Is Comfort Intech a good quality company?

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

Is Comfort Intech undervalued or overvalued?

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

What is Comfort Intech share price return in the past 10 years?

Comfort Intech Ltd share price has appreciated 21.7% annually (CAGR) over the past ten years.

Is Comfort Intech a good buy now?

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.

Comfort Intech Ltd - Stock Valuation and Financial Performance

Name: Comfort Intech
Brand: Comfort Intech

BSE: 531216 | NSE: | Finance - NBFC | Small Cap

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Comfort Intech Share Price

₹11.76 -0.57 -4.62%
as on 21-Nov'24 16:59

10 Year X-Ray of Comfort Intech:

Analysis of Financial Track Record

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

Standalone Basis ^P Consolidated Basis ^P

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 ⓘ

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	21.7%	88.1%	58.2%	44.8%

Key Financial Ratios


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	5.1

Recent Performance Summary

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

Latest Financials - Comfort Intech Ltd.

	Standalone	Consolidated
TTM EPS (₹)	0.2	0.7
TTM Sales (₹ Cr.)	215	219
BVPS (₹.) ⓘ	4.8	6.1
Reserves (₹ Cr.) ⓘ	120	162
P/BV ⓘ	2.60	2.04
PE ⓘ	52.00	17.31

From the Market
52 Week Low / High (₹)	7.40 / 21.21
All Time Low / High (₹)	0.06 / 21.21
Market Cap (₹ Cr.)	394
Equity (₹ Cr.)	32
Face Value (₹)	1
Industry PE ⓘ	27.8

Management X-Ray of Comfort Intech:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

10.03

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

Valuation of Comfort Intech

Price Calculator

Price Chart

Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

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Key Ratios of Comfort Intech

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

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%

Balance Sheet

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

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

Cash Flow

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Cash Flow From Operating Activity ⓘ	9	3	-5	12	-5	-1	-13	5	-3	-8
Cash Flow From Investing Activity ⓘ	0	-1	2	1	-3	-1	6	1	-1	-4
Cash Flow From Financing Activity ⓘ	-13	1	-3	0	1	-1	8	-8	4	12
Net Cash Flow ⓘ	-4	3	-6	12	-7	-3	1	-3	0	0

Finance Ratio

Standalone Basis Consolidated Basis

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

Comfort Intech Ltd Stock News

Comfort Intech Ltd FAQs

What is the share price of Comfort Intech?

Company share prices are keep on changing according to the market conditions. The closing price of Comfort Intech on 21-Nov-2024 16:59 is ₹11.76.

What is the market cap of Comfort Intech?

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 16:59 the market cap of Comfort Intech stood at ₹394.5.

What is the P/E ratio of Comfort Intech?

The latest P/E ratio of Comfort Intech as of 21-Nov-2024 16:59 is 52.00.

What is the P/B ratio of Comfort Intech?

The latest P/B ratio of Comfort Intech as of 21-Nov-2024 16:59 is 2.60.

What is the 52-week high and low of Comfort Intech?

The 52-week high of Comfort Intech is ₹21.21 and the 52-week low is ₹7.40.

What is the TTM revenue of Comfort Intech?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Comfort Intech is ₹215.1 ( Cr.) .

About Comfort Intech Ltd

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 India. It deals in shares and securities, granting of corporate and non-corporate loans, investments and some software operations.

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 â€“

Syndication of rupee & foreign currency loans
Trade finance & bill discounting against L/C
Inter Corporate Loans
Loans against listed shares

b) Financial Management -

Project appraisal and prefeasibility/ feasibility study.
Consultancy in financial restructuring/reengineering
Private placement of equity, debt and hybrid instruments.
Consultancy through mergers, reverse mergers & acquisitions.

c) Investment Advisory -

Fixed & variable income products, advisory and distribution
Mutual Funds advisory and distribution

d) Personalized Loans -

Housing loans
Car loans
Personal loans
Loan against property.

e) Market Research -

Market Surveys
Compilation of Research activities
Portfolio analysis on behalf of clients
Competitive analysis

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.