Ceejay Finance Limited (530789) Fair Value & Analysis

Other · IN · Market cap ₹482M

A solid business, screening 14% undervalued on our models.

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

What matters now

• The price is below even our cautious bear case (₹198.61). The market is more pessimistic than our downside scenario.
• Our model range runs from ₹198.61 (bear) to ₹258.19 (bull), base ₹198.61. The closer the price sits to the lower half, the larger the margin of safety.
• Quality 64/100 (solid quality) with high evidence: the data supports the verdict.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.

How to read this chart

60‑month range ₹67.90 – ₹311.09 · fair‑value band ₹198.61 – ₹258.19 · the ₹174.45 price screens below the ₹198.61 fair value. Dashed = 300-day average. As of Aug 13, 2026.

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Analysis

Ceejay Finance Limited (530789) currently trades at ₹174.45, while our model-based Fair Value estimate is ₹198.61, implying the stock looks roughly 13.9% undervalued today. The Quality Score stands at 64/100 (solid quality), in the Other sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Ceejay Finance Limited generated revenue of ₹170M at a net margin of 27.2%. Revenue declined 8.7% year over year. Net debt stands at ₹425M. The stock trades on a trailing P/E of 9.2 (as of Jul 4, 2026). Fundamentals as of Aug 13, 2026

Our scenario range runs from ₹198.61 (bear case) to ₹258.19 (bull case); at ₹174.45, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 18% below its 52-week high and 13% above its 52-week low, currently above its 200-day average. For context, the median of 10 Other peers we cover trades at -24% fair-value upside, at 14%, 530789 screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples (₹334.92) versus Growth DCF (₹21.17). Highest evidence: Growth DCF (80).

Key figures & financial health

Quality Score breakdown

About the company

Ceejay Finance Limited operates as a non-banking finance company in India. The company offers loans for new and used two and four wheelers; various vehicle loans; SME business loans; personal loans; loans against properties; and micro finance loans, as well as insurance services.

Full company description

Ceejay Finance Limited operates as a non-banking finance company in India. The company offers loans for new and used two and four wheelers; various vehicle loans; SME business loans; personal loans; loans against properties; and micro finance loans, as well as insurance services. It also provides refinance on two wheelers, three wheelers, four wheelers, and trucks and buses. The company was formerly known as Heritage Packaging Limited and changed its name to Ceejay Finance Limited in August 2001. Ceejay Finance Limited was incorporated in 1993 and is headquartered in Nadiad, India.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

Ceejay Finance Limited reported revenue of ₹265M in FY2026 versus ₹179M in FY2022, a compound +10.3%/yr. Reported net income was ₹77.2M in FY2026, compounding +11.6%/yr from FY2022.

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Peer Group

Other · 318 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Other median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.