Prism Finance Ltd - Stock Valuation and Financial Performance

BSE: 531735 | NSE: | Finance - NBFC | Small Cap

Prism Finance Share Price

42 0.00 0.00%
as on 05-Feb'25 16:59

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Prism Finance stock performance -
42 -2.00-5.00% past year

Price Chart, Live Stock Chart, Technical Chart of
P/E Ratio (SA):
5.97
Market Cap:
27.3 Cr.
52-wk low:
27.3
52-wk high:
46.3

Is Prism Finance Ltd an attractive stock to invest in?

1. Is Prism Finance Ltd a good quality company?

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

2. Is Prism Finance Ltd undervalued or overvalued?

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

3. Is Prism Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Prism 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 Prism 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.
Prism 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.)
0.90.62.91.70.30.34.513.41.41113
YoY Gr. Rt. %
--28.2%377.1%-41.9%-82.3%-10%1570.4%197.8%-89.3%663.2%-
Adj EPS (₹ )
-0.301.41.6-0.8-2.45.216.5-6.27.97
YoY Gr. Rt. %
-NA4633.3%11.3%-151.3%NANA219.8%-137.4%NA-
BVPS (₹ )
12.812.814.215.814.612.217.433.827.735.642.9
YoY Gr. Rt. %
-0.2%11%11.2%-8%-16.3%42.2%94.9%-18.2%28.7%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
-1.80.29.19.2-4.4-13.127.958-19.223.30

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income32.9%105.5%34.6%663.2%
Adj EPSNANA15.5%NA
BVPS12%19.6%27.1%28.7%
Share Price 7.2% 16.2% 10.4% 0.6%

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 (%)
-25.73.231.761-174.8-565.774.279.7-277.54735.2
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)
-2.60.210.510.5-5.4-17.734.964.4-2025.116.6

Recent Performance Summary

Total Income has increased 34.57 CAGR in last 3 years

Net Profit has increased 15.52 CAGR in last 3 years

Return on Equity has declined versus last 3 years average to 17.90%

Total income growth is poor in last 4 quarters

Latest Financials - Prism Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 7 -
TTM Sales (₹ Cr.) 13 -
BVPS (₹.) 42.9 -
Reserves (₹ Cr.) 21 -
P/BV 0.98 -
PE 5.97 -
From the Market
52 Week Low / High (₹) 27.25 / 46.31
All Time Low / High (₹) 1.35 / 46.31
Market Cap (₹ Cr.) 27.3
Equity (₹ Cr.) 6.5
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 Income3 109.10.2 -57.97.6 207.32.2 -36
Adj EPS (₹)3.93 113.6-4.21 -2576.56.99 99.20.33 -93
Net Profit Mgn %85.41 168 bps-1159.75 -117905 bps60.12 -3246 bps9.67 -7871 bps

Management X-Ray of Prism Finance:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:45.9%Institutions:0%Non-Institutions:54.1%

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 Prism Finance

MRP
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MOS
spaceLock icon%
DP
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Base BVPS
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DPS
spaceLock icon
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 Prism Finance

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 931.3 -27.5 (-2.9%) Small Cap 10,020 23.1 -16.8 41.6 0.8
Edelweiss Financial 102.5 -6.8 (-6.2%) Small Cap 9,500 4.9 5.6 22.3 2
Manappuram Finance 186.3 -11.2 (-5.7%) Small Cap 8,848 26.7 24.8 7.4 1.3
CreditAccess Grameen 965.8 -29.6 (-3%) Small Cap 5,167 55.2 28 18 2.3
Spandana Sphoorty 306.1 -20.5 (-6.3%) Small Cap 2,424 -66.2 20.7 - 0.8
Fusion Finance 167.7 -3.9 (-2.3%) Small Cap 2,317 -8.1 21.8 - 0.7
Muthoot Microfin 145.8 -5.5 (-3.6%) Small Cap 2,270 17.5 19.8 8.6 0.9
Five Star Business 664.1 -36.5 (-5.2%) Small Cap 2,183 35 38.3 20 3.4
Northern ARC Capital 179 -5.3 (-2.9%) Small Cap 1,829 17.4 15.3 10.6 0.9
Fedbank Financial 91.5 -1.3 (-1.4%) 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
Income0.950.713.021.740.300.274.5113.431.4510.99
Interest Income0.850.612.911.690.300.274.5113.431.4410.99
Other Income 0.100.100.110.05000000
Expenditure 1.170.691.800.430.831.811.041.665.423.57
Interest Expense 00000.200.200.410.750.110.04
Operating Expenses 1.160.691.800.430.270.300.630.911.241.25
Provisions 0.010000.371.32004.072.29
Exceptional Items 0000000000
Profit Before Tax -0.220.021.221.31-0.53-1.543.4711.76-3.977.42
Taxes -0.0100.290.280-0.010.131.060.032.26
Profit After Tax -0.220.020.921.03-0.53-1.543.3510.70-45.16
Adjusted EPS (₹)-0.30.01.41.6-0.8-2.45.216.5-6.27.9
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 Capital8.328.349.2610.299.477.9311.2821.9817.9823.14
Share Capital 6.506.506.506.506.506.506.506.506.506.50
Reserves 1.821.842.763.792.971.434.7815.4811.4816.64
Minority Interest0000000000
Long Term Borrowings0.010.010.010.01000002.08
Current Liabilities 0.920.502.110.723.472.532.301.330.390.70
Trade Payables0.760.431.570.200.190.020.080.2400.37
Short term borrowings0.160.050.380.233.162.021.760.030.310
Other Liabilities-0.91-0.49-1.95-0.43-3.35-2.04-1.84-0.28-0.31-0.37
Total Liabilities 9.258.8411.3711.0112.9410.4613.5823.3118.3725.92

Assets

Non Current Asset 6.286.567.277.699.435.189.8220.5217.0324.68
Loan Asset 0000000000
Other Non Current Asset 6.286.567.277.699.435.189.8220.5217.0324.68
Current Asset 2.972.284.103.323.515.283.752.791.341.24
Current Investment0000000000
Other Current Asset2.972.284.103.323.515.283.752.791.341.24
Total Assets 9.258.8411.3711.0112.9410.4613.5823.3118.3725.92

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity -6.09-0.55-1.971.51-0.22-3.134.9512.53-3.872.67
Cash Flow From Investing Activity 7.09-0.251.48-1.26-2.874.25-4.64-10.693.47-2.03
Cash Flow From Financing Activity 0.10-0.100.33-0.152.93-1.14-0.26-1.730.27-0.34
Net Cash Flow 1.09-0.90-0.160.09-0.15-0.020.040.11-0.130.30
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)0012-1-2516-68
DPS (₹)0000000000
BVPS (₹)13131416151217342836

Performance Ratios

ROA (%)-1.80.29.19.2-4.4-13.127.958.0-19.223.3
ROE (%)-2.60.210.510.5-5.4-17.734.964.4-20.025.1
ROCE (%)-2.60.213.513.0-2.9-11.933.771.4-19.236.0

Valuation Parameters

Price/Book(x)1.60.00.00.00.00.00.01.10.00.0

Prism Finance Ltd Stock News

Prism Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Prism Finance on 05-Feb-2025 16:59 is ₹42.00.
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 05-Feb-2025 16:59 the market cap of Prism Finance stood at ₹27.30.
The latest P/E ratio of Prism Finance as of 05-Feb-2025 16:59 is 5.97.
The latest P/B ratio of Prism Finance as of 05-Feb-2025 16:59 is 0.98.
The 52-week high of Prism Finance is ₹46.31 and the 52-week low is ₹27.25.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Prism Finance is ₹13.01 ( Cr.) .

About Prism Finance Ltd

Prism Finance was incorporated under the Companies Act, 1956 on April 28, 1994 as Prism Finance Limited vide Certificate of Incorporation issued by the Registrar of Companies, Gujarat. The company obtained the Certificate of Commencement of Business on May 2, 1994 from the Registrar of Companies, Gujarat. The Company is a Non-Banking Financial Company registered with Reserve Bank of India as Non Deposit taking Company.

Business area of the company

The company is engaged in the business of financial services by way of assisting in providing finance by way of loans, advances, Bill discounting, Lease, Higher Purchase and any other form of finance and also to make investment in Shares & Securities, trading as well as dealing in Shares & Securities.

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