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: 57 Cr
Volatility: Low Risk
P/E Ratio: 7.9
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

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Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
DCCL	42.80	61 Cr	5.98	0.61	1.17	8.90	12.01	3.21
GOWRALE	81.00	61 Cr	10.58	0.96	0.00	16.17	16.12	8.47
EVERFIN	94.80	60 Cr	58.16	2.46	0.00	-15.45	-3.35	-33.20
CEEJAY	164.00	57 Cr	7.86	0.71	0.73	8.36	10.64	5.72
LADDERUP	52.00	55 Cr	34.21	0.72	0.00	1.75	5.73	2.89
MORGAN	53.88	53 Cr	1264.79	0.55	0.00	23.84	15.92	2.76
AASTAFIN	33.46	52 Cr	5.82	0.66	0.00	10.29	11.23	5.66

Financial Statements

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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

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