest in?

1. Is Ceejay Finance Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Ceejay Finance Ltd is a below average quality company.

2. Is Ceejay Finance Ltd undervalued or overvalued?

The key valuation ratios of Ceejay Finance Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.

3. Is Ceejay Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Ceejay Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of Ceejay Finance:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Ceejay Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)
11.612.314.316.414.817.31617.919.820.723
YoY Gr. Rt. %
-6%16.3%14.9%-9.8%17%-7.6%11.6%11%4.5%-
Adj EPS (₹ )
10.810.913.616.114141314.419.819.121.1
YoY Gr. Rt. %
-0.7%24.5%19%-13.2%-0.1%-7.2%11.2%37.7%-4%-
BVPS (₹ )
77.386.399.9114.2126.3138.7151164.6183.5201.5213.2
YoY Gr. Rt. %
-11.7%15.7%14.3%10.6%9.8%8.9%9%11.5%9.8%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
7.97.58.28.36.86.466.57.86.60

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income6.7%7%9%4.5%
Adj EPS6.5%6.4%13.7%-4%
BVPS11.2%9.8%10.1%9.8%
Share Price 16.9% 13.8% 27.7% 2.3%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)
0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%)
0000000000-
Margins
Net Profit Margin (%)
32.230.632.833.932.627.92827.934.531.732.2
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)
14.813.314.615.111.610.599.111.49.99.9

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 10.20%

Total Income has increased 9.00 CAGR in last 3 years

Net Profit has increased 13.70 CAGR in last 3 years

Total income growth is not so good in last 4 quarters

No data to display

Latest Financials - Ceejay Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 21.1 -
TTM Sales (₹ Cr.) 22.6 -
BVPS (₹.) 213.2 -
Reserves (₹ Cr.) 70 -
P/BV 0.99 -
PE 9.99 -
From the Market
52 Week Low / High (₹) 171.05 / 342.20
All Time Low / High (₹) 0.54 / 342.20
Market Cap (₹ Cr.) 72.6
Equity (₹ Cr.) 3.5
Face Value (₹) 10
Industry PE 27.1

Quarterly Results

 Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %Dec'24 YoY Gr. Rt. %
Operating Income0.2 109.10.2 21.10.2 35.30.2 29.4
Adj EPS (₹)0.04 3000.01 00.01 00.00 N/A
Net Profit Mgn %4.10 -499 bps5.75 -10 bps5.58 -189 bps12.22 563 bps

Management X-Ray of Ceejay Finance:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:59.03%Institutions:0%Non-Institutions:40.97%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%10%20%30%40%50%60%70%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of Ceejay Finance

MRP
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MOS
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DP
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Base BVPS
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DPS
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MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

No data found!

Key Ratios of Ceejay Finance

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Piramal Enterprises 978.3 19.6 (2%) Small Cap 10,020 23.1 -16.8 42.4 0.8
Edelweiss Financial 105.4 -3.8 (-3.5%) Small Cap 9,500 4.9 5.6 21.6 1.9
Manappuram Finance 191.7 -5.7 (-2.9%) Small Cap 8,848 26.7 24.8 7.2 1.3
CreditAccess Grameen 998.1 2.8 (0.3%) Small Cap 5,167 55.2 28 18.1 2.3
Spandana Sphoorty 313.9 -12.7 (-3.9%) Small Cap 2,424 -66.2 20.7 - 0.7
Fusion Finance 172.5 0.9 (0.5%) Small Cap 2,317 -8.1 21.8 - 0.7
Muthoot Microfin 147.5 -3.7 (-2.5%) Small Cap 2,270 17.5 19.8 8.4 0.8
Five Star Business 698.8 -1.8 (-0.3%) Small Cap 2,183 35 38.3 20 3.4
Northern ARC Capital 182 -2.3 (-1.2%) Small Cap 1,829 17.4 15.3 10.5 0.9
Fedbank Financial 91.8 -1 (-1.1%) Small Cap 1,577 5.9 15.5 15.5 1.4
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income11.6012.2814.2816.4215.5117.3516.8417.9621.2021.45
Interest Income11.5812.2714.2716.3914.7917.3015.9917.8519.8220.71
Other Income 0.030.010.010.040.730.050.850.111.370.74
Expenditure 6.096.657.298.658.8510.9710.8111.0112.3512.57
Interest Expense 2.252.082.422.922.272.412.222.413.333.41
Operating Expenses 3.613.954.544.954.676.706.116.257.708.26
Provisions 0.230.610.330.771.911.872.482.361.320.89
Exceptional Items 0000000000
Profit Before Tax 5.515.646.997.786.666.386.036.948.848.88
Taxes 1.791.892.312.221.841.561.561.9722.31
Profit After Tax 3.733.754.675.564.824.824.474.976.846.57
Adjusted EPS (₹)10.810.913.616.114.014.013.014.419.819.1
Dividend Payout Ratio (%)13%14%11%16%11%7%8%7%6%6%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital26.6729.7834.4639.4043.5947.8452.1056.7963.3169.52
Share Capital 3.453.453.453.453.453.453.453.453.453.45
Reserves 23.2226.3331.0135.9540.1444.3948.6553.3459.8666.07
Minority Interest0000000000
Long Term Borrowings0.020.060.060.07-0.55-0.72-0.61-0.62-0.74-0.63
Current Liabilities 23.1020.5128.7430.8428.9431.6119.6226.1631.2236.03
Trade Payables0.380.890.611.010.751.120.661.031.891.79
Short term borrowings21.0317.8526.7028.5227.0229.7118.4324.0828.3733.08
Other Liabilities-21.41-18.74-27.31-29.53-27.77-30.83-19.09-25.11-30.26-34.87
Total Liabilities 49.7950.3563.2670.3271.9878.7371.1182.3393.79104.92

Assets

Non Current Asset 11.8314.8321.4321.0767.7475.8967.5278.2989.93100.75
Loan Asset 10.4313.5019.3819.6666.3874.3765.987788.4993.97
Other Non Current Asset 1.391.332.051.411.361.511.551.291.446.78
Current Asset 37.9635.5241.8349.254.242.853.594.043.864.17
Current Investment0.180.180.180.180.420.240.360.440.470
Other Current Asset37.7835.3541.6649.073.822.613.233.603.394.17
Total Assets 49.7950.3563.2670.3271.9878.7371.1182.3393.79104.92

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity -0.943.54-7.931.514.17-0.7914.31-4.98-4.140.20
Cash Flow From Investing Activity -0.22-0.08-0.19-0.04-0.43-0.08-0.16-0.08-0.32-4.80
Cash Flow From Financing Activity 1.56-3.728.251.21-4.83-0.34-13.865.303.954.29
Net Cash Flow 0.41-0.250.132.69-1.10-1.220.290.24-0.51-0.31
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)11111416141413142019
DPS (₹)1223211111
BVPS (₹)7786100114126139151165184202

Performance Ratios

ROA (%)7.97.58.28.36.86.46.06.57.86.6
ROE (%)14.813.314.615.111.610.59.09.111.49.9
ROCE (%)17.216.217.316.612.911.911.212.414.112.7

Valuation Parameters

Price/Book(x)0.70.40.61.50.80.40.50.70.60.9

Ceejay Finance Ltd Stock News

Ceejay Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Ceejay Finance on 12-Feb-2025 16:59 is ₹210.4.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 12-Feb-2025 16:59 the market cap of Ceejay Finance stood at ₹72.59.
The latest P/E ratio of Ceejay Finance as of 12-Feb-2025 16:59 is 9.99.
The latest P/B ratio of Ceejay Finance as of 12-Feb-2025 16:59 is 0.99.
The 52-week high of Ceejay Finance is ₹342.2 and the 52-week low is ₹171.1.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Ceejay Finance is ₹22.61 ( Cr.) .

About Ceejay Finance Ltd

Ceejay Finance was incorporated on May 31, 1993. The company has operations in retail lending through leasing, hire purchase, auto financing, bills discounting and provides loans for commercial vehicles, cars, two-wheelers, three-wheelers and consumer durables.

The registered office of the company is located at CJ House, Mota Pore, Kheda-387001, Gujarat. 

Business area of the company

The company is engaged in financial and non-financial services comprising of both funds and non-fund-based activities.

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