Operates as a small RBI-registered non-banking financial company (NBFC-ICC) listed on BSE, earning mainly interest income on its lending book, which totalled ₹1,607 lakhs in FY26. Lending products include Loans Against Securities, supply chain finance and promoter funding (the traditional B2B book), plus a newly launched Consumer Durable Loan — a smartphone point-of-sale financing product rolled out initially in Gujarat and Rajasthan with paperless approvals in as little as five minutes. Assets under management stood at ₹95.71 crore against a net worth of ₹100.14 crore in FY26, with total income of ₹16.11 crore (up 21% year-on-year) and profit after tax of ₹7.49 crore (up about 47% year-on-year). Profitability got a lift from sharply lower finance costs — interest expense fell to ₹103 lakhs from ₹251 lakhs after borrowings were cut from ₹2,186 lakhs to ₹437 lakhs — though bad debts provision rose to ₹143 lakhs from ₹8 lakhs in the prior year. The business runs on a tech-enabled platform with digital KYC, automated credit decisioning and API integration, and is building a digital Loan Against Shares/Mutual Funds offering aimed at HNWIs and retail investors. The largest operating cost lines are employee expenses at 15.5% of revenue and other operating expenses at 14.6% of revenue. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Loans Against Securities, Consumer Durable Loans, Supply Chain Finance, Promoter Funding. Small, technology-first NBFC-ICC shifting from B2B secured lending toward digital retail consumer credit
| ₹ crore · consolidated | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | 12 | 15 | 14 | 13 | 16 |
| EBITDA (ex other income) | 10 | 12 | 10 | 10 | 11 |
| margin % | 76.8 | 78.6 | 71.4 | 72.5 | 67.6 |
| Owners' profit | 0 | 0 | 0 | 5 | 0 |
| EPS, as reported (₹) | 4.08 | 0.90 | 0.95 | 0.88 | 0.86 |
| ROE % · ROCE % | 9.8 · — | 9.7 · — | 9.4 · — | 5.9 · — | 7.5 · — |
| Debt / equity (x) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from operations | (15) | 27 | 4 | (20) | 13 |
| Capex | 0 | (0) | (1) | 0 | 0 |
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 3 | 3 | 4 | 4 | 4 | 5 | 4 | 4 |
| Profit before tax | 1 | 2 | 1 | 3 | 2 | 3 | 2 | 3 |
| Net profit | 1 | 1 | 1 | 3 | 1 | 2 | 1 | 2 |
| EPS (₹) | 0.19 | 0.22 | 0.12 | 0.32 | 0.48 | 0.26 | 0.12 | 0.22 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| BAJAJ FINANCE LIMITED | 6,43,552 | 31.7 | 5.50 | 11.6 | 16.5 | — | 25.2 | 70.7 |
| SHRIRAM FINANCE LIMITED | 2,42,019 | 18.1 | 3.67 | 6.7 | 15.2 | — | 22.5 | 74.7 |
| CHOLAMANDALAM IN & FIN CO | 1,57,446 | 27.2 | 5.17 | 6.9 | 17.2 | — | 26.5 | 71.2 |
| TATA CAPITAL LIMITED | 1,54,110 | 28.2 | 3.27 | 6.5 | 10.4 | — | — | 75.8 |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 30 Aug 2026 · Comfort Fincap 44th AGM notice published, book closure Sep 15 to 21 | compliance | minimal | — | — |
| 28 Aug 2026 · AGM notice and annual report letter sent to shareholders | compliance | minimal | — | — |
| 28 Aug 2026 · TDS notice on 5% Final Dividend; record date September 14, 2026 | corporate actions | low | — | — |
| 28 Aug 2026 · 44th Annual Report filed; AGM on September 21, 2026 | results | high | — | — |
| 28 Aug 2026 · 44th AGM notice: dividend, related party deals and Rs. 300 Crore fund raising | board shareholder meetings | low | — | — |
| 26 Aug 2026 · Comfort Fincap 44th AGM on Sep 21, 2026; final dividend of Rs 0.10 per share | compliance | minimal | — | — |
| 17 Aug 2026 · Comfort Fincap Q1 FY27 results: PAT more than doubles QoQ to 220.07 lakhs | investor communications | medium | — | — |
| 13 Aug 2026 · Comfort Fincap Q1 FY26-27 operating update | investor communications | medium | — | — |
| 13 Aug 2026 · Newspaper publication of Q1 FY26 results and physical shares re-lodgement window | compliance | minimal | — | — |
| 7 Aug 2026 · Board Meeting on Aug 12, 2026 to Consider Q1 FY27 Financial Results | results | low | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) | A state: the latest filed quarter and the measured reactions |
| MUTHOOT FINANCE LIMITED |
| 1,12,094 |
| 9.9 |
| 2.82 |
| 3.9 |
| 26.7 |
| — |
| 22.0 |
| 84.0 |
| SBI CARDS & PAY SER LTD | 62,349 | 27.4 | 3.96 | — | 13.8 | — | — | 33.1 |
| HDB FINANCIAL SERVICES L | 55,706 | 20.2 | 2.70 | — | 12.3 | — | — | 58.0 |
| SUNDARAM FINANCE LTD | 52,217 | 23.3 | 3.51 | 6.7 | 13.8 | — | — | 78.4 |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 7.2 | 18.2 | 39 of 212 | 82% |
| P/B | 0.8 | 1.1 | 85 of 245 | 66% |
| ROE | 7.5 | 3.0 | 82 of 266 | 69% |
| Debt / Equity | 0.0 | 0.0 | 5 of 266 | 11% |
| EBITDA margin | 70.1 | 48.6 | 82 of 249 | 67% |
| Revenue growth | 15.7 | 12.6 | 106 of 231 | 54% |
| Profit growth | (17.4) | 7.8 | 140 of 251 | 44% |
| Market cap | 76 | 37 | 93 of 260 | 65% |
| an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.
