Crescentis Capital Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2019 • Capital Mkt Operation: 100.0%
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
- Promoters have been increasing their shareholding - up 5.6pp over 2 years
- Asset quality is healthy - gross NPA of just 0.3%
- Company has consistently been profitable over the last 5 years
- Company converts assets efficiently - asset turnover of 41.3x
CONS
- Company has a low return on capital employed of 1.9%
- Company has a low return on equity of 1.4% over last 3 years
- A large part of profit comes from other income (29.0% of PBT)
- Free cash flow has been persistently negative
- Though reporting repeated profits, the company pays out little dividend (0.0%)
- Company's return on assets is weak at 1.2%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJAJFINSV | 1958.00 | 30.92 | 313683.61 | 0.08 | 6296.67 | 18.15 | 42036.90 | 92.22 | 11.88 | 40.79 |
| AIIL | 519.30 | 21.02 | 44100.28 | 0.00 | 11082.20 | 1075.19 | 14695.40 | 1109.37 | 30.27 | 88.91 |
| CHOLAHLDNG | 1503.20 | 10.58 | 28226.71 | 0.09 | 1788.99 | 42.04 | 11113.57 | 42.92 | 10.52 | 57.53 |
| TVSHLTD | 13145.00 | 13.50 | 26595.10 | 0.65 | 1173.58 | 73.77 | 17076.18 | 40.01 | 19.39 | 16.25 |
| CGCL | 271.75 | 23.19 | 26146.53 | 0.07 | 353.38 | 102.04 | 1576.47 | 62.12 | 11.68 | 68.54 |
| MAHSCOOTER | 13642.20 | 55.98 | 15591.08 | 1.61 | 3.32 | -90.61 | 5.41 | -81.52 | 1.06 | 84.10 |
| JMFINANCIL | 134.50 | 12.38 | 12871.11 | 2.42 | 368.57 | -19.66 | 1200.53 | 9.69 | 11.91 | 58.30 |
| JSWHL | 11523.05 | 93.10 | 12790.15 | 0.00 | 24.54 | -92.74 | 34.58 | 14.97 | 0.58 | 92.45 |
| TSFINV | 406.05 | 18.52 | 9018.53 | 2.75 | 124.95 | -92.11 | 305.57 | 102.23 | 3.47 | 53.35 |
| RELIGARE | 251.85 | 158.05 | 8682.12 | 0.00 | -46.98 | -674.86 | 2353.40 | 1051.76 | 4.71 | -2.08 |
| KAMAHOLD | 2344.15 | 8.08 | 7522.51 | 1.77 | 584.02 | 10.80 | 4657.56 | 7.07 | 20.86 | 22.01 |
| SOMDUTTFIN | 99.55 | 958.86 | 169.37 | 0.00 | 78.18 | 2230.95 | 109.43 | 2110.26 | -4.86 | 89.29 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
No quarterly results found
We don't have this information yet. Please check back later.
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | |
|---|---|---|---|---|---|---|---|---|---|
| 486 | 383 | 334 | 350 | 346 | 596 | 653 | 758 | 592 | |
| 486 | 382 | 333 | 350 | 345 | 596 | 653 | 758 | 591 | |
| Operating Profit | 0 | 1 | 0 | 0 | 0 | -0 | -0 | -0 | 0 |
| OPM % | 0.04% | 0.18% | 0.05% | 0.00% | 0.04% | -0.01% | -0.00% | -0.00% | 0.03% |
| 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Tax % | -1.64% | 30.19% | 28.54% | 4.91% | 43.68% | -2.40% | 22.21% | 27.43% | 26.88% |
| Net Profit | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS | 0.00 | 0.53 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividend Payout % | 76.83% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- 11%
- 3 Years:
- 0%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- -15%
- 3 Years:
- -22%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- —
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- 2%
- 3 Years:
- 1%
- Last Year:
- 1%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 |
| 2 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 4 | |
| Trade Payables | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 |
| 2 | 2 | 2 | 2 | 1 | 1 | 1 | 0 | 0 | |
| Total Liabilities | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 14 | 14 |
| 5 | 5 | 5 | 4 | 4 | 2 | 1 | 1 | 1 | |
| 6 | 3 | 6 | 6 | 5 | 7 | 8 | 9 | 9 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Cash & Bank | 0 | 1 | 0 | 1 | 2 | 4 | 2 | 1 | 1 |
| 4 | 6 | 3 | 4 | 4 | 2 | 3 | 3 | 3 | |
| Total Assets | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 14 | 14 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | |
|---|---|---|---|---|---|---|---|---|---|
| -1 | 2 | -0 | -0 | 0 | 0 | -3 | -1 | -0 | |
| Cash from Investing | 1 | 0 | 0 | 1 | 0 | 2 | 1 | -0 | 0 |
| Cash from Financing | -0 | -1 | -0 | 0 | 0 | 0 | 0 | 0 | 0 |
| -0 | 1 | -0 | 1 | 0 | 2 | -1 | -1 | -0 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | |
|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | |||||||||
| EPS (₹) | 1.30 | 0.53 | 0.17 | 0.40 | 0.17 | 0.38 | 0.38 | 0.04 | 0.18 |
| Book Value (₹) | 12.19 | 12.73 | 12.90 | 13.30 | 13.48 | 13.85 | 14.23 | 14.01 | 14.19 |
| Dividend per Share (₹) | 1.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash EPS (₹) | 1.09 | 0.45 | 0.15 | 0.34 | 0.15 | 0.31 | 0.32 | 0.04 | 0.15 |
| PROFITABILITY | |||||||||
| Operating Margin % | 0.27% | 0.23% | 0.08% | 0.12% | 0.09% | 0.06% | 0.08% | 0.01% | 0.04% |
| Net Margin % | 0.27% | 0.14% | 0.05% | 0.12% | 0.05% | 0.06% | 0.06% | 0.01% | 0.03% |
| ROE % | 10.73% | 4.28% | 1.35% | 3.07% | 1.27% | 2.75% | 2.72% | 0.28% | 1.25% |
| ROCE % | 10.45% | 6.88% | 1.91% | 3.23% | 2.26% | 2.69% | 3.50% | 0.39% | 1.73% |
| 9.16% | 3.63% | 1.19% | 2.72% | 1.16% | 2.52% | 2.54% | 0.28% | 1.23% | |
| EFFICIENCY | |||||||||
| Debtor Days | 0 | 1 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |
| Inventory Days | 4 | 4 | 5 | 6 | 6 | 4 | 4 | 4 | 6 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 5 | 5 | 5 | 7 | 7 | 4 | 4 | 4 | 6 | |
| FINANCIAL HEALTH | |||||||||
| Debt to Equity (x) | 0.02x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x |
| Interest Coverage (x) | 5594.86x | 8.65x | 142.95x | 0.00x | 2057.38x | 4113.78x | 4039.41x | 230.25x | 88.04x |
| 3.19x | 4.32x | 4.22x | 5.40x | 7.85x | 8.18x | 21.50x | 223.67x | 170.04x | |
| GROWTH | |||||||||
| Revenue Growth % | -25.48% | -21.24% | -12.89% | 4.86% | -1.21% | 72.38% | 9.69% | 16.03% | -21.97% |
| Operating Profit Growth % | 81.86% | -32.32% | -70.78% | 68.63% | -27.16% | 17.31% | 33.01% | -88.28% | 326.31% |
| Net Profit Growth % | 175.37% | -58.98% | -67.51% | 132.16% | -57.68% | 120.70% | 1.54% | -89.52% | 340.73% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | |
| VALUATION | |||||||||
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x |
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
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News
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