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Kreon Finnancial Services Limited

Kreon Finnancial Services Limited

KREONFIN.BO
Kreon Finnancial Services LimitedIN flagBombay Stock Exchange
80.00
INR
+0.30
- -
1.62BMarket Cap
Kreon Finnancial Services Limited
KREONFIN.BO
(Bombay Stock Exchange)

Recent

price

80.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
2.85
36.23
12.68
0.68
1.22
0.74
0.59
0.72
0.8
1.02
1.7
3.61
8.68
8.52
10.61
- -
17.83
Revenue per Share
0.07
0.6
0.17
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
Basic EPS, GAAP
-6.21
- -
-1.92
-2.01
-0.19
0.01
0.25
-3.52
0.15
-4.59
0.78
-4.72
-6.26
-1.07
-0.41
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
10.67
7.76
9.23
8.22
9.12
7.38
7.12
3.44
3.67
-0.61
-1.08
1.35
7.2
8.03
6.9
- -
10.02
Book Value per Share
17.99
22.2
12.05
10.73
11.94
10.29
10
6.34
6.26
1.86
1.59
11.2
17.64
16.98
14.67
- -
17.32
Tangible Book Value per Share
4
5
10
12
10
10
10
10
10
10
10
11
11
19
20
- -
20
Basic Weighted Avg Shares
11
183
131
8
13
7
6
7
8
10
17
38
94
158
214
360
360
Sales/Revenue/Turnover
5.15
10.01
2.02
8.93
-11.49
10.12
-48.92
38.56
-337.95
-305.53
-30.79
47.32
44.7
45.76
30.09
46.4
46.38
Operating Margin (%)
- -
4
- -
- -
- -
- -
- -
1
1
1
1
- -
5
7
8
7
7
Depreciation Expense
- -
3
2
1
-1
- -
-2
-37
2
-43
-5
21
46
6
-41
73
73
Net Income, GAAP
24.71
21.37
- -
- -
- -
- -
- -
- -
15.81
- -
- -
- -
- -
35.26
- -
26.77
26.79
Effective Tax Rate (%)
2.46
1.66
1.34
8.86
-11.49
1.92
-39.05
-517.88
28.03
-416.86
-28.13
54.98
48.59
3.94
-19.32
20.16
20.15
Profit Margin (%)
48
97
24
8
4
3
2
-14
54
17
16
120
179
306
560
583
583
Working Capital
- -
24
- -
- -
- -
13
10
10
10
- -
75
- -
13
12
328
371
371
LT Debt
72
112
124
125
123
103
101
64
63
19
19
134
208
329
310
361
361
Total Equity
0.76
10.95
- -
0.57
- -
0.63
- -
- -
-24.04
- -
- -
- -
- -
10.06
- -
14.46
17.78
Return on Invested Capital (%)
0.66
0.13
- -
0.74
- -
0.54
- -
- -
3.59
- -
- -
- -
- -
2.28
- -
10.69
13.14
Return on Capital (%)
0.66
7.38
2.61
0.73
-1.52
0.17
-3.18
-70.05
6.31
- -
- -
- -
99.04
5.48
-28.7
42.49
35.86
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
279
- -
361
LT Finance Leases
11
- -
10
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
20
- -
20
Market Capitalization
737
667
497

Working Capital

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
Total Current Assets
528
- -
586
Cash, Cash Equivalents & STI
86
- -
92
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
3
- -
2
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

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
54.83%
88.2%
67.98%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
33
34
41
53
158
2025
44
46
59
65
214
2026
83
91
92
94
360

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.65
0.54
-0.73
- -
0.34
2025
0.1
0.08
-1.84
-0.39
-2.05
2026
1.87
1.01
0.53
0.18
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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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.