Durability score
45 /100
Valuation score
13.5 /100
Momentum score
49.7 /100
Market Capitalizati...
9,877.7 Cr.
AVG Broker Target
650
PE TTM Price to Ear...
34.0

Peer Group

StockCurrent Price RsPE TTM Price to EarningsMarket Capitalization in CrDividend yield 1yr %Net Profit Qtr CrNet Profit Annual Growth YoY %Revenue Qtr CrRevenue Growth Qtr YoYPrice to Book Value
Motilal Oswal Financ.. 677.9534.029877.731.25148.25-48.37656.59-12.704.27
Bajaj Finance Ltd.
Market Leader
3546.0552.58204553.890.111113.5946.994886.5438.2412.35
Power Finance Corpor..
Market Runner Up
131.405.0134690.650.002117.560.007701.1224.970.87
REC Ltd. 156.505.3630907.508.151256.130.006671.8118.460.87
Shriram Transport Fi.. 1118.509.9025379.881.61746.044.203871.3319.171.60
Muthoot Finance Ltd. 615.6012.5124664.691.95511.5014.641879.7221.203.17
Mahindra & Mahindra .. 390.0015.4724092.841.03587.9774.582455.1919.182.59
Cholamandalam Invest.. 274.0018.0721429.540.47291.8621.771885.0824.734.16
All values except ratios in INR(Crores)
IndicatorMar-2019Dec-2018Sep-2018Jun-2018Mar-2018Dec-2017Sep-2017Jun-2017Mar-2017Graph
Revenue Qtr Cr 383.4 330.9 311.5 278.2 26.9 77.8 92.8 22.4 17.6
Operating Expenses Qtr Cr 189.5 212.9 243.4 173.8 6.4 5.7 5.1 5.0 5.0
Operating Profit Qtr Cr 193.9 117.9 68.1 104.4 20.5 72.1 87.7 17.4 12.6
Operating Profit Margin Qtr % 50.58% 35.64% 21.85% 37.53% 76.18% 92.72% 94.49% 77.74% 71.72%
Other Income Qtr Cr 8.4 7.8 5.6 9.7 0.1 0.2 2.9 0.2 0.4
Depreciation Qtr Cr 4.4 4.3 4.5 4.7 1.7 1.7 1.6 1.6 1.7
Interest Qtr Cr 23.1 26.2 27.3 27.6 6.7 7.4 9.2 8.9 7.8
Profit Before Tax Qtr Cr 174.8 95.1 41.8 81.8 12.3 63.3 79.8 7.0 6.0
Tax Qtr Cr 19.6 12.6 18.6 19.1 0.9 12.4 17.4 2.1 0.1
Net Profit Qtr Cr 155.3 82.6 22.7 61.8 11.4 50.9 62.5 4.9 5.8
Basic EPS Qtr Rs 10.1 6.6 -0.1 5.0 0.8 3.5 4.3 0.3 0.4
Net profit TTM Cr 322.3 178.5 146.8 186.5 129.7 124.1 78.9 73.4 86.3
Basic EPS TTM Rs 22.1 12.3 10.1 12.9 8.9 8.6 5.5 5.1 6.0
Quarterly Revenue Qtr Cr Analysis
Revenue Qtr Cr growth is lower than historical averages.
Quarterly Net Profit Qtr Cr Analysis
Net Profit Qtr Cr growth is stable compared to historical averages.
IndicatorMar-2019Dec-2018Sep-2018Jun-2018Mar-2018Dec-2017Sep-2017Jun-2017Mar-2017Graph
Revenue Qtr Cr 656.6 647.6 682.1 646.5 752.1 728.6 704.5 561.4 516.9
Operating Expenses Qtr Cr 328.1 500.4 520.9 367.0 444.9 378.3 343.0 302.3 281.1
Operating Profit Qtr Cr 328.5 147.2 161.2 279.5 307.2 350.3 361.4 259.1 235.8
Operating Profit Margin Qtr % 50.03% 22.74% 23.63% 43.23% 40.84% 48.08% 51.31% 46.15% 45.62%
Other Income Qtr Cr 4.5 1.0 1.9 1.3 1.9 3.8 6.5 9.4 17.6
Depreciation Qtr Cr 6.0 6.0 6.0 6.0 11.4 9.7 8.7 7.7 9.1
Interest Qtr Cr 131.0 125.2 130.1 130.5 103.8 132.9 131.3 127.5 116.5
Profit Before Tax Qtr Cr 196.0 17.1 27.0 144.3 193.9 211.4 228.0 133.2 135.1
Tax Qtr Cr 47.7 -18.3 23.9 40.7 46.3 65.1 79.1 34.1 45.3
Net Profit Qtr Cr 148.3 35.4 3.1 103.6 147.6 146.3 148.9 99.1 89.8
Basic EPS Qtr Rs 9.7 3.7 -1.3 8.0 10.2 10.2 9.9 7.0 6.3
Net profit TTM Cr 290.3 289.7 400.6 546.4 542.0 484.2 426.9 384.2 364.5
Basic EPS TTM Rs 19.9 19.9 27.5 37.7 37.4 33.5 29.5 26.6 25.2
Quarterly Revenue Qtr Cr Analysis
Revenue Qtr Cr growth is stable compared to historical averages.
Quarterly Net Profit Qtr Cr Analysis
Net Profit Qtr Cr growth is higher than historical averages.
All values except ratios in INR(Crores)
IndicatorTTMMar-2019Mar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Mar-2012Mar-2011Graph
Total Revenue Annual Cr 1,304.0 1,248.7 1,272.7 132.7 110.9 129.2 97.7 94.9 81.9 64.3
Operating Expenses Annual Cr 819.6 732.9 735.5 5.4 19.8 26.1 24.2 11.3 13.9 6.7
Operating Profit Annual in Cr 484.4 484.4 533.5 126.3 90.0 102.6 45.5 58.7 32.5 42.9
Operating Profit Margin Annual % 38.79% 41.92% 95.23% 81.23% 79.39% 46.56% 61.85% 39.69% 66.75%
Total Expenses Annual Cr 855.2 857.8 17.2 57.4 63.9 51.5 33.1 15.7 7.8
EBIDT Annual Cr 514.5 515.8 537.2 127.2 91.0 103.1 73.5 83.6 68.0 57.7
EBIDT margin Annual % 41.31% 42.21% 95.91% 82.1% 79.77% 75.23% 88.08% 83.03% 89.66%
Other Income Annual Cr 31.4 31.4 3.7 0.9 1.0 0.5 28.0 24.9 35.5 14.7
Depreciation Cr 18.0 18.0 29.4 6.9 8.0 8.2 8.3 8.4 0.9 0.0
PAT Before ExtraOrdinary Items Annual Cr 323.6 329.2 87.5 46.7 60.5 39.3 38.7 56.3 42.7
Net Profit Annual Cr 322.3 322.3 323.4 86.3 46.7 60.5 39.3 38.7 56.3 42.7
Basic EPS Annual Rs 21.8 22.4 6.0 3.3 4.4 2.8 2.7 3.9 3.0
Annual Total Revenue Annual Cr Analysis
Total Revenue Annual Cr growth is lower than historical averages.
Average Total Revenue Annual Cr
1 Year:
1,248.69 Cr
3 Years:
884.69 Cr
5 Years:
578.83 Cr
7 Years:
440.97 Cr
Annual Net Profit Annual Cr Analysis
Net Profit Annual Cr growth is lower than historical averages.
Average Net Profit Annual Cr
1 Year:
322.31 Cr
3 Years:
244.0 Cr
5 Years:
167.85 Cr
7 Years:
131.04 Cr
Annual ROE Annual % Analysis
ROE Annual % is growing faster than historical averages.
Average ROE Annual %
1 Year:
17.99 %
3 Years:
16.29 %
5 Years:
13.45 %
7 Years:
11.65 %
IndicatorTTMMar-2019Mar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Mar-2012Mar-2011Graph
Total Revenue Annual Cr 2,632.7 2,468.2 2,769.7 1,923.6 1,079.6 775.4 468.3 472.9 465.5 600.8
Operating Expenses Annual Cr 1,716.3 1,543.0 1,470.0 915.0 646.4 515.9 326.1 298.5 309.3 371.3
Operating Profit Annual in Cr 916.4 919.6 1,277.9 925.9 408.5 256.0 130.8 166.2 152.0 218.8
Operating Profit Margin Annual % 37.26% 46.14% 48.13% 37.84% 33.01% 27.92% 35.14% 32.65% 36.42%
Total Expenses Annual Cr 2,083.8 2,003.1 1,390.1 855.1 577.5 353.2 329.1 325.9 390.1
EBIDT Annual Cr 925.1 925.2 1,299.7 1,008.6 433.2 259.5 142.2 174.4 156.2 229.5
EBIDT margin Annual % 37.48% 46.92% 52.43% 40.13% 33.47% 30.36% 36.88% 33.55% 38.2%
Other Income Annual Cr 8.7 5.5 21.7 82.8 24.7 3.5 11.4 8.2 4.2 10.7
Depreciation Cr 23.9 23.9 37.5 32.8 34.9 30.7 24.3 25.9 13.0 13.1
PAT Before ExtraOrdinary Items Annual Cr 290.3 562.3 364.5 163.3 145.6 41.6 110.0 104.2 139.5
Net Profit Annual Cr 290.3 290.3 562.3 364.5 163.3 145.6 41.6 110.0 104.2 139.5
Basic EPS Annual Rs 19.5 38.2 25.1 11.9 10.3 3.0 7.6 7.2 9.5
Annual Total Revenue Annual Cr Analysis
Total Revenue Annual Cr growth is lower than historical averages.
Average Total Revenue Annual Cr
1 Year:
2,468.23 Cr
3 Years:
2,387.18 Cr
5 Years:
1,803.31 Cr
7 Years:
1,422.53 Cr
Annual Net Profit Annual Cr Analysis
Net Profit Annual Cr growth is lower than historical averages.
Average Net Profit Annual Cr
1 Year:
290.32 Cr
3 Years:
405.7 Cr
5 Years:
305.2 Cr
7 Years:
239.65 Cr
Annual ROE Annual % Analysis
ROE Annual % is growing faster than historical averages.
Average ROE Annual %
1 Year:
24.75 %
3 Years:
23.22 %
5 Years:
18.5 %
7 Years:
14.97 %
All values except ratios in INR(Crores)
IndicatorMar-2019Mar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Mar-2012Mar-2011Graph
Book Value Per Share Annual Rs 123.9 46.3 41.7 41.0 37.9 39.1 38.5 35.5
RoA Annual % 7.03% 7.44% 4.57% 5.67% 5.27% 5.14% 8.96% 7.74%
ROE Annual % 17.99% 12.89% 7.87% 10.52% 7.49% 6.82% 10.08% 8.32%
ROCE Annual % 25.11% 15.35% 6.66% 8.21% 7.07% 6.49% 10.01% 8.28%
Profitability Ratio
Liquidity Ratio
Valuation Ratio
Total Debt to Total Equity Annual 0.7 0.5 0.6 0.8 0.3 0.3 0.0 0.0
Annual Book Value Per Share Annual Rs Analysis
Book Value Per Share Annual Rs growth is higher than historical averages.
Average Book Value Per Share Annual Rs
1 Year:
123.88 Rs
3 Years:
98.02 Rs
5 Years:
75.37 Rs
7 Years:
64.84 Rs
Annual RoA Annual % Analysis
RoA Annual % is growing faster than historical averages.
Average RoA Annual %
1 Year:
7.03 %
3 Years:
7.17 %
5 Years:
6.35 %
7 Years:
6.02 %
IndicatorMar-2019Mar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Mar-2012Mar-2011Graph
Book Value Per Share Annual Rs 158.8 125.6 102.2 92.8 85.1 84.1 78.9 73.7
RoA Annual % 5.69% 4.26% 3.32% 4.87% 2.16% 6.15% 6.72% 9.07%
ROE Annual % 24.75% 20.15% 11.77% 11.08% 3.37% 8.95% 9.1% 12.93%
ROCE Annual % 22.21% 17.45% 5.31% 8.83% 3.3% 8.77% 8.98% 12.82%
Profitability Ratio
Liquidity Ratio
Valuation Ratio
Total Debt to Total Equity Annual 1.9 2.6 1.7 0.6 0.0 0.0 0.0 0.0
Annual Book Value Per Share Annual Rs Analysis
Book Value Per Share Annual Rs growth is higher than historical averages.
Average Book Value Per Share Annual Rs
1 Year:
158.76 Rs
3 Years:
147.7 Rs
5 Years:
127.62 Rs
7 Years:
115.32 Rs
Annual RoA Annual % Analysis
RoA Annual % is growing faster than historical averages.
Average RoA Annual %
1 Year:
5.69 %
3 Years:
5.21 %
5 Years:
4.77 %
7 Years:
4.59 %
All values except ratios in INR(Crores)
IndicatorMar-2019Mar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Mar-2012Mar-2011Graph
Total ShareHolders Funds Annual Cr 2,593.6 1,797.5 669.2 593.5 574.8 524.1 568.1 558.4 512.6
Minority Interest Liability Annual Cr
Total Non Current Liabilities Annual Cr 175.7 224.5 114.3 108.3 161.7 31.5 28.8 3.6 2.4
Total Current Liabilities Annual Cr 2,937.0 2,576.1 375.7 319.1 329.6 190.2 156.1 65.7 36.1
Total Capital Plus Liabilities Annual Cr 4,598.1 1,159.2 1,020.9 1,066.0 745.8 753.1 627.8 551.0
Fixed Assets Annual Cr 282.4 274.8 137.7 144.2 152.3 160.2 152.3 163.3 137.3
Total Non Current Assets Annual Cr 305.9 2,474.1 732.0 638.3 519.1 285.4 274.8 275.8 233.2
Total Current Assets Annual Cr 5,400.3 2,124.0 427.2 382.6 547.0 460.3 478.2 352.0 317.8
Total Assets Annual Cr 5,706.2 4,598.1 1,159.2 1,020.9 1,066.0 745.8 753.1 627.8 551.0
Contingent Liabilities plus Commitments Annual Cr 215.2 206.4 95.4 56.6 66.8 158.6 140.6 47.6
Bonus Equity Share Capital Annual Cr 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Non Current Investments Unquoted BookValue Annual Cr 1,504.2 577.1 460.3 352.0 104.8 104.1 98.7 83.3
Current Investments Unquoted BookValue Annual Cr 288.0 80.0 0.0 0.0 0.0 0.0 0.0 0.0
Average Long Term Debt To Equity Annual
1 Year:
0.11
3 Years:
0.12
5 Years:
0.16
7 Years:
0.13
Annual Total Assets Annual Cr Analysis
Total Assets Annual Cr growth is lower than historical averages.
Average Total Assets Annual Cr
1 Year:
5,706.24 Cr
3 Years:
3,821.2 Cr
5 Years:
2,710.11 Cr
7 Years:
2,149.91 Cr
IndicatorMar-2019Mar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Mar-2012Mar-2011Graph
Total ShareHolders Funds Annual Cr 3,094.2 2,268.5 1,786.0 1,436.5 1,294.9 1,170.3 1,217.9 1,140.9 1,059.5
Minority Interest Liability Annual Cr 0.0 35.1 28.5 16.2 6.3 5.1 3.0 4.4 5.2
Total Non Current Liabilities Annual Cr 284.3 3,377.4 3,777.0 1,726.3 323.4 18.2 22.8 11.0 4.1
Total Current Liabilities Annual Cr 7,103.2 4,183.5 2,849.8 1,911.6 1,320.2 632.7 529.2 388.5 441.4