Explicit Finance Ltd - Stock Valuation and Financial Performance

BSE: 530571 | NSE: | Finance - NBFC | Small Cap

Explicit Finance Share Price

8.59 0.00 0.00%
as on 10-Feb'25 16:59

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Explicit Finance stock performance -

P/E Ratio (SA):
63.69
Market Cap:
8 Cr.
52-wk low:
5.1
52-wk high:
10

Is Explicit Finance Ltd an attractive stock to invest in?

1. Is Explicit Finance Ltd a good quality company?

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

2. Is Explicit Finance Ltd undervalued or overvalued?

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

3. Is Explicit Finance Ltd a good buy now?

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

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.
Explicit 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.)
7.25.75.512.24.67.26.211.622.38.81
YoY Gr. Rt. %
--21.6%-2.1%120.6%-62.7%58%-13.2%85.6%92.7%-60.7%-
Adj EPS (₹ )
00-0.4-0.2-0.1-0-0-0.3000.1
YoY Gr. Rt. %
-NANANANANANANANA100%-
BVPS (₹ )
9.59.59.198.68.48.88.58.58.58.5
YoY Gr. Rt. %
-0.1%-4.1%-1.7%-4.5%-1.9%5%-3.4%0.1%0.1%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
00-4.1-1.6-1-0.2-0.4-3.30.10.20

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income2.2%14%12%-60.7%
Adj EPSNANANA100%
BVPS-1.2%-0.1%-1.1%0.1%
Share Price 2.2% 36.5% 33.6% 28.2%

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 (%)
00-6.5-1.1-1.9-0.3-0.5-2.400.217
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)
00-4.2-1.6-1.1-0.2-0.4-3.40.10.21.5

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 1.50%

Total Income has increased 11.97 CAGR in last 3 years

Net Profit has declined 0.00 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - Explicit Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 0.1 -
TTM Sales (₹ Cr.) 0.7 -
BVPS (₹.) 8.5 -
Reserves (₹ Cr.) -1 -
P/BV 1.01 -
PE 63.69 -
From the Market
52 Week Low / High (₹) 5.06 / 9.98
All Time Low / High (₹) 0.05 / 29.00
Market Cap (₹ Cr.) 8
Equity (₹ Cr.) 9.3
Face Value (₹) 10
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 Income0.2 -5.60.2 58.30.2 41.70.2 20
Adj EPS (₹)0.39 N/A-0.19 -151.4-0.10 N/A0.04 N/A
Net Profit Mgn %10.66 1220 bps-6.03 -1550 bps-6.69 809 bps2.04 597 bps

Management X-Ray of Explicit Finance:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:12.09%Institutions:0%Non-Institutions:87.91%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%2%4%6%8%10%12%14%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of Explicit Finance

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 Explicit Finance

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

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
Income7.215.655.5512.214.657.236.7012.2822.879.40
Interest Income7.215.655.5312.204.557.196.2411.5822.318.76
Other Income 000.010.010.100.040.460.700.550.64
Expenditure 7.215.655.6112.354.737.256.7312.5522.869.38
Interest Expense 0.010.020000000.010
Operating Expenses 7.205.635.5712.334.697.236.4510.6522.678.89
Provisions 000.030.020.040.020.281.900.180.50
Exceptional Items 0000000000
Profit Before Tax 00-0.06-0.14-0.08-0.02-0.03-0.270.010.02
Taxes 000.300000000
Profit After Tax 00-0.36-0.14-0.08-0.02-0.03-0.270.010.02
Adjusted EPS (₹)0.00.0-0.4-0.2-0.10.00.0-0.30.00.0
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 Capital8.798.798.438.297.927.778.167.897.897.91
Share Capital 9.279.279.279.279.279.279.279.279.279.27
Reserves -0.48-0.48-0.84-0.98-1.35-1.49-1.11-1.38-1.37-1.36
Minority Interest0000000000
Long Term Borrowings0000000.35000
Current Liabilities 0.290.110.180.180.140.380.060.030.030.05
Trade Payables0.070.070.130.12000.060.0300
Short term borrowings0.210.030.030.02000000
Other Liabilities-0.28-0.10-0.17-0.1400-0.06-0.0300
Total Liabilities 9.088.908.618.478.068.158.577.917.927.96

Assets

Non Current Asset 0.280.080.070.870.570.446.235.665.766.23
Loan Asset 0000000000
Other Non Current Asset 0.280.080.070.870.570.446.235.665.766.23
Current Asset 8.808.828.547.607.487.712.352.252.161.73
Current Investment0000000000
Other Current Asset8.808.828.547.607.487.712.352.252.161.73
Total Assets 9.088.908.618.478.068.158.577.917.927.96

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity -0.290.19-0.011.19-0.35-0.05-0.520.330.89-0.40
Cash Flow From Investing Activity 000-0.800.030.030.850.01-0.01-0.01
Cash Flow From Financing Activity 0.21-0.180-0.01-0.0300000
Net Cash Flow -0.080.02-0.010.38-0.35-0.020.330.340.88-0.40
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)0000000000
DPS (₹)0000000000
BVPS (₹)9999989999

Performance Ratios

ROA (%)0.00.0-4.1-1.6-1.0-0.2-0.4-3.30.10.2
ROE (%)0.00.0-4.2-1.6-1.1-0.2-0.4-3.40.10.2
ROCE (%)0.10.3-0.7-1.6-1.0-0.2-0.4-3.40.20.2

Valuation Parameters

Price/Book(x)0.00.80.50.30.30.20.20.40.00.8

Explicit Finance Ltd Stock News

Explicit Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Explicit Finance on 10-Feb-2025 16:59 is ₹8.59.
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 10-Feb-2025 16:59 the market cap of Explicit Finance stood at ₹7.96.
The latest P/E ratio of Explicit Finance as of 10-Feb-2025 16:59 is 63.69.
The latest P/B ratio of Explicit Finance as of 10-Feb-2025 16:59 is 1.01.
The 52-week high of Explicit Finance is ₹9.98 and the 52-week low is ₹5.06.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Explicit Finance is ₹0.71 ( Cr.) .

About Explicit Finance Ltd

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