Ceejay Finance Limited (530789) Fair Value & Analysis
Other · IN · Market cap ₹482M
Fair value as of: Jul 4, 2026
From 24 valuation models · updated 4 days ago
Share price −5.0% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹156.50 – ₹208.72 · fair‑value band ₹205.52 – ₹279.84 · the ₹173.20 price screens below the ₹205.52 fair value. As of Jul 4, 2026.
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Ceejay Finance Limited (530789) currently trades at ₹173.20, while our model-based Fair Value estimate is ₹205.52 — implying the stock looks roughly 18.7% undervalued today. We read business quality at 58/100 (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. Fundamentals as of Jul 4, 2026
Our scenario range runs from ₹205.52 (bear case) to ₹279.84 (bull case); at ₹173.20, the current price sits below that range. The share trades about 19% 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 -16% fair-value upside — at 19%, 530789 screens cheaper than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 4, 2026. TTM = trailing twelve months.
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. 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.
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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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.
Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.