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Consolidated Finvest & Holdings Ltd.

•
consofinvest.comBSE: -NSE: CONSOFINVT
Market Cap₹ 981 Cr.
Current Price
High / Low₹ 320 / 152
Stock P/E18.0
Book Value₹ 363
Price to Book0.55
Dividend Yield0.48 %
ROCE5.6 %
ROE4.9 %
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 44.4% 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%
  • Company has delivered good sales growth of 40.1% CAGR over last 5 years

CONS

  • Company has a low return on capital employed of 6.6%
  • Recent results are weak - TTM profit is down 14.2% versus prior year
  • Company has a low return on equity of 7.6% over last 3 years
  • Effective tax rate is unusually low at 12.4% - earnings may be flattered
  • Valuation is stretched - P/E of 18.0 is well above its own 5-year median (11.8)

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

Peer comparison

Financial ServicesFinanceFinance - NBFC
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.BAJFINANCE1046.0032.08651234.820.576080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1038.0021.58244239.691.043452.7759.9013400.4317.4611.4974.63
3.CHOLAFIN1849.1027.46157925.340.1116562.201355.6088562.901118.739.7070.07
4.TATACAP362.9528.51154067.520.1616281.801464.1688219.301051.008.6675.72
5.JIOFIN231.1573.86152631.620.26830.25155.732004.47227.282.1169.71
6.BAJAJHLDNG10971.0013.79122100.111.782708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2840.0010.03114017.051.062824.8443.088671.6036.2515.8783.76
8.ABCAPITAL400.0026.68109501.940.001223.8543.8512179.54137.848.8241.91
9.LTF311.2524.5178010.220.88915.9930.705212.9222.388.5462.13
10.SBICARD666.0027.8663379.430.38664.4419.515040.557.6011.7529.83
11.HDBFS676.5025.8356201.250.59785.2038.314937.9018.719.0957.98
12.CONSOFINVT303.502.28981.110.48566.409.6267.704.645.65838.85
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
1414146141714201518131415
0010040000000
Operating Profit1413136181314201518131415
OPM %98.26%98.18%93.20%97.69%122.39%78.77%98.94%99.36%100.27%98.96%98.87%99.23%98.96%
Other Income0004003201000
Interest0000000000000
Depreciation0000000000000
14141310181417221519131515
Tax %23.69%26.97%26.62%-58.50%-30.53%-244.99%11.25%-2.09%14.92%16.83%11.14%5.17%14.59%
Net Profit10101016234715231316121413
33357155745440

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
6445111241048666161
81611171111
Operating Profit-23-15111140447656061
OPM %-25.89%84.76%-24.64%89.14%95.44%94.62%98.41%98.44%99.18%99.05%99.00%
2-10-440-874621
Interest00000000000
Depreciation00000000000
Profit before Tax-0-7-5811341151716262
Tax %-8560.78%-23.80%-27.66%29.90%20.33%76.59%23.82%8.72%-52.75%12.40%12.32%
Net Profit-3-9-7691313461085454
EPS0.000.000.001.742.650.1996.8114.3733.4916.73—
Dividend Payout %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%3.37%8.78%—

COMPOUNDED SALES GROWTH

10 Years:
34%
5 Years:
40%
3 Years:
-47%

COMPOUNDED PROFIT GROWTH

10 Years:
2%
5 Years:
44%
3 Years:
-44%

STOCK PRICE CAGR

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

RETURN ON EQUITY

10 Years:
7%
5 Years:
15%
3 Years:
8%
Last Year:
5%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Corporate actions

2026

Sep 11

₹ 0.14

2025

Jul 24

₹ 0.11

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital32323232323232323232
3603523193253344707117769951,127
141-2-4-23511611997118
Total Liabilities4073853503533645388609271,1241,277
2111111111
3063533273323465248539221,1191,270
9830222016126447
Total Assets4073853503533645388609271,1241,277

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-20598513-681410-1
Cash from Investing20-57-8-5-127-8-14-105
Cash from Financing0000000-00-4
-00-00-0-0-0-000

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
74.8974.8974.8974.8974.8974.8974.8974.8974.89
3.373.604.054.294.154.164.182.582.69
0.020.020.020.020.020.020.020.020.02
Government0.000.000.000.000.000.000.000.000.00
21.7221.5021.0420.8120.9420.9420.9122.5122.40

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

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