Kreon Finnancial Services Ltd

Kreon Finnancial Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Kreon Finnancial Services Ltd

₹ 34.0 -3.11%
01 Oct 12:45 p.m.
kreon.in BSE: 530139
About

Incorporated in 1994, Kreon Finnancial Services Limited is an NBFC which provides investing in long term and short-term projects, securities, debt related instruments, etc.

Key Points

Business Overview:[1][2]
Company is organized in two business segments viz. Commercial Lending Division non-digital lending arm of Kreon, and Digital Lending Division catering to advancement of loans to students via StuCred platform which was developed in 2019 as an internal start-up digital lending app. Company has tie-ups with 2000+colleges Pan-India where it provides unsecured small loans to students of affiliated colleges. Loan size range from Rs.500 to maximum of Rs.10000 and are repayable in 30 days. Company charges an application usage fee which is deducted upfront

Website BSE
  • Market Cap ₹ 68.8 Cr.
  • Current Price ₹ 34.0
  • High / Low ₹ 68.5 / 32.3
  • Stock P/E
  • Book Value ₹ 16.3
  • Dividend Yield 0.00 %
  • ROCE 4.71 %
  • ROE 2.52 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Earnings include an other income of Rs.1.25 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024
0.67 0.79 0.90 1.46 1.86 2.28 2.63 2.65 3.26 3.63 4.35 4.59 4.80
0.28 0.42 0.55 0.57 0.69 1.14 1.33 1.40 1.82 1.93 6.18 3.84 4.58
Operating Profit 0.39 0.37 0.35 0.89 1.17 1.14 1.30 1.25 1.44 1.70 -1.83 0.75 0.22
OPM % 58.21% 46.84% 38.89% 60.96% 62.90% 50.00% 49.43% 47.17% 44.17% 46.83% -42.07% 16.34% 4.58%
0.00 0.08 0.29 0.10 0.01 0.06 0.06 0.06 0.04 0.05 0.15 0.33 0.72
Interest 0.09 0.08 0.07 0.08 0.12 0.16 0.14 0.11 0.13 0.12 0.12 0.59 0.61
Depreciation 0.01 0.01 0.01 0.01 0.03 0.14 0.19 0.19 0.16 0.17 0.17 0.20 0.18
Profit before tax 0.29 0.36 0.56 0.90 1.03 0.90 1.03 1.01 1.19 1.46 -1.97 0.29 0.15
Tax % 0.00% 0.00% 0.00% 0.00% 0.00% 4.44% 5.83% -59.41% 25.21% 25.34% -25.38% 58.62% -40.00%
0.28 0.36 0.55 0.90 1.04 0.86 0.97 1.62 0.89 1.10 -1.47 0.12 0.21
EPS in Rs 0.28 0.34 0.53 0.85 0.98 0.81 0.92 1.19 0.65 0.54 -0.73 0.06 0.10
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
13.05 0.79 1.26 0.74 0.60 0.97 0.81 1.05 1.72 3.83 9.53 16.17 17.37
12.75 0.72 1.40 0.69 0.77 0.45 3.13 4.78 1.85 1.75 4.55 13.59 16.53
Operating Profit 0.30 0.07 -0.14 0.05 -0.17 0.52 -2.32 -3.73 -0.13 2.08 4.98 2.58 0.84
OPM % 2.30% 8.86% -11.11% 6.76% -28.33% 53.61% -286.42% -355.24% -7.56% 54.31% 52.26% 15.96% 4.84%
0.00 0.00 0.00 0.00 0.07 -3.96 3.00 0.00 0.00 0.46 0.09 0.20 1.25
Interest 0.05 0.00 0.00 0.03 0.10 0.15 0.27 0.43 0.34 0.39 0.55 1.11 1.44
Depreciation 0.03 0.00 0.00 0.00 0.03 0.08 0.14 0.12 0.07 0.05 0.54 0.71 0.72
Profit before tax 0.22 0.07 -0.14 0.02 -0.23 -3.67 0.27 -4.28 -0.54 2.10 3.98 0.96 -0.07
Tax % 0.00% 0.00% 0.00% 0.00% 0.00% 1.63% 14.81% 0.23% -11.11% 0.00% -15.08% 35.42%
0.22 0.07 -0.14 0.02 -0.23 -3.73 0.23 -4.30 -0.48 2.10 4.58 0.62 -0.04
EPS in Rs 0.22 0.07 -0.14 0.02 -0.23 -3.71 0.23 -4.27 -0.48 1.98 3.36 0.31 -0.03
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: 35%
5 Years: 82%
3 Years: 111%
TTM: 61%
Compounded Profit Growth
10 Years: 24%
5 Years: 22%
3 Years: 49%
TTM: -101%
Stock Price CAGR
10 Years: 10%
5 Years: 41%
3 Years: 32%
1 Year: -9%
Return on Equity
10 Years: 3%
5 Years: 5%
3 Years: 17%
Last Year: 3%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 10.06 10.06 10.06 10.06 10.06 10.06 10.06 10.06 10.06 10.59 13.62 20.22
Reserves 2.34 2.40 2.26 2.28 0.05 -3.68 -3.76 -8.19 -8.13 -2.54 2.66 12.66
0.00 0.00 0.00 1.30 1.00 2.33 3.02 7.66 7.51 6.89 9.55 29.18
0.61 0.09 0.08 0.10 0.29 0.52 0.51 0.57 0.49 5.72 5.10 1.32
Total Liabilities 13.01 12.55 12.40 13.74 11.40 9.23 9.83 10.10 9.93 20.66 30.93 63.38
0.00 0.00 0.00 0.00 0.12 0.20 0.24 0.19 0.12 0.12 3.47 3.48
CWIP 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.33 1.50 0.00 0.00
Investments 5.08 2.60 2.60 5.75 0.68 0.91 0.48 0.41 1.07 4.32 1.24 10.34
7.93 9.95 9.80 7.99 10.60 8.12 9.11 9.50 8.41 14.72 26.22 49.56
Total Assets 13.01 12.55 12.40 13.74 11.40 9.23 9.83 10.10 9.93 20.66 30.93 63.38

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-1.98 -2.34 -0.20 0.01 0.26 -3.37 0.33 -4.55 1.11 -3.78 -5.76 -1.27
-1.26 2.48 0.00 0.00 0.00 2.19 -0.18 -0.06 -0.33 -1.22 -0.99 -25.12
3.26 0.00 0.00 0.00 -0.15 1.18 0.72 4.25 -0.13 5.10 6.74 28.01
Net Cash Flow 0.02 0.14 -0.20 0.01 0.10 0.00 0.87 -0.37 0.65 0.11 -0.01 1.61

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 73.28 184.81 63.73 636.28 18.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Inventory Days 0.00
Days Payable
Cash Conversion Cycle 73.28 184.81 63.73 636.28 18.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Working Capital Days 65.73 254.11 110.08 774.39 42.58 -184.38 -54.07 -66.05 -16.98 -10.48 -13.41 -2.48
ROCE % 3.20% 0.56% -1.13% 0.39% -1.05% 4.44% 5.99% -40.85% -2.11% 20.43% 22.22% 4.71%

Shareholding Pattern

Numbers in percentages

Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024
45.53% 47.49% 48.24% 48.24% 48.24% 48.24% 50.60% 50.60% 55.60% 55.60% 55.60% 55.60%
54.47% 52.51% 51.76% 51.76% 51.76% 51.76% 49.41% 49.41% 44.41% 44.40% 44.41% 44.40%
No. of Shareholders 2,7193,3463,4053,1533,0933,1183,1653,2773,2683,3903,5433,523

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