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CUBICAL FINANCIAL vs ORACLE CREDIT - Comparison Results

Rs 100 invested in...

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Current Valuations

    CUBICAL FINANCIAL ORACLE CREDIT CUBICAL FINANCIAL/
ORACLE CREDIT
 
P/E (TTM) x 43.9 34.2 128.4% View Chart
P/BV x 0.8 6.2 12.7% View Chart
Dividend Yield % 0.0 0.3 -  

Financials

 CUBICAL FINANCIAL   ORACLE CREDIT
EQUITY SHARE DATA
    CUBICAL FINANCIAL
Mar-23
ORACLE CREDIT
Mar-23
CUBICAL FINANCIAL/
ORACLE CREDIT
5-Yr Chart
Click to enlarge
High Rs3341 1.0%   
Low Rs141 2.8%   
Income per share (Unadj.) Rs0.228.1 0.6%  
Earnings per share (Unadj.) Rs09.7 -0.5%  
Cash flow per share (Unadj.) Rs-330.715.6 -2,120.0%  
Dividends per share (Unadj.) Rs00.50 0.0%  
Avg Dividend yield %00.3 0.0%  
Book value per share (Unadj.) Rs2.135.2 5.9%  
Shares outstanding (eoy) m65.176.94 939.0%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x12.56.8 183.9%   
Avg P/E ratio x-50.919.7 -258.7%  
Avg P/CF ratio x010.4 0.1%  
Avg Price/Bookvalue ratio x1.15.4 19.8%  
Dividend payout %05.1 -0.0%   
Avg Mkt Cap Rs m1451,324 11.0%   
No. of employees `000NANA-   
Total wages & salary Rs m126 3.4%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m12195 6.0%  
Other income Rs m01 0.0%   
Interest expense Rs m019 0.0%   
Net interest income Rs m12176 6.6%  
Operating expense Rs m1467 20.2%   
Gross profit Rs m-2109 -1.8%  
Gross profit margin %-16.955.7 -30.4%  
Provisions/contingencies Rs m21,56260 36,026.2%   
Profit before tax Rs m-2101 -2.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m134 2.7%   
Profit after tax Rs m-367 -4.2%  
Net profit margin %-24.634.6 -71.1%  
BALANCE SHEET DATA
Advances Rs m00-   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-  
Cost of deposits %00-  
Net Interest Margin %062.2- 
Net fixed assets Rs m0120 0.0%   
Share capital Rs m13069 187.9%   
Free reserves Rs m5175 3.1%   
Net worth Rs m136245 55.5%   
Borrowings Rs m0384 0.0%   
Investments Rs m0282 0.0%   
Total assets Rs m138758 18.3%  
Debt/equity ratio x01.6 0.0%   
Return on assets %-2.18.9 -23.2%  
Return on equity %-2.127.5 -7.6%  
Capital adequacy ratio %00-  
Net NPAs %00-  
CASH FLOW
From Operations Rs m-2-236 1.0%  
From Investments Rs mNA-174 -0.0%  
From Financial Activity Rs mNA442 0.0%  
Net Cashflow Rs m-232 -7.4%  

Share Holding

Indian Promoters % 30.8 15.7 196.3%  
Foreign collaborators % 0.0 15.4 -  
Indian inst/Mut Fund % 0.0 0.3 -  
FIIs % 0.0 0.3 -  
ADR/GDR % 0.0 0.0 -  
Free float % 69.2 68.9 100.4%  
Shareholders   11,961 4,276 279.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CUBICAL FINANCIAL With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    AAVAS FINANCIERS    


More on CUBICAL FIN. vs ORACLE CREDIT

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

CUBICAL FIN. vs ORACLE CREDIT Share Price Performance

Period CUBICAL FIN. ORACLE CREDIT
1-Day 3.82% 1.91%
1-Month 7.24% -4.56%
1-Year -6.32% 24.21%
3-Year CAGR 0.62% 152.59%
5-Year CAGR 9.19% 63.34%

* Compound Annual Growth Rate

Here are more details on the CUBICAL FIN. share price and the ORACLE CREDIT share price.

Moving on to shareholding structures...

The promoters of CUBICAL FIN. hold a 30.8% stake in the company. In case of ORACLE CREDIT the stake stands at 31.1%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of CUBICAL FIN. and the shareholding pattern of ORACLE CREDIT.

Finally, a word on dividends...

In the most recent financial year, CUBICAL FIN. paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of -0.0%.

ORACLE CREDIT paid Rs 0.5, and its dividend payout ratio stood at 5.1%.

You may visit here to review the dividend history of CUBICAL FIN., and the dividend history of ORACLE CREDIT.

For a sector overview, read our finance sector report.



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