Comfort Fincap

₹9.1 0.1 | 1%

WEBSITE BSE:535267 NSE : COM FINCAP 18 May, 12:50

Market Cap ₹49 Cr.

Stock P/E 9.5

P/B 0.9

Current Price ₹9.1

Book Value ₹ 10.1

Face Value 2

52W High ₹12

Dividend Yield 0%

52W Low ₹ 6.5

Edit Ratio

Comfort Fincap Research see more...

Overview Inc. Year: 1982Industry: Finance - NBFC

Comfort Fincap Share Price

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Volume

Price

Price: NSE50 DMA200 DMAVolume

Quarterly Price

Quarterly Monthly

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Peer Comparison

Comfort Fincap Quarterly Results

#(Fig in Cr.)	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Operating Revenue	3	3	4	4	4	3	3	4	3	4
Other Income	0	0	0	0	0	0	0	0	0	0
Total Income	3	3	4	4	4	3	3	4	3	4
Total Expenditure	1	1	1	1	1	1	1	1	1	2
Operating Profit	3	2	3	3	3	2	3	3	2	2
Interest Expense	1	1	2	2	1	1	1	1	1	1
Depreciation	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	2	1	2	2	2	1	2	2	2	1
Provision for Tax	0	0	0	0	0	0	1	1	0	1
Profit After Tax	1	1	1	1	1	1	2	2	1	1
Adjustments	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	1	1	1	1	1	1	2	2	1	1
Adjusted Earnings Per Share	0.2	0.1	0.2	0.3	0.2	0.2	0.3	0.3	0.2	0.1

Comfort Fincap Profit & Loss

#(Fig in Cr.)	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Operating Revenue	5	7	7	8	11	12	15	14
Other Income	0	0	0	0	0	0	0	0
Total Income	5	7	7	8	11	13	15	14
Total Expenditure	2	2	2	4	3	3	3	5
Operating Profit	4	5	5	4	8	10	12	10
Interest Expense	1	2	1	2	3	3	5	4
Depreciation	0	0	0	0	0	0	0	0
Profit Before Tax	3	3	4	2	6	6	7	7
Provision for Tax	1	1	1	1	1	2	2	3
Profit After Tax	2	2	3	1	4	4	5	6
Adjustments	0	0	0	0	0	-0	-0	0
Profit After Adjustments	2	2	3	1	4	4	5	6
Adjusted Earnings Per Share	0.4	0.4	0.5	0.2	0.8	0.8	0.9	0.9

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	25%	23%	16%	0%
Operating Profit CAGR	20%	44%	19%	0%
PAT CAGR	25%	71%	20%	0%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	24%	69%	33%	-11%
ROE Average	10%	10%	9%	8%
ROCE Average	13%	13%	11%	11%

Comfort Fincap Balance Sheet

#(Fig in Cr.)	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	28	30	35	37	41	45	50
Minority's Interest	0	0	0	0	0	0	0
Borrowings	0	0	0	0	0	0	0
Current Liability	15	16	21	20	33	52	29
Other Liabilities & Provisions	0	0	1	0	0	0	0
Total Liabilities	43	46	58	57	74	98	79
Loans	0	0	0	0	0	0	0
Investments	3	3	9	6	3	4	4
Fixed Assets	0	0	0	0	0	0	0
Other Loans	0	0	0	0	0	0	0
Other Non Current Assets	0	0	0	0	0	0	0
Current Assets	40	43	48	51	70	93	74
Total Assets	43	46	58	57	74	98	79

Comfort Fincap Cash Flow

#(Fig in Cr.)	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	3	2	2	1	0	0	2
Cash Flow from Operating Activities	-11	1	-5	1	-13	-15	27
Cash Flow from Investing Activities	1	0	-0	1	4	0	-0
Cash Flow from Financing Activities	11	-1	3	-3	9	17	-28
Net Cash Inflow / Outflow	-0	0	-1	-1	-0	2	-1
Closing Cash & Cash Equivalent	2	2	1	0	0	2	1

Comfort Fincap Ratios

#	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	0.36	0.45	0.51	0.23	0.77	0.82	0.9
CEPS(Rs)	0.36	0.45	0.51	0.23	0.77	0.82	0.9
DPS(Rs)	0.04	0.05	0	0	0	0	0
Book NAV/Share(Rs)	5.08	5.53	6.54	6.74	7.52	8.33	9.23
Net Profit Margin	36.02	33.13	37.65	16.08	37.56	35.6	33.29
Operating Margin	66.28	74.71	71.07	46.45	74.26	77.32	79.05
PBT Margin	52.31	46.16	52.72	24.51	50.15	49.87	44.85
ROA(%)	4.56	5.48	5.37	2.16	6.39	5.17	5.53
ROE(%)	7.06	8.45	8.5	3.44	10.81	10.29	10.25
ROCE(%)	8.61	12.64	10.45	6.45	13.01	11.46	13.33
Price/Earnings(x)	8.09	7.14	5.66	3.81	2.94	5.51	9.36
Price/Book(x)	0.57	0.58	0.44	0.13	0.3	0.54	0.91
Dividend Yield(%)	1.38	1.56	0	0	0	0	0
EV/Net Sales(x)	5.07	4.09	4.69	3.04	3.84	5.89	4.93
EV/Core EBITDA(x)	7.64	5.48	6.59	6.53	5.16	7.61	6.24
Interest Earned Growth(%)	0	35.89	0.71	4.28	44.43	11.7	17.99
Net Profit Growth	0	24.98	14.43	-55.47	237.49	5.85	10.35
EPS Growth(%)	0	24.98	14.43	-55.47	237.5	5.84	10.35
Interest Coverage(x) %	4.75	2.62	3.87	2.12	3.08	2.82	2.31

Comfort Fincap Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	54.63	54.63	54.63	54.63	54.63	55.09	55.34	55.61	55.61	56.19
FII	1.57	1.57	1.57	1.57	1.57	1.57	1.57	1.01	1.01	0
DII	0	0	0	0	0	0	0	0	0	0
Public	43.81	43.81	43.81	43.81	43.81	43.35	43.1	43.38	43.38	43.81
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	0.59	0.59	0.59	0.59	0.59	0.6	3	3.02	3.02	3.05
FII	0.02	0.02	0.02	0.02	0.02	0.02	0.09	0.05	0.05	0
DII	0	0	0	0	0	0	0	0	0	0
Public	0.48	0.48	0.48	0.48	0.48	0.47	2.34	2.35	2.35	2.38
Others	0	0	0	0	0	0	0	0	0	0
Total	1.09	1.09	1.09	1.09	1.09	1.09	5.43	5.43	5.43	5.43

Pros

Stock is trading at 0.9 times its book value

Cons

Company has a low return on equity of 10% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.