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Ceejay Finance Limited (CEEJAY.BO)

INR169.85 +6.10 (+3.73%)
IN BSE Financial Services Financial - Credit Services
Address 815-816, ICONIC SHYAMAL 380014
Ahmedabad, GJ, IN
CEO Deepakbhai Ramanbhai Patel
IPO 2024-12-30
ISIN INE358C01010

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Description

Ceejay Finance Limited, a non-banking finance company, provides financing services in India. The company offers loans for new and used two and four wheelers; various vehicle loans; SME business loans; loan against property, personal loan, and micro finance loan, as well as insurance services. It also provides refinance for two wheelers, three wheelers, four wheelers, trucks, and buses. The company was formerly known as Heritage Packaging Limited and changed its name to Ceejay Finance Limited in August 2001. Ceejay Finance Limited was incorporated in 1993 and is headquartered in Ahmedabad, India.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
INR169.85 +6.10 (+3.73%)
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Volume Profile
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Liquidity & share structure
Average Volume
167
Beta
-0.14
Float Shares
875.4K
Free Float %
25.4%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-4.97% -5.38% -6.94% +1.34% -12.06% -4.73% -16.90% +14.62% +89.08% +222.72% +21,207.69%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
169.85
DCF (Unlevered) 743.71 +337.9%
DCF (Levered) 1,976.91 +1,063.9%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2025-01 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
1.24
Distress
Piotroski F-Score
2 / 9
Weak
MOAT Score
6 / 10
Developing
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
4 / 5
High
ROE Score
3 / 5
Medium
ROA Score
5 / 5
High
D/E Score
2 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
4 / 5
High
Operational MOAT
✗ Below peers
  • Revenue growth Financial - Credit Services: +13.2%
    +1.4% Q1'26: -8.8% (vs Q1'25)
  • EPS growth Financial - Credit Services: +24.0%
    +13.5% Q1'26: +32.5% (vs Q1'25)
  • FCF margin FCF growth · Financial - Credit Services: +70.9%
    +35.0% Q1'26: +0.0% (vs Q1'25)
  • EBIT margin Financial - Credit Services: +28.7%
    +38.7% Q1'26: +41.4% (vs Q1'25)
  • ROIC Financial - Credit Services: +5.0%
    +6.2% Q1'26: +6.8% (vs Q1'25)
  • Share dilution Financial - Credit Services: +0.0%
    0.0% Q1'26: +0.0% (vs Q1'25)
  • Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×
    4.05× Q1'26: 3.72× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (-0.09) × ERP
WACC = 57% × Ke + 43% × Kd (4.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 743.71 Current price: 169.85
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2019
actual
Mar 2020
actual
Revenue
147.61M
est: 192.38M (-23.3%)
173.03M
est: 222.20M (-22.1%)
EBITDA
76.19M
est: 88.20M (-13.6%)
81.10M
est: 101.87M (-20.4%)
EBIT
74.74M
est: 85.89M (-13.0%)
79.74M
est: 99.21M (-19.6%)
Net Income
48.25M
48.20M
SGA
13.01M
est: 13.29M (-2.1%)
7.56M
est: 15.35M (-50.8%)
EPS
13.99
13.97
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-06-05 A- 4/5 4/5 3/5 5/5 2/5 3/5 4/5
2026-06-04 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-06-03 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-06-02 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-06-01 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-29 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-27 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-25 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-22 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-21 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-20 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-19 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-18 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-15 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-13 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-11 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-08 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-07 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-06 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-05 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-04-30 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-04-29 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-04-28 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-04-27 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-04-20 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
6.96M
OE per share TTM
2.02
Owner's Yield
1.21%
Maintenance CapEx ratio
8.48%
Maint CapEx / Avg PPE
14.4%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
1.37M
Shares Outstanding
3.45M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Deepakbhai Ramanbhai Patel MD & Executive Director 3M male
Devang S. Shah Chief Financial Officer 3M male
Kamlesh Pranshanker Upadhyaya Company Secretary & Compliance Officer 1M male
Alpesh Vekariya Company Secretary male
Samyag Bagadiya Compliance Officer of Operations male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits