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    Finance/Rental/Leasing
Ceejay Finance Limited

Ceejay Finance Limited

BBSE:CEEJAY
145.00
INR
-22.85
(-13.61%)
23.12EPS
7.49P/E
597.54MMarket Cap
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
32.2
33.55
35.58
41.35
47.5
42.79
50.15
46.35
51.7
57.15
59.82
76.12
76.84
76.08
Basic EPS, GAAP
10.8
10.8
10.88
13.55
16.12
13.99
13.97
12.96
14.41
19.84
19.05
19.71
22.37
23.12
Free Cash Flow per Basic Share
2.55
-3.55
10.09
-23.62
4.22
10.74
-2.96
40.9
-14.84
-13.32
-15.73
-39.48
11.67
- -
Dividend per Share
1.64
1.66
1.55
1.76
1.75
2.95
1.81
1.02
1.02
1
1.2
1.2
1.2
- -
Book Value per Share
68.27
77.31
86.33
99.88
115.78
126.34
138.67
151.02
164.62
183.51
201.51
219.81
240.72
- -
Tangible Book Value per Share
68.21
77.17
86.19
99.71
115.6
126.22
138.58
150.95
164.41
183.39
201.45
219.71
240.65
- -
Basic Weighted Avg Shares
3
3
3
3
3
3
3
3
3
3
3
3
3
3
Sales/Revenue/Turnover
111
116
123
143
164
148
173
160
178
197
206
263
265
263
Operating Margin (%)
69.28
68.91
47.16
52.28
51.14
50.64
46.09
48.86
50.91
45
43.54
48.09
46.03
41.94
Depreciation Expense
1
1
1
2
1
1
1
2
2
2
3
4
4
4
Net Income, GAAP
37
37
38
47
56
48
48
45
50
68
66
68
77
80
Effective Tax Rate (%)
32.28
32.39
33.44
33.12
28.49
27.59
24.4
25.93
28.39
22.6
26.01
26.94
25.08
23.9
Profit Margin (%)
33.53
32.19
30.57
32.76
33.93
32.69
27.86
27.95
27.88
34.72
31.84
25.89
29.11
30.39
Working Capital
131
149
150
131
384
418
453
497
548
612
639
676
761
- -
LT Debt
- -
- -
- -
- -
- -
- -
- -
184
241
284
331
468
435
- -
Total Equity
236
267
298
345
399
436
478
521
568
633
695
758
830
- -
Return on Invested Capital (%)
8.96
8.25
7.87
8.97
8.93
7.26
6.75
5.49
5.2
6.14
5.26
4.54
4.6
- -
Return on Capital (%)
12.24
11.37
10.55
8.59
8.58
6.94
6.51
5.37
5.13
6.08
5.15
4.47
4.55
- -
Return on Common Equity (%)
16.95
14.84
13.29
14.55
14.95
11.55
10.54
8.95
9.13
11.4
9.9
9.36
9.71
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
435
- -
LT Borrowings
- -
435
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3
3
3
Market Capitalization
602
621
598

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
1,226
- -
Cash, Cash Equivalents & STI
- -
16
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
466
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
435
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.83%
9.78%
9.51%
Free Cash Flow
-201.23%
-21.41%
-129.57%
Net Income, GAAP
8.48%
12.37%
13.49%
Sales/Revenue/Turnover
8.57%
10.99%
0.94%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
54
63
71
75
263
2026
64
67
67
68
265
2027
61
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
5.2
6.58
3.31
4.61
19.71
2026
5.06
6.31
4.88
6.11
22.37
2027
5.82
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
1.2
2026
- -
- -
- -
- -
1.2
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Deepakbhai Ramanbhai Patel
Full Time Employees
72
Sector
Finance
Industry
Finance/Rental/Leasing
Address
815-816, ICONIC SHYAMAL Ahmedabad GJ India 380015
IPO Date
May 22, 1995
Website
ceejayfinance.com
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Business
Ceejay Finance Limited is an integrated finance company primarily engaged in asset financing and retail lending services in India. The company offers a diverse portfolio of financial products including customized and flexible loans for new and used two-wheelers, three-wheelers, four-wheelers, commercial vehicles such as trucks and buses, loan against property, personal loans, SME business loans, microfinance loans, and insurance services. Ceejay Finance operates primarily through its network of branches and dealer partnerships across Gujarat and Maharashtra. Founded in 1993 and headquartered in Ahmedabad, Gujarat, the company is registered as a non-banking financial company (NBFC) with the Reserve Bank of India. Ceejay Finance has transitioned from earlier manufacturing activities in flexible packaging to focus exclusively on hire purchase, leasing, and financing. Recent major developments include the appointment of independent directors, continued expansion and adaptation of financial products, and enhanced focus on faster processing and disbursement of loans. The company has maintained a healthy capital adequacy ratio supported by funding from its parent Ceejay Group, which has diversified interests in tobacco, real estate, and food and beverages. Ceejay Finance continues to innovate in vehicle refinancing offerings and broaden its financial services with a stable presence in regional markets and strategic operational improvements within the last two years.