Prudent Corporate Advisory Services Ltd.
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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.
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
| 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 |
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 | |
|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-08-01 - Prudent Corporate Advisory Services Limited has submitted the Exchange a details of Voting results of 23rd AGM.
2026-08-01 - Prudent Corporate Advisory Services Limited has submitted the Exchange a Details of Voting results of 22nd AGM.
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 - Prudent Corporate Advisory Services Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on July 31, 2026
2026-07-27 - Prudent Corporate Advisory Services Limited has informed the Exchange about Copy of Newspaper Publication
2026-07-27 - Prudent Corporate Advisory Services Limited has informed the Exchange about Link of Recording Q1FY2027 Results Conference call
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 - Prudent Corporate Advisory Services Limited has informed the Exchange about Investor Presentation
2026-07-25 - Prudent Corporate Advisory Services Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
News
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