Jhaveri Credits & Capital Ltd - Stock Valuation and Financial Performance

BSE: 531550 | NSE: | Finance - Stock Broking | Small Cap

Jhaveri Credits&Cap Share Price

480.75 22.85 4.99%
as on 28-Mar'24 16:01

DeciZen - make an informed investing decision on Jhaveri Credits&Cap

Overall Rating
M-Cap below 500cr. High Risk from low Liquidity Bole Toh

1. Quality

2. Valuation

Fair

3. Price Trend

Jhaveri Credits & Capital stock performance -

mw4me loader
P/E Ratio (SA):
175.02
Market Cap:
411.5 Cr.
52-wk low:
57.5
52-wk high:
527.3

Is Jhaveri Credits & Capital Ltd an attractive stock to invest in?

1. Is Jhaveri Credits & Capital Ltd a good quality company?

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

2. Is Jhaveri Credits & Capital Ltd undervalued or overvalued?

The key valuation ratios of Jhaveri Credits & Capital Ltd's currently when compared to its past seem to suggest it is in the Fair zone.

3. Is Jhaveri Credits & Capital Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Jhaveri Credits & Capital 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 Jhaveri Credits&Cap:

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.
Jhaveri Credits & Capital Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good

Value Creation

Value Creation Index Colour Code Guide

Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
ROCE % 3.7%1%0.8%0.3%2.2%-5.5%-3.3%-5.3%4.6%10.1%-
Value Creation
Index
-0.7-0.9-0.9-1.0-0.8-1.4-1.2-1.4-0.7-0.3-

Growth Parameters

Growth Parameters Colour Code Guide

Sales 2.81.61.81.31.11.20.53.59.111.613
Sales YoY Gr.--43.3%11.5%-24.6%-13.6%5.3%-55%546.3%159.6%28.3%-
Adj EPS 0.40.10-00.2-0.7-0.4-0.60.41.22.6
YoY Gr.--87.2%-80%-400%NA-404.2%NANANA190.5%-
BVPS (₹) 12.712.712.712.712.912.211.811.211.612.890.8
Adj Net
Profit
0.30000.2-0.5-0.3-0.40.30.82
Cash Flow from Ops. -1.53.9-5.91.9-1.5-0.3-1.3-0.94.91.7-
Debt/CF from Ops. -0.30.1-0.10.200000.70-

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Sales 17.3%59.1%178.1%28.3%
Adj EPS 13.5%38.4%NA190.5%
BVPS0.2%-0.2%2.8%10.4%
Share Price 56.7% 168.1% 470.4% 617.3%

Key Financial Parameters

Performance Ratio Colour Code Guide

Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Return on
Equity %
3.10.40.1-0.31.9-5.8-3.3-5.33.7105.1
Op. Profit
Mgn %
2.9-9.7-4.9-8.15-47.6-45.1-3.91.67.618.5
Net Profit
Mgn %
920.3-1.613.8-39.1-47.4-11.336.818
Debt to
Equity
0.10.10.10.100000.40-
Working Cap
Days
1,2151,4311,3712,1712,1852,0684,459722241213870
Cash Conv.
Cycle
5913562619541,2721,4032,954450101-15868

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 5.10%

Sales growth is growing at healthy rate in last 3 years 178.14%

Sales growth is good in last 4 quarters at 297.05%

Net Profit has been subdued in last 3 years 0.00%

Latest Financials - Jhaveri Credits & Capital Ltd.

Standalone Consolidated
TTM EPS (₹) 2.6 0.2
TTM Sales (₹ Cr.) 13.1 1.5
BVPS (₹.) 90.8 0
Reserves (₹ Cr.) 73 69
P/BV 5.04 0.00
PE 175.02 0.00
From the Market
52 Week Low / High (₹) 57.47 / 527.30
All Time Low / High (₹) 0.50 / 527.30
Market Cap (₹ Cr.) 411
Equity (₹ Cr.) 9
Face Value (₹) 10
Industry PE 25.3

Management X-Ray of Jhaveri Credits&Cap:

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 Jhaveri Credits&Cap

Adj EPS (Rs.)

Sales (Cr.)

ROE (%)

ROCE (%)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income322211141012
Interest Income32211113912
Other Income 0000000010
Expenditure 32221214911
Interest Expense 0000000000
Operating Expenses 32211214911
Provisions 0000000000
Exceptional Items 0000000000
Profit Before Tax 0000000001
Taxes 0000000000
Profit After Tax 0000000001
Adjusted EPS (₹)0.40.10.00.00.2-0.7-0.4-0.60.41.2
Dividend Payout Ratio (%)0%0%0%0%0%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 Capital8888888788
Share Capital 6666666666
Reserves 2222211112
Minority Interest0000000000
Long Term Borrowings0021110030
Current Liabilities 5533111211
Trade Payables4432111111
Short term borrowings0000000000
Other Liabilities-4-4-3-3-1-1-1-1-1-1
Total Liabilities 14131312111099129

Assets

Non Current Asset 2211112200
Loan Asset 0000000000
Other Non Current Asset 2211112200
Current Asset 1111121110977129
Current Investment0000000070
Other Current Asset11111111997659
Total Assets 14131312111099129

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity -14-62-10-1-152
Cash Flow From Investing Activity 00100000-67
Cash Flow From Financing Activity 000000001-9
Net Cash Flow -24-52-20-1-200
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)00000-10-101
DPS (₹)0000000000
BVPS (₹)13131313131212111213

Performance Ratios

ROA (%)1.60.20.0-0.21.4-4.4-2.6-4.42.67.5
ROE (%)3.10.40.1-0.31.9-5.8-3.3-5.33.710.0
ROCE (%)5.51.51.11.72.9-5.2-3.2-0.16.011.2

Valuation Parameters

Price/Book(x)0.40.50.50.60.00.30.20.20.44.7

Jhaveri Credits & Capital Ltd Stock News

Jhaveri Credits & Capital Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Jhaveri Credits&Cap on 28-Mar-2024 16:01 is ₹480.8.
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 28-Mar-2024 16:01 the market cap of Jhaveri Credits&Cap stood at ₹411.5.
The latest P/E ratio of Jhaveri Credits&Cap as of 28-Mar-2024 16:01 is 175.0.
The latest P/B ratio of Jhaveri Credits&Cap as of 28-Mar-2024 16:01 is 5.04.
The 52-week high of Jhaveri Credits&Cap is ₹527.3 and the 52-week low is ₹57.47.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Jhaveri Credits&Cap is ₹13.06 ( Cr.) .

About Jhaveri Credits & Capital Ltd

Jhaveri Credits and Capital was incorporated on October 7, 1993 and is promoted by Jitendra B Jhaveri, Shakuntala Jhaveri and Rajesh Jhaveri for the purpose of carrying on the business of leasing and hire purchase, bill discounting etc.

In January 1996, company came out with a public issue of 35,40,000 equity shares of Rs 10 each for cash at par aggregating to Rs 3.54 crore to augment long term requirement of funds to meet the needs of expanding business. The company proposes to expand its activities in the area of hire purchase and leasing. The strategic focus will be to provide financial services to industrial sector and transport.

The registered office of the company is located at 301, Payal Towers, Sayajigunj Vadodara, Gujarat-390005.

Business area of the company

The company is presently engaged in the business of leasing, hire purchase, intercorporate deposits, investments in primary and secondary market business.

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