BSE:MUDITFN

Stock Analysis Report

Executive Summary

Mudit Finlease Limited, a non-banking finance company, engages in the investment, securities trading, and finance activities in India.

Snowflake

Fundamentals

Excellent balance sheet with acceptable track record.

Risks

  • Mudit Finlease is not covered by any analysts.

Share Price & News

How has Mudit Finlease's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

BSE:MUDITFN

-1.8%

IN Consumer Finance

-0.7%

IN Market


1 Year Return

-7.7%

BSE:MUDITFN

0.5%

IN Consumer Finance

-12.1%

IN Market

MUDITFN underperformed the Consumer Finance industry which returned 19.9% over the past year.

MUDITFN underperformed the Market in India which returned 1.2% over the past year.


Share holder returns

MUDITFNIndustryMarket
7 Day0%-1.8%-0.7%
30 Day0%-4.1%-4.6%
90 Day5.0%-1.2%-4.3%
1 Year-7.7%-7.7%1.1%0.5%-10.3%-12.1%
3 Year7.9%7.9%64.9%61.4%18.9%12.8%
5 Year-34.4%-34.9%246.0%229.7%37.6%24.7%

Price Volatility Vs. Market

How volatile is Mudit Finlease's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Mudit Finlease undervalued based on future cash flows and its price relative to the stock market?

24.28x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Mudit Finlease's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Mudit Finlease's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Mudit Finlease is overvalued based on earnings compared to the IN Consumer Finance industry average.

Mudit Finlease is overvalued based on earnings compared to the India market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Mudit Finlease, we can't assess if its growth is good value.


Price Based on Value of Assets

Mudit Finlease is overvalued based on assets compared to the IN Consumer Finance industry average.


Next Steps

Future Growth

How is Mudit Finlease expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

-2.2%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Mudit Finlease is high growth as no revenue estimate data is available.

Mudit Finlease's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.

Unable to compare Mudit Finlease's revenue growth to the India market average as no estimate data is available.

Mudit Finlease's earnings are expected to decrease over the next 1-3 years, this is below the India market average.

Mudit Finlease's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 7.6%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Mudit Finlease will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Mudit Finlease performed over the past 5 years?

17.2%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Mudit Finlease's year on year earnings growth rate has been positive over the past 5 years.

Mudit Finlease's 1-year earnings growth is less than its 5-year average (3.2% vs 17.2%)

Mudit Finlease's earnings growth has not exceeded the IN Consumer Finance industry average in the past year (3.2% vs 25.3%).


Return on Equity

Mudit Finlease has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Mudit Finlease used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.


Return on Capital Employed

Mudit Finlease has significantly improved its use of capital last year versus 3 years ago (Return on Capital Employed).


Next Steps

Financial Health

How is Mudit Finlease's financial position?


Financial Position Analysis

Mudit Finlease is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

Mudit Finlease's cash and other short term assets cover its long term commitments.


Debt to Equity History and Analysis

Mudit Finlease's level of debt (21.5%) compared to net worth is satisfactory (less than 40%).

The level of debt compared to net worth has been reduced over the past 5 years (91.4% vs 21.5% today).

Operating cash flow is negative therefore debt is not well covered.

Interest payments on debt are well covered by earnings (EBIT is 7.1x coverage).


Balance Sheet

High level of physical assets or inventory.

Debt is covered by short term assets, assets are 2.9x debt.


Next Steps

Dividend

What is Mudit Finlease's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Mudit Finlease's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Mudit Finlease's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Mudit Finlease has not reported any payouts.

Unable to verify if Mudit Finlease's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Mudit Finlease 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 Mudit Finlease's salary, the management and board of directors tenure and is there insider trading?

10.7yrs

Average board tenure


CEO

Pavel Garg (50yo)

12.4yrs

Tenure

Mr. Pavel Garg has been Managing Director of Mudit Finlease Limited since October 2006 serves as its Chairman of the board. Mr. Garg has been Whole Time Director of Mudit Finlease Ltd since February 14, 20 ...


CEO Compensation Analysis

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

Pavel's compensation has been consistent with company performance over the past year.


Board Age and Tenure

10.7yrs

Average Tenure

49.5yo

Average Age

The average tenure for the Mudit Finlease board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month insider trading information.


Ownership Breakdown


Management Team

  • Pavel Garg (50yo)

    Promoter Executive Director

    • Tenure: 12.4yrs
  • Chandra Aggarwal

    Compliance Officer & Company Secretary

  • Lalita Katewa

    Chief Financial Officer

    • Tenure: 3.8yrs

Board Members

  • Yegnanarayanan Shankar (76yo)

    Non-Executive Independent Director

    • Tenure: 9.7yrs
  • Pavel Garg (50yo)

    Promoter Executive Director

    • Tenure: 14.1yrs
  • Poonam Garg (49yo)

    Non-Executive Promoter Director

    • Tenure: 11.7yrs
  • Anjali Prajapati (36yo)

    Non-Executive Independent Director

    • Tenure: 0.9yrs

Company Information

Mudit Finlease Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Mudit Finlease Limited
  • Ticker: MUDITFN
  • Exchange: BSE
  • Founded: 1989
  • Industry: consumer finance
  • Sector: diversified financials
  • Market Cap: ₹274.909m
  • Shares outstanding: 5.09m
  • Website: Click here

Number of Employees


Location

  • Mudit Finlease Limited
  • Mudit Square
  • Plot No. 24
  • Gurugram
  • Haryana
  • 122001
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
MUDITFNBSE (Mumbai Stock Exchange)YesEquity SharesININRMar 2010

Biography

Mudit Finlease Limited, a non-banking finance company, engages in the investment, securities trading, and finance activities in India. The company provides secured and unsecured loans and advances; and inv ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/03/26 12:56
End of Day Share Price2019/02/20 00:00
Earnings2018/12/31
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.