WEBSITE BSE:531582 NSE: BERYL SECUR. Inc. Year: 1994 Industry: Finance - NBFC My Bucket: Add Stock
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Beryl Securities Ltd. is an Indian financial services company incorporated in December 1994 and headquartered in Indore, Madhya Pradesh, with its equity shares listed on the Bombay Stock Exchange (BSE: 531582). It is registered with the Reserve Bank of India (RBI) as a non‑deposit‑taking Non‑Banking Financial Company (NBFC‑ND‑NSI), and its core business is providing a range of financial and lending solutions including personal loans, vehicle loans (such as car and e‑bike loans), business and working capital loans, invoice financin...Read More
Beryl Securities Ltd. is an Indian financial services company incorporated in December 1994 and headquartered in Indore, Madhya Pradesh, with its equity shares listed on the Bombay Stock Exchange (BSE: 531582). It is registered with the Reserve Bank of India (RBI) as a non‑deposit‑taking Non‑Banking Financial Company (NBFC‑ND‑NSI), and its core business is providing a range of financial and lending solutions including personal loans, vehicle loans (such as car and e‑bike loans), business and working capital loans, invoice financing and MSME term loans to individuals, small businesses and enterprises. The company earns revenue from interest and fees/commission income and operates within India’s financial services sector with a modest market capitalisation. Over recent years it has experienced fluctuations in revenue and profitability typical of micro‑cap NBFCs and continues to focus on expanding its loan offerings and financial services portfolio ...Read Less
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Market Cap ₹18 Cr.
Stock P/E 68.2
P/B 1.8
Current Price ₹36.2
Book Value ₹ 20.5
Face Value 10
52W High ₹41.8
Dividend Yield 0%
52W Low ₹ 22
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 1 | 1 | 1 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 |
| Total Expenditure | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 1 | 1 |
| Operating Profit | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 | 1 |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | -0 | 0 |
| Provision for Tax | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 | 0 |
| Profit After Tax | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | -0 | 0 |
| Adjustments | 0 | 0 | -0 | -0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | -0 | 0 |
| Adjusted Earnings Per Share | 0.1 | 0.2 | 0.2 | 0.1 | 0.3 | 0.4 | -0.3 | 0.3 | -0.4 | 0.5 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 3 |
| Other Income | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 1 | 1 | 2 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 4 |
| Total Expenditure | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 3 |
| Operating Profit | 1 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 1 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Provision for Tax | 0 | 0 | 0 | -0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Tax | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted Earnings Per Share | 0.9 | 0.6 | 1.3 | 0.9 | 0.8 | 0.7 | 0.6 | 0.7 | 0.3 | 0.4 | 0.5 | 0.1 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 100% | 26% | 15% | 7% |
| Operating Profit CAGR | 0% | 0% | 0% | -100% |
| PAT CAGR | 0% | 0% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 7% | 53% | 41% | 17% |
| ROE Average | 3% | 2% | 3% | 4% |
| ROCE Average | 4% | 3% | 4% | 5% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 7 | 7 | 8 | 8 | 8 | 9 | 9 | 9 | 10 | 10 | 10 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 |
| Current Liability | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
| Other Liabilities & Provisions | -0 | -0 | -0 | -0 | 0 | -0 | -0 | -0 | -0 | -0 | -0 |
| Total Liabilities | 7 | 7 | 8 | 9 | 9 | 9 | 9 | 10 | 10 | 10 | 13 |
| Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Fixed Assets | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Loans | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 0 |
| Other Non Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Assets | 6 | 6 | 7 | 7 | 8 | 8 | 9 | 9 | 9 | 10 | 13 |
| Total Assets | 7 | 7 | 8 | 9 | 9 | 9 | 9 | 10 | 10 | 10 | 13 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash Flow from Operating Activities | 0 | -0 | -1 | -0 | -1 | 0 | 0 | -0 | -0 | 1 | -1 |
| Cash Flow from Investing Activities | 0 | -0 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | -1 | -1 |
| Cash Flow from Financing Activities | 0 | 0 | -0 | -0 | -0 | -0 | 0 | 0 | 0 | 0 | 2 |
| Net Cash Inflow / Outflow | 0 | -0 | 0 | 0 | -0 | 0 | 0 | -0 | -0 | 0 | -0 |
| Closing Cash & Cash Equivalent | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0.93 | 0.57 | 1.35 | 0.91 | 0.81 | 0.72 | 0.61 | 0.71 | 0.27 | 0.35 | 0.53 |
| CEPS(Rs) | 1 | 0.62 | 1.39 | 1 | 0.87 | 0.76 | 0.63 | 0.73 | 0.28 | 0.36 | 0.64 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 13.79 | 14.36 | 15.71 | 16.62 | 16.92 | 17.6 | 18.28 | 19 | 19.27 | 19.62 | 20.15 |
| Net Profit Margin | 75.6 | 44.53 | 108.34 | 70.87 | 53.32 | 45.56 | 39.04 | 43.33 | 17.04 | 20.71 | 14.45 |
| Operating Margin | 90.18 | 62.23 | 177.16 | 50.69 | 62.47 | 58.93 | 52.32 | 53.01 | 25.76 | 31.34 | 25.01 |
| PBT Margin | 89.83 | 61.76 | 177.07 | 50.65 | 62.39 | 58.88 | 52.25 | 52.98 | 25.64 | 31.32 | 21 |
| ROA(%) | 6.49 | 3.84 | 8.39 | 5.28 | 4.56 | 3.89 | 3.19 | 3.63 | 1.35 | 1.72 | 2.23 |
| ROE(%) | 6.91 | 4.03 | 8.96 | 5.65 | 4.85 | 4.15 | 3.38 | 3.82 | 1.42 | 1.82 | 2.67 |
| ROCE(%) | 7.97 | 5.46 | 14.26 | 3.94 | 5.55 | 5.24 | 4.42 | 4.57 | 2.1 | 2.7 | 4.04 |
| Price/Earnings(x) | 5.77 | 20.29 | 5.39 | 3.5 | 8.63 | 11.56 | 12.44 | 14.03 | 35.48 | 89.4 | 64.11 |
| Price/Book(x) | 0.39 | 0.8 | 0.46 | 0.19 | 0.42 | 0.47 | 0.41 | 0.53 | 0.5 | 1.62 | 1.69 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 3.4 | 8.59 | 5.38 | 1.96 | 4.35 | 4.86 | 4.2 | 5.61 | 5.7 | 17.24 | 9.68 |
| EV/Core EBITDA(x) | 3.55 | 12.93 | 2.98 | 3.42 | 6.57 | 7.91 | 7.23 | 10.36 | 21.43 | 54.15 | 34.47 |
| Interest Earned Growth(%) | 36.66 | 3.82 | -2.3 | 3.6 | 18.52 | 2.97 | -1.27 | 5.8 | -3.03 | 7.51 | 114.36 |
| Net Profit Growth | 49.39 | -38.85 | 137.71 | -32.23 | -10.83 | -12.03 | -15.41 | 17.45 | -61.88 | 30.7 | 49.53 |
| EPS Growth(%) | 49.39 | -38.85 | 137.71 | -32.23 | -10.83 | -12.02 | -15.41 | 17.46 | -61.87 | 30.69 | 49.51 |
| Interest Coverage(x) % | 252.56 | 132.95 | 1878.79 | 1337.18 | 792.61 | 1359.73 | 787.8 | 1407.67 | 221.11 | 1301.5 | 6.24 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 52.42 | 0 | 59.78 | 59.78 | 59.78 | 60.59 | 60.59 | 60.59 | 60.59 | 60.59 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 47.58 | 100 | 40.22 | 40.22 | 40.22 | 39.41 | 39.41 | 39.41 | 39.41 | 39.41 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0.25 | 0 | 0.29 | 0.29 | 0.29 | 0.29 | 0.29 | 0.29 | 0.29 | 0.29 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 0.23 | 0.48 | 0.2 | 0.2 | 0.2 | 0.19 | 0.19 | 0.19 | 0.19 | 0.19 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 0.48 | 0.48 | 0.48 | 0.48 | 0.48 | 0.48 | 0.48 | 0.48 | 0.48 | 0.48 |
* The pros and cons are machine generated.
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