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INVESTMENT INSIGHTS

Check Before You Invest : Credent Global Finance Ltd

BSE: 539598 NSE: ISIN: INE727C01024
  |   Sector:  BFSI   |   Industry:  Finance - NBFC

Snapshot

Q.1 Which industry/sub-sector does Credent Global Finance Ltd belong to?
Credent Global Finance Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.
Q.2 Is Credent Global Finance Ltd a good quality company?
Credent Global Finance Ltd is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q.3 Is Credent Global Finance Ltd undervalued or overvalued?
Credent Global Finance Ltd appears Undervalued, as its key valuation ratios are lower than their past averages.

Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more.

Valuation Ratios Current 5-year
Historic Median
Price to Earnings 6.82 77.88
Price to Book 1.44 2.43
Price to Sales 22.21 37.16
EV to EBITDA 5 42.49
Q.4 Is Credent Global Finance Ltd a good buy now?
Credent Global Finance Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Performance Analysis

We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

A: What are the trends in income and profitability?

Q.1 Total Income growth of Credent Global Finance Ltd?
Credent Global Finance Ltd Operating Income growth is 41.06% for FY-2025, which is below its 5-year CAGR of 101.96%, indicating slower growth.

Q.2 Return on Assets of Credent Global Finance Ltd?
Credent Global Finance Ltd Return on Asset is 2.6%, which is below its 5-year historical median of 3.5%, indicating deteriorated earnings on assets.
Current Level 5-year
Historic Median
NPM (%) 22.07 43.41
PPOP (%) - -
RoA (%) 2.6 3.5

Q.3 Return on Equity (ROE) of Credent Global Finance Ltd?
Credent Global Finance Ltd Return on Equity is 3.4% for FY-2025, which is below its 5-year historical median of 5.5%, indicating the business is making worse use of its shareholders capital.

Q.4 Net Profit Margin of Credent Global Finance Ltd?
Credent Global Finance Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 22.07% for FY-2025, which is below its 5-year median( 43.41%), indicating decreasing margins.

Q.5 Does its ROIC exceed its WACC?
Credent Global Finance Ltd return on invested capital (ROIC) is 4.35% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

B: Does the bank grow efficiently and manage its operating costs?

Q.6 Total Asset growth of Credent Global Finance Ltd?
Credent Global Finance Ltd Total Asset growth is 8.64% for FY-2025, which is below its 5-year CAGR of 71.11%, indicating slower growth.

Ownership & governance

D: Promoter shareholding and pledge status of Credent Global Finance Ltd?

Q.1 Promoter shareholding and pledge status of Credent Global Finance Ltd?
Promoters hold 26.03% of the Credent Global Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Credent Global Finance Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Credent Global Finance Ltd vs Industry Peers?
Credent Global Finance Ltd AUM CAGR is 71.11%, compared to the 5-year industry median CAGR of 9.71%, indicating faster growth and gaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Credent Global Finance Ltd vs industry peers
Credent Global Finance Ltd profit metrics are in line with the industry median level of 4.76%, indicating similar profitability compared to peers.
Profit Metrics
Current Level 5-year
Industry Median
NPM (%) 22.07 12.87
PPOP (%) - -
RoA (%) 2.6 1.4

Q.3 Operating efficiency of Credent Global Finance Ltd vs industry peers?
Credent Global Finance Ltd ROCE (7.4) is above the industry median of (4.15); while the current ROE (5.5) are above than the 5-year average Industry ROE (2.3). This shows that the business is positioned in the top quartile of the industry.
Operating Efficiency
Current Level 5-year
Industry Median
NPM (%) 22.07 12.87
PPOP (%) - -
RoA (%) 2.6 1.4
ROCE (%) 5.9 4.15
ROE (%) 3.4 2.3

Valuation & price assessment

Q.1 Stock return of Credent Global Finance Ltd over the last decade?
Over the last 5 years, the stock has delivered a CAGR of 76.94% based on the current price.
9Y 5Y 3Y 1Y
Share Price
CAGR		 - 76.9% 7.6% 19.6%
Q.2 How do the current valuation ratios compare with 5-year historical median and industry numbers?
Valuation Ratios Current 5-year
Historic Median		 5-year
Industry Median
Price to Earnings 6.82 77.88 29.12
Price to Book 1.44 2.43 1.11
Price to Sales 22.21 37.16 9.10
EV to EBITDA 5 42.49 11.77
Q.3 Valuation ratios of Credent Global Finance Ltd vs historical and industry averages?
The current Price-to-Book (P/B) ratio of 1.44 is lower than its historical median of 2.43, indicating that the stock is trading below its historical average valuation.

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