WEBSITE BSE:530789 NSE: CEEJAY FINAN Inc. Year: 1993 Industry: Finance - NBFC My Bucket: Add Stock
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Ceejay Finance Ltd., established in 1993, is a leading non-banking financial company (NBFC) in India. Originally incorporated as Heritage Packaging Limited, the company was formed by the Ceejay Group and is headquartered in Nadiad, Gujarat. Ceejay Finance has carved a niche in the financial services sector by providing a wide array of services, including loans for two-wheelers, three-wheelers and four-wheelers. Mr. Kiran Patel, the Non-executive Chairman and Promoter, has over 35 years of experience in manufacturing, marketing, accounting, fina...Read More
Ceejay Finance Ltd., established in 1993, is a leading non-banking financial company (NBFC) in India. Originally incorporated as Heritage Packaging Limited, the company was formed by the Ceejay Group and is headquartered in Nadiad, Gujarat. Ceejay Finance has carved a niche in the financial services sector by providing a wide array of services, including loans for two-wheelers, three-wheelers and four-wheelers. Mr. Kiran Patel, the Non-executive Chairman and Promoter, has over 35 years of experience in manufacturing, marketing, accounting, finance, and taxation functions of the entire group. The day-to-day operations are led by Mr. Deepak Patel, Whole-time Director and Promoter, who holds an MBA from the University of Florida (Miami) and has 29 years of experience in finance, investments, power generation, and real estate. They are supported by Mr. Devang Shah, a Chartered Accountant with extensive experience working with the Ceejay Group. ...Read Less
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Market Cap ₹60 Cr.
Stock P/E 8.8
P/B 0.7
Current Price ₹173.9
Book Value ₹ 235.9
Face Value 10
52W High ₹214.8
Dividend Yield 0.69%
52W Low ₹ 153.8
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 | 5 | 5 | 6 | 5 | 6 | 7 | 7 | 6 | 7 | 7 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 5 | 5 | 6 | 5 | 6 | 7 | 8 | 6 | 7 | 7 |
| Total Expenditure | 2 | 2 | 3 | 2 | 2 | 4 | 4 | 3 | 3 | 3 |
| Operating Profit | 3 | 3 | 3 | 3 | 4 | 3 | 3 | 3 | 4 | 3 |
| Interest Expense | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 2 | 2 | 2 | 2 | 3 | 2 | 2 | 2 | 3 | 2 |
| Provision for Tax | 1 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Profit After Tax | 2 | 1 | 2 | 2 | 2 | 1 | 2 | 2 | 2 | 2 |
| Adjustments | 0 | 0 | -0 | -0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 2 | 1 | 2 | 2 | 2 | 1 | 2 | 2 | 2 | 2 |
| Adjusted Earnings Per Share | 4.4 | 3.9 | 5.4 | 5.2 | 6.6 | 3.3 | 4.6 | 5.1 | 6.3 | 4.9 |
| #(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 | 12 | 12 | 14 | 16 | 15 | 17 | 16 | 18 | 20 | 21 | 26 | 27 |
| Other Income | 0 | 0 | 0 | 0 | 1 | 0 | 1 | 0 | 1 | 1 | 0 | 0 |
| Total Income | 12 | 12 | 14 | 16 | 16 | 17 | 17 | 18 | 21 | 21 | 27 | 28 |
| Total Expenditure | 4 | 4 | 5 | 6 | 6 | 8 | 8 | 8 | 9 | 9 | 13 | 13 |
| Operating Profit | 8 | 8 | 10 | 11 | 9 | 9 | 8 | 10 | 12 | 13 | 14 | 13 |
| Interest Expense | 2 | 2 | 2 | 3 | 2 | 2 | 2 | 2 | 3 | 3 | 4 | 4 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 6 | 6 | 7 | 8 | 7 | 6 | 6 | 7 | 9 | 9 | 9 | 9 |
| Provision for Tax | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 4 |
| Profit After Tax | 4 | 4 | 5 | 6 | 5 | 5 | 4 | 5 | 7 | 7 | 7 | 8 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 4 | 4 | 5 | 6 | 5 | 5 | 4 | 5 | 7 | 7 | 7 | 8 |
| Adjusted Earnings Per Share | 10.8 | 10.9 | 13.5 | 16.1 | 14 | 14 | 13 | 14.4 | 19.8 | 19 | 19.7 | 20.9 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 24% | 13% | 9% | 8% |
| Operating Profit CAGR | 8% | 12% | 9% | 6% |
| PAT CAGR | 0% | 12% | 7% | 6% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -3% | 8% | 17% | 13% |
| ROE Average | 9% | 10% | 10% | 12% |
| ROCE Average | 12% | 13% | 12% | 14% |
| #(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 | 27 | 30 | 34 | 39 | 44 | 48 | 52 | 57 | 63 | 70 | 76 |
| 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 | 0 |
| Current Liability | 23 | 21 | 29 | 31 | 29 | 32 | 20 | 26 | 31 | 36 | 50 |
| Other Liabilities & Provisions | 0 | 0 | 0 | 0 | -1 | -1 | -1 | -1 | -1 | -1 | -1 |
| Total Liabilities | 50 | 50 | 63 | 70 | 72 | 79 | 71 | 82 | 94 | 105 | 125 |
| Loans | 10 | 13 | 19 | 20 | 66 | 74 | 66 | 77 | 88 | 94 | 114 |
| Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Fixed Assets | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 7 | 7 |
| Other Loans | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Assets | 38 | 36 | 42 | 49 | 4 | 3 | 4 | 4 | 4 | 4 | 4 |
| Total Assets | 50 | 50 | 63 | 70 | 72 | 79 | 71 | 82 | 94 | 105 | 125 |
| #(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 | 1 | 1 | 1 | 1 | 4 | 2 | 1 | 2 | 2 | 1 | 1 |
| Cash Flow from Operating Activities | -1 | 4 | -8 | 2 | 4 | -1 | 14 | -5 | -4 | 0 | -13 |
| Cash Flow from Investing Activities | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -5 | -0 |
| Cash Flow from Financing Activities | 2 | -4 | 8 | 1 | -5 | -0 | -14 | 5 | 4 | 4 | 13 |
| Net Cash Inflow / Outflow | 0 | -0 | 0 | 3 | -1 | -1 | 0 | 0 | -1 | -0 | -0 |
| Closing Cash & Cash Equivalent | 1 | 1 | 1 | 4 | 2 | 1 | 2 | 2 | 1 | 1 | 1 |
| # | 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) | 10.8 | 10.88 | 13.55 | 16.12 | 13.99 | 13.97 | 12.96 | 14.41 | 19.84 | 19.05 | 19.71 |
| CEPS(Rs) | 11.23 | 11.3 | 14.01 | 16.54 | 14.4 | 14.37 | 13.4 | 14.94 | 20.41 | 19.91 | 20.9 |
| DPS(Rs) | 1.4 | 1.5 | 1.5 | 2.5 | 1.5 | 1 | 1 | 1 | 1.2 | 1.2 | 1.2 |
| Book NAV/Share(Rs) | 77.31 | 86.33 | 99.88 | 114.2 | 126.34 | 138.67 | 151.02 | 164.62 | 183.51 | 201.51 | 219.81 |
| Net Profit Margin | 32.19 | 30.57 | 32.76 | 33.93 | 32.63 | 27.86 | 27.95 | 27.86 | 34.53 | 31.73 | 25.86 |
| Operating Margin | 67.08 | 62.87 | 65.93 | 65.3 | 60.43 | 50.78 | 51.63 | 52.41 | 61.41 | 59.35 | 50.24 |
| PBT Margin | 47.61 | 45.92 | 48.99 | 47.46 | 45.06 | 36.85 | 37.73 | 38.91 | 44.61 | 42.89 | 35.39 |
| ROA(%) | 7.9 | 7.49 | 8.23 | 8.33 | 6.78 | 6.4 | 5.97 | 6.48 | 7.77 | 6.61 | 5.91 |
| ROE(%) | 14.84 | 13.29 | 14.55 | 15.06 | 11.63 | 10.54 | 8.95 | 9.13 | 11.4 | 9.9 | 9.36 |
| ROCE(%) | 17.23 | 16.19 | 17.29 | 16.58 | 12.9 | 11.86 | 11.15 | 12.36 | 14.11 | 12.65 | 11.73 |
| Price/Earnings(x) | 4.87 | 3.51 | 4.59 | 10.45 | 7.11 | 3.51 | 5.95 | 7.56 | 5.06 | 9.78 | 8.62 |
| Price/Book(x) | 0.68 | 0.44 | 0.62 | 1.48 | 0.79 | 0.35 | 0.51 | 0.66 | 0.55 | 0.92 | 0.77 |
| Dividend Yield(%) | 2.66 | 3.93 | 2.41 | 1.48 | 1.51 | 2.04 | 1.3 | 0.92 | 1.2 | 0.64 | 0.71 |
| EV/Net Sales(x) | 3.26 | 2.43 | 3.28 | 5.04 | 3.95 | 2.6 | 2.68 | 3.33 | 3.08 | 4.63 | 3.96 |
| EV/Core EBITDA(x) | 4.77 | 3.79 | 4.9 | 7.62 | 6.43 | 5.03 | 5.1 | 6.22 | 4.94 | 7.61 | 7.65 |
| Interest Earned Growth(%) | 4.2 | 6.03 | 16.23 | 14.86 | -9.76 | 17.02 | -7.57 | 11.58 | 11.08 | 4.48 | 26.94 |
| Net Profit Growth | 0.03 | 0.68 | 24.6 | 18.96 | -13.24 | -0.1 | -7.27 | 11.24 | 37.66 | -3.98 | 3.45 |
| EPS Growth(%) | 0.03 | 0.68 | 24.6 | 18.96 | -13.24 | -0.1 | -7.27 | 11.24 | 37.66 | -3.98 | 3.45 |
| Interest Coverage(x) % | 3.45 | 3.71 | 3.89 | 3.66 | 3.93 | 3.65 | 3.72 | 3.88 | 3.66 | 3.61 | 3.38 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 59.03 | 59.03 | 59.03 | 59.03 | 59.03 | 59.03 | 59.03 | 59.03 | 59.03 | 59.03 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 40.97 | 40.97 | 40.97 | 40.97 | 40.97 | 40.97 | 40.97 | 40.97 | 40.97 | 40.97 |
| 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 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 0.14 | 0.14 | 0.14 | 0.14 | 0.14 | 0.14 | 0.14 | 0.14 | 0.14 | 0.14 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 0.35 | 0.35 | 0.35 | 0.35 | 0.35 | 0.35 | 0.35 | 0.35 | 0.35 | 0.35 |
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