Pal Credit & Capital Ltd - Stock Valuation and Financial Performance

BSE: 511306 | NSE: PALCREDIT | Finance - NBFC | Small Cap

BSE Share Price
Not Listed

DeciZen - make an informed investing decision on Pal Credit & Capital

M-Cap below 100cr DeciZen not available

Pal Credit & Capital stock performance -

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P/E Ratio (SA):
0.00
Market Cap:
2.8 Cr.
52-wk low:
1.3
52-wk high:
1.3

Is an attractive stock to invest in?

1. Is a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Pal Credit & Capital Ltd is a below average quality company.

2. Is undervalued or overvalued?

No data found

3. Is a good buy now?

No data found

10 Year X-Ray of Pal Credit & Capital:

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.
Pal Credit & Capital Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16TTM
Operating Income (₹ Cr.)0.12.90.30.10.10.100000
YoY Gr. Rt. %-5740%-90.4%-50%-21.4%-54.6%-100%NANANA-
Adj EPS (₹ ) -0.9-0.1-0.2-0.1-0.1-0.9-0.1-0.2-0.3-0.3-0.2
YoY Gr. Rt. %-NANANANANANANANANA-
BVPS (₹ )0.90.80.70.50.4-0.5-0.6-0.8-1.1-1.4-1.2
YoY Gr. Rt. %--10.8%-21.7%-21.5%-19.6%-224.4%NANANANA-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)-17.3-2.9-20.9-23.1-21.4-361.5-142.1-209.9-339.7-511.70

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income-100%-100%NANA
Adj EPSNANANANA
BVPS-204.6%-227.7%NANA
Share Price - - - -

Key Financial Ratios

RATIOS \ YEARSMar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16TTM
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 (%)-4231.9-7.4-139.6-217.4-196.5-3782.70000-INF
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)-224.8-11.4-24.6-23.4-21.80000017.5

Recent Performance Summary

No data to display

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

Latest Financials - Pal Credit & Capital Ltd.

Standalone Consolidated
TTM EPS (₹) -0.2 -
TTM Sales (₹ Cr.) 0 -
BVPS (₹.) -1.2 -
Reserves (₹ Cr.) -5 -
P/BV -1.11 -
PE 0.00 -
From the Market
52 Week Low / High (₹) 1.31 / 1.31
All Time Low / High (₹) 0.18 / 67.50
Market Cap (₹ Cr.) 2.8
Equity (₹ Cr.) 2.2
Face Value (₹) 1
Industry PE 31.5

Management X-Ray of Pal Credit & Capital:

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 Pal Credit & Capital

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16
Income0.076.223.290.250.150.060.020.010.010.39
Interest Income0.052.920.280.140.110.050000
Other Income 0.023.303.010.110.040.010.020.010.010.39
Expenditure 2.706.443.280.540.360.460.290.410.621
Interest Expense 1.670.330000000.240.30
Operating Expenses 1.020.820.350.540.360.460.290.410.370.35
Provisions 0.025.292.920000000.34
Exceptional Items 1.86000000000
Profit Before Tax -0.78-0.210.01-0.29-0.22-0.40-0.27-0.40-0.61-0.61
Taxes 1.1300.41001.590000
Profit After Tax -1.91-0.22-0.39-0.29-0.22-1.99-0.27-0.40-0.61-0.61
Adjusted EPS (₹)-0.9-0.1-0.2-0.1-0.1-0.9-0.1-0.2-0.3-0.3
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16

Equity and Liabilities

Equity Capital4.581.801.401.110.89-1.10-1.38-1.78-2.39-2.99
Share Capital 21.6021.6021.6021.6021.6021.6021.602.162.162.16
Reserves -17.02-19.80-20.20-20.49-20.71-22.70-22.98-3.94-4.55-5.15
Minority Interest0000000000
Long Term Borrowings3.690.0100000000
Current Liabilities 4.420.540.010.020.021.301.571.972.563.06
Trade Payables2.950.020.010.02000000
Short term borrowings000001.021.541.862.462.82
Other Liabilities-2.95-0.02-0.01-0.020-1.02-1.54-1.86-2.46-2.82
Total Liabilities 12.692.351.421.120.910.200.190.190.170.07

Assets

Non Current Asset 0.010.040.110.100.060.050.040.030.030
Loan Asset 0000000000
Other Non Current Asset 0.010.040.110.100.060.050.040.030.030
Current Asset 12.672.311.311.020.850.150.150.160.140.07
Current Investment0000000000
Other Current Asset12.672.311.311.020.850.150.150.160.140.07
Total Assets 12.692.351.421.120.910.200.190.190.170.07

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16
Cash Flow From Operating Activity 0.153.730.17-0.10-0.09-1.03-0.52-0.32-0.35-0.04
Cash Flow From Investing Activity -0.01-0.03-0.10000000-0.02
Cash Flow From Financing Activity -0.18-3.67-0.01001.020.520.320.350.05
Net Cash Flow -0.040.030.06-0.11-0.08-0.010000
PARTICULARSMar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16

Operational & Financial Ratios

EPS (₹)-10000-10000
DPS (₹)0000000000
BVPS (₹)11110-1-1-1-1-1

Performance Ratios

ROA (%)-17.3-2.9-20.9-23.1-21.4-361.0-142.0-209.0-339.0-511.0
ROE (%)-224.0-11.4-24.6-23.4-21.80.00.00.00.00.0
ROCE (%)12.83.10.8-23.3-21.8-99.8-716.0-321.0-463.00.0

Valuation Parameters

Price/Book(x)1.37.43.15.86.0-2.6-1.2-2.0-2.10.0

Pal Credit & Capital Ltd Stock News

Pal Credit & Capital Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Pal Credit & Capital on 01-Jan-1970 05:30 is ₹0.00.
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 01-Jan-1970 05:30 the market cap of Pal Credit & Capital stood at ₹2.83.
The latest P/E ratio of Pal Credit & Capital as of 01-Jan-1970 05:30 is 0.00.
The latest P/B ratio of Pal Credit & Capital as of 01-Jan-1970 05:30 is -1.11.
The 52-week high of Pal Credit & Capital is ₹1.31 and the 52-week low is ₹1.31.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Pal Credit & Capital is ₹0.00 ( Cr.) .

About Pal Credit & Capital Ltd

Pal Credit & Capital was incorporated on February 28, 1962 and is engaged in the business of hire purchase and other financial activities. It was earlier known as Pal Hire Purchase, it got its present name on March 26, 1992. The company belongs to the Walchand group and has been promoted by Premier (earlier Premier Automobiles). Walchandnagar Industries is another group company.

The registered office of the company is located at Jayant Arcade, 2nd Floor, M G Road, Rajawadi Junction, Ghatkopar (East), Mumbai 400077.

Business area of the company

The company is engaged in the business of hire purchase and lease financing automobiles, equipments, bill discounting, financial consultancy, merchant banking, etc.

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