Key Financials Snapshot

TTM · Consolidated · ₹ in Cr
Market Cap
₹1002 Cr.
Stock P/E
20.9
P/B
0.8
Current Price
₹352.3
Book Value
₹ 460.7
Face Value
10
52W High
₹429.9
52W Low
₹ 301.1
Dividend Yield
0.28%

Crest Ventures Overview

Business

Crest Ventures Ltd. is an Non-Banking Financial Company (NBFC) based in India. As an NBFC, its primary business involves financial services such as lending, investing, and other related activities, but it does not hold a banking license. The company typically earns money through interest income from its lending activities, gains from its investment portfolio, and potentially fees from advisory or asset management services. While the specific focus of its lending (e.g., corporate, retail, real estate, SME) can vary, NBFCs in India play a crucial role in providing credit and financial solutions to segments that might be underserved by traditional banks.

Revenue Mix

Specific revenue segments and their contributions for Crest Ventures Ltd. are not publicly detailed here. However, typical segments for diversified NBFCs in India include:

Lending: Corporate loans, retail loans (personal, vehicle, consumer durables), real estate financing, SME loans, loans against shares/property.

Investments: Strategic investments in listed or unlisted entities, capital market operations.

Other Financial Services: Potentially advisory services, asset management, or wealth management.

The exact mix for Crest Ventures Ltd. would depend on its strategic focus and target customer base, which is not available without further financial disclosures.

Industry

The Indian NBFC industry is diverse and highly competitive, comprising a wide range of players from large, diversified entities to niche-focused lenders. It is regulated by the Reserve Bank of India (RBI). Crest Ventures Ltd. operates within this landscape, competing with other NBFCs, small finance banks, and to some extent, larger commercial banks. Without specific data on its asset size or market share, it is difficult to precisely position Crest Ventures Ltd. against its peers. It likely operates as a mid-to-small sized player within the vast Indian financial services sector, potentially focusing on specific geographic regions or niche segments to differentiate itself.

MOAT

Without specific details about Crest Ventures Ltd.'s operations, it is challenging to identify strong, durable competitive advantages. Potential moats for NBFCs can include:

Niche Expertise: Specialization in a particular asset class or customer segment where competition is lower or risk assessment is stronger.

Relationships & Distribution: Strong local presence, agent networks, or long-standing client relationships.

Technology & Efficiency: Effective use of technology to reduce operational costs or improve customer experience.

Cost of Funds: Ability to raise capital at competitive rates (often harder for smaller NBFCs than large ones or banks).

It is unlikely to possess the scale advantages or broad brand recognition of larger, more established financial institutions. Its advantage, if any, might stem from a focused approach, efficient credit underwriting in specific areas, or strong local market understanding.

Growth Drivers

Key factors that could drive growth for Crest Ventures Ltd. over the next 3-5 years include:

Economic Growth: A growing Indian economy typically leads to higher credit demand across various sectors.

Credit Penetration: Increased financial inclusion and penetration of formal credit in underserved segments (e.g., SMEs, rural areas).

Infrastructure & Real Estate Spending: Specific government initiatives or private investments in these sectors can boost demand for project financing and associated credit.

Digital Adoption: Leveraging technology for faster loan origination, better risk assessment, and improved customer service.

Diversification: Expansion into new product lines or geographic markets with strong growth potential.

Risks

Asset Quality Deterioration: Non-Performing Assets (NPAs) arising from economic downturns, sector-specific stress, or poor credit underwriting can significantly impact profitability.

Interest Rate Fluctuations: As a lending institution, rising cost of funds or inability to pass on increased rates to borrowers can compress net interest margins.

Regulatory Changes: Stricter capital adequacy norms, provisioning requirements, or changes in lending guidelines by the RBI can impact operations and profitability.

Competition: Intense competition from banks and other NBFCs can lead to margin pressure and difficulty in acquiring new customers.

Funding Challenges: Reliance on wholesale funding or difficulty in raising funds at competitive rates can be a constraint.

Concentration Risk: Over-exposure to a single sector, geography, or client group can amplify losses during adverse events.

Management & Ownership

Crest Ventures Ltd., like many Indian companies, is likely promoter-led, with the founding family or group holding a significant ownership stake. The specific quality of management (e.g., experience, strategic acumen, corporate governance track record) cannot be assessed without detailed public disclosures and historical performance analysis. Ownership typically includes the promoter group, institutional investors (domestic and foreign), and the public, with the promoter stake usually providing stability but also potentially concentration of control.

Outlook

Crest Ventures Ltd. operates in a dynamic Indian financial services market. The bull case for the company is predicated on sustained economic growth in India, leading to robust credit demand which the company can capitalize on through efficient underwriting and focused market penetration. Effective risk management and strategic diversification into high-growth segments could further bolster its performance. However, the bear case involves potential headwinds from a slowdown in economic activity leading to higher NPAs, increased regulatory scrutiny or unfavorable policy changes impacting profitability, and intense competition eroding margins. Access to cost-effective funding and the ability to navigate interest rate cycles will also be crucial for its sustained success.

Crest Ventures Share Price

Live · BSE / NSE · Inception: 1982
₹ | |
Volume
Price

Key Financials — Profit & Loss

₹ in Cr · Consolidated · annual

Crest Ventures Quarterly Results

#(Fig in Cr.) Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
Operating Revenue 40 77 35 44 48 63 30 35 32 30
Other Income 0 0 0 0 0 0 0 0 0 0
Total Income 40 77 35 44 48 63 30 35 32 30
Total Expenditure 18 10 10 20 27 21 18 15 15 15
Operating Profit 22 67 26 24 20 42 12 21 17 15
Interest Expense 6 6 5 5 5 4 5 5 5 5
Depreciation 1 1 1 1 1 1 1 2 2 1
Profit Before Tax 15 61 19 18 14 37 6 14 10 8
Provision for Tax 4 10 2 5 3 9 2 4 3 3
Profit After Tax 11 50 17 13 11 28 4 10 7 6
Adjustments -1 -1 0 1 -3 -2 -0 1 1 6
Profit After Adjustments 10 49 17 14 8 25 4 11 8 11
Adjusted Earnings Per Share 3.6 17.5 6.1 5.1 2.7 8.9 1.3 3.9 3 4

Crest Ventures Profit & Loss

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
Operating Revenue 36 48 96 52 67 55 57 651 184 204 159 127
Other Income 13 1 1 1 1 0 0 1 0 6 3 0
Total Income 49 49 96 53 68 55 57 652 184 210 162 127
Total Expenditure 29 33 30 32 40 50 60 71 75 73 72 63
Operating Profit 20 16 66 21 28 5 -3 581 109 137 90 65
Interest Expense 9 9 8 8 10 11 14 11 24 21 20 20
Depreciation 1 1 1 3 3 3 3 4 5 4 5 6
Profit Before Tax 10 6 57 10 15 7 15 573 83 111 65 38
Provision for Tax -1 1 6 4 5 4 3 177 20 21 17 12
Profit After Tax 11 5 50 6 10 3 12 396 62 90 48 27
Adjustments 26 33 44 41 35 0 0 0 -2 -2 -1 8
Profit After Adjustments 37 38 94 48 45 3 12 396 60 89 47 34
Adjusted Earnings Per Share 18.4 14.6 36.1 16.8 15.9 1 4.3 140.4 21.3 31.4 16.6 12.2

Crest Ventures Balance Sheet

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Shareholder's Funds 253 334 426 529 571 578 590 978 1105 1195 1307
Minority's Interest 8 9 10 1 0 0 0 0 30 25 26
Borrowings 58 57 62 62 57 59 58 149 69 57 171
Current Liability 33 16 17 12 12 11 14 52 162 127 257
Other Liabilities & Provisions 1 2 1 -6 33 57 187 0 4 16 162
Total Liabilities 354 417 516 598 673 705 849 1180 1370 1420 1923
Loans 0 0 0 0 0 0 0 0 559 564 391
Investments 188 222 312 369 398 441 483 230 248 260 320
Fixed Assets 1 41 41 41 41 2 11 13 14 15 23
Other Loans 30 76 100 107 121 118 170 287 27 4 4
Other Non Current Assets 0 0 0 0 0 0 0 0 10 201 277
Current Assets 135 78 63 81 113 107 148 596 458 323 856
Total Assets 354 417 516 598 673 705 849 1180 1370 1420 1923

Crest Ventures Cash Flow

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Opening Cash & Cash Equivalents 2 5 6 4 5 3 11 9 30 96 56
Cash Flow from Operating Activities -17 -8 -12 -43 -47 -2 -104 -680 -7 -14 46
Cash Flow from Investing Activities 13 -27 5 -5 15 -9 -22 782 48 28 -85
Cash Flow from Financing Activities 7 36 5 50 30 19 124 -82 26 -53 109
Net Cash Inflow / Outflow 3 0 -2 2 -2 8 -2 20 66 -39 70
Closing Cash & Cash Equivalent 5 6 4 5 3 11 9 30 96 56 129

Crest Ventures Ratios

# Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Earnings Per Share (Rs) 18.38 14.62 36.08 16.82 15.92 1.05 4.25 140.38 21.33 31.39 16.57
CEPS(Rs) 6.1 2.26 19.72 3.27 4.63 2.14 5.37 141.88 23.65 33.49 18.79
DPS(Rs) 0.5 0.5 0.5 0.5 0.5 0.5 0.5 1 1 1 1
Book NAV/Share(Rs) 125.1 128 163.49 185.94 200.82 203.15 207.53 346.99 391.75 423.63 461.59
Net Profit Margin 31.83 10.88 52.35 12.22 15.33 5.47 21.26 60.85 33.81 44.14 30.08
Operating Margin 52.02 32.24 67.48 35.3 37.6 32.89 52.02 89.84 57.78 64.55 53.45
PBT Margin 27.93 12.76 59.12 19.23 22.54 13.49 26.58 88.08 44.95 54.4 40.84
ROA(%) 3.42 1.34 10.73 1.15 1.61 0.43 1.56 39.01 4.87 6.47 2.86
ROE(%) 4.83 1.76 13.18 1.34 1.86 0.52 2.07 50.46 5.96 7.84 3.83
ROCE(%) 6.42 4.32 14.6 3.41 4.12 2.84 4.61 64.97 8.63 9.9 5.78
Price/Earnings(x) 1.89 12.17 5.05 7.72 2.98 80.19 42.44 1.14 17.49 11.83 19.14
Price/Book(x) 0.28 1.39 1.11 0.7 0.24 0.41 0.87 0.46 0.95 0.88 0.69
Dividend Yield(%) 1.24 0.28 0.27 0.39 1.05 0.6 0.28 0.62 0.27 0.27 0.32
EV/Net Sales(x) 3.35 10.6 5.48 8.14 2.81 5.23 9.85 0.9 6.31 5.56 6.46
EV/Core EBITDA(x) 6.12 31.44 7.96 19.93 6.68 59.2 -198.68 1.01 10.59 8.26 11.43
Interest Earned Growth(%) -79.43 33.39 101.01 -45.3 27.87 -18.47 4.39 1042.93 -71.78 11.26 -22.1
Net Profit Growth 323.13 -54.4 867.01 -87.23 60.36 -70.93 305.98 3171.69 -84.32 45.25 -46.91
EPS Growth(%) 66.54 -20.49 146.86 -53.38 -5.33 -93.42 305.99 3201.06 -84.81 47.17 -47.21
Interest Coverage(x) % 2.16 1.66 8.07 2.2 2.5 1.7 2.04 51.16 4.5 6.36 4.24

Growth Rates

Compounded annual
# 1 Year 3 Year 5 Year 10 Year
Sales CAGR -22% -37% +24% +16%
Operating Profit CAGR -34% -46% +78% +16%
PAT CAGR -47% -51% +74% +16%
Share Price CAGR -4% +16% +23% +19%
ROE Average +4% +6% +14% +9%
ROCE Average +6% +8% +19% +12%

Crest Ventures Shareholding Pattern

Latest · Jun 2026
100% held
Promoters 69.84 %
FII 1.71 %
DII (MF + Insurance) 0 %
Public (retail) 28.45 %
# Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
Promoter 69.1169.1169.1169.1169.4669.7569.7569.7569.7569.84
FII 3.31.251.421.431.51.631.631.631.711.71
DII 0000000000
Public 27.5929.6329.4729.4629.0428.6228.6228.6228.5428.45
Others 0000000000
Total 100100100100100100100100100100

Crest Ventures Peer Comparison

Finance - NBFC Edit Columns

Crest Ventures Quarterly Price

10-year quarterly close · BSE
Show Value Show %

News & Updates

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Crest Ventures Pros & Cons

Pros

  • Stock is trading at 0.8 times its book value
  • Company has delivered good profit growth of 74% CAGR over last 5 years
  • Company is almost debt free.

Cons

  • Company has a low return on equity of 6% over the last 3 years.
  • Debtor days have increased from -69.63 to -3.11days.
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