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Jayabharat Credit Ltd Stock Analysis

Small Cap
Evaluated by 27 users | BSE: 501311 | NSE: |
Finance - NBFC
Jayabharat Credit company was originally incorporated as The Jayabharat Insurance Company Limted on March 25, 1943, was dealing in general insurance business. On nationalisation of insurance business in 1969 the company was subsidiary to The New India Assuarance Company, which took over the...

Analysis of Financial Track Record

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.
 Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20
Operating Income (Rs. Cr.)6.86.25.52.90.700.7000
Y-o-Y Gr. Rt.--8.5%-11.6%-46.5%-77.9%-100%NA-100%NANA
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
0.65-0.2-0.41-6.12-4.5-6.79-3.59-3.14-121.28-2.3
Y-o-Y Gr. Rt.--130.8%NANANANANANANANA
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
37.2537.0536.6730.5525.8219.0315.4312.29-108.99-111.29
Y-o-Y Gr. Rt.--0.5%-1%-16.7%-15.5%-26.3%-18.9%-20.4%-986.8%NA
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%): Colour Rating Guide
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1: Not Good
Net Profit/Total Funds (%)0.41-0.16-0.32-4.84-3.57-5.45-2.95-2.6-197.39-109.84
Standalone financials take only the parent company into account while consolidated financials take into account financials of the parent company as well as of all its subsidiaries. In most companies consolidated financials should be used for analysis.
Jayabharat Credit Ltd. should be analysed on a Standalone basis
CAGR
CAGR Colour Code Guide
  9 yrs 5 yrs 3 yrs 1 yr
Operating Income-100%-100%-100%NA
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-215.1%NANANA
Book Value per Share
-212.9%-233.9%-293.2%NA
Share Price -6% -0.2% -18.2% 195.3%
Key Financial Ratios
RATIOS \ YEARSMar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20
Asset Quality Ratio
To view Asset Quality Ratio Colour Rating Guide click here
Asset Quality Ratio: Colour Rating Guide
  • <0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1 : Not Good
Net NPA to Net Advances (%)0000000000
Capitalization Ratio
To view Capitalization Ratio Colour Rating Guide click here
Capitalization Ratio: Colour Rating Guide
  • >17% : Very Good
  • 15%-17% : Somewhat Good
  • <15% : Not Good
Capital Adequacy Ratio (%)0000000000
Margins
Net Profit Margin (%) 4.8-1.64-3.73-103.95-348.440-276.59000
Performance Ratios
To view Performance Ratios Colour Rating Guide click here
Performance Ratios: Colour Rating Guide
  • >15 : Very Good
  • 12-15 : Somewhat Good
  • <12 : Not Good
Return on Equity (%) 1.76-0.55-1.11-18.2-15.96-30.27-20.86-22.6700
Entity Percentage Holding
Promoters 0.09%
Institutions 0.09%
Non-Institutions 99.82%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)
Data is not available for this company.

The 5-year analysis of Jayabharat Credit Ltd's performance infers:

Jayabharat Credit Ltd earnings have grown by 0%, whereas share price has depreciated -0.2% CAGR over the past five years, indicating the company's share price is likely undervalued. However, for specific investment actions please connect with your investment advisor.

We analysed the performance of Jayabharat Credit Ltd share prices over the last 10 years. Here is what we found out:

Jayabharat Credit Ltd share price has depreciated -4.8% annually over the past ten years.

Jayabharat Credit company was originally incorporated as The Jayabharat Insurance Company Limted on March 25, 1943, was dealing in general insurance business. On nationalisation of insurance business in 1969 the company was subsidiary to The New India Assuarance Company, which took over the insurance business of the company.

Jayabharat changed course to become Non Banking Finance Company (NBFC) and took to the business of financing trucks under hire-purchase schemes. Leasing followed so

Jayabharat Credit company was originally incorporated as The Jayabharat Insurance Company Limted on March 25, 1943, was dealing in general insurance business. On nationalisation of insurance business in 1969 the company was subsidiary to The New India Assuarance Company, which took over the insurance business of the company.

Jayabharat changed course to become Non Banking Finance Company (NBFC) and took to the business of financing trucks under hire-purchase schemes. Leasing followed so did corporate financing. The company has been paying uninteruppted dividend since past 34 years to its shareholders.

The company has been re-classified as an Asset Financing Company (AFC) by the Reserve Bank of India vide their Registration Certificate No. 13.01132 dated 03/06/2008.

The company does not interfere in the affairs of the borrower except for the purposes provided in the terms and conditions of the loan agreement.

Upon receipt of any request for transfer of loan account by the borrower, the consent or objection would be conveyed within 21 days from the date of receipt of request. The company does not have a practice of transfer of loan account from one customer to another. However upon receipt of such a request the company may consider the same provided the transferee and his credit worthiness is acceptable to the company.

Products and services offered by the company :

Hire Purchase Financing for:-

  • Heavy Commercial Vehicle
  • Light Commercial Vehicle
  • EarthMoving Equipment
  • Light Motor Vehicles
  • Industrial Equipments
  • Office Equipments

Leasing

Corporate Financing

Fixed Deposit Scheme

Puchho Befikar
SEBI Registered: Investment Adviser - INA000013323

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