Credent Global Finance Ltd - Stock Valuation and Financial Performance

BSE: 539598 | NSE: | Finance - NBFC | Small Cap

Credent Global Fin. Share Price

30.94 -0.63 -2.00%
as on 11-Feb'25 16:59

DeciZen - make an informed investing decision on Credent Global Fin.

Overall Rating
M-Cap below 500cr. High Risk from low Liquidity Bole Toh

1. Quality

2. Valuation

Somewhat Undervalued

3. Price Trend

Credent Global Finance stock performance -
30.94 3.0011.00% past year

Price Chart, Live Stock Chart, Technical Chart of
P/E Ratio (SA):
46.82
Market Cap:
159.2 Cr.
52-wk low:
21.3
52-wk high:
47.6

Is Credent Global Finance Ltd an attractive stock to invest in?

1. Is Credent Global Finance Ltd a good quality company?

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

2. Is Credent Global Finance Ltd undervalued or overvalued?

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

3. Is Credent Global Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Credent Global 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 Credent Global 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.
Credent Global 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.)
0.20.20.30.30.30.30.40.6378
YoY Gr. Rt. %
-4.4%8.3%-3.9%8%7.4%20.7%74.3%398.4%129%-
Adj EPS (₹ )
0-0.100000.10.20.40.40.7
YoY Gr. Rt. %
--700%NA0%300%0%50%150%146.7%10.8%-
BVPS (₹ )
21.91.91.9222.12.2412.312.7
YoY Gr. Rt. %
--3.1%1.1%0.5%2.1%2%3%6.7%78.4%210.4%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
0.5-30.60.71.92.22.76.65.83.50

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income46.1%91.5%170.9%129%
Adj EPS51.1%59.3%89.8%10.8%
BVPS22.6%44.1%80.8%210.4%
Share Price - 70.8% 51.7% 10.5%

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 (%)
11.5-70.813.414.93942.845.968.543.430.542.3
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)
0.5-30.60.71.92.22.76.812.95.55.2

Recent Performance Summary

Total Income has increased 170.92 CAGR in last 3 years

Net Profit has increased 89.76 CAGR in last 3 years

Total income growth is good in last 4 quarters

Return on Equity has declined versus last 3 years average to 5.30%

Latest Financials - Credent Global Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 0.7 -1.5
TTM Sales (₹ Cr.) 8 10
BVPS (₹.) 12.7 14
Reserves (₹ Cr.) 55 62
P/BV 2.45 2.20
PE 46.82 0.00
From the Market
52 Week Low / High (₹) 21.25 / 47.60
All Time Low / High (₹) 1.55 / 66.16
Market Cap (₹ Cr.) 159
Equity (₹ Cr.) 10.3
Face Value (₹) 2
Industry PE 27.1

Quarterly Results

 Dec'23 YoY Gr. Rt. %Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %
Operating Income2.1 358.72 360.52 75.71.9 76.2
Adj EPS (₹)1.42 84.40.25 733.30.84 1000.16 700
Net Profit Mgn %55.12 -196 bps12.94 967 bps42.96 1714 bps40.29 3096 bps

Management X-Ray of Credent Global Fin.:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:31.09%Institutions:0.29%Non-Institutions:68.62%

Promoter's Holding & Share Pledging

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

Valuation of Credent Global Fin.

MRP
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MOS
spaceLock icon%
DP
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Base BVPS
spaceLock icon
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 Credent Global Fin.

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 958.8 -52.7 (-5.2%) Small Cap 10,020 23.1 -16.8 41.6 0.8
Edelweiss Financial 109.2 1.4 (1.3%) Small Cap 9,500 4.9 5.6 22.3 2
Manappuram Finance 197.4 -7.5 (-3.6%) Small Cap 8,848 26.7 24.8 7.4 1.3
CreditAccess Grameen 995.3 -61.1 (-5.8%) Small Cap 5,167 55.2 28 18 2.3
Spandana Sphoorty 326.6 -12.4 (-3.7%) Small Cap 2,424 -66.2 20.7 - 0.8
Fusion Finance 171.6 -7.9 (-4.4%) Small Cap 2,317 -8.1 21.8 - 0.7
Muthoot Microfin 151.2 -4.5 (-2.9%) Small Cap 2,270 17.5 19.8 8.6 0.9
Five Star Business 700.6 -26.2 (-3.6%) Small Cap 2,183 35 38.3 20 3.4
Northern ARC Capital 184.3 -3.1 (-1.6%) Small Cap 1,829 17.4 15.3 10.6 0.9
Fedbank Financial 92.8 -1.8 (-1.9%) Small Cap 1,577 5.9 15.5 15.6 1.4
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income0000000137
Interest Income0000000137
Other Income 0000000000
Expenditure 0000000014
Interest Expense 0000000001
Operating Expenses 0000000012
Provisions 0000000001
Exceptional Items 0000000000
Profit Before Tax 0000000123
Taxes 0000000011
Profit After Tax 0000000012
Adjusted EPS (₹)0.0-0.10.00.00.00.00.10.20.40.4
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%26%0%

Balance Sheet

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

Equity and Liabilities

Equity Capital656666661463
Share Capital 66666666710
Reserves 00000001753
Minority Interest0000000000
Long Term Borrowings0000000011
Current Liabilities 000000002417
Trade Payables0000000000
Short term borrowings000000001912
Other Liabilities00000000-19-12
Total Liabilities 666666673981

Assets

Non Current Asset 322222001212
Loan Asset 0000000000
Other Non Current Asset 322222001212
Current Asset 333344662768
Current Investment0000000000
Other Current Asset333344662768
Total Assets 666666673981

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 0-1000000-12-41
Cash Flow From Investing Activity 00000000-110
Cash Flow From Financing Activity 000000002639
Net Cash Flow 000000003-3
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)0000000122
DPS (₹)0000000010
BVPS (₹)10101010101011112061

Performance Ratios

ROA (%)0.5-3.00.60.71.92.22.76.65.83.5
ROE (%)0.5-3.00.60.71.92.22.76.812.95.5
ROCE (%)0.7-3.01.11.02.53.03.79.210.77.4

Valuation Parameters

Price/Book(x)0.00.00.01.01.20.90.04.03.42.4

Credent Global Finance Ltd Stock News

Credent Global Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Credent Global Fin. on 11-Feb-2025 16:59 is ₹30.94.
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 11-Feb-2025 16:59 the market cap of Credent Global Fin. stood at ₹159.2.
The latest P/E ratio of Credent Global Fin. as of 11-Feb-2025 16:59 is 46.82.
The latest P/B ratio of Credent Global Fin. as of 11-Feb-2025 16:59 is 2.45.
The 52-week high of Credent Global Fin. is ₹47.60 and the 52-week low is ₹21.25.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Credent Global Fin. is ₹8.03 ( Cr.) .

About Credent Global Finance Ltd

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