Credent Global Finance Ltd
₹ 36.9
19.98%
24 Dec
- close price
About
Incorporated in 1991, Oracle Credit Ltd is in
the business of granting loans and making investments[1]
Key Points
- Market Cap ₹ 190 Cr.
- Current Price ₹ 36.9
- High / Low ₹ 36.9 / 21.2
- Stock P/E 55.7
- Book Value ₹ 12.6
- Dividend Yield 0.00 %
- ROCE 7.38 %
- ROE 5.53 %
- Face Value ₹ 2.00
Pros
- Company has reduced debt.
Cons
- Stock is trading at 2.92 times its book value
- Promoter holding is low: 31.1%
- Company has a low return on equity of 7.04% over last 3 years.
- Debtor days have increased from 34.4 to 42.5 days.
* 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
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0.10 | 0.08 | 0.23 | 0.25 | 0.26 | 0.25 | 0.27 | 0.29 | 0.35 | 0.78 | 3.04 | 6.96 | 8.69 | |
| 0.06 | 0.07 | 0.20 | 0.42 | 0.20 | 0.19 | 0.13 | 0.12 | 0.14 | 0.22 | 0.73 | 2.47 | 2.67 | |
| Operating Profit | 0.04 | 0.01 | 0.03 | -0.17 | 0.06 | 0.06 | 0.14 | 0.17 | 0.21 | 0.56 | 2.31 | 4.49 | 6.02 |
| OPM % | 40.00% | 12.50% | 13.04% | -68.00% | 23.08% | 24.00% | 51.85% | 58.62% | 60.00% | 71.79% | 75.99% | 64.51% | 69.28% |
| -0.00 | -0.00 | 0.01 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.03 | 0.30 | |
| Interest | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | 0.27 | 0.93 | 1.10 |
| Depreciation | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | 0.17 | 0.43 | 0.62 |
| Profit before tax | 0.04 | 0.01 | 0.04 | -0.17 | 0.06 | 0.06 | 0.14 | 0.17 | 0.21 | 0.56 | 1.87 | 3.10 | 4.60 |
| Tax % | -50.00% | -0.00% | 25.00% | -0.00% | 33.33% | 33.33% | 28.57% | 23.53% | 23.81% | 26.79% | 29.41% | 31.61% | |
| 0.05 | 0.01 | 0.03 | -0.17 | 0.03 | 0.04 | 0.10 | 0.13 | 0.16 | 0.42 | 1.32 | 2.12 | 3.41 | |
| EPS in Rs | 0.01 | 0.00 | 0.01 | -0.04 | 0.01 | 0.01 | 0.02 | 0.03 | 0.04 | 0.10 | 0.25 | 0.41 | 0.66 |
| Dividend Payout % | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | 26.29% | -0.00% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 56% |
| 5 Years: | 92% |
| 3 Years: | 171% |
| TTM: | 123% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 71% |
| 5 Years: | 85% |
| 3 Years: | 137% |
| TTM: | 248% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 74% |
| 3 Years: | 67% |
| 1 Year: | 35% |
| Return on Equity | |
|---|---|
| 10 Years: | 4% |
| 5 Years: | 6% |
| 3 Years: | 7% |
| Last Year: | 6% |
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 | Sep 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 5.55 | 5.55 | 5.55 | 5.55 | 5.55 | 5.55 | 5.55 | 5.55 | 5.55 | 5.55 | 6.94 | 10.29 | 10.29 |
| Reserves | 0.07 | 0.07 | 0.09 | -0.07 | -0.04 | -0.00 | 0.10 | 0.23 | 0.39 | 0.80 | 7.21 | 52.94 | 54.82 |
| -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | 20.54 | 12.17 | 13.34 | |
| 0.16 | 0.16 | 0.02 | 0.07 | 0.09 | 0.07 | 0.06 | 0.05 | 0.10 | 0.15 | 4.68 | 5.20 | 7.11 | |
| Total Liabilities | 5.78 | 5.78 | 5.66 | 5.55 | 5.60 | 5.62 | 5.71 | 5.83 | 6.04 | 6.50 | 39.37 | 80.60 | 85.56 |
| 0.01 | 0.01 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | 1.05 | 0.58 | 2.33 | |
| CWIP | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 |
| Investments | 2.16 | 2.20 | 2.01 | 1.63 | 1.55 | 1.55 | 0.06 | 0.06 | 0.02 | 0.02 | 11.03 | 11.03 | 19.65 |
| 3.61 | 3.57 | 3.65 | 3.92 | 4.05 | 4.07 | 5.65 | 5.77 | 6.02 | 6.48 | 27.29 | 68.99 | 63.58 | |
| Total Assets | 5.78 | 5.78 | 5.66 | 5.55 | 5.60 | 5.62 | 5.71 | 5.83 | 6.04 | 6.50 | 39.37 | 80.60 | 85.56 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0.07 | 0.17 | -0.36 | -0.54 | 0.13 | -0.22 | 0.04 | -0.02 | -0.43 | -0.21 | -12.20 | -41.25 | |
| -0.00 | -0.00 | 0.21 | 0.39 | 0.08 | -0.00 | -0.00 | -0.00 | 0.43 | 0.18 | -10.82 | -0.02 | |
| -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | 25.76 | 38.53 | |
| Net Cash Flow | 0.07 | 0.17 | -0.15 | -0.16 | 0.21 | -0.22 | 0.04 | -0.02 | -0.00 | -0.03 | 2.74 | -2.73 |
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 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | 26.41 | 42.48 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | 26.41 | 42.48 |
| Working Capital Days | 11,972.00 | 11,360.62 | 4,522.83 | 4,526.00 | 4,408.08 | 4,949.40 | 2,744.26 | 2,555.00 | 1,658.14 | 402.44 | -505.48 | -180.40 |
| ROCE % | 0.71% | 0.18% | 0.53% | -3.06% | 1.09% | 1.08% | 2.50% | 2.97% | 3.58% | 9.11% | 10.43% | 7.38% |
Documents
Announcements
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
16 Nov - Newspaper Advertisement for Standalone and Consolidated Unaudited Financials Results for the Quarter and half Year ended 30th September,2024
-
Updated Corporate Presentation Of Credent Global Finance Limited.
15 Nov - Updated corporate presentation of Credent Global Finance Limited.
-
Announcement under Regulation 30 (LODR)-Change in Registered Office Address
14 Nov - Shifting of Registered Office to new address.
-
Board Meeting Outcome for Outcome Of The Board Meeting Pursuant To Regulation 30 Of SEBI (LODR) Regulations, 2015 Held On Today I.E., 14Th November, 2024
14 Nov - Board approved unaudited financial results for Q2 2024.
- Unaudited Standalone And Consolidated Financial Results For The Quarter Ended 30.09.2024. 14 Nov
Registration:[1]
Company is a Non Systematically Important
Non-Deposit accepting Non-Banking Finance Company