Comfort Fincap Ltd - Stock Valuation and Financial Performance

BSE: 535267 | NSE: | Finance - NBFC | Small Cap

Comfort Fincap Share Price

9.29 0.03 0.32%
as on 12-Apr'24 10:19

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Comfort Fincap stock performance -

mw4me loader
P/E Ratio (SA):
9.31
Market Cap:
50 Cr.
52-wk low:
6.5
52-wk high:
12

Is Comfort Fincap Ltd an attractive stock to invest in?

1. Is Comfort Fincap Ltd a good quality company?

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

2. Is Comfort Fincap Ltd undervalued or overvalued?

The key valuation ratios of Comfort Fincap Ltd's currently when compared to its past seem to suggest it is in the Fair zone.

3. Is Comfort Fincap Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Comfort Fincap 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 Comfort Fincap:

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.
Comfort Fincap Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)2.844.55.47.37.47.711.112.414.713
YoY Gr. Rt. %-42.1%13.3%19.7%35.9%0.7%4.2%44.6%11.6%18%-
Adj EPS (₹ ) 0.10.40.40.40.50.50.20.80.80.91
YoY Gr. Rt. %-245.5%7.9%-12.2%25%13.3%-54.9%234.8%6.5%9.8%-
BVPS (₹ )4.14.44.85.15.56.56.77.58.39.210
YoY Gr. Rt. %-8.1%8.4%6.5%8.9%18.3%3.2%11.4%10.9%10.8%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)2.47.985.45.55.42.26.45.25.50

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income20.2%14.8%23.9%18%
Adj EPS26.3%14.9%57.6%9.8%
BVPS9.6%10.8%11.1%10.8%
Share Price -10.8% 28% 63.6% -9.4%

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
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 (%)225249.93633.137.716.137.635.633.340.7
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)2.899.17.38.58.53.410.810.310.39.8

Recent Performance Summary

Total Income has increased 23.94 CAGR in last 3 years

Net Profit has increased 57.58 CAGR in last 3 years

Total income growth is good in last 4 quarters

Return on Equity has declined versus last 3 years average to 10.30%

Latest Financials - Comfort Fincap Ltd.

Standalone Consolidated
TTM EPS (₹) 1 1
TTM Sales (₹ Cr.) 13.2 13.2
BVPS (₹.) 10 10.1
Reserves (₹ Cr.) 44 44
P/BV 0.92 0.92
PE 9.31 9.31
From the Market
52 Week Low / High (₹) 6.47 / 11.99
All Time Low / High (₹) 0.77 / 91.00
Market Cap (₹ Cr.) 50
Equity (₹ Cr.) 10.9
Face Value (₹) 2
Industry PE 32.5

Management X-Ray of Comfort Fincap:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of Comfort Fincap

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income2.903.984.525.437.357.437.7211.1412.5014.83
Interest Income2.803.984.515.407.347.397.7011.1312.4214.66
Other Income 0.0900.010.030.020.040.020.010.080.17
Expenditure 2.041.341.522.613.973.535.845.566.308.26
Interest Expense 0.450.340.320.752.091.361.692.683.415.02
Operating Expenses 1.510.711.141.411.811.951.552.052.412.68
Provisions 0.080.290.060.450.060.232.590.830.480.56
Exceptional Items 0000000000
Profit Before Tax 0.862.6532.823.393.901.895.586.206.58
Taxes 0.240.570.750.880.961.110.651.401.771.70
Profit After Tax 0.622.072.251.942.432.781.244.184.424.88
Adjusted EPS (₹)0.10.40.40.40.50.50.20.80.80.9
Dividend Payout Ratio (%)35%10%10%11%11%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Equity Capital22.0423.8525.8427.5329.9635.4336.5740.7545.1750.05
Share Capital 10.8510.8510.8510.8510.8510.8510.8510.8510.8510.85
Reserves 11.191314.9916.6819.1124.5825.7129.8934.3239.20
Minority Interest0000000000
Long Term Borrowings000001.080.460.100.240.25
Current Liabilities 3.722.633.8015.1116.0420.9920.3432.6552.1028.59
Trade Payables0000.090.120.070.120.490.260.11
Short term borrowings3.111.602.5414.0115.1319.9218.9830.6751.0727.61
Other Liabilities-3.11-1.61-2.54-14.10-15.26-19.99-19.11-31.16-51.33-27.72
Total Liabilities 25.7626.4829.6442.6445.9957.5157.3673.5097.5178.88

Assets

Non Current Asset 4.212.753.042.682.629.426.133.383.843.99
Loan Asset 0000000000
Other Non Current Asset 4.212.753.042.682.629.426.133.383.843.99
Current Asset 21.5123.7126.6039.9643.3848.0951.2370.1293.6874.89
Current Investment0000000000
Other Current Asset21.5123.7126.6039.9643.3848.0951.2370.1293.6874.89
Total Assets 25.7626.4829.6442.6445.9957.5157.3673.5097.5178.88

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity 1.66-2.31-0.27-11.361.20-4.530.51-13.11-15.0127.23
Cash Flow From Investing Activity -0.302.510.340.670.14-0.011.354.110-0.01
Cash Flow From Financing Activity -1.54-2.110.3510.51-1.233.11-2.63917-28.47
Net Cash Flow -0.19-1.900.42-0.180.11-1.43-0.7601.98-1.26
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)1222231445
DPS (₹)0000000000
BVPS (₹)20222425283334384246

Performance Ratios

ROA (%)2.47.98.05.45.55.42.26.45.25.5
ROE (%)2.89.09.17.38.58.53.410.810.310.3
ROCE (%)5.211.812.410.212.710.56.513.011.513.3

Valuation Parameters

Price/Book(x)7.13.40.50.60.60.40.10.30.50.9

Comfort Fincap Ltd Stock News

Comfort Fincap Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Comfort Fincap on 12-Apr-2024 10:19 is ₹9.29.
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 12-Apr-2024 10:19 the market cap of Comfort Fincap stood at ₹50.02.
The latest P/E ratio of Comfort Fincap as of 12-Apr-2024 10:19 is 9.31.
The latest P/B ratio of Comfort Fincap as of 12-Apr-2024 10:19 is 0.92.
The 52-week high of Comfort Fincap is ₹11.99 and the 52-week low is ₹6.47.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Comfort Fincap is ₹13.19 ( Cr.) .

About Comfort Fincap Ltd

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