Ceejay Finance
BSE: CEEJAY · Non Banking Financial Company (NBFC)
Limited coverage
We are not actively covering this company or have limited coverage today. Click to request coverage.
Snapshot
Unlock Ceejay Finance's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Ceejay Finance is a Gujarat-based non-banking financial company specialising in asset financing, particularly for two, three, and four-wheelers. The firm also provides personal loans and microfinance solutions, while maintaining diversified interests in wind power generation and insurance brokerage.
Business Model
The company generates revenue primarily through interest income from its retail lending portfolio and credit facilities. It further supplements its income streams through insurance brokerage commissions and the generation of wind power.
Management Commentary
Management maintains a conservative growth strategy that prioritises credit quality and the cultivation of long-standing, localised customer relationships within its regional markets.
Growth Outlook
Growth is driven by the company's focus on small-ticket retail lending in underserved rural and semi-urban segments of Western India. The firm continues to leverage its established regional presence to expand its core vehicle financing operations.
Key Risks
- Credit Risk. The company faces potential losses from defaults in its retail lending portfolio, particularly among underserved segments with limited credit history.
- Geographic Concentration. Operations are heavily concentrated in Western India, making the firm vulnerable to regional economic downturns or localised regulatory changes.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its target customer base.
- Regulatory Risk. As an NBFC, the company is subject to evolving regulatory frameworks and compliance requirements set by the Reserve Bank of India.
Start your research today
Unlock AI insights, financials, peers and live data on Ceejay Finance and 5,000+ companies — free.
Key Metrics
REVENUE
₹27 Cr
TTM · standalone
NET PROFIT
₹8 Cr
TTM · standalone
EPS
₹22.37
TTM · standalone
RETURN ON EQUITY
9.9%
TTM · standalone
P/E
8.0x
Q4 FY26 · standalone
NET PROFIT MARGIN
31.1%
Q4 FY26 · standalone
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Ceejay FinanceCEEJAY | ₹57 Cr | 7.44 | — | 0.9% | — | 9.9% | — | -16.8% |
Purple FinancePURPLEFIN | ₹433 Cr | -367.50 | — | 204.7% | — | -1.2% | — | +102.3% |
Akme Fintrade (India) LimitedAFIL | ₹401 Cr | 9.04 | — | 40.5% | — | 11.0% | — | +35.4% |
Moneyboxx Finance LimitedMONEYBOXX | ₹398 Cr | 237.38 | — | 5.9% | — | 0.5% | — | -57.2% |
Muthoot Capital Services LimitedMUTHOOTCAP | ₹395 Cr | 16.50 | — | 22.0% | — | 3.6% | — | -12.6% |
Avonmore Capital & Management Services LimitedAVONMORE | ₹392 Cr | 25.74 | — | 11.4% | — | 8.3% | — | -27.6% |
As of Q4 FY26
Financials
Ceejay Finance
BSE: CEEJAY · Non Banking Financial Company (NBFC)
Limited coverage
We are not actively covering this company or have limited coverage today. Click to request coverage.
Snapshot
Unlock Ceejay Finance's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Ceejay Finance is a Gujarat-based non-banking financial company specialising in asset financing, particularly for two, three, and four-wheelers. The firm also provides personal loans and microfinance solutions, while maintaining diversified interests in wind power generation and insurance brokerage.
Business Model
The company generates revenue primarily through interest income from its retail lending portfolio and credit facilities. It further supplements its income streams through insurance brokerage commissions and the generation of wind power.
Management Commentary
Management maintains a conservative growth strategy that prioritises credit quality and the cultivation of long-standing, localised customer relationships within its regional markets.
Growth Outlook
Growth is driven by the company's focus on small-ticket retail lending in underserved rural and semi-urban segments of Western India. The firm continues to leverage its established regional presence to expand its core vehicle financing operations.
Key Risks
- Credit Risk. The company faces potential losses from defaults in its retail lending portfolio, particularly among underserved segments with limited credit history.
- Geographic Concentration. Operations are heavily concentrated in Western India, making the firm vulnerable to regional economic downturns or localised regulatory changes.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its target customer base.
- Regulatory Risk. As an NBFC, the company is subject to evolving regulatory frameworks and compliance requirements set by the Reserve Bank of India.
Start your research today
Unlock AI insights, financials, peers and live data on Ceejay Finance and 5,000+ companies — free.
Key Metrics
REVENUE
₹27 Cr
TTM · standalone
NET PROFIT
₹8 Cr
TTM · standalone
EPS
₹22.37
TTM · standalone
RETURN ON EQUITY
9.9%
TTM · standalone
P/E
8.0x
Q4 FY26 · standalone
NET PROFIT MARGIN
31.1%
Q4 FY26 · standalone
Peers · Non Banking Financial Company (NBFC)
As of Q4 FY26