BSE: 531216 | NSE: | Finance - NBFC | Small Cap
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Comfort Intech Ltd is a below average quality company.
The key valuation ratios of Comfort Intech Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Comfort Intech Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 14 | 10.5 | 8.8 | 22.1 | 54 | 86.4 | 122 | 132 | 164 | 185 | 215 | |
| YoY Gr. Rt. % | - | -25% | -16.3% | 152.2% | 144.1% | 59.9% | 41.8% | 7.9% | 24.2% | 12.6% | - | |
| Adj EPS (₹ ) | 0.2 | 0.1 | 0 | 1.5 | 0 | -0 | 0.2 | 0.2 | 0 | 0.2 | 0.2 | |
| YoY Gr. Rt. % | - | -41.2% | -60% | 3575% | -98.6% | -200% | NA | 0% | -86.7% | 1000% | - | |
| BVPS (₹ ) | 2.9 | 3 | 3.1 | 32.4 | 3.2 | 3.1 | 3.2 | 3.3 | 0.3 | 4.2 | 4.8 | |
| YoY Gr. Rt. % | - | 2.8% | 4.1% | 954.4% | -90.2% | -3.5% | 6.2% | 2.8% | -89.8% | 1123.5% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 5.5 | 3.4 | 1.4 | 4.4 | 0.7 | -0.6 | 4 | 3.5 | 4 | 3.8 | 0 | |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 33.2% | 27.9% | 14.7% | 12.6% | ||||||||
| Adj EPS | 2.9% | 61.5% | 13.6% | 1000% | ||||||||
| BVPS | 4.2% | 5.7% | 8.7% | 1123.5% | ||||||||
| Share Price | 18.9% | 92.7% | 70.1% | 45.3% | ||||||||
| RATIOS \ YEARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 39.6 | 31.6 | 15.7 | 21.2 | 1.4 | -0.7 | 3.9 | 3.6 | 3.6 | 3.9 | 3.6 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 6.2 | 3.6 | 1.4 | 4.7 | 0.7 | -0.6 | 4.8 | 4.6 | 5.4 | 5.9 | 5.6 | |
Return on Equity has increased versus last 3 years average to 5.40%
Total Income has increased 14.73 CAGR in last 3 years
Net Profit has increased 13.62 CAGR in last 3 years
Total income growth is good in last 4 quarters
No data to display
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 0.2 | 0.7 |
| TTM Sales (₹ Cr.) | 215 | 219 |
| BVPS (₹.) ⓘ | 4.8 | 6.1 |
| Reserves (₹ Cr.) ⓘ | 105 | 162 |
| P/BV ⓘ | 2.80 | 2.20 |
| PE ⓘ | 56.05 | 18.66 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 8.24 / 21.21 |
| All Time Low / High (₹) | 0.06 / 21.21 |
| Market Cap (₹ Cr.) | 425 |
| Equity (₹ Cr.) | 32 |
| Face Value (₹) | 1 |
| Industry PE ⓘ | 28.2 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 10.03 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income | 14 | 11 | 11 | 23 | 55 | 86 | 123 | 133 | 165 | 187 |
| Interest Income | 14 | 10 | 9 | 22 | 54 | 86 | 122 | 132 | 164 | 185 |
| Other Income ⓘ | 0 | 0 | 2 | 1 | 1 | 0 | 0 | 0 | 1 | 2 |
| Expenditure ⓘ | 8 | 6 | 9 | 17 | 54 | 86 | 117 | 126 | 157 | 177 |
| Interest Expense ⓘ | 1 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 2 |
| Operating Expenses ⓘ | 5 | 5 | 8 | 15 | 53 | 83 | 115 | 125 | 156 | 175 |
| Provisions | 3 | 2 | 0 | 2 | 1 | 3 | 1 | 0 | 0 | 0 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 6 | 4 | 2 | 7 | 1 | 0 | 6 | 7 | 8 | 10 |
| Taxes ⓘ | 0 | 1 | 0 | 2 | 0 | 1 | 1 | 2 | 2 | 2 |
| Profit After Tax | 6 | 3 | 1 | 5 | 1 | -1 | 5 | 5 | 6 | 7 |
| Adjusted EPS (₹) | 0.2 | 0.1 | 0.0 | 1.5 | 0.0 | 0.0 | 0.2 | 0.2 | 0.0 | 0.2 |
| Dividend Payout Ratio (%) | 12% | 19% | 23% | 20% | 0% | 0% | 0% | 33% | 33% | 31% |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital | 92 | 94 | 98 | 104 | 101 | 98 | 104 | 106 | 110 | 133 |
| Share Capital ⓘ | 32 | 32 | 32 | 32 | 32 | 32 | 32 | 32 | 32 | 32 |
| Reserves ⓘ | 60 | 62 | 66 | 72 | 69 | 66 | 72 | 74 | 78 | 101 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long Term Borrowings | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 1 | 1 | 2 |
| Current Liabilities | 4 | 5 | 4 | 8 | 17 | 12 | 31 | 30 | 47 | 85 |
| Trade Payables | 0 | 0 | 2 | 5 | 13 | 8 | 16 | 25 | 35 | 58 |
| Short term borrowings | 2 | 3 | 1 | 2 | 4 | 3 | 11 | 3 | 9 | 23 |
| Other Liabilities | -2 | -3 | -3 | -6 | -16 | -11 | -27 | -28 | -44 | -81 |
| Total Liabilities ⓘ | 95 | 100 | 103 | 112 | 119 | 110 | 135 | 137 | 158 | 220 |
Assets | ||||||||||
| Non Current Asset | 19 | 25 | 38 | 38 | 33 | 37 | 38 | 55 | 56 | 79 |
| Loan Asset | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non Current Asset ⓘ | 19 | 25 | 38 | 38 | 33 | 37 | 38 | 55 | 56 | 79 |
| Current Asset | 77 | 75 | 65 | 74 | 86 | 73 | 96 | 82 | 102 | 141 |
| Current Investment | 0 | 0 | 5 | 4 | 4 | 5 | 2 | 4 | 5 | 7 |
| Other Current Asset | 77 | 75 | 61 | 69 | 82 | 68 | 94 | 78 | 97 | 134 |
| Total Assets ⓘ | 95 | 100 | 103 | 112 | 119 | 110 | 135 | 137 | 158 | 220 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios |
||||||||||
| EPS (₹) | 0 | 0 | 0 | 1 | 0 | 0 | 2 | 2 | 0 | 0 |
| DPS (₹) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 |
| BVPS (₹) | 3 | 3 | 3 | 32 | 32 | 30 | 32 | 33 | 3 | 4 |
Performance Ratios | ||||||||||
| ROA (%) | 5.5 | 3.4 | 1.4 | 4.4 | 0.7 | -0.6 | 4.0 | 3.5 | 4.0 | 3.8 |
| ROE (%) | 6.2 | 3.6 | 1.4 | 4.7 | 0.7 | -0.6 | 4.8 | 4.6 | 5.4 | 5.9 |
| ROCE (%) | 6.5 | 4.4 | 2.0 | 6.7 | 1.2 | 0.2 | 5.9 | 6.5 | 7.6 | 8.2 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.4 | 0.4 | 0.3 | 0.0 | 0.2 | 0.1 | 0.2 | 0.7 | 8.4 | 2.4 |
Established in 1994, Comfort Intech is presently engaged in capital market operations, investments, finance and software activities. The profit making company went for its Initial Public Offering (IPO) in September 1995 for Rs 250 lakh, which was oversubscribed by more then 29 times.
The company, whose shares are listed on Mumbai and Jaipur Stock Exchanges, is managed by professionals from different fields with abundant experience. It is a registered NBFC from Reserve Bank of
The management of the company always had the plans to utilize the expertise for more profitable financial ventures.
The company's main business activities are located in western suburb of Malad, which is already one of the largest consumer market. In this locality, the company has excellent relationships with many reputed dealers of consumer durables who would help the company in reaching its target customers.
Services offered:
a) Corporate Banking –
b) Financial Management -
c) Investment Advisory -
d) Personalized Loans -
e) Market Research -
Future plans:
Comfort Intech plans to enter into the lucrative segment of providing finance for consumer durables to needy individuals. The field is highly remunerative given that the ever diminishing interest rates do not impact this segment.
The company has at its disposal a spacious office premises of about 2,800 square feet with all latest infrastructure and a team of experienced staff members. All that the company needs is a low cost capital which can be deployed in this profitable venture.
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