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CL Educate Ltd

NSE: CLEDUCATE BSE: 540403

39.42

(-2.09%)

Sun, 01 Mar 2026, 08:01 pm

CL Educate Analysis

dividend

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Pros

  • Dividends paid are thoroughly covered by earnings (8x coverage).
  • CL Educate's pays a higher dividend yield than the bottom 25% of dividend payers in India (0.76%).
  • CL Educate's dividend is above the markets top 25% of dividend payers in India (3.08%).
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Cons

  • Dividend payments have increased, but CL Educate only paid a dividend in the past 2 years.
  • Whilst dividend payments have been stable, CL Educate has been paying a dividend for less than 10 years.

health

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Pros

  • CL Educate is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • CL Educate is profitable, therefore cash runway is not a concern.
  • CL Educate is profitable, therefore cash runway is not a concern.
  • Debt is well covered by operating cash flow (36.8%, greater than 20% of total debt).
  • Debt is covered by short term assets, assets are 5.7x debt.
  • CL Educate'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 (30.7% vs 16% today).
  • CL Educate's level of debt (16%) compared to net worth is satisfactory (less than 40%).
  • Low level of unsold assets.
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Cons

  • Interest payments on debt are not well covered by earnings (EBIT is 2.8x annual interest expense, ideally 3x coverage).

management

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Pros

  • More shares have been bought than sold by CL Educate individual insiders in the past 3 months.
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Cons

  • The average tenure for the CL Educate board of directors is less than 3 years, this suggests a new board.
  • Gautam's remuneration is higher than average for companies of similar size in India.
  • Gautam's compensation has increased by more than 20% in the past year whilst earnings fell less than 20%.

misc

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Pros

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    Cons

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

    past

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    Pros

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      Cons

      • CL Educate's 1-year earnings growth is negative, it can't be compared to the 5-year average.
      • CL Educate's year on year earnings growth rate was negative over the past 5 years and the most recent earnings are below average.
      • CL Educate used its assets less efficiently than the IN Consumer Services industry average last year based on Return on Assets.
      • CL Educate's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
      • CL Educate has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
      • CL Educate's 1-year earnings growth is negative, it can't be compared to the IN Consumer Services industry average.

      value

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      Pros

      • CL Educate's share price is below the future cash flow value, and at a moderate discount (> 20%).
      • CL Educate is good value based on assets compared to the IN Consumer Services industry average.
      • CL Educate is good value based on earnings compared to the IN Consumer Services industry average.
      • CL Educate is good value based on earnings compared to the India market.
      • BSE:540403 is up 22.8% outperforming the Consumer Services industry which returned 12% over the past month.
      • BSE:540403 is up 22.8% outperforming the market in India which returned 8% over the past month.
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      Cons

      • CL Educate's share price is below the future cash flow value, but not at a substantial discount (< 40%).
      • 540403 underperformed the Consumer Services industry which returned -34.7% over the past year.
      • 540403 underperformed the Market in India which returned -14.5% over the past year.

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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