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Ceejay Finance Limited

Ceejay Finance Limited

BBSE:CEEJAY
150.60
INR
+5.60
(+3.86%)
23.12EPS
7.49P/E
597.54MMarket Cap
Ceejay Finance Limited
BSE:CEEJAY
(Bombay Stock Exchange)

Recent

price

150.60

P/E

ratio

7.49

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
INR
20.73
29.7
30.42
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
Revenue per Share
5.48
8.31
10.92
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
Basic EPS, GAAP
-6.73
-6.66
5.96
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
- -
Free Cash Flow per Basic Share
1.33
1.33
1.37
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
- -
Dividend per Share
42.91
49.83
59.11
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
- -
Book Value per Share
42.91
49.79
59.07
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
- -
Tangible Book Value per Share
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
Basic Weighted Avg Shares
72
102
105
111
116
123
143
164
148
173
160
178
197
206
263
265
263
Sales/Revenue/Turnover
66.06
66.72
72.8
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
Operating Margin (%)
1
1
1
1
1
1
2
1
1
1
2
2
2
3
4
4
4
Depreciation Expense
19
29
38
37
37
38
47
56
48
48
45
50
68
66
68
77
80
Net Income, GAAP
32.04
34.26
31.04
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
Effective Tax Rate (%)
26.42
27.99
35.89
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
Profit Margin (%)
57
61
100
131
149
150
131
384
418
453
497
548
612
639
676
761
- -
Working Capital
9
4
1
- -
- -
- -
- -
- -
- -
- -
184
241
284
331
468
435
- -
LT Debt
148
172
204
236
267
298
345
399
436
478
521
568
633
695
758
830
- -
Total Equity
5.79
7.95
9.75
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 Invested Capital (%)
5.79
7.97
9.75
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 Capital (%)
13.4
17.93
20.04
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
- -
Return on Common Equity (%)

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
- -
- -
- -
- -
- -
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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.