Jayabharat Credit

₹8.9 -0.2 | 2%

WEBSITE BSE:501311 NSE : JAYBH.CREDIT 18 May, 10:00

Market Cap ₹4 Cr.

Stock P/E -3.1

P/B -0.1

Current Price ₹8.9

Book Value ₹ -118.8

Face Value 10

52W High ₹15

Dividend Yield 0%

52W Low ₹ 3.5

Edit Ratio

Jayabharat Credit Research see more...

Overview Inc. Year: 1943Industry: Finance - NBFC

Jayabharat Credit Share Price

New

Volume

Price

Price: NSE50 DMA200 DMAVolume

Quarterly Price

Quarterly Monthly

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Peer Comparison

Jayabharat Credit Quarterly Results

#(Fig in Cr.)	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023
Net Sales	0	0	0	0	0	0	0	0	0	0
Other Income	0	0	0	1	0	0	0	0	0	0
Total Income	0	0	0	1	0	0	0	0	0	0
Total Expenditure	0	0	0	0	0	0	0	0	0	0
Operating Profit	-0	-0	-0	1	-0	-0	-0	-0	-0	-0
Interest	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0
Exceptional Income / Expenses	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	-0	-0	-0	1	-0	-0	-1	-0	-0	-0
Provision for Tax	0	0	0	0	0	1	0	0	0	0
Profit After Tax	-0	-0	-0	1	-0	-1	-1	-0	-0	-0
Adjustments	0	-0	0	0	0	0	-0	0	0	0
Profit After Adjustments	-0	-0	-0	1	-0	-1	-1	-0	-0	-0
Adjusted Earnings Per Share	-0.4	-0.4	-0.5	1.3	-0.9	-1.8	-1.6	-0.6	-0.4	-0.3

Jayabharat Credit Profit & Loss

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Net Sales	5	3	1	0	1	0	0	0	0	0	0	0
Other Income	0	0	1	0	0	0	0	0	0	0	1	0
Total Income	6	3	2	0	1	0	0	0	0	0	1	0
Total Expenditure	2	3	1	3	1	1	61	1	1	1	1	0
Operating Profit	3	0	0	-2	-1	-1	-61	-1	-1	-1	-0	0
Interest	4	3	3	1	1	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0
Exceptional Income / Expenses	0	0	1	0	0	0	0	0	0	0	0	0
Profit Before Tax	-0	-3	-2	-3	-2	-2	-61	-1	-1	-1	-1	-1
Provision for Tax	0	0	0	0	0	0	0	0	0	0	1	0
Profit After Tax	-0	-3	-2	-3	-2	-2	-61	-1	-1	-1	-1	-1
Adjustments	0	0	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	-0	-3	-2	-3	-2	-2	-61	-1	-1	-1	-1	-1
Adjusted Earnings Per Share	-0.4	-6.1	-4.5	-6.8	-3.6	-3.1	-121.3	-2.3	-1.6	-1.7	-3	-2.9

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	0%	0%	0%	-100%
Operating Profit CAGR	0%	0%	0%	-100%
PAT CAGR	0%	0%	0%	0%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	82%	21%	-1%	-0%
ROE Average	0%	0%	0%	-10%
ROCE Average	-4384%	-1553%	-1006%	-457%

Jayabharat Credit Balance Sheet

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	18	15	13	10	8	6	-54	-56	-56	-57	-59
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Borrowings	36	41	47	49	52	54	55	56	57	0	0
Other Non-Current Liabilities	1	1	1	1	0	-0	-0	-0	-0	-0	0
Total Current Liabilities	8	6	2	2	1	0	0	0	1	58	59
Total Liabilities	63	63	63	61	60	60	1	1	1	1	0
Fixed Assets	1	1	0	0	0	0	0	0	0	0	0
Other Non-Current Assets	52	47	48	46	46	46	1	1	1	1	0
Total Current Assets	11	15	15	15	14	14	0	0	0	0	0
Total Assets	63	63	63	61	60	60	1	1	1	1	0

Jayabharat Credit Cash Flow

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	0	1	0	0	0	0	0	0	0	0	0
Cash Flow from Operating Activities	-1	0	-1	-1	-0	-1	-1	-1	-1	-1	-1
Cash Flow from Investing Activities	1	0	1	0	0	0	-0	-0	-0	0	1
Cash Flow from Financing Activities	-0	-1	0	0	0	1	1	1	1	1	-0
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

Jayabharat Credit Ratios

#	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	-0.41	-6.12	-4.5	-6.79	-3.59	-3.14	-121.28	-2.3	-1.56	-1.74	-2.99
CEPS(Rs)	-0.25	-6.02	-4.41	-6.75	-3.56	-3.12	-121.26	-2.28	-1.54	-1.73	-2.98
DPS(Rs)	0	0	0	0	0	0	0	0	0	0	0
Book NAV/Share(Rs)	36.67	30.55	25.82	19.03	15.43	12.29	-108.99	-111.29	-112.84	-114.59	-117.58
Core EBITDA Margin(%)	56.16	9.42	-115.22	0	-84.12	0	0	0	0	0	0
EBIT Margin(%)	61.3	11.27	143.51	0	-86.82	0	0	0	0	0	0
Pre Tax Margin(%)	-3.73	-103.95	-348.44	0	-276.59	0	0	0	0	0	0
PAT Margin (%)	-3.73	-103.95	-348.44	0	-276.59	0	0	0	0	0	0
Cash Profit Margin (%)	-2.29	-102.33	-341.22	0	-273.62	0	0	0	0	0	0
ROA(%)	-0.32	-4.84	-3.57	-5.45	-2.95	-2.6	-197.39	-109.84	-75.18	-85.88	-283.14
ROE(%)	-1.11	-18.2	-15.96	-30.27	-20.86	-22.67	0	0	0	0	0
ROCE(%)	5.85	0.56	1.55	-3.51	-0.96	-1.87	-199.98	-168.3	-134.86	-141.4	-4383.94
Receivable days	572.78	1547.44	8414.49	0	8061.52	0	0	0	0	0	0
Inventory Days	0	0	0	0	0	0	0	0	0	0	0
Payable days	0	0	0	0	0	0	0	0	0	0	0
PER(x)	0	0	0	0	0	0	0	0	0	0	0
Price/Book(x)	0.3	0.24	0.22	0.28	0	0	0	-0.02	-0.05	-0.06	-0.09
Dividend Yield(%)	0	0	0	0	0	0	0	0	0	0	0
EV/Net Sales(x)	8.36	16.12	77.75	0	86.91	0	0	0	0	0	0
EV/Core EBITDA(x)	13.33	124.96	207.85	-21.75	-103.64	-53.3	-0.99	-50.02	-77.76	-70.95	-213.7
Net Sales Growth(%)	-11.7	-46.37	-78.06	-100	0	-100	0	0	0	0	0
EBIT Growth(%)	-17.15	-90.14	179.32	-325.54	73	-97.57	-5340.26	98.1	32.38	-12.08	65.56
PAT Growth(%)	-100.83	-1395.5	26.45	-50.86	47.04	12.57	-3759.05	98.1	32.38	-12.08	-71.54
EPS Growth(%)	-100.79	-1395.57	26.45	-50.86	47.04	12.57	-3759.03	98.1	32.38	-12.08	-71.54
Debt/Equity(x)	2.23	2.87	3.67	5.17	6.68	8.75	-1.01	-1.01	-1.01	-1.01	-0.99
Current Ratio(x)	1.36	2.67	6.84	7.35	17.15	28.08	0.21	0.17	0.12	0	0
Quick Ratio(x)	1.36	2.67	6.84	7.35	17.15	28.08	0.21	0.17	0.12	0	0
Interest Cover(x)	0.94	0.1	0.29	-1.6	-0.46	-2.44	0	0	0	0	-0.99
Total Debt/Mcap(x)	7.52	11.93	16.68	18.16	0	0	0	65.45	19.3	17.19	11.1

Jayabharat Credit Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	15.22
FII	0	0	0	0	0	0	0	0	0	0
DII	0.09	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02
Public	99.82	99.89	99.89	99.89	99.89	99.89	99.89	99.89	99.89	84.76
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	0	0	0	0	0	0	0	0	0.08
FII	0	0	0	0	0	0	0	0	0	0
DII	0	0	0	0	0	0	0	0	0	0
Public	0.5	0.5	0.5	0.5	0.5	0.5	0.5	0.5	0.5	0.42
Others	0	0	0	0	0	0	0	0	0	0
Total	0.5	0.5	0.5	0.5	0.5	0.5	0.5	0.5	0.5	0.5

Pros

Stock is trading at -0.1 times its book value
Company is almost debt free.

Cons

Promoter holding is low: 15.22%.
Company has a low return on equity of 0% over the last 3 years.
Earnings include an other income of Rs. 1 Cr.

* 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.