Classic Leasing & Finance Ltd - Stock Valuation and Financial Performance

BSE: 540481 | NSE: | Finance - NBFC | Small Cap

Classic Leasing &Fin Share Price

38.22 1.82 5.00%
as on 21-Nov'24 15:40

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Classic Leasing & Finance stock performance -

mw4me loader
P/E Ratio (SA):
28.51
Market Cap:
10.9 Cr.
52-wk low:
11
52-wk high:
36.4

Is Classic Leasing & Finance Ltd an attractive stock to invest in?

1. Is Classic Leasing & Finance Ltd a good quality company?

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

2. Is Classic Leasing & Finance Ltd undervalued or overvalued?

The key valuation ratios of Classic Leasing & Finance Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.

3. Is Classic Leasing & Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Classic Leasing & 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 Classic Leasing &Fin:

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.
Classic Leasing & 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.)0.10.10.10.200.100.10.20.41
YoY Gr. Rt. %--45.5%33.3%100%-87.5%450%-100%NA100%143.8%-
Adj EPS (₹ ) 00.10.10.10.1-0.40-260.10.61.3
YoY Gr. Rt. %-150%20%16.7%0%-728.6%NA-260000%NA369.2%-
BVPS (₹ )101010.110.110.29.89.8-16.2-16.1-15.5-15.3
YoY Gr. Rt. %-0.4%0.6%0.7%0.7%-4.4%0.1%-266%NANA-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)0.10.10.20.20.2-1.30-130.626.80

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income15.1%81.1%NA143.8%
Adj EPS46.2%54.2%293.7%369.2%
BVPS-205%-208.7%-216.6%NA
Share Price - 66.1% 10.7% 117.7%

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 (%)5.421.320.512.8109.3-121.51727024.346.773.8
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)0.20.50.60.70.7-4.40.1000-7.7

Recent Performance Summary

Net Profit has increased 293.65 CAGR in last 3 years

Total income growth is good in last 4 quarters

Return on Equity is Poor

Total Income has declined 131.25 CAGR in last 3 years

Latest Financials - Classic Leasing & Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 1.3 -
TTM Sales (₹ Cr.) 0.5 -
BVPS (₹.) -15.3 -
Reserves (₹ Cr.) -8 -
P/BV -2.38 -
PE 28.51 -
From the Market
52 Week Low / High (₹) 11.01 / 36.40
All Time Low / High (₹) 2.50 / 35.68
Market Cap (₹ Cr.) 10.9
Equity (₹ Cr.) 3
Face Value (₹) 10
Industry PE 27.8

Management X-Ray of Classic Leasing &Fin:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of Classic Leasing &Fin

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income0.110.060.080.160.110.190.170.270.330.63
Interest Income0.110.060.080.160.020.1100.080.160.39
Other Income 00000.090.080.170.190.170.24
Expenditure 0.100.050.070.130.080.160.170.260.310.45
Interest Expense 000000000.030.14
Operating Expenses 0.100.050.070.130.080.160.160.260.280.31
Provisions 0000000.01000
Exceptional Items 00000-0.020-7.8000
Profit Before Tax 0.010.020.020.020.030.010-7.790.010.18
Taxes 000000.1400.01-0.030
Profit After Tax 0.010.010.020.020.02-0.130-7.800.040.18
Adjusted EPS (₹)0.00.10.10.10.1-0.40.0-26.00.10.6
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

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

Equity and Liabilities

Equity Capital2.9933.023.043.062.932.93-4.87-4.83-4.64
Share Capital 3333333333
Reserves -0.0100.020.040.06-0.07-0.07-7.87-7.83-7.64
Minority Interest0000000000
Long Term Borrowings0.030.040.040.047.236.396.696.736.328.17
Current Liabilities 7.697.687.677.780.410.540.210.250.330.05
Trade Payables0000000000
Short term borrowings00000.070.050.050.050.050
Other Liabilities0000-0.07-0.05-0.05-0.05-0.050
Total Liabilities 10.7210.7210.7210.8510.719.869.832.111.823.58

Assets

Non Current Asset 8.629.279.319.369.489.388.370.760.780.79
Loan Asset 0000000000
Other Non Current Asset 8.629.279.319.369.489.388.370.760.780.79
Current Asset 2.101.451.411.501.230.481.471.351.042.79
Current Investment0000000000
Other Current Asset2.101.451.411.501.230.481.471.351.042.79
Total Assets 10.7210.7210.7210.8510.719.869.832.111.823.58

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 0.090.600.020.01-0.020.91-1.07-0.040.160.08
Cash Flow From Investing Activity -0.02-0.65-0.02-0.06-0.02-0.050.99-0.200.23-1.72
Cash Flow From Financing Activity 00000.05-0.860.300.04-0.411.66
Net Cash Flow 0.06-0.04-0.01-0.0500.010.22-0.20-0.020.03
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)0000000-2601
DPS (₹)0000000000
BVPS (₹)10101010101010-16-16-15

Performance Ratios

ROA (%)0.10.10.20.20.2-1.30.0-130.02.06.8
ROE (%)0.20.50.60.70.7-4.40.10.00.00.0
ROCE (%)0.30.50.60.80.40.10.0-136.02.712.8

Valuation Parameters

Price/Book(x)0.00.00.00.00.30.01.7-0.9-0.6-0.8

Classic Leasing & Finance Ltd Stock News

Classic Leasing & Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Classic Leasing &Fin on 21-Nov-2024 15:40 is ₹38.22.
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 21-Nov-2024 15:40 the market cap of Classic Leasing &Fin stood at ₹10.92.
The latest P/E ratio of Classic Leasing &Fin as of 21-Nov-2024 15:40 is 28.51.
The latest P/B ratio of Classic Leasing &Fin as of 21-Nov-2024 15:40 is -2.38.
The 52-week high of Classic Leasing &Fin is ₹36.40 and the 52-week low is ₹11.01.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Classic Leasing &Fin is ₹0.52 ( Cr.) .

About Classic Leasing & Finance Ltd

Classic leasing & finance Limited (CLFL) is a leading Indian Non-Banking Finance Company (NBFC) operating since 1984. The company is registered with Reserve Bank of India (RBI) and listed on the Calcutta Stock Exchange (CSE).

As part of its business activities, CLFL is predominantly focused into Asset Financing with initial funding, mezzanine financing, acquisition financing etc. It focuses on products in the structured credit space backed by adequate collaterals and cash flows to build a secured and quality retail lending portfolio.

As part of the diversification and growth plans, in 2014 CLFL forayed into Retail Lending Business with special focus on Priority Sector Lending. The division focuses on generating supreme quality asset book.

Business area of the company

The company’s business segment aims to provide specialized and holistic solutions to Indian customers helping them build and grow their businesses. The company focuses on products in the structured credit space backed by adequate collaterals and cash flows to build a secured and quality portfolio. Under the Lending Business, it provides credit solutions for situations like initial funding requirements, mezzanine financing, acquisition financing, short term and long term working capital requirements, etcetera.

Product and services
  • Project Funding
  • Acquisition Financing
  • Corporate Loan
  • Structured Debt Financing
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