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    Finance/Rental/Leasing
Kreon Finnancial Services Limited

Kreon Finnancial Services Limited

BBSE:KREONFIN
93.71
INR
+0.96
(+1.04%)
3.91EPS
17.37P/E
1.37BMarket 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
0.68
1.22
0.74
0.59
0.72
0.8
1.02
1.7
3.61
8.68
8.52
11.54
19.13
19.36
Basic EPS, GAAP
0.06
-0.14
0.01
-0.23
-3.71
0.22
-4.27
-0.48
1.98
4.22
0.34
-2.05
3.59
3.91
Free Cash Flow per Basic Share
-2.01
-0.19
0.01
0.25
-3.52
0.15
-4.59
0.78
-4.72
-6.26
-1.07
-0.41
-4.3
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
12.39
12.25
10.29
10.05
6.34
6.26
1.86
1.92
12.62
15.28
16.26
15.31
17.84
- -
Tangible Book Value per Share
12.39
12.25
10.29
10.05
6.34
6.26
1.86
1.59
11.2
14.05
15.59
14.65
17.29
- -
Basic Weighted Avg Shares
12
10
10
10
10
10
10
10
11
11
19
20
20
20
Sales/Revenue/Turnover
8
13
7
6
7
8
10
17
38
94
158
233
387
391
Operating Margin (%)
8.93
-11.49
10.12
-48.92
38.56
-337.95
-305.53
-30.79
47.32
44.7
45.76
28.18
43.54
48.31
Depreciation Expense
- -
- -
- -
- -
1
1
1
1
- -
5
7
8
7
8
Net Income, GAAP
1
-1
- -
-2
-37
2
-43
-5
21
46
6
-41
73
79
Effective Tax Rate (%)
- -
- -
- -
- -
- -
15.81
- -
- -
- -
- -
35.26
- -
26.77
24.52
Profit Margin (%)
8.86
-11.49
1.92
-39.05
-517.88
28.03
-416.86
-28.13
54.98
48.59
3.94
-17.75
18.77
20.18
Working Capital
8
4
3
2
-14
54
17
16
120
179
306
560
249
- -
LT Debt
- -
- -
13
10
10
10
- -
75
- -
13
12
328
10
- -
Total Equity
125
123
103
101
64
63
19
19
134
208
329
310
361
- -
Return on Invested Capital (%)
0.56
- -
0.15
- -
- -
2.5
- -
- -
- -
- -
0.74
- -
8.27
- -
Return on Capital (%)
0.56
- -
0.41
- -
- -
2.55
- -
- -
- -
- -
1.52
- -
8.7
- -
Return on Common Equity (%)
0.56
-1.17
0.13
-2.27
-45.26
3.56
-105.17
-25.34
27.48
26.8
2.32
-12.98
21.66
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
361
- -
LT Borrowings
- -
361
- -
LT Finance Leases
- -
10
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
20
20
20
Market Capitalization
667
498
1,372

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
640
- -
Cash, Cash Equivalents & STI
- -
128
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
391
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
361
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
60.93%
143.42%
16.59%
Free Cash Flow
-109.69%
21.95%
941.77%
Net Income, GAAP
-396.85%
-308.77%
-275.27%
Sales/Revenue/Turnover
55.81%
90.16%
65.8%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
44
46
59
65
233
2026
83
91
92
94
387
2027
114
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
0.1
0.08
-1.84
-0.39
-2.05
2026
1.87
1.01
0.53
0.18
3.59
2027
2.18
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

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

Company Description

Company Profile APIChatGPT
CEO
Jaijash Tatia
Full Time Employees
142
Sector
Finance
Industry
Finance/Rental/Leasing
Address
No 26, 22nd Street, Rathinam Nagar Chennai TN India 600041
IPO Date
Apr 12, 1995
Website
kreon.in
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Business
Kreon Finnancial Services Limited (KREONFIN.BO) is an India-based non-banking financial company (NBFC) that provides retail and commercial lending services through digital platforms and traditional financing channels. The company offers core products and services including StuCred, a mobile application delivering instant short-term loans to college students via a "2-1-0" model featuring two-minute applications, one-second approvals, and zero manual intervention; commercial money lending for business purposes; big data-driven credit scoring and risk assessment; facial recognition-based user verification; intelligent risk control systems with real-time monitoring; and emerging blockchain-enabled lending solutions that prioritize asset collateral over credit history. It operates in the commercial lending and digital lending segments, targeting underserved consumers, small businesses, and the student community with a focus on financial inclusion across India. Founded in 1994 and headquartered in Chennai, Tamil Nadu, the company, formerly known as Tatia Finnancial Services Limited, changed its name in 2008 and has since transformed from a conventional lender into a technology-driven fintech leveraging big data, cloud computing, and biometric verification. Kreon Finnancial maintains operations primarily in India, with a listed presence on the Bombay Stock Exchange, and emphasizes RBI-regulated compliance in its expansion efforts. In recent developments, the company partnered with HDFC Credila during fiscal year 2021-22 to enhance student lending initiatives, aligning with its mission to empower the student community through accessible credit. It continues to innovate with StuCred expansions aiming to disburse over US$20 million in loans to more than one million college students, while deploying advanced risk controls achieving delinquency rates below industry standards. No major acquisitions, funding rounds, or reorganizations have been reported in the last 1-2 years, with focus remaining on digital ecosystem growth and partnerships in payments, risk software, and educational institutions.