Consolidated Finvest & Holdings Ltd.

•

consofinvest.comBSE: -NSE: CONSOFINVT

Market Cap₹ 981 Cr.

Current Price

High / Low₹ 320 / 152

Stock P/E2.3

Book Value₹ 201

Price to Book1.50

Dividend Yield0.48 %

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	1046.00	32.08	651234.82	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1038.00	21.58	244239.69	1.04	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1849.10	27.46	157925.34	0.11	16562.20	1355.60	88562.90	1118.73	9.70	70.07
4.	TATACAP	362.95	28.51	154067.52	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	231.15	73.86	152631.62	0.26	830.25	155.73	2004.47	227.28	2.11	69.71
6.	BAJAJHLDNG	10971.00	13.79	122100.11	1.78	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2840.00	10.03	114017.05	1.06	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	400.00	26.68	109501.94	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	311.25	24.51	78010.22	0.88	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	666.00	27.86	63379.43	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	676.50	25.83	56201.25	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	CONSOFINVT	303.50	2.28	981.11	0.48	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.