BSE:531206

Stock Analysis Report

Executive Summary

Kwality Credit & Leasing Limited operates as a non-banking financial company in India.

Snowflake

Fundamentals

Imperfect balance sheet and overvalued.

Risks

  • Kwality Credit & Leasing's last earnings update was 369 days ago.
  • Kwality Credit & Leasing is not covered by any analysts.

Share Price & News

How has Kwality Credit & Leasing's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

BSE:531206

-1.8%

IN Consumer Finance

-0.7%

IN Market


1 Year Return

23.8%

BSE:531206

0.5%

IN Consumer Finance

-12.1%

IN Market

531206 outperformed the Consumer Finance industry which returned 0.2% over the past year.

531206 outperformed the Market in India which returned -12.1% over the past year.


Share holder returns

531206IndustryMarket
7 Day0%-1.8%-0.7%
30 Day-2.0%-4.1%-4.6%
90 Day-6.7%-1.2%-4.3%
1 Year23.8%23.8%1.1%0.5%-10.3%-12.1%
3 Year-23.2%-23.2%64.9%61.4%18.9%12.8%
5 Year-83.4%-83.4%246.0%229.7%37.6%24.7%

Price Volatility Vs. Market

How volatile is Kwality Credit & Leasing's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Kwality Credit & Leasing undervalued based on future cash flows and its price relative to the stock market?

0.4x

Price to Book (PB) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Kwality Credit & Leasing to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Kwality Credit & Leasing to establish if it is available at substantial discount.


Price Based on Earnings

Kwality Credit & Leasing is loss making, we can't compare its value to the IN Consumer Finance industry average.

Kwality Credit & Leasing is loss making, we can't compare the value of its earnings to the India market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Kwality Credit & Leasing, we can't assess if its growth is good value.


Price Based on Value of Assets

Kwality Credit & Leasing is good value based on assets compared to the IN Consumer Finance industry average.


Next Steps

Future Growth

How is Kwality Credit & Leasing expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

17.5%

Forecasted Consumer Finance industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Kwality Credit & Leasing has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of 531206’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Kwality Credit & Leasing competitive advantages and company strategy can generally be found in its financial reports archived here.
  • Explore growth companies in the diversified financials industry.

Past Performance

How has Kwality Credit & Leasing performed over the past 5 years?

-62.4%

Last years earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Kwality Credit & Leasing does not make a profit and there is insufficient past data to establish if their 5 year on year earnings growth rate was positive.

Unable to compare Kwality Credit & Leasing's 1-year earnings growth to the 5-year average as it is not currently profitable.

Unable to compare Kwality Credit & Leasing's 1-year growth to the IN Consumer Finance industry average as it is not currently profitable.


Return on Equity

It is difficult to establish if Kwality Credit & Leasing has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.


Return on Assets

It is difficult to establish if Kwality Credit & Leasing has efficiently used its assets last year compared to the IN Consumer Finance industry average (Return on Assets) as it is loss-making.


Return on Capital Employed

It is difficult to establish if Kwality Credit & Leasing improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.


Next Steps

Financial Health

How is Kwality Credit & Leasing's financial position?


Financial Position Analysis

Kwality Credit & Leasing's short term (1 year) commitments are greater than its holdings of cash and other short term assets.

Kwality Credit & Leasing's cash and other short term assets cover its long term commitments.


Debt to Equity History and Analysis

Kwality Credit & Leasing's level of debt (24.4%) compared to net worth is satisfactory (less than 40%).

Unable to establish if Kwality Credit & Leasing's debt level has increased without past 5-year debt data.

Unable to verify if debt is well covered by operating cash flow as Kwality Credit & Leasing has not reported sufficient balance sheet data.

Kwality Credit & Leasing is making a loss, therefore interest payments are not well covered by earnings.


Balance Sheet

Low level of unsold assets.

Debt is not covered by short term assets, assets are 0.5x debt.


Next Steps

Dividend

What is Kwality Credit & Leasing's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Kwality Credit & Leasing's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Kwality Credit & Leasing's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Kwality Credit & Leasing has not reported any payouts.

Unable to verify if Kwality Credit & Leasing's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Kwality Credit & Leasing has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Kwality Credit & Leasing's salary, the management and board of directors tenure and is there insider trading?

7.1yrs

Average board tenure


CEO

Bhagwan Soni (54yo)

6.6yrs

Tenure

₹300,000

Compensation

Mr. Bhagwan Das Soni has been the Managing Director of Kwality Credit & Leasing Limited since January 1, 2013 and serves its Compliance Officer. Mr. Soni serves as Chairman of Kwality Credit & Leasing Limi ...


CEO Compensation Analysis

Bhagwan's remuneration is lower than average for companies of similar size in India.

Bhagwan's compensation has increased whilst company is loss making.


Board Age and Tenure

7.1yrs

Average Tenure

54yo

Average Age

The tenure for the Kwality Credit & Leasing board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Bhagwan Soni (54yo)

    MD, Compliance Officer & Executive Non-Independent Director

    • Tenure: 6.6yrs
    • Compensation: 300.00k
  • Subrata Dutta

    Chief Financial Officer

    • Tenure: 4.3yrs
    • Compensation: 78.00k

Board Members

  • Bhagwan Soni (54yo)

    MD, Compliance Officer & Executive Non-Independent Director

    • Tenure: 7.1yrs
    • Compensation: 300.00k
  • Suresh Jain (62yo)

    Non-Executive Independent Director

    • Tenure: 7.1yrs
  • Amu Thapa (43yo)

    Non-Executive Chairman

  • Babita Shah

    Non-Executive Independent Director

    • Tenure: 2.3yrs

Company Information

Kwality Credit & Leasing Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Kwality Credit & Leasing Limited
  • Ticker: 531206
  • Exchange: BSE
  • Founded: 1992
  • Industry: consumer finance
  • Sector: diversified financials
  • Market Cap: ₹44.085m
  • Shares outstanding: 4.22m
  • Website: Click here

Number of Employees


Location

  • Kwality Credit & Leasing Limited
  • 7, Lyons Range
  • 3rd Floor
  • Kolkata
  • West Bengal
  • 700001
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
531206BSE (Mumbai Stock Exchange)YesEquity SharesININROct 2011

Biography

Kwality Credit & Leasing Limited operates as a non-banking financial company in India. It offers leasing and financial services, such as hypothecation of vehicles, equipment, and machineries; and lease syn ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/17 12:33
End of Day Share Price2019/07/19 00:00
Earnings2018/03/31
Annual Earnings2018/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.