Oracle Credit

Oracle Credit Ltd.

BSE: 539598 SECTOR: Finance - NBFC  7378   11   0

126.90
-2.50 (-1.93%)
BSE: 03 Feb 05:10 PM

Price Summary

Today's High

₹ 132.9

Today's Low

₹ 122.95

52 Week High

₹ 341

52 Week Low

₹ 0

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 88.04 Cr.

Advances

₹ 0 Cr.

No. of Shares

0.69 Cr.

P/E

80.84

P/B

6.39

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  19.85

Operating Revenue

₹ 0.41 Cr.

Net Profit

₹ 0.42 Cr.

Promoter Holding

46.12 %

EPS (TTM)

₹  1.57

Sales Growth

16.41

ROE

6.76 %

ROCE

9.17%

Profit Growth

159.76 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

Your Added Ratios

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year16.41%
3 Year14.72%
5 Year9.28%

Profit Growth

1 Year159.76%
3 Year58.17%
5 Year64.14%

ROE%

1 Year6.76%
3 Year3.89%
5 Year2.84%

ROCE %

1 Year9.17%
3 Year5.27%
5 Year3.87%

ROA%

6.62205170337165

PEG Ratio

0.51

PAT Margin (%)

102.316982992359

EPS Growth(%)

159.777700590483

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2022 46.12 0
Sep 2022 46.12 0
Jun 2022 46.12 0
Mar 2022 57.65 0
Dec 2021 62.42 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 56.4633244557736%.
  • Company has maintained a good ROA of 3.82890980483134% in last 3 years.

 Limitations

  • Company has a poor Return on Equity (ROE) track record of 3.89132376617159%.
  • Provision and contingencies have increased by 78.9855072463768%.
  • Promoter holding has decreased from 62.42% to 46.12%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022
Operating Revenue 0.3 0.12 0.79 0.25 0.96
Other Income 0 0.18 0 0.4 0
Interest Expended 0 0 0 0 0
Operating Expenses 0.05 0.1 0.24 0.18 0.16
Total Provisions 0 0 0 0 0
Depreciation 0 0 0 0 0.07
Profit Before Tax 0.25 0.2 0.55 0.47 0.74
Tax 0.07 0.05 0.14 0.12 0.19
Net Profit 0.18 0.15 0.41 0.35 0.55

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Operating Income 0.25 0.27 0.29 0.35 0.41
Other Income 0 0 0 0 0.38
Interest 0 0 0 0 0
Operating Expenses 0.19 0.13 0.12 0.09 0.14
Total Provisions 0 0 0 0.04 0.07
Exceptional Items 0 0 0 0 0
Profit Before Tax 0.06 0.14 0.17 0.21 0.56
Tax 0.02 0.04 0.04 0.05 0.15
Profit After Tax 0.04 0.1 0.13 0.16 0.42
Adjusted EPS (Rs.) 0.07 0.19 0.23 0.29 0.75

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Equity and Liabilities
Share Capital 5.55 5.55 5.55 5.55 5.55
Total Reserves 0 0.1 0.23 0.39 0.8
Borrowings 0 0 0 0 0
Other N/C liabilities 0 0 0 0 0
Current liabilities 0.07 0.06 0.05 0.1 0.15
Total Liabilities 5.61 5.71 5.82 6.03 6.51
Assets
Loans 0 0 0 0 0
Net Block 0 0 0 0 0
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 1.55 1.55 1.55 0.02 0.02
Other Loans 0.59 0.59 0.59 0.2 0.2
Other N/C Assets 0 0 0 0 0
Current Assets 3.47 3.57 3.69 5.81 6.28
Total Assets 5.61 5.71 5.82 6.03 6.51
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Dec 2021% Mar 2022% Jun 2022% Sep 2022% Dec 2022%
Promoters 62.42 57.65 46.12 46.12 46.12
ashok jain 18.17 18.17 - 18.17 17.18
ashok kumar jain - - - - -
ashok kumar - - 18.17 - -
sugan chand jain 12.99 12.99 12.99 12.99 12.99
meena jain - - - - 0.99
PARTICULARS Dec 2021% Mar 2022% Jun 2022% Sep 2022% Dec 2022%
Investors 37.58 42.35 53.88 53.88 53.88
aditya vikram kano... 8.11 8.11 8.11 8.11 -
mandeep singh 7.53 - 7.53 7.53 -
andeep singh - 7.53 - - -
spark fincap (p) l... - - - - 5.95
shrutika singhal 3.60 3.60 3.60 3.60 3.60
akshay jain 3.60 3.60 3.60 3.60 -
devinder kumar kat... 3.60 3.60 - 3.60 3.60
ekta agarwal 3.60 3.60 3.60 3.60 3.60
devindra kumar kat... - - 3.60 - -
ankur marketing li... - - - - 3.60
covet financial se... - - - - 2.16
mohak goel 1.22 1.22 1.22 1.22 1.22
mohan goel - - - - -
pinky goel - - - - -
pramod kumar - - - - -
mohan goel - - - - 1.22
pinky goel - - - - 1.22
pramod kumar - - - - 1.22
rekha agarwal - - - 1.19 -
gaurav jain - - - - -
gaurav jain - - - - 1.09

Annual Reports

Ratings & Research Reports

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Company Presentations

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Oracle Credit Stock Price Analysis and Quick Research Report. Is Oracle Credit an attractive stock to invest in?

 

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the Oracle Credit better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 0.4151 Cr and the compounded growth of profit in the past 3 years is 58.1716289436454 %. The PAT margin of Oracle Credit is 102.316982992359 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Oracle Credit , the EPS grew by 159.777700590483 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a poor ROE track record. The ROE of Oracle Credit is at 6.75645981688708 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Oracle Credit is worth at the current levels at Rs 126.9. The stock is trading at a current P/E ratio of 60.5027410081562 and the average historical P/E for the last 5 years was 64.2881835833312.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Oracle Credit is trading at a P/B of 6.3235 . The average historical P/B for the last 5 years was 1.41795676813244. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about Oracle Credit

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