Prudent Corporate Advisory Services Ltd.

•

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

Market Cap₹ 13,735 Cr.

Current Price

High / Low₹ 4,106 / 2,121

Stock P/E58.1

Book Value₹ 193

Price to Book12.32

Dividend Yield0.11 %

ROCE46.8 %

ROE34.5 %

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 47.3% CAGR over last 5 years
Company has a healthy return on capital (ROCE) of 46.5%
Solid return on assets for a lender - ROA of 23.6%
Company has a good return on equity (ROE) track record: 3 Years ROE 34.4%
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 12.3x its book value
Thin net interest margin of 0.0%
Though reporting repeated profits, the company pays out little dividend (6.7%)

* 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	3306.00	47.62	134846.48	0.30	872.66	62.15	1566.02	63.40	49.47	68.04
2.	MFSL	1474.30	463.01	50880.27	0.00	118.29	36.83	14969.51	7840.54	4.32	1.11
3.	ANANDRATHI	2204.65	78.72	36606.29	0.29	1630.08	1635.79	3219.85	1075.04	64.48	33.74
4.	PRUDENT	3317.10	56.05	13735.01	0.11	74.76	44.38	347.63	18.34	39.05	25.62
5.	CENTRUM	21.87	7.78	1064.70	0.00	-148.80	-39.11	911.98	17.53	9.28	26.49

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
	149	165	180	200	223	252	256	243	275	307	333	347	340
	115	128	140	152	172	193	200	192	210	237	256	258	261
Operating Profit	34	36	40	48	51	58	56	50	65	70	76	90	88
OPM %	23.02%	22.11%	22.39%	23.82%	22.90%	23.20%	22.01%	20.80%	23.59%	22.79%	22.88%	25.81%	25.85%
Other Income	3	3	3	4	5	6	4	6	8	6	7	1	13
Interest	0	0	0	1	0	0	0	1	1	1	2	2	2
Depreciation	6	6	6	6	6	6	7	7	7	7	7	7	7
	32	33	37	45	50	58	53	49	66	69	74	82	92
Tax %	25.30%	24.89%	25.37%	25.35%	25.23%	25.74%	25.17%	25.88%	25.43%	25.48%	25.55%	25.31%	25.37%
Net Profit	24	25	28	34	37	43	40	36	49	51	55	61	69
	6	6	7	8	9	10	10	9	12	12	13	15	2

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	201	198	199	240	391	541	694	974	1,262	1,327
	167	166	163	199	305	417	535	757	962	1,012
Operating Profit	34	32	36	42	85	124	159	216	301	315
OPM %	17.09%	16.31%	17.87%	17.29%	21.84%	22.96%	22.87%	22.22%	23.82%	23.71%
	4	6	1	8	7	7	14	21	22	28
Interest	0	0	1	1	2	2	2	2	4	5
Depreciation	1	4	6	7	12	22	23	25	28	29
Profit before Tax	38	34	30	42	78	107	148	210	291	317
Tax %	32.32%	25.19%	26.22%	25.60%	24.98%	25.54%	25.23%	25.50%	25.44%	25.42%
Net Profit	26	26	22	31	59	80	110	157	217	236
EPS	247.00	249.00	211.04	7.54	14.18	19.23	26.69	37.82	52.31	—
Dividend Payout %	0.81%	17.66%	1.18%	0.99%	7.06%	7.80%	7.49%	6.61%	6.69%	—

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: 39%
3 Years:: 33%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: 47%
3 Years:: 40%

STOCK PRICE CAGR

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

RETURN ON EQUITY

10 Years:: —
5 Years:: 34%
3 Years:: 34%
Last Year:: 34%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	1	1	1	1	21	21	21	21	21
	64	85	106	137	176	254	357	504	710
	1	0	8	8	10	13	11	17	41
Trade Payables	30	19	20	30	45	109	172	159	196
	23	17	9	23	20	30	60	70	93
Total Liabilities	119	123	144	199	271	426	620	772	1,062
	9	16	24	23	169	159	148	154	250
Capital Work in Progress	8	0	0	0	0	0	0	0	1
	37	27	28	40	23	85	147	225	437
	1	1	4	13	10	8	13	17	22
	0	0	0	0	0	0	126	127	177
Cash & Bank	23	46	65	74	11	64	122	173	100
	42	32	23	50	57	111	64	76	73
Total Assets	119	123	144	199	271	426	620	772	1,062

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	40	24	34	30	90	113	115	124	216
Cash from Investing	-10	15	-3	-6	-129	-85	-103	-109	-198
Cash from Financing	-1	-5	-4	-5	-6	-10	-12	-16	-20
	17	24	18	9	-63	-2	-1	-0	-2

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2018	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

3306.00

47.62

134846.48

0.30

872.66

62.15

1566.02

63.40

49.47

68.04

MFSL

1474.30

463.01

50880.27

0.00

118.29

36.83

14969.51

7840.54

4.32

1.11

ANANDRATHI

2204.65

78.72

36606.29

0.29

1630.08

1635.79

3219.85

1075.04

64.48

33.74

PRUDENT

3317.10

56.05

13735.01

0.11

74.76

44.38

347.63

18.34

39.05

25.62

CENTRUM

21.87

7.78

1064.70

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

149

165

180

200

223

252

256

243

275

307

333

347

340

115

128

140

152

172

193

200

192

210

237

256

258

261

Operating Profit

OPM %

23.02%

22.11%

22.39%

23.82%

22.90%

23.20%

22.01%

20.80%

23.59%

22.79%

22.88%

25.81%

25.85%

Other Income

Interest

Depreciation

Tax %

25.30%

24.89%

25.37%

25.35%

25.23%

25.74%

25.17%

25.88%

25.43%

25.48%

25.55%

25.31%

25.37%

Net Profit

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

201

198

199

240

391

541

694

974

1,262

1,327

167

166

163

199

305

417

535

757

962

1,012

Operating Profit

124

159

216

301

315

OPM %

17.09%

16.31%

17.87%

17.29%

21.84%

22.96%

22.87%

22.22%

23.82%

23.71%

Interest

Depreciation

Profit before Tax

107

148

210

291

317

Tax %

32.32%

25.19%

26.22%

25.60%

24.98%

25.54%

25.23%

25.50%

25.44%

25.42%

Net Profit

110

157

217

236

EPS

247.00

249.00

211.04

7.54

14.18

19.23

26.69

37.82

52.31

—

Dividend Payout %

0.81%

17.66%

1.18%

0.99%

7.06%

7.80%

7.49%

6.61%

6.69%

—

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Equity Capital

106

137

176

254

357

504

710

Trade Payables

109

172

159

196

Total Liabilities

119

123

144

199

271

426

620

772

1,062

169

159

148

154

250

Capital Work in Progress

147

225

437

126

127

177

Cash & Bank

122

173

100

111

Total Assets

119

123

144

199

271

426

620

772

1,062

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

113

115

124

216

Cash from Investing

-10

-3

-6

-129

-85

-103

-109

-198

Cash from Financing

-1

-5

-4

-5

-6

-10

-12

-16

-20

-63

-2

-1

-0

-2

Mar 2018

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