Ceejay Finance

Why is Ceejay Finance Ltd falling/rising?

As of 24-Aug, Ceejay Finance Ltd's stock price is Rs 163.70, down 6.16%, with significant volatility and underperformance compared to its sector and the benchmark Sensex. The stock has seen a drastic drop in investor participation and is trading below all major moving averages, indicating a challenging market environment.

As of 24-Aug, Ceejay Finance Ltd's stock price is falling, currently at Rs 163.70, which reflects a decrease of Rs 10.75 or 6.16%. This decline is evident in the stock's performance over various periods, including a 1-week drop of 12.79%, while the benchmark Sensex only fell by 0.46%. Additionally, the stock has underperformed its sector by 5.21% today.<BR><BR>The stock opened with a gain of 4.3% but quickly reached an intraday low of Rs 160.7, indicating high volatility with an intraday fluctuation of 6.2%. Despite touching a high of Rs 181.95 earlier in the day, the overall trend remains negative, as Ceejay Finance is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages.<BR><BR>Furthermore, there has been a significant drop in investor participation, with delivery volume on August 20 falling by 93.69% compared to the 5-day average. This lack of engagement, combined with the stock's erratic trading behavior—having not traded on one day out of the last 20—contributes to the downward pressure on the stock price. Overall, these factors indicate a challenging environment for Ceejay Finance Ltd, leading to its current decline in stock price.

Which are the latest news on Ceejay Finance?

Should I buy, sell or hold Ceejay Finance Ltd?

Who are in the management team of Ceejay Finance?

The management team of Ceejay Finance includes Deepak Patel (Managing Director), Kiran Patel (Chairman), Shailesh Patel (Director), and several independent directors: Bharat Amin, Sunil Patel, and Mrudulaben Patel, along with Shailesh Bharvad and Kamlesh Upadhyaya as Company Secretaries.

The management team of Ceejay Finance includes the following individuals:<BR><BR>1. **Deepak Patel** - Managing Director<BR>2. **Kiran Patel** - Chairman<BR>3. **Shailesh Patel** - Director<BR>4. **Bharat Amin** - Independent Director<BR>5. **Sunil Patel** - Independent Director<BR>6. **Mrudulaben Patel** - Independent Director<BR>7. **Shailesh Bharvad** - Company Secretary<BR>8. **Kamlesh Upadhyaya** - Company Secretary & Compliance Officer<BR><BR>If you have any more questions about Ceejay Finance or its operations, feel free to ask!

What does Ceejay Finance do?

Ceejay Finance Ltd is a Non Banking Financial Company focused on asset financing, with a market cap of INR 64 Cr and recent net sales of 7 Cr and net profit of 2 Cr as of March 2026. The company, formerly Heritage Packaging Limited, was incorporated in 1993 in Gujarat.

Overview:<BR>Ceejay Finance Ltd is a Non Banking Financial Company (NBFC) operating in the micro cap market, primarily focused on asset financing.<BR><BR>History:<BR>Ceejay Finance Ltd, formerly known as Heritage Packaging Limited, was incorporated as a Public Limited Company in March 1993 in Gujarat. The latest quarterly results reported net sales and net profit for the period ending March 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 7 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 2 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 64 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 8.00 <BR>Industry P/E: 223 <BR>Dividend Yield: 0.67% <BR>Debt-Equity: 0.62 <BR>Return on Equity: 10.18% <BR>Price to Book: 0.81 <BR><BR>Contact Details:<BR>Address: C J House, Mota Pore Nadiad Gujarat : 387001 <BR>Tel: 91-0268-256233 <BR>Email: kpucj@yahoo.co.in <BR>Website: http://www.ceejayfinance.com

Who are the peers of the Ceejay Finance?

Ceejay Finance's peers include BAMPSL Sec., HB Portfolio, Capfin India, Odyssey Corpn., Real Touch Fin, Arman Holdings, Ladderup Finance, and Apoorva Leasing. Ceejay Finance has below average management and growth, with a 1-year return of -11.57%, better than Odyssey Corpn. (-24.52%) but worse than Arman Holdings (19.00%).

Peers: The peers of Ceejay Finance are BAMPSL Sec., HB Portfolio, Capfin India, Odyssey Corpn., Real Touch Fin, Arman Holdings, Ladderup Finance, and Apoorva Leasing.<BR><BR>Quality Snapshot: Excellent management risk is observed at BAMPSL Sec., HB Portfolio, Capfin India, Odyssey Corpn., Real Touch Fin, Arman Holdings, Ladderup Finance, and Apoorva Leasing, while Below Average management risk is found at Ceejay Finance. Good growth is noted at Real Touch Fin, while Average growth is found at Ceejay Finance and Ladderup Finance, and the rest have Below Average growth. Excellent capital structure is present at BAMPSL Sec., HB Portfolio, Capfin India, Odyssey Corpn., Real Touch Fin, and Apoorva Leasing, while Good capital structure is seen at Arman Holdings, and the rest have Average capital structure.<BR><BR>Return Snapshot: Arman Holdings has the highest 1-year return at 19.00%, while Odyssey Corpn. has the lowest at -24.52%, with Ceejay Finance's 1-year return at -11.57% being better than Odyssey Corpn. but worse than Arman Holdings. Additionally, the six-month return is negative for Odyssey Corpn., Ladderup Finance, and Apoorva Leasing.

Are Ceejay Finance Ltd latest results good or bad?

Ceejay Finance Ltd's latest results show strong profit growth with a net profit increase of 32.70% year-on-year, but revenue declined by 9.35%, raising concerns about sustainable growth. While improved operating margins indicate efficiency, the overall mixed signals suggest caution for investors.

Ceejay Finance Ltd's latest results present a mixed picture. On one hand, the company reported a net profit of ₹2.11 crores for Q4 FY26, which is a significant increase of 32.70% year-on-year and 25.60% quarter-on-quarter. This indicates strong profitability growth despite the challenges faced.<BR><BR>However, the revenue for the same quarter declined by 9.35% year-on-year, totaling ₹6.79 crores, although it did show a slight sequential improvement of 1.49%. This contraction in revenue raises concerns about the company’s ability to sustain growth, suggesting that the profit increase is driven more by margin expansion rather than actual business growth.<BR><BR>The operating margin improved significantly to 58.17%, up from 44.59% a year ago, which reflects operational efficiency. Yet, the underlying revenue decline indicates potential challenges in maintaining this profitability in the long run.<BR><BR>Overall, while the profitability metrics are encouraging, the revenue contraction and the structural weaknesses in return metrics, such as a return on equity of only 9.30%, suggest that the results are not entirely positive. Investors should be cautious and consider the broader implications of these mixed signals.

How big is Ceejay Finance?

As of 13th August, Ceejay Finance Ltd has a market capitalization of 64.00 Cr, with recent Net Sales of 26.54 Cr and a Net Profit of 7.72 Cr. Shareholder's Funds are 75.83 Cr and Total Assets amount to 125.12 Cr as of March 2025.

As of 13th August, Ceejay Finance Ltd has a market capitalization of 64.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, Ceejay Finance reported Net Sales of 26.54 Cr and a Net Profit of 7.72 Cr.<BR><BR>The latest annual period for the balance sheet is March 2025, with Shareholder's Funds amounting to 75.83 Cr and Total Assets of 125.12 Cr.

How has been the historical performance of Ceejay Finance?

Ceejay Finance has shown consistent growth in net sales and profits, with net sales increasing from 14.79 Cr in Mar'19 to 26.29 Cr in Mar'25, and profit after tax rising from 4.82 Cr to 6.80 Cr in the same period. However, the company faces challenges with negative cash flow from operating activities, despite positive cash flow from financing activities.

Answer:<BR>The historical performance of Ceejay Finance shows a consistent growth trend in net sales and profits over the years, with notable increases in recent periods.<BR><BR>Breakdown:<BR>Ceejay Finance's net sales have risen from 14.79 Cr in Mar'19 to 26.29 Cr in Mar'25, reflecting a steady upward trajectory. Total operating income has followed a similar pattern, reaching 26.29 Cr in Mar'25, up from 14.79 Cr in Mar'19. The company's total expenditure has also increased, from 8.01 Cr in Mar'19 to 16.68 Cr in Mar'25, primarily driven by rising employee costs and other expenses. Operating profit (PBDIT) has shown growth, reaching 9.71 Cr in Mar'25 compared to 6.81 Cr in Mar'19, although the operating profit margin has fluctuated, peaking at 45.41% in Mar'23 before dropping to 36.55% in Mar'25. Profit before tax has increased to 9.31 Cr in Mar'25 from 6.66 Cr in Mar'19, while profit after tax has reached 6.80 Cr in Mar'25, up from 4.82 Cr in Mar'19. The company's total assets have grown significantly from 78.73 Cr in Mar'20 to 125.12 Cr in Mar'25, alongside total liabilities which increased from 71.11 Cr to 125.12 Cr in the same period. Cash flow from operating activities has been negative in recent years, with a notable decline to -13.00 Cr in Mar'25, contrasting with positive cash flows from financing activities, which reached 13.00 Cr in Mar'25. Overall, Ceejay Finance has demonstrated robust growth in sales and profits, although it faces challenges in cash flow management.

Is Ceejay Finance overvalued or undervalued?

As of October 20, 2025, Ceejay Finance is considered undervalued with a PE ratio of 9.79 and a valuation grade of attractive, especially compared to peers like Bajaj Finance, and despite a recent year-to-date decline, it has shown significant long-term growth potential with an 86.01% gain over three years.

As of 20 October 2025, Ceejay Finance's valuation grade has moved from fair to attractive, indicating a more favorable assessment of its financial standing. The company is currently considered undervalued, with a PE ratio of 9.79, a Price to Book Value of 0.87, and an EV to EBITDA of 8.27. These ratios suggest that the stock is trading at a discount compared to its earnings and book value.<BR><BR>In comparison to its peers, Ceejay Finance's valuation metrics stand out positively. For instance, Bajaj Finance is categorized as very expensive with a PE ratio of 38.6, while Life Insurance is considered very attractive with a PE of 11.57. This highlights Ceejay Finance's relative affordability in the market. Additionally, despite recent underperformance with a year-to-date return of -34.42% compared to the Sensex's 7.97%, the long-term performance over three years shows a significant gain of 86.01%, reinforcing the potential for recovery and value in the stock.

When is the next results date for Ceejay Finance?

Ceejay Finance will declare its results on 12 August 2025.

Ceejay Finance will declare its results on 12 August 2025.

What is the technical trend for Ceejay Finance?

As of June 4, 2025, Ceejay Finance's trend is mildly bearish, supported by daily moving averages and monthly indicators, despite some bullish signals on the weekly charts.

As of 4 June 2025, the technical trend for Ceejay Finance has changed from sideways to mildly bearish. The current stance is mildly bearish, driven primarily by the daily moving averages indicating a bearish trend. The weekly MACD and KST are mildly bullish, but the monthly indicators show a bearish outlook. Bollinger Bands on the monthly timeframe also confirm a bearish trend. Overall, while there are some bullish signals on the weekly charts, the prevailing sentiment remains bearish due to the daily moving averages and the monthly MACD.

Who are the top shareholders of the Ceejay Finance?

The top shareholders of Ceejay Finance include Harshadbhai Natverlal Dalal Huf with 6.02%, Kimi Business Investments Advisors LLP with 4.1%, and individual investors holding a collective 22.59%. There are no mutual funds or foreign institutional investors involved.

The top shareholders of Ceejay Finance include the promoters, who hold the majority of the shares. The promoter with the highest holding is Harshadbhai Natverlal Dalal Huf, owning 6.02% of the company. Additionally, Kimi Business Investments Advisors LLP is the highest public shareholder, holding 4.1%. Individual investors collectively hold 22.59% of the shares. There are no mutual funds or foreign institutional investors currently holding shares in the company.

Has Ceejay Finance declared dividend?

Ceejay Finance Ltd has declared a 12% dividend, amounting to 1.2 per share, with an ex-date of September 13, 2024. While recent total returns have been negative, the company has shown significant growth over the longer term, particularly with a total return of 247.27% over the past five years.

Ceejay Finance Ltd has declared a 12% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 12%<BR>- Amount per share: 1.2<BR>- Ex-date: 13 Sep 24<BR><BR>Dividend Yield: 0.6%.<BR><BR>Total Returns by Period:<BR>In the last 6 months, the price return was -18.96%, with a dividend return of 0%, resulting in a total return of -18.96%.<BR><BR>Over the past year, the price return was -1.82%, the dividend return was 0.59%, leading to a total return of -1.23%.<BR><BR>In the 2-year period, the price return was 49.17%, the dividend return was 1.75%, culminating in a total return of 50.92%.<BR><BR>For the 3-year period, the price return was 97.17%, with a dividend return of 3.37%, resulting in a total return of 100.54%.<BR><BR>In the last 4 years, the price return was 142.96%, the dividend return was 5.02%, giving a total return of 147.98%.<BR><BR>Over the 5-year period, the price return was 239.33%, with a dividend return of 7.94%, leading to a total return of 247.27%.<BR><BR>Overall, Ceejay Finance Ltd has declared a dividend, and while the recent total returns have been negative in the short term, the longer-term returns show significant growth, particularly over the 5-year period.