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CEEJAY FINANCE LTD.

Financial Services › Finance
₹151.00
at close · 28 Oct 2026
▼ 13.45 (-8.18%)

Latest filings

Next results: Tue, 3 Nov · Financial Results
  1. Board meeting set for November 3 to approve September results · Results
  2. Routine compliance certificate for share dematerialisation filed with BSE · Compliance
  3. Trading window closed for Q2 and H1 FY26 results announcement · Compliance
All filings ↓
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Snapshot

What the business is, and whether it's a good one at a fair price.

AI · written from filings

Lends primarily to farmers and small traders, with around 95% of its loan book concentrated in Gujarat. As a non-banking financial company, it earns revenue almost entirely through interest on its loan book, with revenue from operations of Rs. 2,653.87 lakhs in FY26. Assets under management stood at about Rs. 117 crore in H1 FY26, funded mostly by related-party borrowings from Ceejay Group entities (around 75% of total borrowings of Rs. 4,346.26 lakhs at end-FY26). The balance sheet is well capitalised, with a capital adequacy ratio of 63.59% against the 15% regulatory minimum, and CARE Ratings has reaffirmed its credit rating at CARE BBB-; Stable / CARE A3 on bank facilities of Rs. 15 crore. Asset quality is moderate, with a gross NPA of 4.94% in H1 FY26. The biggest cost is finance cost on borrowings, at Rs. 390.05 lakhs in FY26, while employee costs (16% of revenue) and other operating expenses (25.2% of revenue) form the other significant line items.

Operating scale
Assets under management
Rs. 117 croreH1 FY26
Capital adequacy ratio
63.59%H1 FY26
Gross NPA
4.94%H1 FY26
Gearing
0.56xH1 FY26
Credit rating
CARE BBB-; Stable / CARE A3FY26
Total borrowings
Rs. 4,346.26 lakhsFY26
Who pays it
Farmers and small traders, primarily in Gujarat
Biggest cost
Finance cost on borrowings (Rs. 390.05 lakhs in FY26)
Kind of business
Small, geographically concentrated, group-funded NBFC lending to relatively riskier borrower segments
Where it sits
Modest scale with AUM of around Rs. 117 crore, 95% Gujarat concentration, and roughly 75% of borrowings sourced from Ceejay Group entities
Market Cap
₹52 Cr
P / E (TTM)
6.8×
EV / EBITDA
—
Div Yield
0.79%
Growth
13.3%▲
Revenue 5y CAGR
PAT +11.5% · EBITDA +11.7%
Quality
—·
ROCE (FY26)
ROE 9.3% (5y median) · margin 55.1%
Leverage
—·
Debt / Equity · not read for a lender
Revenue FY21→FY26
1.9×▲
Margin −2.3 pts
₹14 Cr → ₹27 Cr
Moves on a normal day
2.95%·
Median daily move
Last 202 sessions · the yardstick for filing-day moves
Where it sits among 272 Non Banking Financial Company (NBFC) peersBar = share of peers beaten · tick = industry median · latest reported figures
P/E (TTM)#33/200
P/B#76/253
ROE#60/257
EBITDA margin#114/249
Revenue growth#152/231
Profit growth#98/251

Scorecard

Measured from the filed financials, judged against its Non Banking Financial Company (NBFC) peers · as of FY26 — not investment advice

Strengths
Revenue compounding 13% a year over 5 years
Concerns
Nothing flagged in the filed numbers.

Charts

How has the market priced it — with filings on the timeline?

Price

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▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Peers

How does it stack up on valuation, returns and growth?

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Financials

Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.

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Ownership

Who owns it — and is the promoter stake clean?

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Common questions

Answered from CEEJAY FINANCE LTD.'s filed financials and exchange disclosures

What does CEEJAY FINANCE LTD. do?

CEEJAY FINANCE LTD. is a Finance company listed on BSE.

Is CEEJAY FINANCE LTD. profitable?

Yes. Over the trailing twelve months CEEJAY FINANCE LTD. reported a net profit of ₹7.72 Cr on revenue of ₹27 Cr.

Does CEEJAY FINANCE LTD. pay a dividend?

Yes. The dividend yield is 0.79% at the current price. It paid out 5% of its profit as dividend in FY26.

Is CEEJAY FINANCE LTD. expensive compared with its peers?

On trailing P/E, CEEJAY FINANCE LTD. ranks 33 of 200 in Non Banking Financial Company (NBFC) — cheaper than 83% of them, against an industry median of 18.1×. This is a position, not a valuation judgement.

How much does the CEEJAY FINANCE LTD. share price move in a day?

On a typical session CEEJAY FINANCE LTD. moves 2.95% — that is the median absolute close-to-close move across its last 202 trading days. MarketPing measures each filing's price reaction against it.

When are CEEJAY FINANCE LTD.'s next results?

Financial Results on Tue, 3 Nov. MarketPing alerts you on WhatsApp the moment the filing lands.

Where can I track CEEJAY FINANCE LTD.'s announcements?

Every NSE and BSE filing by CEEJAY FINANCE LTD. appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.

Figures are as last reported and may lag the latest filing. Not investment advice.