Prudent Corporate Advisory Services Ltd.

•

prudentcorporate.com / www.fundzbazar.comBSE: 543527NSE: PRUDENT

Market Cap₹ 14,083 Cr.

Current Price

High / Low₹ 4,106 / 2,121

Stock P/E57.5

Book Value₹ 230

Price to Book10.24

Dividend Yield0.10 %

ROCE39.0 %

ROE28.7 %

Face Value₹ 5

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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 37.4% CAGR over last 5 years
Company has a healthy return on capital (ROCE) of 43.4%
Solid return on assets for a lender - ROA of 23.6%
Company has a good return on equity (ROE) track record: 3 Years ROE 32.0%
Asset quality is healthy - gross NPA of just 0.0%

CONS

Capital adequacy is tight at 0.0% - limited headroom to grow
Promoter holding has decreased over last 2 years: -3.1pp
Stock is trading at 10.2x its book value
Operating margins have contracted to 23.6% from 29.9%
Thin net interest margin of 0.0%

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

Peer comparison

Financial ServicesFinanceFinance - Others

Part ofNIFTY MICROCAP250 NIFTY TOTAL MKT

S.No.	Name
1.	BSE	3384.00	48.75	138027.97	0.30	872.66	62.15	1566.02	63.40	49.47	68.04
2.	MFSL	1478.50	464.33	51025.22	0.00	118.29	36.83	14969.51	7840.54	4.32	1.11
3.	ANANDRATHI	2210.40	78.92	36701.76	0.29	1630.08	1635.79	3219.85	1075.04	64.48	33.74
4.	PRUDENT	3401.10	57.47	14082.83	0.10	74.76	44.38	347.63	18.34	39.05	25.62
5.	CENTRUM	22.48	7.99	1094.39	0.00	-148.80	-39.11	911.98	17.53	9.28	26.49

Detailed Comparison with:

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
	165	190	210	240	249	286	285	283	294	320	343	361	348
	126	147	160	179	190	217	219	214	226	248	265	268	268
Operating Profit	39	43	50	61	59	69	66	69	67	72	78	93	89
OPM %	23.68%	22.71%	23.82%	25.37%	23.64%	24.04%	23.13%	24.29%	22.90%	22.57%	22.67%	25.79%	25.62%
Other Income	5	4	5	6	7	8	7	8	10	8	10	-5	21
Interest	0	0	0	1	0	1	1	1	1	1	2	2	2
Depreciation	6	6	6	6	6	7	7	7	7	8	8	8	8
	38	41	48	60	59	69	64	69	70	72	78	79	100
Tax %	25.39%	25.06%	25.41%	25.44%	25.33%	25.67%	25.29%	25.12%	25.59%	25.58%	25.74%	25.01%	25.41%
Net Profit	0	0	0	0	44	52	48	52	52	54	58	59	75
	7	7	9	11	11	12	12	12	12	13	14	14	2

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	222	235	287	451	611	805	1,104	1,317	1,371
	185	188	225	336	438	612	841	1,007	1,049
Operating Profit	37	47	62	115	173	193	262	310	322
OPM %	16.77%	19.87%	21.57%	25.55%	28.35%	23.99%	23.78%	23.55%	23.51%
	2	1	8	8	10	20	30	23	34
Interest	3	3	2	3	2	2	2	5	6
Depreciation	8	8	8	13	24	25	28	31	32
Profit before Tax	29	37	61	107	157	186	262	298	329
Tax %	26.64%	25.59%	25.16%	24.99%	25.59%	25.34%	25.35%	25.47%	25.43%
Net Profit	21	28	45	80	117	139	196	222	245
EPS	5.08	6.73	10.94	19.42	28.18	33.51	47.25	53.63	—
Dividend Payout %	21.65%	0.93%	0.68%	5.15%	5.32%	5.97%	5.29%	6.53%	—

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: 36%
3 Years:: 29%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: 37%
3 Years:: 24%

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: 45%
1 Year:: 19%

RETURN ON EQUITY

10 Years:: —
5 Years:: 35%
3 Years:: 32%
Last Year:: 29%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	1	1	1	21	21	21	21	21
	82	111	157	217	329	461	647	859
	30	17	13	13	17	15	22	46
Trade Payables	70	52	94	121	117	187	169	198
	9	11	17	27	36	73	85	100
Total Liabilities	192	193	281	399	519	757	944	1,223
	24	27	26	174	164	153	162	257
Capital Work in Progress	0	0	0	0	0	0	0	1
	7	6	21	39	143	246	365	580
	1	4	13	10	8	13	17	22
	0	0	0	0	0	142	139	182
Cash & Bank	65	97	139	57	70	126	177	101
	93	58	82	117	134	76	83	80
Total Assets	192	193	281	399	519	757	944	1,223

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	26	61	72	118	151	150	161	217
Cash from Investing	12	-5	-28	-163	-106	-139	-142	-200
Cash from Financing	-9	-22	-11	-10	-12	-14	-18	-22
	16	23	19	-81	3	-4	0	-5

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	58.43	55.72	55.72	55.72	55.31	55.31	55.31	55.31	55.31
	12.91	14.62	14.77	17.63	17.47	16.85	16.32	14.89	14.28
	22.28	23.92	23.63	20.71	20.76	21.47	22.13	23.58	23.95
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	6.38	5.74	5.88	5.94	6.46	6.36	6.24	6.22	6.46

Documents

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

2026-08-01

Shareholders meeting

2026-08-01 - Prudent Corporate Advisory Services Limited has submitted the Exchange a details of Voting results of 23rd AGM.

2026-08-01

Shareholders meeting

2026-08-01 - Prudent Corporate Advisory Services Limited has submitted the Exchange a Details of Voting results of 22nd AGM.

2026-07-31

Analysts/Institutional Investor Meet/Con. Call Updates

2026-07-31 - Prudent Corporate Advisory Services Limited has informed the Exchange about Transcript of the conference call for unaudited financial results for the quarter ended June 30, 2026.

2026-07-31

Shareholders meeting

2026-07-31 - Prudent Corporate Advisory Services Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on July 31, 2026

2026-07-27

Copy of Newspaper Publication

2026-07-27 - Prudent Corporate Advisory Services Limited has informed the Exchange about Copy of Newspaper Publication

2026-07-27

Analysts/Institutional Investor Meet/Con. Call Updates

2026-07-27 - Prudent Corporate Advisory Services Limited has informed the Exchange about Link of Recording Q1FY2027 Results Conference call

2026-07-25

Press Release

2026-07-25 - Prudent Corporate Advisory Services Limited has informed the Exchange regarding a press release dated July 25, 2026, titled "Prudent Begins FY27 with Strong Business Momentum; PAT Up 44.4% YoY".

2026-07-25

Investor Presentation

2026-07-25 - Prudent Corporate Advisory Services Limited has informed the Exchange about Investor Presentation

2026-07-25

Outcome of Board Meeting

2026-07-25 - Prudent Corporate Advisory Services Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.

News

Recent coverage and analyst commentary for PRUDENT

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Prudent Corporate Advisory Services Ltd.

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Free 5nance Account

Name

BSE

3384.00

48.75

138027.97

0.30

872.66

62.15

1566.02

63.40

49.47

68.04

MFSL

1478.50

464.33

51025.22

0.00

118.29

36.83

14969.51

7840.54

4.32

1.11

ANANDRATHI

2210.40

78.92

36701.76

0.29

1630.08

1635.79

3219.85

1075.04

64.48

33.74

PRUDENT

3401.10

57.47

14082.83

0.10

74.76

44.38

347.63

18.34

39.05

25.62

CENTRUM

22.48

7.99

1094.39

0.00

-148.80

-39.11

911.98

17.53

9.28

26.49

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

165

190

210

240

249

286

285

283

294

320

343

361

348

126

147

160

179

190

217

219

214

226

248

265

268

Operating Profit

OPM %

23.68%

22.71%

23.82%

25.37%

23.64%

24.04%

23.13%

24.29%

22.90%

22.57%

22.67%

25.79%

25.62%

Other Income

-5

Interest

Depreciation

100

Tax %

25.39%

25.06%

25.41%

25.44%

25.33%

25.67%

25.29%

25.12%

25.59%

25.58%

25.74%

25.01%

25.41%

Net Profit

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

222

235

287

451

611

805

1,104

1,317

1,371

185

188

225

336

438

612

841

1,007

1,049

Operating Profit

115

173

193

262

310

322

OPM %

16.77%

19.87%

21.57%

25.55%

28.35%

23.99%

23.78%

23.55%

23.51%

Interest

Depreciation

Profit before Tax

107

157

186

262

298

329

Tax %

26.64%

25.59%

25.16%

24.99%

25.59%

25.34%

25.35%

25.47%

25.43%

Net Profit

117

139

196

222

245

EPS

5.08

6.73

10.94

19.42

28.18

33.51

47.25

53.63

—

Dividend Payout %

21.65%

0.93%

0.68%

5.15%

5.32%

5.97%

5.29%

6.53%

—

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Equity Capital

111

157

217

329

461

647

859

Trade Payables

121

117

187

169

198

100

Total Liabilities

192

193

281

399

519

757

944

1,223

174

164

153

162

257

Capital Work in Progress

143

246

365

580

142

139

182

Cash & Bank

139

126

177

101

117

134

Total Assets

192

193

281

399

519

757

944

1,223

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

118

151

150

161

217

Cash from Investing

-5

-28

-163

-106

-139

-142

-200

Cash from Financing

-9

-22

-11

-10

-12

-14

-18

-22

-81

-4

-5

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

58.43

55.72

55.31

12.91

14.62

14.77

17.63

17.47

16.85

16.32

14.89

14.28

22.28

23.92

23.63

20.71

20.76

21.47

22.13

23.58

23.95

Government

0.00

6.38

5.74

5.88

5.94

6.46

6.36

6.24

6.22

6.46

Prudent Corporate Advisory Services 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

Prudent Corporate Advisory Services 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