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BSE: 530747 | NSE: | Finance - NBFC | Small Cap
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Challani Capital Ltd is a below average quality company.
The key valuation ratios of Challani Capital Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Challani Capital Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Sep'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 2.2 | 1.3 | 0.6 | 0.4 | 0.2 | 0.4 | 0 | 1 | 3.6 | 0.9 | 0 | |
| YoY Gr. Rt. % | - | -42.3% | -56.3% | -30.4% | -48.7% | 105% | -92.7% | 3200% | 265.7% | -75.7% | - | |
| Adj EPS (₹ ) | 0.1 | -9.8 | -2.4 | -0.9 | -1.4 | -1.9 | -1 | 3.6 | -6 | 0.7 | 1 | |
| YoY Gr. Rt. % | - | -10944.4% | NA | NA | NA | NA | NA | NA | -267.1% | NA | - | |
| BVPS (₹ ) | 9.6 | 18.8 | 7 | 6.2 | 4.7 | 2.8 | 1.8 | 8.7 | 2.7 | 3.4 | 3.8 | |
| YoY Gr. Rt. % | - | 95.5% | -62.5% | -12.6% | -23.1% | -40.8% | -35.4% | 377.9% | -68.8% | 27.4% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 0.2 | -9.4 | -10.8 | -4.6 | -7.4 | -11.4 | -6.7 | 40.7 | -103.1 | 22.5 | 0 | |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -9.8% | 34.5% | 208.4% | -75.7% | ||||||||
| Adj EPS | 26.4% | NA | NA | NA | ||||||||
| BVPS | -10.8% | -6.2% | 23.9% | 27.4% | ||||||||
| Share Price | 17.6% | 37.4% | 71.1% | 31.5% | ||||||||
| RATIOS \ YEARS | Sep'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 3.5 | -687.6 | -378.4 | -206 | -654.9 | -427.6 | -2976.4 | 539.4 | -246.5 | 126.8 | INF | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 0.9 | -41 | -28.6 | -13.5 | -26.1 | -51.4 | -43 | 73.2 | -104.9 | 24.2 | 24 | |
Return on Equity has increased versus last 3 years average to 26.60%
Total Income has increased 208.40 CAGR in last 3 years
Total income growth is good in last 4 quarters
Net Profit has declined 0.00 CAGR in last 3 years
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 1 | - |
| TTM Sales (₹ Cr.) | 0 | - |
| BVPS (₹.) ⓘ | 3.8 | - |
| Reserves (₹ Cr.) ⓘ | -9 | - |
| P/BV ⓘ | 4.47 | - |
| PE ⓘ | 17.54 | - |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 9.57 / 28.64 |
| All Time Low / High (₹) | 1.50 / 28.64 |
| Market Cap (₹ Cr.) | 25.4 |
| Equity (₹ Cr.) | 15 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 30.1 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PARTICULARS | Sep'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income | 10.55 | 23.67 | 0.78 | 0.73 | 0.61 | 0.45 | 0.03 | 0.99 | 3.62 | 1.32 |
| Interest Income | 3.33 | 0.64 | 0.56 | 0.39 | 0.19 | 0.41 | 0.03 | 0.99 | 3.62 | 0.88 |
| Other Income ⓘ | 7.22 | 23.03 | 0.22 | 0.34 | 0.41 | 0.04 | 0 | 0 | 0 | 0.44 |
| Expenditure ⓘ | 10.43 | 28.05 | 2.92 | 1.55 | 1.89 | 2.19 | 0.92 | 0.81 | 2.32 | 0.63 |
| Interest Expense ⓘ | 7.74 | 1.99 | 0.92 | 0.27 | 0.24 | 0.21 | 0.19 | 0.16 | 0 | 0 |
| Operating Expenses ⓘ | 2.18 | 0.86 | 1.26 | 0.81 | 0.79 | 0.69 | 0.68 | 0.55 | 0.44 | 0.46 |
| Provisions | 0.52 | 25.20 | 0.74 | 0.46 | 0.86 | 1.29 | 0.05 | 0.10 | 1.88 | 0.17 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5.16 | -10.22 | 0.42 |
| Profit Before Tax ⓘ | 0.12 | -4.38 | -2.14 | -0.82 | -1.28 | -1.74 | -0.89 | 5.34 | -8.92 | 1.11 |
| Taxes ⓘ | 0.01 | 0.01 | -0.02 | -0.02 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Tax | 0.12 | -4.39 | -2.12 | -0.80 | -1.28 | -1.74 | -0.89 | 5.34 | -8.92 | 1.11 |
| Adjusted EPS (₹) | 0.1 | -4.9 | -2.4 | -0.9 | -1.4 | -1.9 | -1.0 | 3.6 | -6.0 | 0.7 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| PARTICULARS | Sep'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital | 32.51 | 8.46 | 6.34 | 5.54 | 4.26 | 2.52 | 1.63 | 12.97 | 4.05 | 5.16 |
| Share Capital ⓘ | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 15 | 15 | 15 |
| Reserves ⓘ | 23.51 | -0.54 | -2.66 | -3.46 | -4.74 | -6.48 | -7.37 | -2.03 | -10.95 | -9.84 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long Term Borrowings | 7.26 | 2.97 | 2.88 | 3 | 3.60 | 1.19 | 1.19 | -0.43 | -0.43 | -0.43 |
| Current Liabilities | 31.52 | 4.44 | 2.20 | 2.58 | 3.40 | 3.64 | 4.32 | 0.54 | 0.61 | 0.90 |
| Trade Payables | 0 | 0.24 | 0.31 | 0.31 | 0.37 | 0 | 0 | 0 | 0 | 0 |
| Short term borrowings | 31.01 | 3.73 | 1.47 | 1.86 | 2.60 | 3.21 | 3.82 | 0.51 | 0.55 | 0.88 |
| Other Liabilities | -31.01 | 2.03 | 4.22 | 3.83 | 3.03 | 2.79 | 2.18 | -0.51 | -0.55 | -0.88 |
| Total Liabilities ⓘ | 71.29 | 21.87 | 17.42 | 17.13 | 17.26 | 13.35 | 13.13 | 13.09 | 4.22 | 5.63 |
Assets | ||||||||||
| Non Current Asset | 56.33 | 4.53 | 0.85 | 0.69 | 0.60 | 0.52 | 0.45 | 0.41 | 0.39 | 0.35 |
| Loan Asset | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non Current Asset ⓘ | 56.33 | 4.53 | 0.85 | 0.69 | 0.60 | 0.52 | 0.45 | 0.41 | 0.39 | 0.35 |
| Current Asset | 14.96 | 17.35 | 16.57 | 16.43 | 16.66 | 12.83 | 12.68 | 12.68 | 3.83 | 5.29 |
| Current Investment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Asset | 14.96 | 17.35 | 16.57 | 16.43 | 16.66 | 12.83 | 12.68 | 12.68 | 3.83 | 5.29 |
| Total Assets ⓘ | 71.29 | 21.87 | 17.42 | 17.13 | 17.26 | 13.35 | 13.13 | 13.09 | 4.22 | 5.63 |
| PARTICULARS | Sep'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | 20.73 | -0.53 | 0.40 | 0.27 | -0.38 | -0.09 | -0.52 | 0.84 | 2.11 | -2.69 |
| Cash Flow From Investing Activity ⓘ | -20.92 | 27.75 | 3.51 | 0 | 0 | 0.05 | 0 | 0 | 0 | 0.48 |
| Cash Flow From Financing Activity ⓘ | -0.48 | -27.28 | -3.79 | -0.27 | 0.24 | 0.13 | 0.42 | -0.42 | 0.04 | 0.72 |
| Net Cash Flow ⓘ | -0.67 | -0.06 | 0.12 | 0 | -0.14 | 0.10 | -0.10 | 0.42 | 2.16 | -1.49 |
| PARTICULARS | Sep'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios |
||||||||||
| EPS (₹) | 0 | -5 | -2 | -1 | -1 | -2 | -1 | 4 | -6 | 1 |
| DPS (₹) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| BVPS (₹) | 14 | 9 | 7 | 6 | 5 | 3 | 2 | 9 | 3 | 3 |
Performance Ratios | ||||||||||
| ROA (%) | 0.2 | -9.4 | -10.8 | -4.6 | -7.4 | -11.4 | -6.7 | 40.7 | -103.0 | 22.5 |
| ROE (%) | 0.9 | -41.0 | -28.6 | -13.5 | -26.1 | -51.4 | -43.0 | 73.2 | -104.0 | 24.2 |
| ROCE (%) | 16.7 | -7.0 | -6.5 | -3.5 | -6.9 | -10.9 | -5.3 | 41.5 | -98.7 | 20.9 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.5 | 0.6 | 1.0 | 0.6 | 0.0 | 1.2 | 0.0 | 0.4 | 4.1 | 3.2 |
Indo Asian Finance was incorporated as a private company on April 17, 1990 in the name and style of Anand Rishub Finance. Indo Asian Finance is a non-banking financial company and its registered office is located in Chennai. The company is engaged in hire purchase finance within the state of Tamil Nadu.
Business areas of the company:
The company was primarily engaged in the business of Hire Purchase which had been the traditional mode of business of the Challani family for decades. Gradually, the company started to diversify into profitable finance schemes like leasing etc. and soon established its presence in these areas.
The company's main business is Hire Purchase and Leasing of Motor Vehicles, Machineries, equipments etc.
Milestones:
1990- Indo Asian Finance was initially incorporated as a Private Limited Company on 17th April, in the name and style of Anand Rishub Finance Private Limited. Then it was converted into Public Limited Company with effect from August 29, 1991 and the name changed to Challani Credits.
The company was primarily engaged in the business of Hire Purchase which had been the traditional mode of business of the Challani family for decades. Gradually, the company started to diversify into profitable finance schemes like leasing etc. and soon established its presence in these areas.
The company's main business is Hire Purchase and Leasing of Motor Vehicles, Machineries, equipments etc.
1991- The company has been in the Hire purchase and Lease business since September. The company now intends to cater to corporate clients and finance assets on lease to large and medium sized companies also. Hire Purchase disbursements are mainly in the retail auto segments, covering commercial vehicles.
1992- The name was changed to Indo Asian Finance on 14th July, and further more Directors traditionally engaged in the same business along with substantial contribution joined to strengthen the board.
The company is now proposing to finance under corporate sector in a big way. With its established contacts backed by its marketing team, the company will be concentrating more on corporate sector both under Hire Purchase as well as Leasing.
1995-J.Padam Challani, the Managing Director was redesignated as wholetime director of the company with effect from 14th July. Madanlal Gundecha, Joint Managing Director of the company was redesignated as Wholetime Director of the company with effect from 1st July.
1996 -Lalchand Galada resigned for personal reasons as a Director of the company with effect from 30th April.
1999 -The company is graded as a BBB+ rated company by CARE for its deposit programme.
2000-Indo Asian Finance will be entering the business of micro banking within the next couple of months by setting up local area banks.
Awards and achievements:
• The company has been given a BBB+ rating from CARE for fixed deposits.
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Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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