Consolidated Finvest & Holdings Ltd.

•

consofinvest.comBSE: -NSE: CONSOFINVT

Market Cap₹ 975 Cr.

Current Price

High / Low₹ 320 / 152

Stock P/E2.3

Book Value₹ 201

Price to Book1.50

Dividend Yield0.49 %

ROCE35.6 %

ROE35.0 %

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 has delivered good profit growth of 55.1% CAGR over last 5 years
Comfortable capital adequacy - CAR of 61.7%
Solid return on assets for a lender - ROA of 4.5%
Asset quality is healthy - gross NPA of just 0.0%
Operating margins have improved to 954.9% from 152.6%
Company has delivered good sales growth of 30.6% CAGR over last 5 years

CONS

A large part of profit comes from other income (41.7% of PBT)
Effective tax rate is unusually low at 1.8% - earnings may be flattered
Recurring exceptional / one-off items are inflating headline profit

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

Peer comparison

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJFINANCE	1034.20	31.71	643888.19	0.58	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1028.00	21.37	241893.03	1.05	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1845.00	27.40	157575.18	0.11	16562.20	1355.60	88562.90	1118.73	9.70	70.07
4.	TATACAP	362.80	28.50	154003.85	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	230.00	73.49	151872.26	0.26	830.25	155.73	2004.47	227.28	2.11	69.71
6.	BAJAJHLDNG	11120.70	13.97	123766.17	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2794.40	9.86	112186.35	1.07	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	398.60	26.59	109118.68	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	309.50	24.37	77571.61	0.89	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	656.05	27.44	62432.55	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	668.65	25.53	55549.10	0.60	785.20	38.31	4937.90	18.71	9.09	57.98
12.	CONSOFINVT	301.50	2.26	974.64	0.49	566.40	9.62	67.70	4.64	5.65	838.85

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021
	52	69	55	65	30	51	115	68
	2	178	1	2	3	2	155	-25
Operating Profit	370	457	761	515	720	638	538	568
OPM %	715.28%	662.90%	1388.50%	796.60%	2382.78%	1256.89%	468.23%	838.85%
Other Income	16	0	0	14	2,040	46	2	11
Interest	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0
	197	457	761	529	2,759	684	540	579
Tax %	14.29%	5.73%	1.92%	2.29%	1.03%	1.62%	2.44%	2.16%
Net Profit	168	431	746	517	2,731	673	527	566
	5	13	23	16	79	21	16	17

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	TTM
	3	7	7	3	6	7	5	10	15	22	264
	1	2	1	3	2	1	1	6	1	1	135
Operating Profit	2	6	6	0	4	6	4	4	14	21	128
OPM %	67.02%	78.73%	82.70%	10.63%	73.82%	80.51%	85.07%	40.29%	95.93%	96.58%	48.71%
	12	16	-7	6	48	20	-45	-59	-12	188	2,099
Interest	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0
Profit before Tax	14	22	-1	6	52	25	-41	-55	128	451	4,563
Tax %	10.65%	10.34%	-2581.03%	10.68%	4.72%	33.27%	-5.38%	-5.69%	3.92%	1.80%	1.43%
Net Profit	12	19	-26	6	49	17	-43	-59	123	443	4,498
EPS	0.00	0.00	0.00	0.00	35.88	0.00	0.00	0.00	37.81	131.54	—
Dividend Payout %	3.23%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	—

COMPOUNDED SALES GROWTH

10 Years:: 42%
5 Years:: 31%
3 Years:: 67%

COMPOUNDED PROFIT GROWTH

10 Years:: 9%
5 Years:: 30%
3 Years:: 548%

STOCK PRICE CAGR

10 Years:: 17%
5 Years:: 15%
3 Years:: 28%
1 Year:: 55%

RETURN ON EQUITY

10 Years:: 4%
5 Years:: 8%
3 Years:: 14%
Last Year:: 35%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021
Equity Capital	32	32	32	32	32	32	32	32	32	32
Minority Interest	4	22	4	3	41	43	40	31	31	49
	962	1,033	1,036	1,090	1,308	1,363	1,365	1,048	1,058	1,406
	0	0	1	0	1	1	1	1	1	1
Trade Payables	0	1	0	0	0	0	0	0	0	0
	-14	-15	6	3	9	17	9	-11	-17	-9
Total Liabilities	984	1,073	1,078	1,129	1,391	1,455	1,447	1,101	1,105	1,478
	23	38	55	23	138	137	135	1	1	1
Capital Work in Progress	0	12	0	0	0	0	0	0	0	0
	863	851	967	1,066	1,142	1,212	1,257	1,032	1,032	1,181
	0	0	0	0	0	0	0	0	0	0
Cash & Bank	1	9	2	0	1	1	1	0	50	65
	97	163	54	39	109	106	52	68	22	231
Total Assets	984	1,073	1,078	1,129	1,391	1,455	1,447	1,101	1,105	1,478

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021
	-8	-8	51	-2	-56	8	49	-4	36	-197
Cash from Investing	8	-51	-76	1	62	-3	-47	4	14	151
Cash from Financing	-3	72	28	-0	3	-0	0	-0	-0	-0
	-5	8	1	-2	1	-1	1	-1	50	-50

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	74.89	74.89	74.89	74.89	74.89	74.89	74.89	74.89	74.89
	3.37	3.60	4.05	4.29	4.15	4.16	4.18	2.58	2.69
	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	21.72	21.50	21.04	20.81	20.94	20.94	20.91	22.51	22.40

Documents

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

2026-09-11

General Updates

2026-09-11 - Consolidated Finvest & Holdings Limited has informed the Exchange about General Updates

2026-09-11

Outcome of Board Meeting

2026-09-11 - Consolidated Finvest & Holdings Limited has informed the Exchange regarding Outcome of Board Meeting held on September 11, 2026.

2026-09-03

General Updates

2026-09-03 - Disclosure under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 and receipt of the Initial Public Announcement dated September 03, 2026, under the SEBI (Delisting of Equity Shares) Regulations, 2021 ( SEBI Delisting Regulations 2021 ) in relation to the proposal to Voluntary Delist the Equity Shares of Consolidated Finvest & Holdings Limited ( Target Company ). ( Delisting Offer )

2026-08-26

Copy of Newspaper Publication

2026-08-26 - Consolidated Finvest & Holdings Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-24

Shareholders meeting

2026-08-24 - Consolidated Finvest & Holdings Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 21, 2026

2026-08-21

Copy of Newspaper Publication

2026-08-21 - Consolidated Finvest & Holdings Limited has informed the Exchange about Copy of Newspaper Publication"Pre-dispatch AGM Notice 2026"

2026-08-14

Copy of Newspaper Publication

2026-08-14 - Consolidated Finvest & Holdings Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-12

Change in Director(s)

2026-08-12 - Consolidated Finvest & Holdings Limited has informed the Exchange regarding Change in Director(s) of the company.

2026-08-12

Change in Director(s)

2026-08-12 - Consolidated Finvest & Holdings Limited has informed the Exchange regarding Change in Director(s) of the company.

News

Recent coverage and analyst commentary for CONSOFINVT

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Consolidated Finvest & Holdings Ltd.

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Free 5nance Account

Name

BAJFINANCE

1034.20

31.71

643888.19

0.58

6080.60

27.60

23165.45

20.37

10.87

70.70

SHRIRAMFIN

1028.00

21.37

241893.03

1.05

3452.77

59.90

13400.43

17.46

11.49

74.63

CHOLAFIN

1845.00

27.40

157575.18

0.11

16562.20

1355.60

88562.90

1118.73

9.70

70.07

TATACAP

362.80

28.50

154003.85

0.16

16281.80

1464.16

88219.30

1051.00

8.66

75.72

JIOFIN

230.00

73.49

151872.26

0.26

830.25

155.73

2004.47

227.28

2.11

69.71

BAJAJHLDNG

11120.70

13.97

123766.17

1.75

2708.08

-92.27

394.33

23.34

14.81

684.72

MUTHOOTFIN

2794.40

9.86

112186.35

1.07

2824.84

43.08

8671.60

36.25

15.87

83.76

ABCAPITAL

398.60

26.59

109118.68

0.00

1223.85

43.85

12179.54

137.84

8.82

41.91

LTF

309.50

24.37

77571.61

0.89

915.99

30.70

5212.92

22.38

8.54

62.13

SBICARD

656.05

27.44

62432.55

0.38

664.44

19.51

5040.55

7.60

11.75

29.83

HDBFS

668.65

25.53

55549.10

0.60

785.20

38.31

4937.90

18.71

9.09

57.98

CONSOFINVT

301.50

2.26

974.64

0.49

566.40

9.62

67.70

4.64

5.65

838.85

Mar 2020

Jun 2020

Sep 2020

Dec 2020

Mar 2021

Jun 2021

Sep 2021

Dec 2021

115

178

155

-25

Operating Profit

370

457

761

515

720

638

538

568

OPM %

715.28%

662.90%

1388.50%

796.60%

2382.78%

1256.89%

468.23%

838.85%

Other Income

2,040

Interest

Depreciation

197

457

761

529

2,759

684

540

579

Tax %

14.29%

5.73%

1.92%

2.29%

1.03%

1.62%

2.44%

2.16%

Net Profit

168

431

746

517

2,731

673

527

566

Mar 2012

Mar 2013

Mar 2014

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

TTM

264

135

Operating Profit

128

OPM %

67.02%

78.73%

82.70%

10.63%

73.82%

80.51%

85.07%

40.29%

95.93%

96.58%

48.71%

-7

-45

-59

-12

188

2,099

Interest

Depreciation

Profit before Tax

-1

-41

-55

128

451

4,563

Tax %

10.65%

10.34%

-2581.03%

10.68%

4.72%

33.27%

-5.38%

-5.69%

3.92%

1.80%

1.43%

Net Profit

-26

-43

-59

123

443

4,498

EPS

0.00

35.88

0.00

37.81

131.54

—

Dividend Payout %

3.23%

0.00%

—

Mar 2012

Mar 2013

Mar 2014

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Equity Capital

Minority Interest

962

1,033

1,036

1,090

1,308

1,363

1,365

1,048

1,058

1,406

Trade Payables

-14

-15

-11

-17

-9

Total Liabilities

984

1,073

1,078

1,129

1,391

1,455

1,447

1,101

1,105

1,478

138

137

135

Capital Work in Progress

863

851

967

1,066

1,142

1,212

1,257

1,032

1,181

Cash & Bank

163

109

106

231

Total Assets

984

1,073

1,078

1,129

1,391

1,455

1,447

1,101

1,105

1,478

Mar 2012

Mar 2013

Mar 2014

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

-8

-2

-56

-4

-197

Cash from Investing

-51

-76

-3

-47

151

Cash from Financing

-3

-0

-5

-2

-1

-50

Mar 2012

Mar 2013

Mar 2014

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

74.89

3.37

3.60

4.05

4.29

4.15

4.16

4.18

2.58

2.69

0.02

Government

0.00

21.72

21.50

21.04

20.81

20.94

20.91

22.51

22.40

Consolidated Finvest & Holdings Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

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Consolidated Finvest & Holdings Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI