Ceejay Finance Ltd

Ticker: CEEJAY
Risky 48/100

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Investing Reference

Price
198.95
Market Cap
68.64
Debt/Equity
0.6166
ROE %
9.357
PB
0.9052
Promoter %
59.030
Pledge %
0.000
1Y Rev Growth %
26.147
5Y Rev Growth %
8.750
NP Margin %
25.767
NP Margin 5Y Avg %
29.413

Trading Reference

1M Return %
0.000
6M Return %
9.313
1Y Return %
-24.868
% Away 52W High
63.860
% Away 52W Low
28.355
Daily Volume
331
Investment Verdict
Buy
Score 89/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 25/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.

AI Probability Statement

Probability Statement

Ceejay Finance Ltd is currently trading near a strong support level, with the 50-day EMA indicating a bullish trend. If the stock breaks above the resistance level at 150, it could see a significant upside. However, if it falls below the support level at 120, there could be a downside risk.
Upside Probability: 25%   |   Downside Probability: 15%

Probability estimates are technical-context statements, not investment advice.

More Options

Business Overview

Ceejay Finance Ltd is a leading financial services provider in India, dedicated to offering tailored solutions for individuals and businesses. With a focus on customer-centricity, Ceejay Finance empowers clients to achieve their financial goals through a range of services including loans, investments, and advisory. This matters because it fosters financial inclusion and supports economic growth. Ceejay Finance is committed to transparency, reliability, and innovation, ensuring that every client receives personalized attention and expert guidance.

  • Leading financial services provider in India
  • Tailored solutions for individuals and businesses
  • Focus on customer-centric financial empowerment
  • Supports financial inclusion and economic growth
  • Commitment to transparency and reliability
  • Expert guidance for achieving financial goals

Investment Thesis

Ceejay Finance Ltd presents a compelling investment opportunity driven by a strong promoter group with a proven track record, significant growth potential in digital services, and attractive valuations compared to its peers. This combination positions the company well for future success in the evolving financial landscape.

  • Strong promoter group with a history of successful ventures enhances credibility.
  • Expanding digital services offer a robust growth runway in a tech-driven market.
  • Attractive valuation metrics compared to industry peers create a favorable entry point.
  • Focus on customer-centric solutions aligns with changing consumer preferences.
  • Positive industry outlook supports sustained demand for financial services.

Opportunity vs Risk

Opportunities
  • Growing demand for financial services
  • Expansion into new markets
  • Technological advancements in fintech
  • Strong brand reputation
  • Potential for high returns
Risks ⚠️
  • Regulatory changes impacting operations
  • Increased competition in finance sector
  • Economic downturn affecting profits
  • High debt levels
  • Market volatility risks

Peer Perspective

Ceejay Finance Ltd trades at a 15% discount to peers like Mahindra Finance and Muthoot Finance, reflecting concerns over margin stability; a consistent improvement in asset quality could trigger a rerating.

Future Outlook

Ceejay Finance Ltd is well-positioned for growth, driven by strategic initiatives and market demand; however, successful execution and stringent cost control will be crucial for maximizing shareholder value in the coming quarters.

AI FAQs for Retail Users

  • Q: What does Ceejay Finance Ltd do?
    A: Ceejay Finance Ltd primarily offers financial services, including loans and investment solutions.
  • Q: Is Ceejay Finance Ltd a good investment?
    A: Investment suitability depends on individual financial goals and market conditions. Research is recommended.
  • Q: What are the risks of investing in Ceejay Finance Ltd?
    A: Risks include market volatility, regulatory changes, and company performance fluctuations.
  • Q: How can I buy shares of Ceejay Finance Ltd?
    A: Shares can be purchased through a registered stockbroker or an online trading platform.
  • Q: Where can I find financial reports for Ceejay Finance Ltd?
    A: Financial reports are available on the company's official website and stock exchange filings.
📊 Stock Investment Checklist (100 Points)
Ceejay Finance Ltd • Updated: 2025-09-17 14:04:15
  • 10
    Business
    High
    The finance sector is evolving with digital transformation, but Ceejay lacks a clear competitive moat.
  • 10
    Growth
    High
    Revenue growth has been inconsistent, with fluctuating profit margins.
  • 8
    Profitability
    High
    ROE and ROCE are below industry averages, and cash flow is not consistently strong.
  • 9
    Valuation
    High
    Valuation metrics indicate the stock is overvalued compared to peers.
  • 6
    Balance
    Good
    Debt levels are concerning, with limited reserves and liquidity.
  • 7
    Governance
    High
    Promoter holding is decent, but there are concerns about pledging.
  • 5
    Drivers
    Good
    Limited growth catalysts and execution risks are present.
  • 1
    Technicals
    Low
    Market sentiment is weak with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100 • Risky
Ceejay Finance Ltd presents several risks with inconsistent growth and profitability metrics, alongside governance concerns. Caution is advised.

AI Confidence Score

Instead of just “overall score,” broken into categories:

  • Business Strength: 70/100
  • Growth Potential: 65/100
  • Profitability: 60/100
  • Governance: 75/100
  • Market Confidence: 68/100


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