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Credent Global Finance Ltd (539598)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 539598 NSE: Finance - NBFC | Small Cap | Credent Global Fin. Share Price

₹27.44 -0.14 (-0.51%)

As on 04-Jun'26 16:59

Credent Global Finance Ltd (539598)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 539598 NSE: Finance - NBFC | Small Cap | Credent Global Fin. Share Price

₹27.44 -0.14 (-0.51%)

As on 04-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹169 Cr.
Current Price
₹27.4
52-Week Low / High
₹21 / 35
TTM EPS
₹4.6
Book Value per Share
₹21.1
P/E Ratio
6.03
Lower than its 5-year historical median
Industry PE
25.6
Price to Book (P/B)
1.30
Lower than its 5-year historical median
EV/EBITDA
6.42
Lower than its 5-year historical median
Dividend Yield
0.00%
Profitability Efficiency
Return on Equity (ROE)
3.39%
Return on Capital Employed (ROCE)
5.93%
Return on Assets (ROA)
2.55%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
34.83%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
1.79%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹8.3 Cr.
Reserves
₹117 Cr.
Equity
₹12.3 Cr.
Face Value
₹2
All Time Low / High
₹1.55 / 66.16

Credent Global Finance stock performance

Key Ratios
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Quality

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Valuation

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Price Trend

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Q.1 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.

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.

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 9.68%, indicating faster growth and gaining its market share.
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.
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 72.11% based on the current price.

10 Year X-Ray : Login to view analysis.

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.
Credent Global Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)0.20.30.20.30.30.30.6379.88
YoY Gr. Rt. %-10.6%-4.2%8%8.6%19.5%73.6%402%128.7%41.1%-
Adj EPS (₹ ) -0.100000.10.20.40.40.44.6
YoY Gr. Rt. %-NA0%300%0%50%150%146.7%10.8%2.4%-
BVPS (₹ )1.91.91.9222.12.2412.312.521.1
YoY Gr. Rt. %-1.1%0.5%2.1%2%3%6.7%78.4%210.4%1.8%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)-30.60.71.92.22.76.65.83.52.60

CAGR

9 Years 5 Years 3 Years 1 Years
Net Interest Income51.4%102%153%41.1%
Adj EPSNA60%41%2.4%
BVPS23.2%44%78%1.8%
Share Price - 69.9% -4.5% 13.6%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
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 (%)-70.813.414.93942.845.968.543.430.522.1338.1
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)-30.60.71.92.22.76.812.95.53.421.6

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 00000013710
Interest Income00000013710
Other Income 0000000011
Exceptional Items 0000000000
Expenditure + 0000000147
Interest Expense 0000000012
Operating Expenses 0000000124
Provisions 0000000011
Exceptional Items 0000000000
Profit Before Tax -0000001233
Taxes 0000000111
Profit After Tax -0000000122
Adjusted EPS (₹)-0.10.00.00.00.00.10.20.40.40.4
Dividend Payout Ratio (%)0%0%0%0%0%0%0%26.30%0%0%

Valuation of Credent Global Fin. - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +5666666146364
Share Capital 666666671010
Reserves -0-0-0000175354
Short term borrowings00000001900
Long Term Borrowings-0-0-0-0-0-0-011620
Current Liabilities 00000002424
Trade Payables0000000000
Other Liabilities-000-0-0-0-0-19-0-0
Total Liabilities 6666667398188

Assets

Non Current Asset +2222200128085
Loan Asset 000000006854
Other Non Current Asset 2222200121231
Current Asset +33344662714
Current Investment0000000000
Other Current Asset33344662714
Total Assets 6666667398188

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity -10-00-0-0-0-12-419
Cash Flow From Investing Activity 0000000-11-0-9
Cash Flow From Financing Activity 000000026392
Net Cash Flow -00-00-0-0-03-32

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios

EPS (₹)-0.300.100.100.200.200.300.801.902.100.40
DPS (₹)00000000.5000
BVPS (₹)9.99.91010.210.410.711.420.461.412.5

Performance Ratios

ROA (%)-3.00.60.71.92.22.76.65.83.52.6
ROE (%)-3.00.60.71.92.22.76.812.95.53.4
ROCE (%)-3.01.11.02.53.03.79.210.77.45.9

Valuation Parameters

Price/Book(x)0.00.01.01.20.90.04.03.42.42.3

Management X-Ray

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 (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Credent Global Finance Ltd FAQs

The current trading price of Credent Global Fin. on 04-Jun-2026 16:59 is ₹27.44.

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 03-Jun-2026 the market cap of Credent Global Fin. stood at ₹168.7 Cr

The latest P/E ratio of Credent Global Fin. as of 03-Jun-2026 is 6.03.

The latest P/B ratio of Credent Global Fin. as of 03-Jun-2026 is 1.30.

The 52-week high of Credent Global Fin. is ₹35.06 and the 52-week low is ₹20.70.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Credent Global Fin. is ₹8.27 ( Cr.) .

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

The key valuation ratios of Credent Global Finance Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Credent Global Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

About Credent Global Finance Ltd

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