Overview

Detailed Summary

Ceejay Finance Ltd, originally named Heritage Packaging Limited, was established in Gujarat in 1993. It transitioned from a packaging materials manufacturer to an asset finance company, registered as an Asset Finance Company - D NBFC with the Reserve Bank of India.
The company manages assets worth over Rs 500 crore and has served over 1.2 million clients across India, evidencing a significant reach and growth in the financial services sector.
Ceejay Finance offers a range of financial services including vehicle loans, SME business loans, personal loans, microfinance loans, and insurance services, focusing on diverse customer needs.
The company has shown historical flexibility and adaptability, initially engaging in manufacturing before shifting its focus entirely to financial services after an amalgamation of Ceejay Finance Ltd.
Ceejay Finance has maintained a strong capital adequacy ratio, exemplifying robust financial health and compliance with regulatory standards.

Sector: Finance
Industry: NBFC-Others
Market Cap: 54 Cr
Volatility: Low Risk
P/E Ratio: 7.5
Industry P/E: 27.5
PEG Ratio: 0.7
P/B Ratio: 0.7
52W High: 214.75
52W Low: 153.75

Sales CAGR

1Y: 26.94%
3Y: 13.79%
5Y: 8.73%
10Y: 8.83%

Profit CAGR

1Y: 3.50%
3Y: 10.99%
5Y: 7.12%
10Y: 6.83%

ROE

TTM: 8.36%
3Y: 9.69%
5Y: 9.34%
10Y: 10.40%

ROCE

TTM: 10.64%
3Y: 14.34%
5Y: 14.39%
10Y: 16.63%

Technicals

‌

Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
LUHARUKA	2.65	57 Cr	141.47	0.92	0.00	0.18	1.13	0.46
EVERFIN	91.00	54 Cr	55.83	2.19	0.00	-15.45	-3.35	-33.20
CEEJAY	156.50	54 Cr	7.50	0.68	0.77	8.36	10.64	5.72
LADDERUP	50.20	53 Cr	33.03	0.69	0.00	1.75	5.73	2.89
CSL	17.25	53 Cr	26.23	2.07	0.00	7.75	10.38	7.87
MORGAN	52.07	52 Cr	1222.30	0.54	0.00	23.84	15.92	2.76
AASTAFIN	33.25	51 Cr	5.78	0.64	0.00	10.29	11.23	5.66

Financial Statements

AI Powered Summary

Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.

Ask AI

Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	4.94	5.03	5.98	5.37	6.29	7.15	7.49	6.40	6.66	6.69
Expenses	1.95	2.33	2.51	2.00	2.38	4.22	4.15	3.09	2.72	3.34
Interest	0.77	0.94	0.92	0.82	0.84	1.15	1.11	0.90	0.90	1.06
Financing Profit	2.22	1.76	2.55	2.55	3.07	1.78	2.23	2.41	3.04	2.29
Financing Margin %	44.94	34.99	42.64	47.49	48.81	24.90	29.77	37.66	45.65	34.23
Other Income	0.02	0.14	0.02	0.02	0.02	0.04	0.03	0.06	0.00	0.02
Depreciation	0.06	0.09	0.10	0.10	0.11	0.11	0.09	0.11	0.11	0.11
Profit Before Tax	2.18	1.82	2.47	2.47	2.98	1.70	2.16	2.36	2.93	2.20
Tax %	30.28	26.37	24.70	27.13	23.49	32.94	26.39	25.85	25.60	23.64
Net Profit	1.52	1.34	1.86	1.79	2.27	1.14	1.59	1.75	2.18	1.68
EPS in Rs	4.40	3.89	5.39	5.20	6.58	3.31	4.61	5.06	6.31	4.88
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	14	16	15	17	16	18	20	21	26	27
Expenses	4.71	5.58	5.73	8.43	7.66	8.42	7.50	8.33	13	14
Interest	2.42	2.92	2.27	2.41	2.22	2.41	3.33	3.41	3.90	4.00
Financing Profit	7.14	7.88	6.78	6.47	6.11	7.01	9.00	8.97	9.62	9.49
Financing Margin %	50.03	48.11	45.86	37.37	38.18	39.30	45.39	43.33	36.59	34.72
Other Income	0.01	0.04	0.03	0.05	0.08	0.11	0.04	0.21	0.10	0.15
Depreciation	0.16	0.14	0.14	0.14	0.15	0.18	0.20	0.30	0.41	0.42
Profit Before Tax	6.99	7.78	6.66	6.38	6.03	6.94	8.84	8.88	9.31	9.20
Tax %	301.97	350.95	362.48	409.81	385.68	352.26	442.43	384.40	371.25	26.63
Net Profit	4.67	5.56	4.82	4.82	4.47	4.97	6.84	6.57	6.80	6.75
EPS in Rs	13.55	16.12	10.11	14.02	12.96	14.43	19.84	19.04	19.70	20.86
Dividend Payout %	903.33	644.80	932.67	1,397.00	1,296.00	1,441.00	1,653.33	1,587.50	1,642.50	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	3.45	3.45	3.45	3.45	3.45	3.45	3.45	3.45	3.45	3.45
Reserves	26	31	36	40	44	49	53	60	66	72
Borrowings	18	27	29	27	30	18	24	28	33	47
Other Liabilities	2.81	2.18	2.48	1.93	1.90	1.19	2.08	2.85	2.95	3.11
Total Liabilities	50	63	70	73	79	72	83	95	106	126
Fixed Assets	0.85	0.91	0.82	1.12	1.21	1.19	1.15	1.39	6.61	6.64
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	0.62	0.41	0.50	0.54	0.47	0.00	0.00
Other Assets	50	62	70	71	78	70	81	93	99	119
Total Assets	50	63	70	73	79	72	83	95	106	126

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	3.54	-7.93	1.51	4.17	-0.79	14	-4.98	-4.14	0.20	-13
Cash from Investing Activity	-0.08	-0.19	-0.04	-0.43	-0.08	-0.16	-0.08	-0.32	-4.80	-0.40
Cash from Financing Activity	-3.72	8.25	1.21	-4.83	-0.34	-14	5.30	3.95	4.29	13
Net Cash Flow	-0.25	0.13	2.69	-1.10	-1.22	0.29	0.24	-0.51	-0.31	-0.30

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	59.14%	59.15%	59.16%	59.03%	59.03%	59.03%	59.03%	59.03%	59.03%	59.03%	59.03%	59.03%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
DIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Public	40.86%	40.85%	40.84%	40.97%	40.97%	40.97%	40.97%	40.97%	40.97%	40.97%	40.97%	40.97%
Total Shareholders	2,830	2,830	2,832	2,904	2,750	2,707	2,784	2,637	2,674	2,654	2,663	2,534

Market Transactions

Unlock Premium Features

Analyst Target, Price, EPS and Revenue Projections

Upgrade

Projection

Documents

Presentations

Concalls

Reports

Presentations

No documents found!

Actions

Action Type

‌
‌

Announcements

Last 7 days

Newest

Sentiment

Sorry, no results found!

AI Mode

Get instant AI-powered insights about company performance, financials, and strategy. Ask questions about trends, competition, and developments while receiving responses backed by official documents and market data, with clear attribution to source documents.

Ask AI

Frequently Asked Questions about Ceejay Finance Ltd

Ceejay Finance Ltd (CEEJAY) is currently trading at N/A per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.

Ceejay Finance Ltd, originally named Heritage Packaging Limited, was established in Gujarat in 1993. It transitioned from a packaging materials manufacturer to an asset finance company, registered as an Asset Finance Company - D NBFC with the Reserve Bank of India. The company manages assets worth over Rs 500 crore and has served over 1.2 million clients across India, evidencing a significant reach and growth in the financial services sector. Ceejay Finance offers a range of financial services including vehicle loans, SME business loans, personal loans, microfinance loans, and insurance services, focusing on diverse customer needs. The company has shown historical flexibility and adaptability, initially engaging in manufacturing before shifting its focus entirely to financial services after an amalgamation of Ceejay Finance Ltd. Ceejay Finance has maintained a strong capital adequacy ratio, exemplifying robust financial health and compliance with regulatory standards.

Over the past 52 weeks, Ceejay Finance Ltd has traded between a low of ₹NaN and a high of ₹NaN. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.

Ceejay Finance Ltd has a market capitalization of approximately 53.99. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.

Ceejay Finance Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 7.50 and operates in the Finance sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.

Based on its market capitalization of 53.99 Cr, Ceejay Finance Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.

Ceejay Finance Ltd operates in the Finance sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.

The Price-to-Earnings (PE) ratio of Ceejay Finance Ltd is 7.50. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.

Ceejay Finance Ltd

Stock Summary and Key Metrics

Investment Checklist

Investment Checklist

Overview

Financial Ratios

Technicals

Forecasts

Peers

Price Chart Comparison

Financial Statements

AI Powered Summary

Ask AI

Standalone Quarterly Results (in ₹ Crores)

Standalone Profit Loss (in ₹ Crores)

Standalone Balance Sheet (in ₹ Crores)

Standalone Cash Flows (in ₹ Crores)

Shareholdings

Shareholding History

Market Transactions

Unlock Premium Features

Upgrade

Projection

Documents

Actions

Announcements

AI Mode

Ask AI

Frequently Asked Questions about Ceejay Finance Ltd

What is Ceejay Finance Ltd share price today?

What does Ceejay Finance Ltd do?

What is the 52-week high and low of Ceejay Finance Ltd?

What is the market capitalization of Ceejay Finance Ltd?

Should I consider investing in Ceejay Finance Ltd stock?

Is Ceejay Finance Ltd a large-cap, mid-cap, or small-cap stock?

Which sector does Ceejay Finance Ltd belong to and why does it matter?

What is the PE ratio of Ceejay Finance Ltd?

Utility

Company

Technicals

Forecasts

Projection

Frequently Asked Questions about Ceejay Finance Ltd

What is Ceejay Finance Ltd share price today?

What does Ceejay Finance Ltd do?

What is the 52-week high and low of Ceejay Finance Ltd?

What is the market capitalization of Ceejay Finance Ltd?

Should I consider investing in Ceejay Finance Ltd stock?

Is Ceejay Finance Ltd a large-cap, mid-cap, or small-cap stock?

Which sector does Ceejay Finance Ltd belong to and why does it matter?

What is the PE ratio of Ceejay Finance Ltd?

Announcements

Oscillators

Neutral

Overall

Neutral

Moving Averages

Neutral

Overall

Neutral

Peers

Price Chart Comparison

Overview

Financial Ratios

Investment Checklist