Credent Global Finance Ltd

CGFL

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Market Cap

₹ 160 Cr

P/E

15.05

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Investment Checklist

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Performance

MARKET LEADER

Valuation

REASONABLE

Growth

EXCEPTIONAL

Profitability

HIGH MARGIN

Technicals

Bearish

Risk

MODERATE RISK

Investment Checklist

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Price

PE Ratio

Price

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Overview

Detailed Summary

Credent Global Finance Ltd, formerly Oracle Credit Limited, is a Non-Banking Financial Company offering various financial services, including lending, investment banking, and consultancy.

The company has restructured its ownership and management in recent years, notably with the acquisition by Mr. Aditya Vikram Kanoria and Mr. Mandeep Singh in 2021.

Credent Global Finance expanded its business model significantly by starting an Investment Banking Business and acquiring a mid-size real estate fund in 2021.

The organization's core services include money lending, investment in securities, loan syndication, and financial consultancy.

Credent Global Finance's strategic move involved divesting of its investment in Mercury Insurance Brokers to focus on core financial activities.

Sector

Finance

Industry

NBFC-Others

Market Cap

160 Cr

Volatility

Low Risk

P/E Ratio

15.1

Industry P/E

34.5

PEG Ratio

0.2

P/B Ratio

1.9

52W High

47.60

52W Low

20.70

Sales CAGR

35.47%

153.03%

101.94%

10Y

51.37%

Profit CAGR

-602.99%

73.43%

76.88%

10Y

—

ROE

TTM

12.60%

3.96%

4.01%

10Y

3.47%

ROCE

TTM

14.76%

7.38%

7.30%

10Y

6.34%

Technicals

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Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
IBLFL	66.50	168 Cr	87.18	3.12	0.00	—	—	0.00
VJTFEDU	96.00	163 Cr	—	1.48	0.00	-3.08	-4.76	-2.41
USHAFIN	36.25	163 Cr	11.80	0.77	0.00	12.66	18.85	4.30
CGFL	32.15	160 Cr	15.05	1.90	0.00	12.60	14.76	8.48
APOLLOFI	399.30	157 Cr	24.07	2.20	0.00	9.12	12.79	6.18
SONAL	105.90	147 Cr	4.47	0.39	0.00	8.70	5.11	1.41
UPSURGE	71.10	141 Cr	13.23	1.26	0.71	9.50	10.74	7.65

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

View Standalone

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	2.67	1.94	3.14	4.62	4.87	3.28	3.48	3.02	2.55	12
Expenses	1.39	1.99	2.49	2.22	14	1.88	2.36	1.95	2.24	1.57
Interest	0.66	0.54	0.68	0.48	0.53	0.49	0.59	0.65	0.49	0.59
Financing Profit	0.62	-0.59	-0.03	1.92	-10	0.91	0.53	0.42	-0.18	9.95
Financing Margin %	23.22	-30.41	-0.96	41.56	-205.75	27.74	15.23	13.91	-7.06	82.16
Other Income	0.14	-0.21	0.09	-0.76	0.02	0.41	-0.05	3.11	0.70	0.03
Depreciation	0.24	0.24	0.25	0.28	0.40	0.40	0.34	0.31	0.29	0.29
Profit Before Tax	0.51	-1.04	-0.20	0.88	-10	0.91	0.14	3.22	0.22	9.69
Tax %	27.45	-7.69	-70.00	-176.14	7.41	134.07	192.86	-2.80	-31.82	26.42
Net Profit	0.37	-1.12	-0.34	2.43	-9.62	-0.30	-0.12	3.31	0.29	7.13
EPS in Rs	0.07	-0.37	-0.08	0.54	-1.87	-0.06	-0.02	0.64	0.06	1.38
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

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	1.53	19	12	15	12
Expenses	0.42	7.33	8.09	21	8.43
Interest	0.00	1.28	2.36	2.27	2.22
Financing Profit	1.10	11	1.92	-8.15	1.68
Financing Margin %	72.32	55.75	15.48	-55.61	13.63
Other Income	0.38	-0.16	-0.76	3.49	4.17
Depreciation	0.00	0.61	1.02	1.45	1.34
Profit Before Tax	1.48	10	0.14	-6.11	4.49
Tax %	27.50	33.22	-827.50	-10.29	29.18
Net Profit	1.07	6.74	1.34	-6.74	3.18
EPS in Rs	—	2.05	0.16	-1.31	2.06
Dividend Payout %	0.00	3.25	0.00	0.00	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	5.55	6.94	10	10
Reserves	1.68	18	62	64
Borrowings	0.14	38	21	20
Other Liabilities	0.54	13	13	17
Total Liabilities	7.92	76	107	112
Fixed Assets	0.04	12	16	17
CWIP	0.00	0.00	0.00	0.00
Investments	0.00	28	33	18
Other Assets	7.88	36	57	76
Total Assets	7.92	76	107	112

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-5.86	-24	-18	-11
Cash from Investing Activity	0.19	-17	-13	15
Cash from Financing Activity	5.69	44	29	-2.68
Net Cash Flow	0.02	3.15	-1.99	1.37

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Mar 2023	Jun 2023	Aug 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	46.12%	46.12%	31.09%	31.09%	31.09%	31.09%	31.09%	31.09%	31.09%	31.09%	31.09%	31.09%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.29%	0.29%	0.29%	0.29%	0.29%	0.29%	0.29%
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	53.88%	53.88%	68.91%	68.91%	68.91%	68.62%	68.62%	68.62%	68.62%	68.62%	68.62%	68.62%
Total Shareholders	5,686	5,421	5,610	5,161	4,671	4,276	4,086	4,042	5,355	5,065	4,952	4,733

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Sep 26, 2025	Neetu rajendra bohra	Bulk	Buy	29.55	0.89 Cr	3,00,000	0.58
Sep 26, 2025	Caviare business solutions pr...	Bulk	Sell	29.55	0.88 Cr	2,96,306	0.57
Sep 24, 2025	Neetu rajendra bohra	Bulk	Buy	29.58	1.73 Cr	5,85,763	1.13
Sep 18, 2025	Neetu rajendra bohra	Bulk	Buy	28.58	1.89 Cr	6,62,187	1.28
May 08, 2025	Arun kumar ganeriwala	Bulk	Sell	24.50	0.98 Cr	4,00,000	0.77
May 07, 2025	Piyush securities pvt ltd	Bulk	Sell	23.71	0.85 Cr	3,57,860	0.69
Feb 27, 2025	Prachi pranav bhagat	Bulk	Sell	28.00	1.01 Cr	3,60,000	0.69
Feb 27, 2025	Niraj rajnikant shah	Bulk	Sell	28.00	1.40 Cr	5,00,000	0.97
Feb 27, 2025	Supriya kataria	Bulk	Buy	28.00	2.99 Cr	10,66,499	2.07
Feb 11, 2025	Shivaay trading company	Bulk	Buy	31.00	0.00 Cr	200	0.00

Projection

Actions

Action Type

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Announcements

Last 7 days

Newest

Sentiment

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Documents

Presentations

Concalls

Reports

Presentations

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Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

View Standalone

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	2.67	1.94	3.14	4.62	4.87	3.28	3.48	3.02	2.55	12
Expenses	1.39	1.99	2.49	2.22	14	1.88	2.36	1.95	2.24	1.57
Interest	0.66	0.54	0.68	0.48	0.53	0.49	0.59	0.65	0.49	0.59
Financing Profit	0.62	-0.59	-0.03	1.92	-10	0.91	0.53	0.42	-0.18	9.95
Financing Margin %	23.22	-30.41	-0.96	41.56	-205.75	27.74	15.23	13.91	-7.06	82.16
Other Income	0.14	-0.21	0.09	-0.76	0.02	0.41	-0.05	3.11	0.70	0.03
Depreciation	0.24	0.24	0.25	0.28	0.40	0.40	0.34	0.31	0.29	0.29
Profit Before Tax	0.51	-1.04	-0.20	0.88	-10	0.91	0.14	3.22	0.22	9.69
Tax %	27.45	-7.69	-70.00	-176.14	7.41	134.07	192.86	-2.80	-31.82	26.42
Net Profit	0.37	-1.12	-0.34	2.43	-9.62	-0.30	-0.12	3.31	0.29	7.13
EPS in Rs	0.07	-0.37	-0.08	0.54	-1.87	-0.06	-0.02	0.64	0.06	1.38
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

Consolidated Profit Loss (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	1.53	19	12	15	12
Expenses	0.42	7.33	8.09	21	8.43
Interest	0.00	1.28	2.36	2.27	2.22
Financing Profit	1.10	11	1.92	-8.15	1.68
Financing Margin %	72.32	55.75	15.48	-55.61	13.63
Other Income	0.38	-0.16	-0.76	3.49	4.17
Depreciation	0.00	0.61	1.02	1.45	1.34
Profit Before Tax	1.48	10	0.14	-6.11	4.49
Tax %	27.50	33.22	-827.50	-10.29	29.18
Net Profit	1.07	6.74	1.34	-6.74	3.18
EPS in Rs	—	2.05	0.16	-1.31	2.06
Dividend Payout %	0.00	3.25	0.00	0.00	—

Consolidated Balance Sheet (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	5.55	6.94	10	10
Reserves	1.68	18	62	64
Borrowings	0.14	38	21	20
Other Liabilities	0.54	13	13	17
Total Liabilities	7.92	76	107	112
Fixed Assets	0.04	12	16	17
CWIP	0.00	0.00	0.00	0.00
Investments	0.00	28	33	18
Other Assets	7.88	36	57	76
Total Assets	7.92	76	107	112

Consolidated Cash Flows (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-5.86	-24	-18	-11
Cash from Investing Activity	0.19	-17	-13	15
Cash from Financing Activity	5.69	44	29	-2.68
Net Cash Flow	0.02	3.15	-1.99	1.37

Oscillators

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Overview

Detailed Summary

Credent Global Finance Ltd, formerly Oracle Credit Limited, is a Non-Banking Financial Company offering various financial services, including lending, investment banking, and consultancy.

The company has restructured its ownership and management in recent years, notably with the acquisition by Mr. Aditya Vikram Kanoria and Mr. Mandeep Singh in 2021.

Credent Global Finance expanded its business model significantly by starting an Investment Banking Business and acquiring a mid-size real estate fund in 2021.

The organization's core services include money lending, investment in securities, loan syndication, and financial consultancy.

Credent Global Finance's strategic move involved divesting of its investment in Mercury Insurance Brokers to focus on core financial activities.

Sector

Finance

Industry

NBFC-Others

Market Cap

160 Cr

Volatility

Low Risk

P/E Ratio

15.1

Industry P/E

34.5

PEG Ratio

0.2

P/B Ratio

1.9

52W High

47.60

52W Low

20.70

Sales CAGR

35.47%

153.03%

101.94%

10Y

51.37%

Profit CAGR

-602.99%

73.43%

76.88%

10Y

—

ROE

TTM

12.60%

3.96%

4.01%

10Y

3.47%

ROCE

TTM

14.76%

7.38%

7.30%

10Y

6.34%

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
IBLFL	66.50	168 Cr	87.18	3.12	0.00	—	—	0.00
VJTFEDU	96.00	163 Cr	—	1.48	0.00	-3.08	-4.76	-2.41
USHAFIN	36.25	163 Cr	11.80	0.77	0.00	12.66	18.85	4.30
CGFL	32.15	160 Cr	15.05	1.90	0.00	12.60	14.76	8.48
APOLLOFI	399.30	157 Cr	24.07	2.20	0.00	9.12	12.79	6.18
SONAL	105.90	147 Cr	4.47	0.39	0.00	8.70	5.11	1.41
UPSURGE	71.10	141 Cr	13.23	1.26	0.71	9.50	10.74	7.65