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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
₹5.73 -0.02 (-0.35%)
As on 24-Sep'26 09:55
Comfort Intech Ltd (COMFINTE)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 531216 NSE: COMFINTE Trading | Small Cap | Comfort Intech Share Price
₹5.73 -0.02 (-0.35%)
As on 24-Sep'26 09:55
Key Metrics
Valuation Multiples
Market Cap
₹184 Cr.
Current Price
₹5.7
52-Week Low / High
₹5 / 9
TTM EPS
₹-0.1
TTM Sales
₹187 Cr.
Book Value per Share
₹5.5
P/E Ratio
0.00
Lower than its 5-year historical median
Industry PE
40.1
Price to Book (P/B)
1.05
Lower than its 5-year historical median
Price to Sales (P/S)
0.99
Lower than its 5-year historical median
EV/EBITDA
30.26
Higher than its 5-year historical median
Dividend Yield
0.87%
Profitability Efficiency
Return on Equity (ROE)
1.24%
Underperforms industry median
Return on Capital Employed (ROCE)
2.83%
Underperforms industry median
Return on Assets (ROA)
0.98%
Operating Profit Margin
7.5%
Net Profit Margin
1.5%
Gross Profit Margin
2.5%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Sales Growth (1 Year)
Slowing versus 3-year growth rate
-6.14%
Operating Profit Growth (1 Year)
Improving versus 3-year growth rate
15.72%
Net Profit Growth (1 Year)
Slowing versus 3-year growth rate
-73.09%
Asset Quality
Promoter Holding
56.13%
Pledged shares (%) of Promoter's holding (%)
27.84%
Reserves
₹143 Cr.
Equity
₹32 Cr.
Face Value
₹1
All Time Low / High
₹0.06 / 21.21
Check Before You Invest
Quality
Not GoodValuation
FairCheck Valuation charts
Price Trend
Semi Strong
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?
Revenue growth of Comfort Intech Ltd vs industry peers?
Comfort Intech Ltd revenue CAGR is 11.28%, compared to the industry median CAGR of 0.00%, indicating faster growth and gaining its market share.
Promoter shareholding and pledge status of Comfort Intech Ltd?
Promoters hold 56.13% of the Comfort Intech Ltd, with 27.84% of their stake pledged, indicating high pledge risk.
Stock return of Comfort Intech Ltd over the last decade?
Over the last 9 year(s), the stock has delivered a CAGR of 20% 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 endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
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'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROCE % ⓘ | 2% | 6.7% | 1.2% | 0.2% | 5.9% | 6.5% | 7.6% | 8.1% | 7.4% | 2.8% | - |
| Value Creation Index ⓘ | -0.9 | -0.5 | -0.9 | -1.0 | -0.6 | -0.5 | -0.5 | -0.4 | -0.5 | -0.8 | - |
Growth Parameters ⓘ |
|||||||||||
| Sales ⓘ | 8.8 | 22.1 | 54 | 59.3 | 85 | 111 | 141 | 154 | 147 | 138 | 180 |
| Sales YoY Gr. | - | 152.2% | 143.9% | 9.8% | 43.5% | 30.5% | 27.5% | 8.8% | -4.2% | -6.1% | - |
| Adj EPS ⓘ | 0.1 | 0.2 | 0 | -0 | 0.2 | 0.2 | 0 | 0.2 | 0.3 | 0.1 | 0.1 |
| YoY Gr. | - | 200% | -73.3% | -150% | NA | 0% | -86.7% | 1000% | 13.6% | -76% | - |
| BVPS (₹) ⓘ | 3.1 | 3.2 | 3.2 | 3.1 | 3.2 | 3.3 | 0.3 | 4.2 | 4.5 | 4.4 | 4.5 |
| Adj Net Profit ⓘ | 1.7 | 4.7 | 1.2 | -0.7 | 4.8 | 4.8 | 5.7 | 7.1 | 7.9 | 1.8 | 2 |
| Cash Flow from Ops. ⓘ | -5.1 | 11.7 | -4.9 | -0.5 | -13.3 | 4.6 | -2.7 | -8.1 | 18.9 | 1.5 | - |
| Debt/CF from Ops. ⓘ | -0.2 | 0.2 | -0.8 | -5.1 | -0.8 | 0.7 | -3.3 | -2.9 | 0.5 | 9 | - |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Sales ⓘ | 35.9% | 10.2% | -0.7% | -6.1% | ||||
| Adj EPS ⓘ | 2.1% | -16.7% | 44.2% | -76% | ||||
| BVPSⓘ | 4.1% | 6.3% | 134.8% | -1.4% | ||||
| Share Price | 19.9% | 22.9% | -4.5% | -32% | ||||
Key Financial Parameters ⓘ
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity % ⓘ | 1.7 | 4.7 | 1.1 | -0.7 | 4.8 | 4.6 | 5.2 | 5.9 | 5.7 | 1.3 | 1.1 |
| Op. Profit Mgn % ⓘ | 9.4 | 26.3 | 2.2 | 0.6 | 6.6 | 6.1 | 5.7 | 5 | 5.3 | 6.5 | 4.7 |
| Net Profit Mgn % ⓘ | 19.1 | 21.4 | 2.2 | -1.1 | 5.7 | 4.3 | 4 | 4.6 | 5.4 | 1.3 | 0.9 |
| Debt to Equity ⓘ | 0 | 0 | 0 | 0 | 0.1 | 0 | 0.1 | 0.2 | 0.1 | 0.1 | - |
| Working Cap Days ⓘ | 2,809 | 1,052 | 464 | 326 | 254 | 249 | 206 | 240 | 232 | 185 | 103 |
| Cash Conv. Cycle ⓘ | 342 | 84 | 53 | 40 | 58 | 52 | 32 | 43 | 63 | 83 | 67 |
Valuation of Comfort Intech - Consolidated
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 10.03 | 10.03 | 22.29 | 0.00 | 25.08 | 26.48 | 26.48 | 27.84 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 9 | 22 | 54 | 59 | 85 | 111 | 141 | 155 | 154 | 145 |
| Operating Expenses ⓘ + | 8 | 16 | 53 | 59 | 79 | 104 | 133 | 148 | 144 | 134 |
| Operating Profit ⓘ | 0 | 6 | 1 | 0 | 6 | 7 | 8 | 8 | 9 | 11 |
| Operating Profit Margin (%) | 4.5% | 26.1% | 1.0% | 0.6% | 6.6% | 6.1% | 5.7% | 4.8% | 6.1% | 7.5% |
| Other Income ⓘ + | 2 | 1 | 1 | 0 | 1 | 1 | 1 | 4 | 4 | -4 |
| Interest ⓘ | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 2 | 2 | 2 |
| Depreciation ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 |
| Profit Before Tax ⓘ | 2 | 7 | 1 | -0 | 6 | 7 | 8 | 9 | 10 | 4 |
| Tax ⓘ | 0 | 2 | 0 | 1 | 1 | 2 | 2 | 2 | 2 | 1 |
| Profit After Tax | 1 | 5 | 1 | -1 | 5 | 5 | 6 | 7 | 8 | 2 |
| PAT Margin (%) | 15.7% | 21.2% | 1.4% | -1.1% | 5.7% | 4.3% | 4.2% | 4.3% | 5.3% | 1.5% |
| Adjusted EPS (₹) | 0.0 | 0.1 | 0.0 | -0.1 | 0.3 | 0.2 | 0.0 | 0.5 | 0.4 | -0.1 |
| Dividend Payout Ratio (%) | 23.50% | 26.10% | 0% | 0% | 0% | 20.60% | 27.30% | 13% | 19.80% | -50.40% |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | |||||||||||
| Shareholders Fund + | 102 | 106 | 103 | 98 | 109 | 115 | 120 | 166 | 179 | 173 | |
| Debt + | 1 | 2 | 4 | 3 | 11 | 3 | 9 | 29 | 14 | 19 | |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 10 | 10 | 11 | |
| Trade Payables | 2 | 5 | 13 | 8 | 16 | 25 | 35 | 57 | 16 | 10 | |
| Others Liabilities ⓘ | 1 | 2 | 1 | 1 | 4 | 3 | 4 | 4 | 8 | 6 | |
| Total Liabilities ⓘ | 106 | 115 | 121 | 110 | 140 | 146 | 167 | 267 | 228 | 219 | |
Fixed Assets | |||||||||||
| Net Fixed Assets ⓘ + | 1 | 1 | 1 | 1 | 0 | 0 | 1 | 35 | 35 | 34 | |
| CWIP ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Investments ⓘ | 26 | 25 | 25 | 20 | 22 | 44 | 46 | 74 | 88 | 77 | |
| Inventories | 4 | 4 | 4 | 5 | 8 | 5 | 5 | 5 | 6 | 7 | |
| Trade Receivables | 3 | 10 | 15 | 23 | 40 | 39 | 55 | 98 | 48 | 52 | |
| Cash Equivalents | 6 | 18 | 12 | 8 | 9 | 6 | 7 | 7 | 8 | 7 | |
| Others Assets ⓘ | 66 | 56 | 64 | 53 | 61 | 52 | 54 | 48 | 43 | 42 | |
| Total Assets ⓘ | 106 | 115 | 121 | 110 | 140 | 146 | 167 | 267 | 228 | 219 | |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ + | -5 | 12 | -5 | -1 | -13 | 5 | -3 | -9 | 19 | 3 |
| Cash Flow From Investing Activity ⓘ + | 2 | 1 | -3 | -1 | 6 | 1 | -1 | 1 | -1 | -0 |
| Cash Flow From Financing Activity ⓘ + | -3 | 0 | 1 | -1 | 8 | -8 | 4 | 8 | -19 | 1 |
| Net Cash Flow ⓘ | -6 | 12 | -7 | -3 | 1 | -3 | 0 | -0 | -0 | 3 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Ratios | ||||||||||
| ROE (%) | 1.42 | 4.53 | 0.73 | -0.63 | 4.66 | 4.27 | 5 | 4.67 | 4.69 | 1.24 |
| ROCE (%) | 2 | 6.48 | 1.13 | 0.16 | 5.75 | 6.14 | 7.07 | 6.77 | 6.32 | 2.83 |
| Asset Turnover Ratio | 0.09 | 0.2 | 0.46 | 0.72 | 0.98 | 0.92 | 1.05 | 0.85 | 0.74 | 0.79 |
| PAT to CFO Conversion(x) | -5 | 2.4 | -5 | N/A | -2.6 | 1 | -0.5 | -1.29 | 2.38 | 1.5 |
| Working Capital Days | ||||||||||
| Receivable Days | 72.40 | 112.80 | 86.80 | 84.50 | 94.90 | 109.20 | 104.10 | 151.60 | 145.70 | 103.60 |
| Inventory Days | 317.80 | 66.70 | 27.20 | 20.70 | 19.60 | 17.50 | 10.70 | 9.20 | 10.90 | 13.60 |
| Payable Days | 83.70 | 131.70 | 70.50 | 77.90 | 72.40 | 84.80 | 91.80 | 130.10 | 106.10 | 41.30 |
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Comfort Intech Ltd FAQs
The current trading price of Comfort Intech on 24-Sep-2026 09:55 is ₹5.73.
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 23-Sep-2026 the market cap of Comfort Intech stood at ₹184.0 Cr
The latest P/E ratio of Comfort Intech as of 23-Sep-2026 is 118.3.
The latest P/B ratio of Comfort Intech as of 23-Sep-2026 is 1.29.
The 52-week high of Comfort Intech is ₹8.99 and the 52-week low is ₹5.16.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Comfort Intech is ₹180 ( 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 Semi Strong which suggest that the price of Comfort Intech Ltd is likely to Rise-somewhat 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
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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