Oracle Credit

₹137.6 5.6 | 4.2%

WEBSITE BSE:539598 NSE : CGFL 18 May, 12:50

Market Cap ₹142 Cr.

Stock P/E 21.7

P/B 2

Current Price ₹137.6

Book Value ₹ 68.4

Face Value 10

52W High ₹171.8

Dividend Yield 0.36%

52W Low ₹ 111.8

Edit Ratio

Oracle Credit Research see more...

Overview Inc. Year: 1991Industry: Finance - NBFC

Oracle Credit Ltd operates as a NBFC in India. It offers various economic offerings, inclusive of lending of money; dealing in securities/stocks, government securities, bonds, unit's funding in stock markets, mortgage syndication and challenge and portfolio consultancy, and consultancy services. Oracle Credit Ltd was founded in 1991 and is based in New Delhi, India.

Oracle Credit Share Price

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Volume

Price

Price: NSE50 DMA200 DMAVolume

Quarterly Price

Quarterly Monthly

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Peer Comparison

Oracle Credit Quarterly Results

#(Fig in Cr.)	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023
Operating Revenue	1	1	1	2	16	3	2	3
Other Income	0	0	0	0	0	0	0	0
Total Income	1	1	1	2	16	3	2	3
Total Expenditure	0	0	1	1	6	1	2	2
Operating Profit	1	1	1	1	10	1	-0	1
Interest Expense	0	0	0	0	1	1	1	1
Depreciation	0	0	0	0	1	0	0	0
Profit Before Tax	1	1	1	1	8	0	-1	-0
Provision for Tax	0	0	0	0	3	0	0	0
Profit After Tax	1	0	0	1	5	0	-1	-0
Adjustments	-0	0	0	-0	-0	0	-0	-0
Profit After Adjustments	1	0	1	1	5	0	-1	-0
Adjusted Earnings Per Share	1.4	0.6	0.8	1	7.2	0.5	-1.1	-0.3

Oracle Credit Profit & Loss

#(Fig in Cr.)	Mar 2022	Mar 2023	TTM
Operating Revenue	2	19	24
Other Income	0	0	0
Total Income	2	20	24
Total Expenditure	0	7	11
Operating Profit	1	13	12
Interest Expense	0	2	4
Depreciation	0	1	1
Profit Before Tax	1	10	7
Provision for Tax	0	3	3
Profit After Tax	1	7	4
Adjustments	-0	0	0
Profit After Adjustments	1	7	4
Adjusted Earnings Per Share	1.8	9.4	6.3

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	850%	0%	0%	0%
Operating Profit CAGR	1200%	0%	0%	0%
PAT CAGR	600%	0%	0%	0%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	22%	150%	62%	NA%
ROE Average	43%	29%	29%	29%
ROCE Average	34%	27%	27%	27%

Oracle Credit Balance Sheet

#(Fig in Cr.)	Mar 2022	Mar 2023
Shareholder's Funds	7	24
Minority's Interest	0	0
Borrowings	0	0
Current Liability	1	46
Other Liabilities & Provisions	0	5
Total Liabilities	8	76
Loans	0	0
Investments	0	28
Fixed Assets	0	12
Other Loans	0	0
Other Non Current Assets	0	0
Current Assets	8	36
Total Assets	8	76

Oracle Credit Cash Flow

#(Fig in Cr.)	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	0	0
Cash Flow from Operating Activities	-6	-24
Cash Flow from Investing Activities	0	-17
Cash Flow from Financing Activities	6	44
Net Cash Inflow / Outflow	0	3
Closing Cash & Cash Equivalent	0	3

Oracle Credit Ratios

#	Mar 2022	Mar 2023
Earnings Per Share (Rs)	1.82	9.42
CEPS(Rs)	1.88	10.26
DPS(Rs)	0	0.5
Book NAV/Share(Rs)	12.65	34.21
Net Profit Margin	63.04	34.6
Operating Margin	87.08	61.53
PBT Margin	86.94	51.82
ROA(%)	13.55	16.09
ROE(%)	14.83	42.5
ROCE(%)	20.09	34.12
Price/Earnings(x)	24.15	7.11
Price/Book(x)	3.47	1.96
Dividend Yield(%)	0	0.72
EV/Net Sales(x)	14.83	4.27
EV/Core EBITDA(x)	17.03	6.47
Interest Earned Growth(%)	0	1044.01
Net Profit Growth	0	527.94
EPS Growth(%)	0	418.24
Interest Coverage(x) %	617.46	6.33

Oracle Credit Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	62.42	57.65	46.12	46.12	46.12	46.12	46.12	31.09	31.09	31.09
FII	0	0	0	0	0	0	0	0	0	0.29
DII	0	0	0	0	0	0	0	0	0	0
Public	37.58	42.35	53.88	53.88	53.88	53.88	53.88	68.91	68.91	68.62
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	0.35	0.32	0.32	0.32	0.32	0.32	0.32	0.32	0.32	0.32
FII	0	0	0	0	0	0	0	0	0	0
DII	0	0	0	0	0	0	0	0	0	0
Public	0.21	0.24	0.37	0.37	0.37	0.37	0.37	0.71	0.71	0.71
Others	0	0	0	0	0	0	0	0	0	0
Total	0.56	0.56	0.69	0.69	0.69	0.69	0.69	1.03	1.03	1.03

Pros

Company has a good return on equity (ROE) track record: 3 Years ROE 29%

Cons

Promoter holding is low: 31.09%.
Debtor days have increased from 0 to 6273.94days.

* 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.