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Care Ratings Ltd.

•
careedge.inBSE: 534804NSE: CARERATING
Market Cap₹ 4,970 Cr.
Current Price
High / Low₹ 1,838 / 1,393
Stock P/E28.0
Book Value₹ 319
Price to Book4.66
Dividend Yield1.33 %
ROCE27.4 %
ROE20.1 %
Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Rating: 89.3% • Others: 10.7%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence
84%
View full sector analysis →

PROS

  • Company is almost debt free
  • Company has a healthy return on capital (ROCE) of 24.7%
  • Company has consistently been profitable over the last 5 years
  • Company has been maintaining a healthy dividend payout of 38.6%
  • Company has a consistent dividend-paying track record
  • Working capital cycle has improved - days down from 539 to 432

CONS

  • Operating margins have contracted to 41.7% from 49.2%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesRatingsRatings
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.CRISIL4694.4038.8234330.161.30216.4626.161075.3927.5637.9828.63
2.CARERATING1650.2027.984970.141.3332.9924.52111.6818.9227.3631.01
3.ICRA4730.4023.384565.422.2256.4632.04163.3731.2322.8033.72
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
66967990791179611094136112131112
49555561576266626668727082
Operating Profit18422329225630472868406130
OPM %26.84%43.46%29.69%32.20%27.65%47.47%31.57%43.20%29.54%50.16%35.98%46.49%27.02%
12111410121212151413131615
Interest0000001111111
Depreciation3333333333444
Profit before Tax26503436306439593777497245
Tax %30.52%28.63%29.56%32.16%29.71%27.01%26.73%26.34%29.22%25.61%25.41%25.77%26.64%
Net Profit0000214728432657375333
6.0011.837.888.076.9415.419.3014.248.6118.9011.9617.5810.73

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
287333319244248248279332402473491
105122144162153168180220247276291
Operating Profit18221117581968099112155197200
OPM %63.39%63.35%54.76%33.38%38.55%32.15%35.61%33.81%38.61%41.73%40.68%
3425303131273847515556
Interest00011012222
Depreciation3338881110121415
Profit before Tax21223320210411999126147192235243
Tax %30.53%30.35%31.56%19.80%23.33%22.10%32.04%30.05%27.18%26.20%25.81%
Net Profit14816213883917785103140174180
EPS0.000.000.000.0030.3325.3128.1733.6745.8556.97—
Dividend Payout %55.85%99.77%64.29%69.75%55.95%67.10%88.89%53.45%39.26%38.62%—

COMPOUNDED SALES GROWTH

10 Years:
5%
5 Years:
14%
3 Years:
19%

COMPOUNDED PROFIT GROWTH

10 Years:
4%
5 Years:
14%
3 Years:
27%

STOCK PRICE CAGR

10 Years:
3%
5 Years:
18%
3 Years:
26%
1 Year:
0%

RETURN ON EQUITY

10 Years:
20%
5 Years:
16%
3 Years:
18%
Last Year:
20%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions

2026

Jun 25

₹ 1.40

Rs.14.0000 per share(140%)Final Dividend

2025

Nov 19

₹ 0.80

Rs.8.0000 per share(80%)Interim Dividend

2025

Jun 27

₹ 1.10

Rs.11.0000 per share(110%)Final Dividend

2024

Nov 5

₹ 0.70

Rs.7.0000 per share(70%)Interim Dividend

2024

Jun 21

₹ 1.10

Rs.11.0000 per share(110%)Final Dividend

2023

Nov 10

₹ 0.70

Rs.7.0000 per share(70%)Interim Dividend

2023

Jul 7

₹ 0.80

Rs.8.0000 per share(80%)Special Dividend

2023

Jul 7

₹ 0.70

Rs.8.0000 per share(80%)Special Dividend

2023

Feb 10

₹ 1

Rs.10.0000 per share(100%)Interim Dividend

2022

Sep 13

₹ 1

Rs.10.0000 per share(100%)Final Dividend

2021

Nov 11

₹ 0.70

Rs.7.0000 per share (70%) First Interim Dividend

2021

Sep 6

₹ 0.60

Rs.6.0000 per share(60%)Final Dividend

2021

Feb 17

₹ 0.30

Rs.3.0000 per shaer (30%) Second Interim Dividned

2020

Nov 18

₹ 0.80

Rs.8.0000 per share(80%)Interim Dividend

2020

Aug 31

₹ 0.25

Rs.2.5000 per share(25%)Final Dividend

2020

Feb 20

₹ 0.60

Rs.6.0000 per share(60%)Third Interim Dividend

2019

Aug 19

₹ 0.30

Rs.3/- (30%) First Interim Dividend

2018

Sep 18

₹ 1.20

2018

Sep 18

₹ 2.50

Rs.6/- (60%) First Interim Dividend

2018

Aug 24

₹ 0.60

Rs.6/- (60%) First Interim Dividend

2018

Feb 9

₹ 0.60

Rs.6.00 per share(60%) Third Interim Dividend

2017

Nov 28

₹ 0.60

Rs.6.0000 per share (60%) Second Interim Dividend

2017

Sep 5

₹ 0.60

Rs.6.0000 per share(60%)First Interim Dividend

2017

Jul 24

₹ 1

Rs.10.0000 per share(100%)Dividend

2017

Feb 14

₹ 0.60

Rs.6.0000 per share(60%)Third Interim Dividend

2016

Nov 17

₹ 0.60

Rs.6.0000 per share(60%)Interim Dividend

2016

Sep 19

₹ 1

Rs.10.0000 per share(100%)Dividend

2016

Aug 18

₹ 0.60

Rs.6.0000 per share(60%)Interim Dividend

2016

Feb 10

₹ 0.60

Rs.6.0000 per share (60%) Third Interim Dividend

2015

Nov 16

₹ 0.60

Rs.6.0000 per share (60%) Second Interim Dividend

2015

Sep 21

₹ 0.80

Rs.8.0000 per share(80%)Final Dividend

2015

Jul 29

₹ 0.60

Rs.6.0000 per share (60%) First Interim Dividend

2014

Sep 24

₹ 1

Rs.65.0000 per share (650%) Special Interim Dividend 2

2014

Sep 24

₹ 6.50

Rs.65.0000 per share (650%) Special Interim Dividend 2

2014

Aug 13

₹ 0.60

Rs.6.0000 per share(60%)Interim Dividend

2014

Jan 30

₹ 0.60

Rs.6.0000 per share (60%) Third Interim Dividend

2013

Nov 26

₹ 0.60

Rs.6.0000 per share(60%)Second Interim Dividend

2013

Sep 24

₹ 0.80

Rs.8.0000 per share(80%)Final Dividend & A.G.M.

2013

Aug 22

₹ 0.60

Rs.6.0000 per share(60%)Interim Dividend

2013

Mar 7

₹ 1.20

Rs.12.0000 per share(120%)Interim Dividend

2018

May 23

₹ 2.50

Rs.25.0000 per share(250%)Special Dividend

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital29292929293030303030
Minority Interest02234577911
490559499480535610636682771897
00084615172022
Trade Payables13124510131515
4895666455765986027192112130
Total Liabilities1,0101,1591,1771,0991,1751,2577708429581,105
616083938596107109119122
46651843933924044444413487
0000000223235
Cash & Bank14293011529082565897129
4695516255525601,036562608575731
Total Assets1,0101,1591,1771,0991,1751,2577708429581,105

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
1842011711021099711491123148
Cash from Investing-22-258327-38-2713-39-58-94
Cash from Financing-96-99-195-107-43-35-63-63-54-59
111-4-135632-1111-6

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters0.000.000.000.000.000.000.000.000.00
23.3724.7924.7523.7524.6223.6123.0023.2523.41
26.1525.2827.5029.3829.7631.6031.3031.3831.58
Government0.000.000.000.000.000.000.000.000.00
50.4849.9347.7446.8845.6244.7945.7045.3745.01

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-11
Copy of Newspaper Publication

2026-09-11 - CARE Ratings Limited has informed the Exchange about Copy of Newspaper Publication

2026-09-04
Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-04 - CARE Ratings Limited has informed the Exchange about Schedule of InvestorMeet

2026-09-03
Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-03 - CARE Ratings Limited has informed the Exchange about Cancellation of Investor Meet

2026-09-02
ESOP/ESOS/ESPS

2026-09-02 - CARE Ratings Limited has informed the Exchange regarding Allotment of 24,500 equity shares pursuant to exercise of ESOP

2026-09-01
Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-01 - CARE Ratings Limited has informed the Exchange about Schedule of Investor Meet

2026-08-27
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-27 - CARE Ratings Limited has informed the Exchange about Schedule of Investor Meet

2026-08-20
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-20 - CARE Ratings Limited has informed the Exchange about Reschedule of Investor Meet

2026-08-20
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-20 - CARE Ratings Limited has informed the Exchange about Schedule of Investor Meet

2026-08-18
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-18 - CARE Ratings Limited has informed the Exchange about Schedule of Investor Meet

News

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Care Ratings Ltd.

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