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Comfort Intech Ltd (COMFINTE)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 531216 NSE: COMFINTE Trading | Small Cap | Comfort Intech Share Price

₹5.95 0.10 (1.71%)

As on 12-Jun'26 16:59

Comfort Intech Ltd (COMFINTE)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 531216 NSE: COMFINTE Trading | Small Cap | Comfort Intech Share Price

₹5.95 0.10 (1.71%)

As on 12-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹190 Cr.
Current Price
₹6
52-Week Low / High
₹6 / 10
TTM EPS
₹0.1
TTM Sales
₹169 Cr.
Book Value per Share
₹4.4
P/E Ratio
106.11
Higher than its 5-year historical median
Industry PE
35.6
Price to Book (P/B)
1.35
In line with its 5-year historical median
Price to Sales (P/S)
1.13
Lower than its 5-year historical median
EV/EBITDA
44.16
Higher than its 5-year historical median
Dividend Yield
0.71%
Profitability Efficiency
Return on Equity (ROE)
5.73%
Outperforms industry median
Return on Capital Employed (ROCE)
7.35%
Outperforms industry median
Return on Assets (ROA)
4.00%
Operating Profit Margin
5.3%
Net Profit Margin
5.36%
Gross Profit Margin
5.8%
Growth Momentum
1-yr vs 3-yr growth
Sales Growth (1 Year)
Slowing versus 3-year growth rate
-4.17%
Operating Profit Growth (1 Year)
Slowing versus 3-year growth rate
1.69%
Net Profit Growth (1 Year)
Slowing versus 3-year growth rate
10.03%
Asset Quality
Promoter Holding
56.08%
Pledged shares (%) of Promoter's holding (%)
26.48%
Reserves
₹109 Cr.
Equity
₹32 Cr.
Face Value
₹1
All Time Low / High
₹0.06 / 21.21

Comfort Intech stock performance

Key Ratios
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Check Before You Invest

Valuation

Fair

Price Trend

Weak
Q.1 Is Comfort Intech Ltd a good quality company?
Comfort Intech Ltd is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on company’s performance on Revenue growth, ROCE, Equity and Assets, key margin ratios, cash conversion cycle, and debt to cash flow from operations and how it compares 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 Revenue growth, Gross, Operating and Net Margins compared to its last 5-year median.

  • How efficiently has it utilized Capital?

    By checking its ROCE, ROA, ROE and its Cash Conversion Cycle.

  • How is it managing its Debt?

    By checking its Debt to Equity and Cash Flow from Operations.

How does Comfort Intech Ltd performance compare with that of its Peers?
Q.1 Revenue growth of Comfort Intech Ltd vs industry peers?
Comfort Intech Ltd revenue CAGR is 20.00%, compared to the industry median CAGR of 0%, indicating faster growth and gaining its market share.
Q.1 Promoter shareholding and pledge status of Comfort Intech Ltd?
Promoters hold 56.08% of the Comfort Intech Ltd, with 26.48% of their stake pledged, indicating high pledge risk.
Q.1 Stock return of Comfort Intech Ltd over the last decade?
Over the last 9 year(s), the stock has delivered a CAGR of 22.6% based on the current price.

10 Year X-Ray :

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 Intech Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good

Value Creation

Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
ROCE % 4.4%2%6.7%1.2%0.2%5.9%6.5%7.6%8.1%7.4%-
Value Creation
Index
-0.7-0.9-0.5-0.9-1.0-0.6-0.5-0.5-0.4-0.5-

Growth Parameters

Sales 10.58.822.15459.385111141154147169
Sales YoY Gr.--16.3%152.2%143.9%9.8%43.5%30.5%27.5%8.8%-4.2%-
Adj EPS 0.10.10.20-00.20.200.20.30.1
YoY Gr.--50%200%-73.3%-150%NA0%-86.7%1000%13.6%-
BVPS (₹) 33.13.23.23.13.23.30.34.24.54.4
Adj Net
Profit
3.31.74.71.2-0.74.84.85.77.17.92
Cash Flow from Ops. 2.6-5.111.7-4.9-0.5-13.34.6-2.7-8.118.9-
Debt/CF from Ops. 1.2-0.20.2-0.8-5.1-0.80.7-3.3-2.90.5-

CAGR

9 Years 5 Years 3 Years 1 Years
Sales 34.2%20%10%-4.2%
Adj EPS 10.7%NA18.6%13.6%
BVPS4.7%7.9%10.2%7.2%
Share Price 22.5% 34% 6.5% -38.7%

Key Financial Parameters

Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Return on
Equity %
3.61.74.71.1-0.74.84.65.25.95.71.4
Op. Profit
Mgn %
41.69.426.32.20.66.66.15.755.35.3
Net Profit
Mgn %
31.619.121.42.2-1.15.74.344.65.41.1
Debt to
Equity
000000.100.10.20.10
Working Cap
Days
2,4082,8091,052464326254249206240232103
Cash Conv.
Cycle
396342845340585232436367

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Sales10922545985111141154147
Operating Expenses + 6816535979104133146140
Manufacturing Costs0025344555
Material Costs151045486188119129126
Employee Cost 1112111111
Other Costs 3232614118117
Operating Profit 4061067888
Operating Profit Margin (%) 41.6%4.5%26.1%1.0%0.6%6.6%6.1%5.7%5.0%5.3%
Other Income + 0211011144
Exceptional Items 0000000000
Interest 0000011121
Depreciation 0000000000
Profit Before Tax 4271-06781010
Tax 1020112222
Profit After Tax 3151-155678
PAT Margin (%) 31.6%15.7%21.2%1.4%-1.1%5.7%4.3%4.2%4.7%5.4%
Adjusted EPS (₹)0.10.00.20.0-0.00.20.20.00.20.3
Dividend Payout Ratio (%)19.40%23.30%20.40%0%0%0%33.30%32.70%31.20%28.30%

Valuation of Comfort Intech - 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

Shareholders Fund + 949810410198104106110133143
Share Capital 32323232323232323232
Reserves 6266726966727478101111
Debt +312431139248
Long Term Debt0000000011
Short Term Debt312431139238
Minority Interest0000000000
Trade Payables0251381625355816
Others Liabilities 2121143458
Total Liabilities 100103112119110135137158220175

Fixed Assets

Net Fixed Assets +2111100121
Gross Block3222222333
Accumulated Depreciation1112222211
CWIP 0000000000
Investments 17222323191635366071
Inventories11444585546
Trade Receivables131015234039559747
Cash Equivalents 1261812896777
Others Assets 58665664536152544943
Total Assets 100103112119110135137158220175

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity + 3-512-5-1-135-3-819
PBT 4271-06781010
Adjustment 1-2213-2-2-2-1-2
Changes in Working Capital -2-55-6-3-162-8-1513
Tax Paid -0-0-1-1-1-1-1-1-2-2
Cash Flow From Investing Activity + -121-3-161-1-4-0
Capex -10-0-00-0-0-1-1-0
Net Investments 010-3-260-1-3-1
Others 1111001101
Cash Flow From Financing Activity + 1-301-18-8412-19
Net Proceeds from Shares 0000000000
Net Proceeds from Borrowing 0000000000
Interest Paid -0-0-0-0-0-0-0-0-1-1
Dividend Paid -1-1-0-1000-2-2-2
Others 1-212-18-8615-15
Net Cash Flow 3-612-7-31-30-00

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Ratios
ROE (%)3.561.434.660.74-0.634.84.575.425.95.73
ROCE (%)4.426.661.160.165.916.547.648.117.35
Asset Turnover Ratio0.110.090.210.470.7310.971.110.970.89
PAT to CFO Conversion(x)1-52.4-5N/A-2.61-0.5-1.142.38
Working Capital Days
Receivable Days14.9088112.8086.8084.5094.90109.20104.10152.10149.60
Inventory Days389.10316.3066.7027.2020.7019.6017.5010.709.1010.90
Payable Days20.3083.90131.7070.5077.9072.4084.8091.80131107.10

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.0010.0310.0322.290.0025.0826.4826.48
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Comfort Intech Ltd FAQs

The current trading price of Comfort Intech on 12-Jun-2026 16:59 is ₹5.95.

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 11-Jun-2026 the market cap of Comfort Intech stood at ₹190.4 Cr

The latest P/E ratio of Comfort Intech as of 11-Jun-2026 is 106.1.

The latest P/B ratio of Comfort Intech as of 11-Jun-2026 is 1.35.

The 52-week high of Comfort Intech is ₹10.00 and the 52-week low is ₹5.56.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Comfort Intech is ₹169 ( Cr.) .

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

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

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

About Comfort Intech Ltd

Established in 1994, Comfort Intech is presently engaged in capital market operations, investments, finance and software activities. The profit making company went for its Initial Public Offering (IPO) in September 1995 for Rs 250 lakh, which was oversubscribed by more then 29 times.

The company, whose shares are listed on Mumbai and Jaipur Stock Exchanges, is managed by professionals from different fields with abundant experience. It is a registered NBFC from Reserve Bank of India. It deals in shares and securities, granting of corporate and non-corporate loans, investments and some software operations.

The management of the company always had the plans to utilize the expertise for more profitable financial ventures.

The company's main business activities are located in western suburb of Malad, which is already one of the largest consumer market. In this locality, the company has excellent relationships with many reputed dealers of consumer durables who would help the company in reaching its target customers.

Services offered:

a) Corporate Banking –

  • Syndication of rupee & foreign currency loans 
  • Trade finance & bill discounting against L/C 
  • Inter Corporate Loans
  • Loans against listed shares 

b) Financial Management  -

  • Project appraisal and prefeasibility/ feasibility study.
  • Consultancy in financial restructuring/reengineering
  • Private placement of equity, debt and hybrid instruments.
  • Consultancy through mergers, reverse mergers & acquisitions. 

c) Investment Advisory -

  • Fixed & variable income products, advisory and distribution 
  • Mutual Funds advisory and distribution

d) Personalized Loans -   

  • Housing loans 
  • Car loans
  • Personal loans
  • Loan against property.

e) Market Research -

  • Market Surveys 
  • Compilation of Research activities
  • Portfolio analysis on behalf of clients
  • Competitive analysis 

Future plans:

 Comfort Intech plans to enter into the lucrative segment of providing finance for consumer durables to needy individuals. The field is highly remunerative given that the ever diminishing interest rates do not impact this segment.

The company has at its disposal a spacious office premises of about 2,800 square feet with all latest infrastructure and a team of experienced staff members. All that the company needs is a low cost capital which can be deployed in this profitable venture.

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