Elcid Investments Ltd.
•Market Cap₹ 2,130 Cr.
Current Price
High / Low₹ 1,33,700 / 1,05,505
Stock P/E27.0
Book Value₹ 3,02,826
Price to Book0.29
Dividend Yield0.02 %
ROCE1.5 %
ROE1.2 %
Face Value₹ 10
Add ratio to table
ABOUT
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.
Confidence
View full sector analysis →84%
PROS
- Comfortable capital adequacy - CAR of 94.3%
- Asset quality is healthy - gross NPA of just 0.0%
- Company has a consistent dividend-paying track record
CONS
- Company has a low return on capital employed of 1.7%
- Company has a low return on equity of 1.3% over last 3 years
- Company has delivered a poor profit growth of 6.8% over past five years
- Company has delivered a poor sales growth of 5.1% over past five years
- Thin net interest margin of 0.0%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJAJFINSV | 1990.00 | 31.43 | 318810.21 | 0.08 | 6296.67 | 18.15 | 42036.90 | 92.22 | 11.88 | 40.79 |
| AIIL | 510.20 | 20.65 | 43327.49 | 0.00 | 11082.20 | 1075.19 | 14695.40 | 1109.37 | 30.27 | 88.91 |
| CHOLAHLDNG | 1487.10 | 10.46 | 27924.39 | 0.09 | 1788.99 | 42.04 | 11113.57 | 42.92 | 10.52 | 57.53 |
| TVSHLTD | 13055.20 | 13.41 | 26413.42 | 0.66 | 1173.58 | 73.77 | 17076.18 | 40.01 | 19.39 | 16.25 |
| CGCL | 256.20 | 21.86 | 24650.38 | 0.08 | 353.38 | 102.04 | 1576.47 | 62.12 | 11.68 | 68.54 |
| MAHSCOOTER | 13572.20 | 55.69 | 15511.08 | 1.62 | 3.32 | -90.61 | 5.41 | -81.52 | 1.06 | 84.10 |
| JSWHL | 11458.70 | 92.58 | 12718.73 | 0.00 | 24.54 | -92.74 | 34.58 | 14.97 | 0.58 | 92.45 |
| JMFINANCIL | 129.45 | 11.91 | 12387.85 | 2.51 | 368.57 | -19.66 | 1200.53 | 9.69 | 11.91 | 58.30 |
| TSFINV | 403.15 | 18.39 | 8954.12 | 2.77 | 124.95 | -92.11 | 305.57 | 102.23 | 3.47 | 53.35 |
| RELIGARE | 247.65 | 155.41 | 8537.33 | 0.00 | -46.98 | -674.86 | 2353.40 | 1051.76 | -1.28 | -2.08 |
| KAMAHOLD | 2341.45 | 8.07 | 7513.85 | 1.77 | 584.02 | 10.80 | 4657.56 | 7.07 | 20.86 | 22.01 |
| ELCIDIN | 106500.00 | 22.31 | 2130.00 | 0.02 | 57.57 | -18.49 | 73.39 | -20.20 | 1.43 | 98.76 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 83 | 15 | 39 | 14 | 114 | 36 | 1 | -12 | 40 | 49 | 37 | -33 | 43 | |
| 0 | 1 | 0 | 0 | 1 | 0 | 0 | 3 | 1 | 1 | 1 | 2 | 1 | |
| Operating Profit | 82 | 15 | 38 | 14 | 113 | 35 | 0 | -14 | 40 | 49 | 36 | -35 | 43 |
| OPM % | 99.49% | 96.50% | 98.81% | 97.66% | 99.34% | 98.79% | 46.84% | 121.79% | 98.67% | 98.42% | 98.14% | 105.95% | 98.70% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 82 | 15 | 38 | 14 | 113 | 35 | 0 | -13 | 40 | 49 | 36 | -35 | 43 | |
| Tax % | 23.99% | 24.93% | 21.97% | 29.79% | 22.98% | 20.62% | 300.00% | 0.30% | 22.12% | 24.63% | 24.99% | 46.04% | 20.97% |
| Net Profit | 63 | 11 | 30 | 10 | 87 | 28 | -1 | -13 | 31 | 37 | 27 | -19 | 34 |
| 3,127 | 567 | 1,489 | 478 | 4,358 | 1,404 | -48 | -665 | 1,561 | 1,839 | 1,348 | -937 | 169 | |
| Equity Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Reserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Promoter Pledge % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | 43 | 56 | 73 | 88 | 74 | 151 | 138 | 94 | 96 | |
| 1 | 1 | 2 | 2 | 1 | 2 | 5 | 2 | 4 | 4 | 4 | |
| Operating Profit | 25 | 32 | 41 | 54 | 72 | 85 | 69 | 150 | 136 | 91 | — |
| OPM % | 30,908 | 32,231 | 96 | 97 | 99 | 97 | 93 | 99 | 99 | 97 | — |
| Other Income | 26 | 32 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 1 | 1 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 |
| 25 | 32 | 41 | 54 | 72 | 85 | 69 | 149 | 136 | 90 | 93 | |
| Tax % | 2 | 0 | 8 | -1 | 24 | 24 | 29 | 24 | 26 | 15 | 15 |
| Net Profit | 24 | 31 | 38 | 55 | 55 | 65 | 49 | 113 | 101 | 76 | 79 |
| EPS | 0 | 0 | 0 | 2,730 | 2,744 | 3,240 | 2,442 | 5,661 | 5,049 | 3,811 | — |
| Dividend Payout % | 1 | 1 | 1 | 1 | 1 | 0 | 1 | 0 | 0 | 1 | — |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | 1,209 | 1,572 | 1,877 | 2,730 | 2,744 | 3,240 | 2,442 | 5,661 | 5,049 | 3,811 | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 80%
- 5 Years:
- 5%
- 3 Years:
- 8%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 14%
- 5 Years:
- 7%
- 3 Years:
- 16%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- —
RETURN ON EQUITY
- 10 Years:
- 5%
- 5 Years:
- 1%
- 3 Years:
- 1%
- Last Year:
- 1%
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - | - | - | - | - |
| 146 | 177 | 3,563 | 4,846 | 7,084 | 8,587 | 7,793 | 8,125 | 6,368 | 6,023 | |
| 0 | 0 | 924 | 188 | 488 | 606 | 568 | 617 | 1,090 | 943 | |
| Total Liabilities | 146 | 177 | 4,487 | 5,035 | 7,572 | 9,193 | 8,361 | 8,742 | 7,458 | 6,965 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 1 | 1 | 1 | 1 | 15 | 15 | 15 | 26 | 29 | 28 | |
| 143 | 174 | 4,485 | 5,029 | 7,544 | 9,165 | 8,295 | 8,649 | 7,335 | 6,908 | |
| Cash & Bank | 1 | 1 | 0 | 4 | 9 | 1 | 9 | 3 | 1 | 1 |
| 1 | 1 | 1 | 1 | 5 | 13 | 42 | 64 | 93 | 29 | |
| Total Assets | 146 | 177 | 4,487 | 5,035 | 7,572 | 9,193 | 8,361 | 8,742 | 7,458 | 6,965 |
| Total Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Working Capital | 1 | 1 | 1 | 4 | 6 | -9 | 1 | -6 | -8 | 2 |
| Contingent Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book Value per Share | 7295.69 | 8850.12 | 178180.17 | 242310.48 | 354218.27 | 429382.74 | 389653.10 | 406241.59 | 318424.62 | 301137.23 |
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -1 | -1 | -1 | -1 | 10 | 43 | 25 | 54 | 66 | 50 | |
| Cash from Investing | 3 | 1 | 1 | 5 | -5 | -50 | -17 | -60 | -68 | -50 |
| Cash from Financing | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -1 |
| 1 | -0 | -0 | 3 | 5 | -8 | 9 | -6 | -2 | -0 | |
| Free Cash Flow | -1 | -1 | -1 | -1 | -4 | 42 | 24 | 44 | 62 | 50 |
| OCF / Net Profit | -0.05 | -0.03 | -0.02 | -0.02 | 0.19 | 0.66 | 0.52 | 0.48 | 0.66 | 0.65 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | -8 | 36 | 61 | 106 | 169 | 222 |
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 (₹) | 1209.34 | 1572.49 | 1877.34 | 2729.56 | 2744.33 | 3240.28 | 2442.41 | 5661.44 | 5048.57 | 3811.40 |
| Book Value (₹) | 7295.69 | 8850.12 | 178180.17 | 242310.48 | 354218.27 | 429382.74 | 389653.10 | 406241.59 | 318424.62 | 301137.23 |
| Dividend per Share (₹) | 15.00 | 15.00 | 15.00 | 15.00 | 15.00 | 15.00 | 25.00 | 25.00 | 25.00 | 25.00 |
| Cash EPS (₹) | 1219.78 | 1581.20 | 1886.05 | 2738.26 | 2753.03 | 3260.32 | 2464.87 | 5689.46 | 5087.91 | 3851.07 |
| PROFITABILITY | ||||||||||
| Operating Margin % | 30907.54% | 32231.44% | 96.33% | 96.79% | 98.93% | 97.20% | 92.95% | 98.83% | 96.98% | 95.78% |
| Net Margin % | 0.00% | 0.00% | 88.26% | 97.84% | 75.21% | 73.70% | 65.58% | 74.97% | 72.94% | 81.48% |
| ROE % | 18.05% | 19.48% | 2.01% | 1.30% | 0.92% | 0.83% | 0.60% | 1.42% | 1.39% | 1.23% |
| ROCE % | 18.51% | 19.58% | 2.18% | 1.28% | 1.21% | 1.09% | 0.84% | 1.87% | 1.87% | 1.45% |
| 18.01% | 19.43% | 1.61% | 1.15% | 0.87% | 0.77% | 0.56% | 1.32% | 1.25% | 1.06% | |
| EFFICIENCY | ||||||||||
| Debtor Days | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | |
| FINANCIAL HEALTH | ||||||||||
| Debt to Equity (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x |
| Interest Coverage (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x |
| 3.42x | 2.85x | 2.09x | 7.35x | 1.79x | 0.60x | 1.03x | 0.92x | 0.92x | 1.07x | |
| GROWTH | ||||||||||
| Revenue Growth % | -68.98% | 21.88% | 0.00% | 31.16% | 30.79% | 20.49% | -15.29% | 102.76% | -8.34% | -32.41% |
| Operating Profit Growth % | 21.15% | 27.10% | 28.95% | 31.79% | 33.68% | 18.38% | -18.99% | 116.31% | -8.88% | -33.40% |
| Net Profit Growth % | 19.38% | 30.03% | 19.39% | 45.40% | 0.54% | 18.07% | -24.62% | 131.80% | -10.83% | -24.51% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 131.80% | -10.83% | -24.51% | |
| VALUATION | ||||||||||
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 26.27x | 23.07x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.42x | 0.29x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.03% |
| 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | -0.02x | 19.43x | 19.34x |
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
No announcements filed.
News
Recent coverage and analyst commentary for ELCIDIN
Loading news…
🤖
AI Stock Analyst
Elcid Investments Ltd.
🔒
Sign in to Chat with AI
Log in with your 5nance account to ask institutional questions about performance, financials, and outlook.
✨ Sign In to ChatFree 5nance Account