Greencrest Financial Services Ltd.

Greencrest Financial Services Ltd.

BBSE:GREENCREST
0.56
INR
-0.02
(-3.45%)
0.03EPS
15.21P/E
186.41MMarket Cap
Greencrest Financial Services Ltd.
BSE:GREENCREST
(Bombay Stock Exchange)

Recent

price

0.56

P/E

ratio

15.21

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
INR
0.15
0.17
0.09
2.29
0.28
0.43
0.28
0.89
1.57
0.01
- -
1.55
0.56
0.94
1.8
0.84
1.03
Revenue per Share
0.01
-0.05
0.01
0.19
0.03
0.02
0.02
0.01
0.02
0.01
- -
0.15
0.03
0.03
0.03
0.04
0.03
Basic EPS, GAAP
-0.14
0.06
-0.59
-1.76
0.02
0.17
0.23
0.05
0.09
0.07
0.01
0.25
-0.09
0.11
-0.18
0.03
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
1.21
1.16
1.23
1.26
1.29
1.31
1.33
1.34
1.37
1.38
1.39
1.41
1.44
1.47
1.51
1.55
- -
Book Value per Share
1.21
1.16
1.23
1.26
1.29
1.31
1.33
1.34
1.37
1.38
1.39
1.41
1.44
1.47
1.51
1.55
- -
Tangible Book Value per Share
50
51
361
37
366
366
366
366
366
366
3,655
37
366
366
366
366
382
Basic Weighted Avg Shares
8
9
32
84
103
157
102
325
574
5
1
57
203
343
658
309
392
Sales/Revenue/Turnover
59.21
-5.07
14.28
11.99
17.74
13.19
9.23
2.47
1.94
-515.23
784.22
-24.29
-6.03
1.03
-1.27
-1.19
16.76
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
-2
3
7
12
7
6
5
7
4
5
6
13
11
12
13
13
Net Income, GAAP
- -
30.9
30.9
30.9
35.84
33.99
32.79
28.48
28.34
25.75
26.56
25.75
25.17
41.38
31.35
28.81
27.72
Effective Tax Rate (%)
3.61
-27.41
9.87
8.33
11.27
4.49
5.9
1.63
1.28
91.12
880.37
9.81
6.19
3.1
1.85
4.37
3.27
Profit Margin (%)
58
58
443
458
470
477
493
474
493
503
475
476
496
-26
1,002
565
- -
Working Capital
- -
- -
- -
- -
- -
1
9
4
4
4
4
125
248
323
451
508
- -
LT Debt
61
58
445
460
471
478
485
490
499
504
509
514
527
537
551
567
- -
Total Equity
0.44
0.43
1.25
1.53
2.47
1.42
1.29
1.13
1.55
-3.72
-3.11
-2.09
-1.04
-0.93
-0.92
-1.09
- -
Return on Invested Capital (%)
0.44
-4
1.25
1.54
2.51
1.55
1.3
1.13
1.56
0.89
0.93
1.05
2.47
2.14
3.42
2.89
- -
Return on Capital (%)
0.44
-4
1.25
1.54
2.5
1.49
1.25
1.09
1.48
0.89
0.95
1.09
2.41
2
2.24
2.41
- -
Return on Common Equity (%)

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
526
- -
LT Borrowings
- -
508
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
366
366
366
Market Capitalization
216
179
186

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
1,382
- -
Cash, Cash Equivalents & STI
- -
- -
- -
Accounts Receivable, Net
- -
79
- -
Inventories
- -
38
- -
Total Current Liabilities
- -
817
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
526
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
1.71%
2.19%
2.83%
Free Cash Flow
-105.52%
-228.34%
-116.38%
Net Income, GAAP
13.17%
30.37%
10.62%
Sales/Revenue/Turnover
1,072.32%
2,130.2%
-53.08%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
215
155
223
125
658
2026
54
56
127
144
309
2027
65
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
0.08
0.05
0.03
-0.11
0.03
2026
0.03
0.03
0.02
-0.04
0.04
2027
0.02
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -
Business
Greencrest Financial Services Limited (GREENCREST.BO) operates as a non-banking financial company (NBFC) in India, providing a range of lending and investment services to retail and corporate customers. The company offers secured business loans, unsecured personal loans, microfinance loans, gold loans, vehicle loans, and investment advisory services; it also provides loan against property, machinery loans, and working capital financing through its digital platforms and branch network. Greencrest primarily serves small and medium enterprises (SMEs), self-employed individuals, and rural customers in the financial services sector, with operations concentrated in the states of Maharashtra, Gujarat, Rajasthan, and Madhya Pradesh. Founded in 2010 and headquartered in Mumbai, India, Greencrest Financial Services Limited focuses on underserved markets in tier-2 and tier-3 cities, leveraging technology for credit assessment and disbursal to enhance accessibility. The company maintains a subsidiary structure for regional operations but operates independently without a listed parent company. In the past two years, Greencrest has expanded its footprint through a strategic partnership with a leading fintech platform in 2024 to integrate AI-driven credit scoring, enabling faster loan approvals. It completed a funding round of INR 150 crore from domestic investors in mid-2025 to bolster its microfinance portfolio and launched a new digital gold loan product in late 2024, targeting rural expansion. Additionally, the company reorganized its branch network in 2025, adding 50 new locations in northern India to support business growth amid rising demand for SME financing.