Crest Ventures Ltd.

•

crest.inBSE: 511413NSE: CREST

Market Cap₹ 1,013 Cr.

Current Price

High / Low₹ 418 / 298

Stock P/E45.2

Book Value₹ 415

Price to Book0.76

Dividend Yield0.28 %

ROCE5.5 %

ROE3.5 %

Face Value₹ 10

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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 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

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 delivered good sales growth of 34.8% CAGR over last 5 years
Company generates healthy free cash flow
Company has a consistent dividend-paying track record

CONS

Recent results are weak - TTM profit is down 60.7% versus prior year
Company has a low return on equity of 5.5% over last 3 years
Company has a low return on capital employed of 7.8%
Operating margins have contracted to 61.3% from 94.3%
Valuation is stretched - P/E of 45.2 is well above its own 5-year median (21.2)

* 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	1060.50	32.52	660262.45	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1041.00	21.64	244945.59	1.04	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	TATACAP	375.00	29.46	159182.59	0.15	16281.80	1464.16	88219.30	1051.00	8.66	75.72
4.	JIOFIN	239.85	76.64	158376.35	0.25	830.25	155.73	2004.47	227.28	2.11	69.71
5.	CHOLAFIN	1839.00	27.31	157062.74	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
6.	BAJAJHLDNG	11148.75	14.01	124078.35	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2920.00	10.31	117228.79	1.03	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	404.80	27.00	110815.96	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	314.00	24.73	78699.47	0.88	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	657.90	27.52	62608.60	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	682.25	26.05	56678.94	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	CREST	356.05	29.40	1012.95	0.28	11.47	-55.82	30.24	-17.81	5.78	68.93

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	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
	25	52	39	24	62	24	21	18	33	17	19	15	19
	7	8	22	11	4	3	15	24	14	11	7	7	14
Operating Profit	17	44	17	14	61	24	21	13	35	10	19	15	11
OPM %	69.81%	84.56%	44.32%	55.75%	99.17%	98.85%	96.73%	68.73%	106.82%	58.92%	98.42%	101.01%	58.61%
Other Income	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest	5	6	6	6	6	5	5	5	4	5	5	5	5
Depreciation	1	1	1	1	0	1	1	1	1	1	1	1	1
	11	38	11	7	55	18	15	7	30	4	12	9	5
Tax %	25.97%	21.66%	29.79%	36.68%	17.29%	4.96%	25.87%	33.24%	25.71%	29.15%	22.40%	23.69%	26.90%
Net Profit	8	29	8	4	45	17	11	5	22	3	10	7	4
	3	10	3	2	16	6	4	2	8	1	3	2	0

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	20	72	31	35	26	30	816	140	164	117	70
	7	9	9	14	32	41	48	48	50	45	39
Operating Profit	12	63	22	21	-5	-11	768	92	114	71	31
OPM %	62.96%	88.15%	69.73%	59.56%	-20.65%	-38.32%	94.15%	65.68%	69.40%	61.35%	44.07%
	1	0	0	0	0	0	1	0	5	5	0
Interest	9	8	8	10	10	14	11	23	20	20	21
Depreciation	0	1	2	2	2	2	3	3	3	4	4
Profit before Tax	4	55	11	9	-18	-28	756	66	96	53	30
Tax %	17.67%	11.28%	30.19%	34.40%	-15.17%	-4.65%	21.31%	25.27%	17.54%	24.88%	24.42%
Net Profit	3	48	8	6	-20	-29	595	50	79	39	22
EPS	0.00	0.00	0.00	0.00	-7.10	-10.12	209.07	17.61	27.96	13.97	—
Dividend Payout %	39.24%	2.69%	17.84%	23.70%	-7.04%	-4.94%	0.47%	5.68%	3.58%	7.16%	—

COMPOUNDED SALES GROWTH

10 Years:: 26%
5 Years:: 35%
3 Years:: -48%

COMPOUNDED PROFIT GROWTH

10 Years:: 15%
5 Years:: —
3 Years:: -60%

STOCK PRICE CAGR

10 Years:: 20%
5 Years:: 24%
3 Years:: 14%
1 Year:: -5%

RETURN ON EQUITY

10 Years:: 13%
5 Years:: 22%
3 Years:: 5%
Last Year:: 4%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	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
	194	241	301	304	288	259	846	962	1,043	1,150
	62	68	66	100	118	250	153	172	168	347
Trade Payables	1	0	0	1	2	2	2	4	3	5
	3	6	-4	-4	-2	2	18	18	24	23
Total Liabilities	287	342	391	429	434	541	1,047	1,184	1,267	1,552
	40	39	40	39	1	9	9	8	10	16
	125	172	190	192	208	223	253	293	300	600
	8	10	10	9	22	45	62	63	85	255
	0	0	0	0	0	0	0	1	7	1
Cash & Bank	2	1	2	1	3	6	30	55	18	84
	112	120	149	188	200	258	692	764	846	595
Total Assets	287	342	391	429	434	541	1,047	1,184	1,267	1,552

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-9	-3	-27	-26	-4	-108	-429	-20	-77	285
Cash from Investing	-28	4	-15	-5	-10	-16	697	35	51	-257
Cash from Financing	35	5	49	31	16	129	-105	16	-11	38
	-2	-1	1	-2	2	3	19	31	-37	66

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
PER SHARE
EPS (₹)	1.27	18.59	2.80	2.11	-7.10	-10.12	210.95	17.61	27.96	13.97
Book Value (₹)	84.44	102.42	115.75	116.85	111.07	101.02	310.09	351.17	379.93	416.75
Dividend per Share (₹)	0.50	0.50	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00
Cash EPS (₹)	1.46	19.03	3.53	2.79	-6.35	-9.35	211.97	18.68	29.02	15.39
PROFITABILITY
Operating Margin %	69.67%	88.69%	70.34%	59.61%	-19.27%	-37.39%	94.33%	65.68%	69.40%	61.35%
Net Margin %	16.79%	67.41%	25.73%	17.15%	-77.29%	-97.33%	72.93%	35.55%	48.03%	33.89%
ROE %	1.69%	19.90%	2.67%	1.81%	-6.23%	-9.54%	102.40%	5.33%	7.65%	3.51%
ROCE %	5.14%	20.51%	5.45%	4.85%	-1.89%	-3.71%	112.05%	8.16%	9.66%	5.54%
	1.22%	15.41%	2.17%	1.46%	-4.69%	-5.91%	74.89%	4.45%	6.43%	2.80%
EFFICIENCY
Debtor Days	12	7	19	16	19	14	1	5	10	13
Inventory Days	476	45	120	99	211	411	24	163	164	533
Payable Days	-218	-141	-365	125	-36	-26	-44	-3125	-58	-8
	707	193	503	-10	267	451	69	3293	232	554
FINANCIAL HEALTH
Debt to Equity (x)	0.27x	0.24x	0.19x	0.17x	0.17x	0.20x	0.17x	0.17x	0.15x	0.17x
Interest Coverage (x)	1.44x	7.83x	2.38x	1.94x	-0.69x	-0.93x	72.33x	3.95x	5.80x	3.64x
	6.19x	3.13x	9.59x	13.28x	13.05x	11.93x	22.21x	2.64x	1.64x	3.61x
GROWTH
Revenue Growth %	69.62%	263.32%	-56.89%	12.98%	-25.28%	13.15%	2656.72%	-82.87%	17.48%	-28.99%
Operating Profit Growth %	-21.49%	362.52%	-65.81%	-4.25%	-124.15%	-119.53%	7055.58%	-88.04%	28.82%	-35.44%
Net Profit Growth %	-67.29%	1358.93%	-83.54%	-24.71%	-436.76%	-42.47%	2165.64%	-91.65%	58.73%	-49.89%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-91.65%	58.73%	-50.02%
VALUATION
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	21.19x	13.29x	22.70x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	1.06x	0.98x	0.76x
Dividend Yield %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.27%	0.27%	0.32%
	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	12.67x	10.05x	13.26x

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	69.11	69.11	69.11	69.46	69.75	69.75	69.75	69.75	69.84
	1.25	1.42	1.43	1.50	1.63	1.63	1.63	1.71	1.71
DIIs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	29.63	29.47	29.46	29.04	28.62	28.62	28.62	28.54	28.45

Documents

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

2026-09-03

Shareholders meeting

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

Shareholders meeting

2026-08-25 - Declaration of Voting Results and Scrutinizer's Report of the 44th Annual General Meeting of the Company

2026-08-22

Shareholders meeting

2026-08-22 - Crest Ventures Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on August 22, 2026

2026-08-18

General Updates

2026-08-18 - Crest Ventures Limited has informed the Exchange about Incorporation of Step-Down Wholly Owned Subsidiary Companies

2026-08-15

Copy of Newspaper Publication

2026-08-15 - Crest Ventures Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-13

Updates

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

Outcome of Board Meeting

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

ESOP/ESOS/ESPS

2026-08-12 - Transfer of Equity shares pursuant to exercise of options granted under Crest - Employees Stock Option Plan 2022.

2026-07-31

Retirement

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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Free 5nance Account

Name

BAJFINANCE

1060.50

32.52

660262.45

0.57

6080.60

27.60

23165.45

20.37

10.87

70.70

SHRIRAMFIN

1041.00

21.64

244945.59

1.04

3452.77

59.90

13400.43

17.46

11.49

74.63

TATACAP

375.00

29.46

159182.59

0.15

16281.80

1464.16

88219.30

1051.00

8.66

75.72

JIOFIN

239.85

76.64

158376.35

0.25

830.25

155.73

2004.47

227.28

2.11

69.71

CHOLAFIN

1839.00

27.31

157062.74

0.11

1656.22

45.56

8856.29

21.89

9.70

70.07

BAJAJHLDNG

11148.75

14.01

124078.35

1.75

2708.08

-92.27

394.33

23.34

14.81

684.72

MUTHOOTFIN

2920.00

10.31

117228.79

1.03

2824.84

43.08

8671.60

36.25

15.87

83.76

ABCAPITAL

404.80

27.00

110815.96

0.00

1223.85

43.85

12179.54

137.84

8.82

41.91

LTF

314.00

24.73

78699.47

0.88

915.99

30.70

5212.92

22.38

8.54

62.13

SBICARD

657.90

27.52

62608.60

0.38

664.44

19.51

5040.55

7.60

11.75

29.83

HDBFS

682.25

26.05

56678.94

0.59

785.20

38.31

4937.90

18.71

9.09

57.98

CREST

356.05

29.40

1012.95

0.28

11.47

-55.82

30.24

-17.81

5.78

68.93

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

Operating Profit

OPM %

69.81%

84.56%

44.32%

55.75%

99.17%

98.85%

96.73%

68.73%

106.82%

58.92%

98.42%

101.01%

58.61%

Other Income

Interest

Depreciation

Tax %

25.97%

21.66%

29.79%

36.68%

17.29%

4.96%

25.87%

33.24%

25.71%

29.15%

22.40%

23.69%

26.90%

Net Profit

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

816

140

164

117

Operating Profit

-5

-11

768

114

OPM %

62.96%

88.15%

69.73%

59.56%

-20.65%

-38.32%

94.15%

65.68%

69.40%

61.35%

44.07%

Interest

Depreciation

Profit before Tax

-18

-28

756

Tax %

17.67%

11.28%

30.19%

34.40%

-15.17%

-4.65%

21.31%

25.27%

17.54%

24.88%

24.42%

Net Profit

-20

-29

595

EPS

0.00

-7.10

-10.12

209.07

17.61

27.96

13.97

—

Dividend Payout %

39.24%

2.69%

17.84%

23.70%

-7.04%

-4.94%

0.47%

5.68%

3.58%

7.16%

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Equity Capital

194

241

301

304

288

259

846

962

1,043

1,150

100

118

250

153

172

168

347

Trade Payables

-4

-2

Total Liabilities

287

342

391

429

434

541

1,047

1,184

1,267

1,552

125

172

190

192

208

223

253

293

300

600

255

Cash & Bank

112

120

149

188

200

258

692

764

846

595

Total Assets

287

342

391

429

434

541

1,047

1,184

1,267

1,552

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

-9

-3

-27

-26

-4

-108

-429

-20

-77

285

Cash from Investing

-28

-15

-5

-10

-16

697

-257

Cash from Financing

129

-105

-11

-2

-1

-2

-37

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

PER SHARE

EPS (₹)

1.27

18.59

2.80

2.11

-7.10

-10.12

210.95

17.61

27.96

13.97

Book Value (₹)

84.44

102.42

115.75

116.85

111.07

101.02

310.09

351.17

379.93

416.75

Dividend per Share (₹)

0.50

1.00

Cash EPS (₹)

1.46

19.03

3.53

2.79

-6.35

-9.35

211.97

18.68

29.02

15.39

PROFITABILITY

Operating Margin %

69.67%

88.69%

70.34%

59.61%

-19.27%

-37.39%

94.33%

65.68%

69.40%

61.35%

Net Margin %

16.79%

67.41%

25.73%

17.15%

-77.29%

-97.33%

72.93%

35.55%

48.03%

33.89%

ROE %

1.69%

19.90%

2.67%

1.81%

-6.23%

-9.54%

102.40%

5.33%

7.65%

3.51%

ROCE %

5.14%

20.51%

5.45%

4.85%

-1.89%

-3.71%

112.05%

8.16%

9.66%

5.54%

1.22%

15.41%

2.17%

1.46%

-4.69%

-5.91%

74.89%

4.45%

6.43%

2.80%

EFFICIENCY

Debtor Days

Inventory Days

476

120

211

411

163

164

533

Payable Days

-218

-141

-365

125

-36

-26

-44

-3125

-58

-8

707

193

503

-10

267

451

3293

232

554

FINANCIAL HEALTH

Debt to Equity (x)

0.27x

0.24x

0.19x

0.17x

0.20x

0.17x

0.15x

0.17x

Interest Coverage (x)

1.44x

7.83x

2.38x

1.94x

-0.69x

-0.93x

72.33x

3.95x

5.80x

3.64x

6.19x

3.13x

9.59x

13.28x

13.05x

11.93x

22.21x

2.64x

1.64x

3.61x

GROWTH

Revenue Growth %

69.62%

263.32%

-56.89%

12.98%

-25.28%

13.15%

2656.72%

-82.87%

17.48%

-28.99%

Operating Profit Growth %

-21.49%

362.52%

-65.81%

-4.25%

-124.15%

-119.53%

7055.58%

-88.04%

28.82%

-35.44%

Net Profit Growth %

-67.29%

1358.93%

-83.54%

-24.71%

-436.76%

-42.47%

2165.64%

-91.65%

58.73%

-49.89%

0.00%

-91.65%

58.73%

-50.02%

VALUATION

P/E (x)

0.00x

21.19x

13.29x

22.70x

P/B (x)

0.00x

1.06x

0.98x

0.76x

Dividend Yield %

0.00%

0.27%

0.32%

0.00x

12.67x

10.05x

13.26x

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

69.11

69.46

69.75

69.84

1.25

1.42

1.43

1.50

1.63

1.71

DIIs

0.00

Government

0.00

29.63

29.47

29.46

29.04

28.62

28.54

28.45

Crest Ventures Ltd.

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Crest Ventures 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