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Care Ratings Ltd.

•
careedge.inBSE: 534804NSE: CARERATING
Market Cap₹ 5,199 Cr.
Current Price
High / Low₹ 1,838 / 1,393
Stock P/E29.0
Book Value₹ 336
Price to Book4.42
Dividend Yield1.27 %
ROCE25.4 %
ROE19.0 %
Face Value₹ 10

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ABOUT

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 24.1%
  • Company has been maintaining a healthy dividend payout of 37.9%
  • Company has a consistent dividend-paying track record
  • Working capital cycle has improved - days down from 568 to 462
  • Company generates healthy free cash flow

CONS

  • Operating margins have contracted to 48.2% from 59.0%

* 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.CRISIL4682.8538.7334245.691.30216.4626.161075.3927.5637.9828.63
2.CARERATING1726.3029.275199.341.2732.9924.52111.6818.9227.3631.01
3.ICRA4789.9523.684622.892.1956.4632.04163.3731.2322.8033.72
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
56856775651027991761149010888
36404340434548454849535059
Operating Profit20452435225730462765375829
OPM %35.69%53.28%35.30%46.79%33.95%56.06%38.55%50.14%35.88%56.86%41.27%53.82%33.35%
11121114131211161513131516
Interest0000000000000
Depreciation2222222222222
Profit before Tax29553246326639593975487145
Tax %26.06%25.38%29.94%24.75%26.08%25.12%25.07%23.82%26.06%25.37%24.42%24.36%24.76%
Net Profit22412235245029452956365334
7.2813.717.4711.678.0416.609.8515.009.7218.6212.0117.7711.27

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
280322297219220219249283337388400
94112126143131133139159182201211
Operating Profit186209171778886110124155187190
OPM %66.36%65.12%57.60%34.94%40.18%39.22%44.12%43.82%46.08%48.23%47.35%
3425303132283747515657
Interest00011011222
Depreciation33377788899
Profit before Tax217232198100113107138162197232238
Tax %29.86%30.52%31.84%19.70%23.87%21.04%24.86%26.22%24.88%24.98%24.76%
Net Profit152161135818684104119148174179
EPS0.000.000.000.0029.0828.4735.0040.0149.4458.04—
Dividend Payout %54.16%100.63%65.48%71.36%58.35%59.66%71.53%44.99%36.41%37.91%—

COMPOUNDED SALES GROWTH

10 Years:
4%
5 Years:
12%
3 Years:
16%

COMPOUNDED PROFIT GROWTH

10 Years:
4%
5 Years:
15%
3 Years:
19%

STOCK PRICE CAGR

10 Years:
4%
5 Years:
18%
3 Years:
26%
1 Year:
4%

RETURN ON EQUITY

10 Years:
20%
5 Years:
17%
3 Years:
18%
Last Year:
19%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

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
495561499479529613659724822949
00064212151413
Trade Payables1111334488
986564638568589593617894109
Total Liabilities1,5111,1561,1681,0831,1551,2407668519691,109
53527583768291939392
48453745835926671112129255207
0000000152225
Cash & Bank1224211012697143312768
9635436145405441,017520584572717
Total Assets1,5111,1561,1681,0831,1551,2407668519691,109

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
1882041729910390125107121142
Cash from Investing-28-278126-38-23-2-60-72-98
Cash from Financing-96-99-195-106-43-35-62-60-53-53
-011-4-142631-12-4-9

Ratios

Standalone Figures in Rs. Crores / View Consolidated

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

2026-09-04
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

2026-08-14
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-14 - CARE Ratings Limited has informed the Exchange about Schedule of Investor meet

News

Recent coverage and analyst commentary for CARERATING

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Care Ratings Ltd.

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