Crest Ventures Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2026 • Investing and Financial Activities: 46.6% • Real Estate and Related Activities: 33.0% • Broking and Related Activities: 20.4%
AI Sector View
AI GENERATEDFinancial Services
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.
PROS
- Company has delivered good profit growth of 74.2% CAGR over last 5 years
- Comfortable capital adequacy - CAR of 64.4%
- Asset quality is healthy - gross NPA of just 0.0%
- Solid return on assets for a lender - ROA of 2.8%
- Company has consistently been profitable over the last 5 years
- Company has delivered good sales growth of 23.9% CAGR over last 5 years
CONS
- Recent results are weak - TTM profit is down 48.1% versus prior year
- Company has a low return on equity of 5.9% over last 3 years
- Company has a low return on capital employed of 8.1%
- Operating margins have contracted to 54.6% from 89.2%
- Valuation is stretched - P/E of 30.0 is well above its own 5-year median (17.5)
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1055.00 | 32.35 | 656838.18 | 0.57 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1029.95 | 21.41 | 242345.54 | 1.05 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| TATACAP | 367.80 | 28.89 | 156126.28 | 0.15 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| CHOLAFIN | 1824.90 | 27.10 | 155858.50 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| JIOFIN | 233.50 | 74.61 | 154183.36 | 0.26 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| BAJAJHLDNG | 11055.60 | 13.89 | 123041.65 | 1.76 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2896.70 | 10.23 | 116293.37 | 1.04 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 396.20 | 26.43 | 108461.67 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 308.50 | 24.30 | 77320.98 | 0.89 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 668.55 | 27.96 | 63622.10 | 0.37 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 682.70 | 26.07 | 56716.32 | 0.59 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| CREST | 362.95 | 29.97 | 1032.58 | 0.28 | 11.47 | -55.82 | 30.24 | -17.81 | 5.78 | 68.93 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 23 | 55 | 44 | 34 | 66 | 22 | 24 | 22 | 37 | 19 | 22 | 19 | 30 | |
| 14 | 14 | 29 | 18 | 10 | 10 | 20 | 27 | 21 | 18 | 15 | 15 | 22 | |
| Operating Profit | 17 | 47 | 22 | 22 | 67 | 26 | 24 | 20 | 42 | 12 | 21 | 17 | 21 |
| OPM % | 74.14% | 85.56% | 51.39% | 65.35% | 102.52% | 115.09% | 101.65% | 92.03% | 115.30% | 61.42% | 95.03% | 87.72% | 68.93% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 6 | 6 | 6 | 6 | 6 | 5 | 5 | 5 | 4 | 5 | 5 | 5 | 5 |
| Depreciation | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 1 |
| 10 | 40 | 15 | 15 | 61 | 19 | 18 | 14 | 37 | 6 | 14 | 10 | 14 | |
| Tax % | 35.16% | 21.48% | 27.78% | 25.58% | 17.10% | 12.72% | 25.77% | 24.25% | 25.47% | 32.12% | 27.10% | 26.17% | 18.59% |
| Net Profit | 0 | 0 | 0 | 0 | 50 | 18 | 15 | 8 | 26 | 4 | 11 | 9 | 11 |
| 2 | 11 | 4 | 4 | 17 | 6 | 5 | 3 | 9 | 1 | 4 | 3 | 0 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 48 | 96 | 52 | 67 | 55 | 57 | 651 | 184 | 204 | 159 | 90 | |
| 33 | 30 | 32 | 40 | 50 | 60 | 71 | 75 | 73 | 72 | 69 | |
| Operating Profit | 15 | 65 | 21 | 27 | 4 | -3 | 579 | 109 | 131 | 87 | 21 |
| OPM % | 30.57% | 68.21% | 39.30% | 40.57% | 8.17% | -5.46% | 89.02% | 59.31% | 64.25% | 54.59% | 23.31% |
| 1 | 1 | 1 | 1 | 0 | 0 | 1 | 0 | 6 | 3 | 0 | |
| Interest | 9 | 8 | 8 | 10 | 11 | 14 | 11 | 24 | 21 | 20 | 21 |
| Depreciation | 1 | 1 | 3 | 3 | 3 | 3 | 4 | 5 | 4 | 5 | 6 |
| Profit before Tax | 6 | 57 | 10 | 15 | 7 | 15 | 573 | 83 | 111 | 65 | 44 |
| Tax % | 14.73% | 11.45% | 36.44% | 31.98% | 59.49% | 20.03% | 30.92% | 24.78% | 18.86% | 26.35% | 24.80% |
| Net Profit | 5 | 50 | 6 | 10 | 3 | 12 | 396 | 62 | 90 | 48 | 33 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 1.05 | 4.25 | 139.14 | 21.33 | 31.39 | 16.57 | — |
| Dividend Payout % | 3.42% | 1.39% | 2.97% | 3.14% | 47.73% | 11.76% | 0.71% | 4.69% | 3.19% | 6.04% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 16%
- 5 Years:
- 24%
- 3 Years:
- -37%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 2%
- 5 Years:
- 73%
- 3 Years:
- -51%
STOCK PRICE CAGR
- 10 Years:
- 18%
- 5 Years:
- 24%
- 3 Years:
- 14%
- 1 Year:
- -4%
RETURN ON EQUITY
- 10 Years:
- 9%
- 5 Years:
- 14%
- 3 Years:
- 6%
- Last Year:
- 4%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 26 | 26 | 28 | 28 | 28 | 28 | 28 | 28 | 28 | 28 |
| Minority Interest | 9 | 10 | 1 | 0 | 0 | 0 | 0 | 30 | 25 | 26 |
| 308 | 400 | 501 | 543 | 550 | 562 | 950 | 1,076 | 1,166 | 1,276 | |
| 62 | 69 | 68 | 100 | 122 | 250 | 176 | 208 | 169 | 424 | |
| Trade Payables | 3 | 2 | 1 | 1 | 2 | 2 | 2 | 4 | 3 | 5 |
| 9 | 10 | -1 | 0 | 2 | 7 | 23 | 23 | 28 | 163 | |
| Total Liabilities | 417 | 516 | 598 | 673 | 705 | 849 | 1,180 | 1,370 | 1,420 | 1,923 |
| 41 | 41 | 41 | 41 | 2 | 11 | 13 | 14 | 15 | 23 | |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
| 222 | 313 | 369 | 398 | 441 | 493 | 286 | 316 | 290 | 408 | |
| 11 | 13 | 10 | 9 | 22 | 45 | 64 | 87 | 107 | 590 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 10 | 4 | |
| Cash & Bank | 18 | 16 | 6 | 4 | 12 | 10 | 37 | 97 | 74 | 149 |
| 125 | 132 | 172 | 221 | 228 | 290 | 781 | 852 | 924 | 747 | |
| Total Assets | 417 | 516 | 598 | 673 | 705 | 849 | 1,180 | 1,370 | 1,420 | 1,923 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -7 | -4 | -37 | -45 | -0 | -101 | -518 | -7 | -14 | 46 | |
| Cash from Investing | -27 | 5 | -5 | 15 | -9 | -22 | 782 | 48 | 28 | -85 |
| Cash from Financing | 36 | 5 | 50 | 30 | 19 | 124 | -82 | 26 | -53 | 109 |
| 0 | -2 | 2 | -2 | 8 | -2 | 20 | 66 | -39 | 70 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-03 - Crest Ventures Limited has informed the Exchange with copy of minutes of 44th Annual General Meeting held on August 22, 2026
2026-08-25 - Declaration of Voting Results and Scrutinizer's Report of the 44th Annual General Meeting of the Company
2026-08-22 - Crest Ventures Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on August 22, 2026
2026-08-18 - Crest Ventures Limited has informed the Exchange about Incorporation of Step-Down Wholly Owned Subsidiary Companies
2026-08-15 - Crest Ventures Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-13 - Crest Ventures Limited has informed the Exchange regarding 'Intimation under Regulation 8(2) of the Securities and Exchange Board of India (Prohibition of Insider Trading) Regulations, 2015'.
2026-08-13 - Crest Ventures Limited has submitted to the Exchange, the Un-audited Financial Results (Standalone and Consolidated) for the quarter ended June 30, 2026.
2026-08-12 - Transfer of Equity shares pursuant to exercise of options granted under Crest - Employees Stock Option Plan 2022.
2026-07-31 - Crest Ventures Limited has informed the Exchange about Retirement of Mr. Parag Shah, President - Investments and Credit of the Company
News
Recent coverage and analyst commentary for CREST
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