ftInvstr
CGCL · Financial Services ₹281.2 +3.34% Mkt Cap ₹26843 Cr

CGCL

Financial Services Credit Services
₹281.2
+3.34% today · 30d +16.7%
as of 2026-09-04
Price · Daily Candles
“CGCL's strong Q4 profit surge overshadowed by flat promoter holding: FIIs increase stake.”
CGCL delivered a strong Q4 2026, with revenue up 89.06% YoY and net profit soaring 78.67% YoY. Annual net profit grew 98.35% for FY26 to ₹949 Cr. Despite this, promoter shareholding remained flat QoQ at 59.92%, while FIIs increased their stake by 1.12%.
BULL CASE
+Q4 revenue surged 89.06% YoY to ₹1385 Cr, with net profit up 78.67% YoY to ₹283 Cr.
+Annual net profit grew 98.35% YoY to ₹949 Cr for the financial year ending March 31, 2026.
+The company's P/E (TTM) stands at 18.83, lower than the forward P/E of 10.5, suggesting potential future earnings growth.
+Sales growth predictions show a strong outlook with a rank of 0.705 for recent 2-year sales, translating to a strong ML signal.
BEAR CASE
Operating profit margin (OPM) saw a decrease of 3.93% YoY in Q4 2026.
The stock is trading at a P/B of 2.55, which is notably higher than its book value of ₹74.72.
Free Cash Flow for the company is negative, at -₹8787 Cr, resulting in a FCF yield of -47.87%, indicating that it is not generating positive cash flow from operations.
ML predictions for Free Cash Flow (FCF) are weak, with a rank of 0.0 for rolling 4-year FCF and 0.061 for stable 7-year FCF.
⟳ What Changed
₹ Latest Earnings · Q ending 2026-03-31
REVENUE
₹1385 Cr
+89.06% YoY
NET PROFIT
₹283 Cr
+78.67% YoY
OPM
65.02%
-3.93pp YoY
EPS
₹2.94
PE 18.83
Intrinsic value · DCF: N/A — Company is currently free-cash-flow negative (-32.7% of mktcap). DCF assumes a going concern generating positive cash flow; a meaningful intrinsic value can only be computed once FCF turns positive. Use the Strategy Fit and ML sections instead.
◇ Sector Position
CGCL's P/E of 18.83 places it near industry peers like SHRIRAMFIN (22.35) and MUTHOOTFIN (25.08), while its profitability compared to peers is unavailable without its ROCE.
PEERPEROCE %
CGCL18.83
BAJFINANCE30.415.38
SHRIRAMFIN22.354.57
PFC5.533.46
+ 2 more peers — sign in to view
ML Forward Growth Predictions 🔒

9 ML-predicted forward-growth ranks across sales, EBIT, and FCF.

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80
SCORE / 100
Overall
6-axis composite of the sections below.
Performance STRONG 100
Valuation CHEAP 75
Growth STRONG 85
Profitability HIGH 100
Technicals NEUTRAL 68
Risk MODERATE 50
Key Stats
TTM PE
18.83
P/B
2.55
52W HIGH
₹284.8
OFF HIGH
-1.26%
DIV YIELD
0.11%
MKT CAP
₹26843 Cr
◉ Active Signals
MACDBullish4.4564
RSI(14)Bearish71.7
Near 52W HighBullish-1.26
Street Consensus
5 analysts
₹233.0
mean target
Low ₹190.0Now ₹281.2High ₹250.0
⧉ Strategy Fit 🔒

See which of ftInvstr's 50+ strategies hold CGCL and at what entry.

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