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Ceejay Finance Ltd

NSE: BSE: 530789

167

(4.41%)

Sun, 15 Mar 2026, 00:10 pm

Ceejay Finance Analysis

dividend

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Pros

  • Dividends per share have increased over the past 10 years.
  • Dividends paid are thoroughly covered by earnings (11x coverage).
  • Dividends per share have been stable in the past 10 years.
  • Ceejay Finance's pays a higher dividend yield than the bottom 25% of dividend payers in India (0.76%).
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Cons

  • Ceejay Finance's dividend is below the markets top 25% of dividend payers in India (3.08%).

health

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Pros

  • Ceejay Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Ceejay Finance is profitable, therefore cash runway is not a concern.
  • Ceejay Finance is profitable, therefore cash runway is not a concern.
  • Debt is covered by short term assets, assets are 3x debt.
  • Ceejay Finance's cash and other short term assets cover its long term commitments.
  • The level of debt compared to net worth has been reduced over the past 5 years (73.8% vs 51.2% today).
  • Interest payments on debt are well covered by earnings (EBIT is 4.3x coverage).
  • Low level of unsold assets.
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Cons

  • Operating cash flow is negative therefore debt is not well covered.
  • Ceejay Finance's level of debt (51.2%) compared to net worth is high (greater than 40%).

management

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Pros

  • The average tenure for the Ceejay Finance board of directors is over 10 years, this suggests they are a seasoned and experienced board.
  • Deepakbhai's remuneration is lower than average for companies of similar size in India.
  • Deepakbhai's compensation has been consistent with company performance over the past year, both up more than 20%.
  • The tenure for the Ceejay Finance management team is about average.
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Cons

    misc

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    Pros

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      Cons

      • Ceejay Finance is not covered by any analysts.
      • Ceejay Finance has significant price volatility in the past 3 months.

      past

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      Pros

      • Ceejay Finance's year on year earnings growth rate has been positive over the past 5 years.
      • Ceejay Finance used its assets more efficiently than the IN Diversified Financial industry average last year based on Return on Assets.
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      Cons

      • Ceejay Finance's 1-year earnings growth is less than its 5-year average (6.7% vs 9.8%)
      • Ceejay Finance's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
      • Ceejay Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
      • Ceejay Finance's earnings growth has not exceeded the IN Diversified Financial industry average in the past year (6.7% vs 13.5%).

      value

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      Pros

      • Ceejay Finance's share price is below the future cash flow value, and at a moderate discount (> 20%).
      • Ceejay Finance is good value based on assets compared to the IN Diversified Financial industry average.
      • Ceejay Finance is good value based on earnings compared to the IN Diversified Financial industry average.
      • Ceejay Finance is good value based on earnings compared to the India market.
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      Cons

      • Ceejay Finance's share price is below the future cash flow value, but not at a substantial discount (< 40%).
      • 530789 underperformed the Diversified Financial industry which returned -37.3% over the past year.
      • 530789 underperformed the Market in India which returned -14.5% over the past year.
      • BSE:530789 is down -12.9% underperforming the Diversified Financial industry which returned 10.8% over the past month.
      • BSE:530789 is down -12.9% underperforming the market in India which returned 8% over the past month.

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      Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800