Ceejay Finance Ltd Stock Price Today (NSE: CEEJAY)
Fundamental Score
Ceejay Finance Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Ceejay Finance Ltd share price today is ₹175.75, down 4.97% on NSE/BSE as of 7 August 2026. Ceejay Finance Ltd (CEEJAY) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹58.60 (Cr). The 52-week high for CEEJAY share price is ₹214.00 and the 52-week low is ₹153.00. At a P/E ratio of 7.59x, CEEJAY is currently trading below its industry average P/E of 22.18x. The company has a Return on Equity (ROE) of 9.72% and a debt-to-equity ratio of 0.52.
Ceejay Finance Ltd Share Price Chart — NSE/BSE Historical Performance
Ceejay Finance Ltd share price chart: -1.27% return over the past month. 52-week high ₹214.00, 52-week low ₹153.00.
Ceejay Finance Ltd — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹194.00 | ₹194.00 | ₹175.75 | ₹175.75 | 138.00 (Cr) | |
| ₹185.00 | ₹185.00 | ₹185.00 | ₹184.95 | 1.00 (Cr) | |
| ₹179.75 | ₹179.75 | ₹179.75 | ₹179.75 | 2.00 (Cr) | |
| ₹164.00 | ₹174.60 | ₹162.60 | ₹174.00 | 124.00 (Cr) | |
| ₹168.00 | ₹171.00 | ₹165.15 | ₹171.00 | 98.00 (Cr) | |
| ₹165.90 | ₹173.80 | ₹165.90 | ₹173.80 | 7.00 (Cr) | |
| ₹165.90 | ₹165.90 | ₹165.80 | ₹165.80 | 1.07K (Cr) | |
| ₹168.00 | ₹175.90 | ₹168.00 | ₹174.50 | 61.00 (Cr) | |
| ₹168.45 | ₹168.45 | ₹168.45 | ₹168.45 | 0.00 (Cr) | |
| ₹168.15 | ₹176.00 | ₹168.15 | ₹168.45 | 1.08K (Cr) |
Ceejay Finance Ltd — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹164.00 | ₹194.00 | ₹162.60 | ₹175.75 | +7.16% | |
| ₹173.20 | ₹178.30 | ₹153.00 | ₹171.00 | -1.27% | |
| ₹175.65 | ₹183.90 | ₹160.55 | ₹173.20 | -1.39% | |
| ₹193.00 | ₹202.50 | ₹163.00 | ₹183.00 | -5.18% | |
| ₹171.00 | ₹202.60 | ₹170.00 | ₹202.60 | +18.48% | |
| ₹164.35 | ₹185.95 | ₹155.90 | ₹180.00 | +9.52% | |
| ₹174.00 | ₹196.25 | ₹162.00 | ₹164.35 | -5.55% | |
| ₹183.00 | ₹191.95 | ₹153.75 | ₹177.00 | -3.28% | |
| ₹182.05 | ₹190.00 | ₹160.80 | ₹174.45 | -4.17% | |
| ₹190.00 | ₹199.75 | ₹179.00 | ₹190.00 | +0.00% | |
| ₹206.00 | ₹206.00 | ₹178.60 | ₹195.00 | -5.34% | |
| ₹199.00 | ₹211.00 | ₹173.00 | ₹194.75 | -2.14% |
AI Research Briefing
Powered by Gemini · 2026-08-01
Deep-value regional lender trapped by declining sales, negative cash flows, and absolute institutional neglect.
WHAT'S HAPPENING NOW (last 2-4 weeks)
No major catalysts found after live search. Company passed routine administrative compliance filings including shareholder notice publications in July 2026 and recommended a final dividend of ₹1.50 per share in late May 2026. Operational triggers, big-ticket contract additions, or fresh strategic acquisitions are completely absent from recent disclosures.
CORE STORY (THE REAL GAME)
This is a sleepy regional micro-cap lending play anchored in Gujarat, not a high-velocity growth NBFC. Operating across retail two-wheeler, SME, and vehicle loans, Ceejay lacks the scale, tech infrastructure, or liability franchise to fight Tier-1 systemic lenders. Investors holding this are holding an illiquid dividend-paying micro-cap asset shell rather than a structural compounder.
- No major catalysts found after live search in recent weeks
- Latest quarterly sales contracted -9.35% YoY despite profit uptick
- Deep valuation discount with P/E at 7.59x vs industry 22.18x
- Sudden acceleration in SME and vehicle loan book deployment
- Strategic equity infusion or institutional entry
- Quarterly revenue trajectory reversal back into double-digit positive growth
- Micro/SME cap with extreme liquidity risk and zero institutional volume
- Cumulative 5-year Free Cash Flow is deep in negative territory at ₹-24.18 Cr
- Top-line revenue contraction of -9.35% YoY in latest quarter
Promoter holds stable at 59.03% with zero pledge; FII and DII participation remains at 0.0%.
NBFC credit expansion is healthy at 15-17% for FY26, but micro-caps face severe pressure from higher borrowing costs and bank competition.
No, profits fail to convert to cash flow with 5-year FCF standing at ₹-24.18 Cr.
Sideways drift expected over 3-6 months due to stagnant top-line performance and structural illiquidity. Lacks catalysts to rerate.
Primary Thesis Risk
Negative free cash generation combined with complete absence of institutional liquidity.
For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
Ceejay Finance Ltd Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Ceejay Finance Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of CEEJAY across key market metrics for learning purposes.
Positive Indicators
5 factors identified
Strong Operating Margins (55.98%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Attractive Valuation (P/E: 7.59 vs Industry: 22.18)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity.
Robust Profit Growth (32.70%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Balanced Promoter Holding (59.03%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
3 factors identified
Below-Average Return on Equity (9.72%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Revenue Contraction (-9.35%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions.
Negative Free Cash Flow (₹-24.18 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Ceejay Finance Ltd vs Non Banking Financial Company (NBFC) Peers
Peer Comparison - Non Banking Financial Company (NBFC)
Compare Ceejay Finance Ltd with 10 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
Ceejay Finance LtdCeejay Finance ...Selected✓ CEEJAY • 530789 | 47.6/100 | ₹175.75₹176 | ₹58.60₹58.60 | 7.59Average 7.6 Average | 9.72%Poor 9.72% Poor | 11.40%Average 11.40% Average | 0.52Good 0.5 Good | 11.55%Good 11.55% Good | 10.61%Good 10.61% Good | 0.71% |
Bajaj Finance LtdBajaj Finance L... BAJFINANCE • 500034 | 62.4/100 | ₹1141.20₹1141 | ₹635919.89₹635919.89 | 33.08Average 33.1 Average | 18.25%Good 18.25% Good | 10.87%Average 10.87% Average | 3.82Poor 3.8 Poor | 34.15%Excellent 34.15% Excellent | 25.18%Excellent 25.18% Excellent | 0.53% |
Shriram Finance LtdShriram Finance... SHRIRAMFIN • 511218 | 48.8/100 | ₹1046.70₹1047 | ₹243379.83₹243379.83 | 24.27Average 24.3 Average | 16.39%Good 16.39% Good | 11.49%Average 11.49% Average | 3.80Poor 3.8 Poor | 32.03%Excellent 32.03% Excellent | 22.54%Excellent 22.54% Excellent | 1.04% |
65.8/100 | ₹1849.90₹1850 | ₹153802.44₹153802.44 | 29.36Average 29.4 Average | 19.35%Good 19.35% Good | 9.71%Poor 9.71% Poor | 6.93Poor 6.9 Poor | 28.05%Excellent 28.05% Excellent | 26.56%Excellent 26.56% Excellent | 0.11% | |
Muthoot Finance LtdMuthoot Finance... MUTHOOTFIN • 533398 | 73.9/100 | ₹3119.60₹3120 | ₹121113.00₹121113.00 | 11.44Average 11.4 Average | 30.92%Excellent 30.92% Excellent | 15.77%Good 15.77% Good | 3.88Poor 3.9 Poor | 22.71%Excellent 22.71% Excellent | 22.03%Excellent 22.03% Excellent | 0.99% |
L&T Finance LtdL&T Finance Ltd... LTF • 533519 | 55.2/100 | ₹311.25₹311 | ₹78301.66₹78301.66 | 24.45Average 24.4 Average | 11.22%Average 11.22% Average | 8.40%Poor 8.40% Poor | 3.94Poor 3.9 Poor | 32.35%Excellent 32.35% Excellent | 6.05%Good 6.05% Good | 0.88% |
HDB Financial Services LimitedHDB Financial S... HDBFS • 544429 | 54.3/100 | ₹686.35₹686 | ₹62415.22₹62415.22 | 22.61Average 22.6 Average | 13.94%Average 13.94% Average | 9.09%Poor 9.09% Poor | 4.80Poor 4.8 Poor | 45.37%Excellent 45.37% Excellent | 10.99%Good 10.99% Good | 0.53% |
SBI Cards and Payment Services LtdSBI Cards and P... SBICARD • 543066 | 43.9/100 | ₹660.15₹660 | ₹60979.59₹60979.59 | 28.14Average 28.1 Average | 14.69%Average 14.69% Average | 10.10%Average 10.10% Average | 2.80Poor 2.8 Poor | 17.08%Excellent 17.08% Excellent | 16.43%Excellent 16.43% Excellent | 0.39% |
Sundaram Finance LtdSundaram Financ... SUNDARMFIN • 590071 | 29.5/100 | ₹4665.60₹4666 | ₹50074.63₹50074.63 | 23.75Average 23.8 Average | 15.01%Good 15.01% Good | 9.44%Poor 9.44% Poor | 4.68Poor 4.7 Poor | 12.69%Good 12.69% Good | 13.23%Good 13.23% Good | 0.89% |
23.9/100 | ₹539.30₹539 | ₹42560.25₹42560.25 | 22.04Average 22.0 Average | 13.13%Average 13.13% Average | 13.67%Average 13.67% Average | 0.23Excellent 0.2 Excellent | — — | — — | 0.04% | |
Poonawalla Fincorp LtdPoonawalla Finc... POONAWALLA • 524000 | 54.9/100 | ₹463.55₹464 | ₹41881.04₹41881.04 | 77.14Average 77.1 Average | 5.86%Poor 5.86% Poor | 7.51%Poor 7.51% Poor | 4.68Poor 4.7 Poor | 24.33%Excellent 24.33% Excellent | 23.97%Excellent 23.97% Excellent | 0.00% |
Top Non Banking Financial Company (NBFC) Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- Bajaj Finance Ltd share price635919.89 Cr
- Shriram Finance Ltd share price243379.83 Cr
- Cholamandalam Investment and Finance Company Limited share price153802.44 Cr
- Muthoot Finance Ltd share price121113.00 Cr
- L&T Finance Ltd share price78301.66 Cr
Ceejay Finance Ltd PE Ratio History
Historical price-to-earnings ratio for CEEJAY — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2024 | ₹19.05 | ₹287.05 | 15.1x |
P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.
Ceejay Finance Ltd Dividend History
Annual cash dividends paid by CEEJAY — dividend yield 0.71%
| Financial Year | Dividends Paid (₹ Cr) |
|---|---|
| FY 2025 | ₹0.41 Cr |
| FY 2024 | ₹0.41 Cr |
| FY 2023 | ₹0.34 Cr |
| FY 2022 | ₹0.35 Cr |
Cash dividends from annual cash flow statements. Past dividends do not guarantee future payments. Not investment advice.
Ceejay Finance Ltd Quarterly Performance
Latest quarterly metrics for CEEJAY — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
-9.35%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
32.70%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
10.61%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
11.55%
Compounded annual net profit growth over 5 years
Ceejay Finance Ltd Technical Indicators
SMA 50, SMA 200, RSI and volume signals for CEEJAY — calculated from daily price history
Momentum is balanced — neither overbought nor oversold.
Technical indicators are for educational purposes only. Not investment advice.
Ceejay Finance Ltd Financial Statements
Annual income statement, balance sheet and cash flow for Ceejay Finance Ltd (CEEJAY) — sourced from NSE/BSE filings.
Loading Financial Statements...
Fetching financial data for Ceejay Finance Ltd
About CEEJAY (Ceejay Finance Ltd)
Ceejay Finance Ltd is a dynamic Non-Banking Financial Company operating within the Indian financial landscape, offering a comprehensive suite of financial solutions tailored to div...erse needs. The company stands as a facilitator of economic empowerment, extending credit and financial services to individuals and businesses alike. CEEJAY's product portfolio spans a spectrum of loan offerings, including those designed for the acquisition of both new and pre-owned vehicles, empowering individuals with mobility solutions. Moreover, the company provides vital financing for small and medium-sized enterprises (SMEs), enabling them to fuel growth and contribute to the nation's economic prosperity. CEEJAY also caters to the personal financial needs of individuals with loan options secured against property and personal loans for varied purposes. CEEJAY's commitment to financial inclusion is further exemplified through its microfinance loan products, aimed at supporting underserved communities and fostering entrepreneurship at the grassroots level. Recognizing the importance of risk mitigation, the company complements its lending activities with insurance services, providing clients with a safety net against unforeseen circumstances. Beyond direct lending, CEEJAY also offers refinance options for a broad range of vehicles, including two-wheelers, three-wheelers, four-wheelers, trucks, and buses, creating opportunities for individuals and businesses to optimize their existing assets and improve cash flow. This multifaceted approach positions CEEJAY as a versatile partner in the financial journey of its clientele. Driven by a vision to bridge financial gaps and promote economic progress, CEEJAY is dedicated to innovation and customer-centricity. The company’s approach reflects a deep understanding of the unique challenges and opportunities within the Indian market. Originally established as Heritage Packaging Limited, the company's strategic transformation into Ceejay Finance Limited underscores its adaptability and commitment to evolving with the ever-changing financial needs of the nation. CEEJAY strives to deliver accessible, efficient, and reliable financial solutions, contributing to the overall growth and prosperity of individuals, businesses, and the Indian economy as a whole.
Company Details
Key Leadership
Corporate Events
Latest News
CEEJAY Share Price: Frequently Asked Questions
What is the current share price of Ceejay Finance Ltd?
Ceejay Finance Ltd (CEEJAY) trades at ₹175.75 on NSE and BSE. Market cap ₹58.60 (Cr). Educational data only.
What is the P/E ratio of Ceejay Finance Ltd?
Ceejay Finance Ltd has a P/E of 7.59x vs industry average 22.18x.
What is the Bull Run score for Ceejay Finance Ltd?
Ceejay Finance Ltd has a Bull Run score of 47.6/100 based on 25+ financial parameters.
Does Ceejay Finance Ltd pay dividends?
Ceejay Finance Ltd has a dividend yield of 0.71%. Past dividends don't guarantee future payments.
What is the ROE of Ceejay Finance Ltd?
Ceejay Finance Ltd has ROE of 9.72%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of Ceejay Finance Ltd?
Ceejay Finance Ltd has debt-to-equity of 0.52.
Is Ceejay Finance Ltd a good investment?
Bull Run gives Ceejay Finance Ltd a score of 47.6/100. This is not investment advice — consult a SEBI-registered advisor.