Comfort Fincap Ltd - Stock Valuation and Financial Performance

BSE: 535267 | NSE: | Finance - NBFC | Small Cap

Comfort Fincap Share Price

9 0.01 0.11%
as on 12-Feb'25 16:59

DeciZen - make an informed investing decision on Comfort Fincap

M-Cap below 100cr DeciZen not available

Comfort Fincap stock performance -
9 -1.00-10.00% past year

Price Chart, Live Stock Chart, Technical Chart of
P/E Ratio (SA):
13.22
Market Cap:
66.9 Cr.
52-wk low:
7.6
52-wk high:
14.2

Is Comfort Fincap Ltd an attractive stock to invest in?

1. Is Comfort Fincap Ltd a good quality company?

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

2. Is Comfort Fincap Ltd undervalued or overvalued?

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

3. Is Comfort Fincap Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Comfort Fincap 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 Comfort Fincap:

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.
Comfort Fincap 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.)
44.55.47.37.47.711.112.414.713.914
YoY Gr. Rt. %
-13.3%19.7%35.9%0.7%4.2%44.6%11.6%18%-5.2%-
Adj EPS (₹ )
0.40.40.40.50.50.20.80.80.210.7
YoY Gr. Rt. %
-7.9%-12.2%25%13.3%-54.9%234.8%6.5%-78.1%427.8%-
BVPS (₹ )
4.44.85.15.56.56.77.58.31.810.19.2
YoY Gr. Rt. %
-8.4%6.5%8.9%18.3%3.2%11.4%10.9%-77.9%450.5%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
7.985.45.55.42.26.45.25.56.40

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income14.9%13.5%7.7%-5.2%
Adj EPS10.7%13.3%7.3%427.8%
BVPS9.7%9.2%10.5%450.5%
Share Price -6.9% 53.1% 9.6% -13.8%

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 (%)
5249.93633.137.716.137.635.633.13737
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)
99.17.38.58.53.410.810.310.29.87.3

Recent Performance Summary

Total Income has increased 7.69 CAGR in last 3 years

Net Profit has increased 7.25 CAGR in last 3 years

Return on Equity has declined versus last 3 years average to 7.00%

Total income growth is poor in last 4 quarters

Latest Financials - Comfort Fincap Ltd.

Standalone Consolidated
TTM EPS (₹) 0.7 0.7
TTM Sales (₹ Cr.) 13.7 13.7
BVPS (₹.) 9.2 9.2
Reserves (₹ Cr.) 54 54
P/BV 0.98 0.98
PE 13.22 13.18
From the Market
52 Week Low / High (₹) 7.60 / 14.15
All Time Low / High (₹) 0.77 / 91.00
Market Cap (₹ Cr.) 66.9
Equity (₹ Cr.) 14.9
Face Value (₹) 2
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 Income3.5 19.63.9 14.93.1 -14.53.1 -2.5
Adj EPS (₹)0.14 -17.70.35 250.19 -36.70.22 -8.3
Net Profit Mgn %20.76 -1072 bps48.66 497 bps33.40 -1001 bps44.15 377 bps

Management X-Ray of Comfort Fincap:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:57.37%Institutions:0%Non-Institutions:42.63%

Promoter's Holding & Share Pledging

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

Valuation of Comfort Fincap

MRP
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MOS
spaceLock icon%
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 Comfort Fincap

Adj EPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of

Total Income (Cr.)

Price Chart, Live Stock Chart, Technical Chart of

ROE (%)

Price Chart, Live Stock Chart, Technical Chart of

BVPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of
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
Income3.984.525.437.357.437.7211.1412.5014.8313.96
Interest Income3.984.515.407.347.397.7011.1312.4214.6613.90
Other Income 00.010.030.020.040.020.010.080.170.06
Expenditure 1.341.522.613.973.535.845.566.308.296.70
Interest Expense 0.340.320.752.091.361.692.683.415.022.67
Operating Expenses 0.711.141.411.811.951.552.052.412.723.32
Provisions 0.290.060.450.060.232.590.830.480.560.71
Exceptional Items 0000000000
Profit Before Tax 2.6532.823.393.901.895.586.206.547.26
Taxes 0.570.750.880.961.110.651.401.771.692.11
Profit After Tax 2.072.251.942.432.781.244.184.424.865.15
Adjusted EPS (₹)0.40.40.40.50.50.20.80.80.21.0
Dividend Payout Ratio (%)10%10%11%11%0%0%0%0%0%11%

Balance Sheet

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

Equity and Liabilities

Equity Capital23.8525.8427.5329.9635.4336.5740.7545.1749.8654.98
Share Capital 10.8510.8510.8510.8510.8510.8510.8510.8510.8510.85
Reserves 1314.9916.6819.1124.5825.7129.8934.3239.0144.13
Minority Interest0000000000
Long Term Borrowings00001.080.460.100.240.180.75
Current Liabilities 2.633.8015.1116.0420.9920.3432.6552.1028.8427.35
Trade Payables000.090.120.070.120.490.260.090.09
Short term borrowings1.602.5414.0115.1319.9218.9830.6751.0727.6126.07
Other Liabilities-1.61-2.54-14.10-15.26-19.99-19.11-31.16-51.33-27.71-26.16
Total Liabilities 26.4829.6442.6445.9957.5157.3673.5097.5178.8883.09

Assets

Non Current Asset 2.753.042.682.629.426.133.383.843.998.05
Loan Asset 0000000000
Other Non Current Asset 2.753.042.682.629.426.133.383.843.998.05
Current Asset 23.7126.6039.9643.3848.0951.2370.1293.6874.8975.04
Current Investment0000000000
Other Current Asset23.7126.6039.9643.3848.0951.2370.1293.6874.8975.04
Total Assets 26.4829.6442.6445.9957.5157.3673.5097.5178.8883.09

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity -2.31-0.27-11.361.20-4.530.51-13.11-15.01274.17
Cash Flow From Investing Activity 2.510.340.670.14-0.011.354.110-0.01-0.70
Cash Flow From Financing Activity -2.110.3510.51-1.233.11-2.63917-28.47-4.22
Net Cash Flow -1.900.42-0.180.11-1.43-0.7601.98-1.48-0.75
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)2222314411
DPS (₹)0000000000
BVPS (₹)2224252833343842910

Performance Ratios

ROA (%)7.98.05.45.55.42.26.45.25.56.4
ROE (%)9.09.17.38.58.53.410.810.310.29.8
ROCE (%)11.812.410.212.710.56.513.011.513.312.5

Valuation Parameters

Price/Book(x)3.40.50.60.60.40.10.30.54.60.9

Comfort Fincap Ltd Stock News

Comfort Fincap Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Comfort Fincap on 12-Feb-2025 16:59 is ₹9.00.
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 Comfort Fincap stood at ₹66.91.
The latest P/E ratio of Comfort Fincap as of 12-Feb-2025 16:59 is 13.22.
The latest P/B ratio of Comfort Fincap as of 12-Feb-2025 16:59 is 0.98.
The 52-week high of Comfort Fincap is ₹14.15 and the 52-week low is ₹7.60.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Comfort Fincap is ₹13.67 ( Cr.) .

About Comfort Fincap Ltd

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