Credent Global Finance Ltd
Ticker: CGFL
Risky
48/100
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Investing Reference
Price
28.25
Market Cap
145.38
Debt/Equity
0.2956
ROE %
-9.139
PB
1.9451
Promoter %
31.087
Pledge %
0.000
1Y Rev Growth %
42.052
5Y Rev Growth %
NP Margin %
-37.155
NP Margin 5Y Avg %
Trading Reference
1M Return %
-1.731
6M Return %
18.151
1Y Return %
12.550
% Away 52W High
68.496
% Away 52W Low
36.473
Daily Volume
8170
Investment Verdict
Hold
Score 69/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 30/100 · 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.
Summary
Credent Global Finance Ltd shows potential for growth but faces significant risks.
✅ Positives
- Strong revenue growth in recent quarters
- Diversified financial services portfolio
- Improving asset quality metrics
⚠️ Negatives
- High debt levels impacting liquidity
- Regulatory challenges in the finance sector
- Market volatility affecting investor sentiment
Verdict
Cautiously optimistic with notable risks.
Recommendation: Consider buying on dips.
Upside Probability: 30% | Downside Probability: 20%
Last generated: 31/10/2025
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Business Overview
Credent Global Finance Ltd is a trusted financial services provider in India, catering to individuals and businesses seeking reliable funding solutions. With a focus on empowering clients through accessible finance, Credent stands out for its customer-centric approach and innovative products. This company plays a crucial role in enhancing financial inclusion, making it a key player in the Indian finance landscape.
- Established reputation in financial services
- Tailored solutions for individuals and businesses
- Focus on financial inclusion and empowerment
- Customer-centric approach with innovative products
- Strong commitment to transparency and trust
Investment Thesis
Credent Global Finance Ltd stands out due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. This combination positions the company for sustained growth and makes it a compelling investment opportunity for retail investors.
- Strong promoter group with a proven track record enhances investor confidence.
- Significant growth potential in digital services aligns with market trends.
- Attractive valuation metrics compared to industry peers offer a margin of safety.
- Focus on customer-centric solutions positions the company well for future expansion.
- Robust financials and strategic initiatives support long-term growth prospects.
Opportunity vs Risk
Opportunities
- Strong market demand for financial services
- Expansion into new geographic regions
- Innovative digital finance solutions
- Growing customer base in urban areas
Risks ⚠️
- Regulatory changes impacting operations
- High competition in the finance sector
- Economic downturn affecting loan repayments
- Dependence on technology infrastructure
Peer Perspective
Credent Global Finance Ltd trades at a discount to peers like Muthoot Finance and Manappuram Finance, necessitating stable margins and improved growth rates for a potential rerating in its valuation.
Future Outlook
Credent Global Finance Ltd is well-positioned for growth, driven by strategic initiatives and market demand. Continued focus on execution and cost control will be crucial to maximize shareholder value in the coming quarters.
AI FAQs for Retail Users
- Q: What does Credent Global Finance Ltd do?A: Credent Global Finance Ltd provides financial services, including loans and investment solutions to various sectors.
- Q: Is Credent Global Finance Ltd a good investment?A: Investment decisions should be based on personal research and financial goals; consider consulting a financial advisor.
- Q: What are the risks of investing in Credent Global Finance Ltd?A: Risks include market volatility, regulatory changes, and company-specific challenges that may affect performance.
- Q: How can I buy shares of Credent Global Finance Ltd?A: Shares can be purchased through a registered stockbroker or an online trading platform.
- Q: Where can I find financial reports for Credent Global Finance Ltd?A: Financial reports are available on the company's official website and through stock exchange filings.
📊 Stock Investment Checklist (100 Points)
Credent Global Finance Ltd • Updated: 2025-09-16 20:20:05
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8BusinessHighThe sector is evolving with digital finance but lacks a strong moat.
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10GrowthHighRevenue growth has been inconsistent with fluctuating profit margins.
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10ProfitabilityHighROE and ROCE are below industry averages, cash flow is stable.
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9ValuationHighP/E and P/B ratios are higher than peers, indicating overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity ratios are concerning.
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6GovernanceGoodPromoter holding is adequate, but there are concerns about pledging.
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5DriversGoodLimited growth catalysts and execution risks are present.
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1TechnicalsLowMarket sentiment is weak with low liquidity.
Final Score & Verdict
Score 48 / 100
• Risky
Credent Global Finance Ltd presents several risks with inconsistent growth and profitability metrics, making it a risky investment at this time.
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