Vani Commercials Peer Comparison

BSE: 538918

₹8.00

₹-0.10 (-1.23%)

As on 18-Sep-2026IST

Market cap

₹24 Cr

Revenue (TTM)

₹5 Cr

P/E Ratio

31.8

P/B Ratio

0.7

Div. Yield

0 %

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	Vani Commercials	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Market cap (₹ Cr)	24	35,536	29,753	26,031	22,230
Revenue (₹ Cr)	5	404	10,285	5,303	6,380
Net Profit (₹ Cr)	0.74	305.93	1,445.41	1,127.63	1,210.84
Net Margin (%)	13.86	74.72	14.02	21.20	18.97
RoE (%)	2.98	1.41	10.08	16.25	16.14
Price to Earnings	31.83	82.47	20.53	23.08	18.36
Price-To-Book	0.66	1.21	1.85	3.46	2.69

Income Statement
Liabilities
Assets
Cashflow
Ratios

Income Statement (₹ Cr)

	Vani Commercials	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Operating Income	3.39	305.08	10,011.20	3,247.93	5,752.33
Other Income	0.02	1.13	19.94	3.06	3.81
Total Income	3.41	306.22	10,031.14	3,250.99	5,756.14
Interest Expense	0.66	0.16	3,540.93	1,273.78	1,954.98
PBT & Exceptional Items	0.48	265.52	1,665.63	633.32	708.87
Operating Expenses	2.15	38.87	4,557.21	1,242.18	3,030.07
Exceptional Income/Expenses	--	--	--	--	--
Profit before Tax	0.48	368.47	1,665.63	633.32	708.87
Taxes	0.22	56.38	461.76	154.79	177.47
Profit after Tax	0.26	312.09	1,203.87	478.53	531.40
Minority Interest	-0.01	--	16.68	--	--
Share of Associate	--	--	--	--	--
Consolidated Profit	0.26	312.09	1,216.15	478.53	531.40

Liabilities (₹ Cr)

	Vani Commercials	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Shareholder's Funds	13.76	31,090.77	12,432.19	4,304.10	6,955.97
Minority Interest	-0.01	--	16.68	--	--
Non-Current Liabilities	30.60	3,937.57	16,817.88	12,012.16	10,906.12
Current Liabilities	1.53	72.05	24,908.37	5,084.86	11,117.30
Total Liabilities	45.89	35,100.39	54,550.48	21,485.87	29,334.64

Assets (₹ Cr)

	Vani Commercials	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Non-Current Assets	45.45	34,144.57	44,123.36	19,271.23	26,187.41
Current Assets	0.44	955.82	10,051.76	2,129.90	2,791.98
Total Assets	45.89	35,100.39	54,550.48	21,485.87	29,334.64
Contingent Liabilities	0.01	--	196.39	7.21	4.00

Cashflow (₹ Cr)

	Vani Commercials	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Cash From Operating Activities	11.23	206.21	-466.57	-4,312.62	1,125.24
Cash Flow from Investing Activities	-1.85	-165.99	-124.80	61.87	708.34
Cash from Financing Activities	-9.63	-142.63	1,132.34	5,117.65	-1,669.38
Net Cash Inflow / Outflow	-0.25	-102.41	540.97	866.90	164.20

Ratios

Profitability Ratios

	Vani Commercials	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
ROCE (%)	2.33	1.21	11.25	11.18	9.55
ROE (%)	1.91	1.02	10.04	11.86	7.90
ROA (%)	0.51	0.92	2.39	2.59	1.80
EBIT Margin (%)	37.17	87.63	54.68	61.85	47.39
Net Margin (%)	7.62	101.92	12.00	14.72	9.23
Cash Profit Margin (%)	11.21	102.84	14.70	17.87	10.32

Growth Ratios

	Vani Commercials	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Revenue Growth (%)	7.96	-20.37	13.15	40.42	11.34
EBIT Growth (%)	-28.00	-24.27	-9.84	55.60	-26.89
Net Profit Growth (%)	8.33	-18.93	-45.22	71.27	-63.25
EPS Growth (%)	8.37	-18.93	-44.43	71.23	-63.33
Book Value Growth (%)	2.61	3.76	7.66	12.13	5.63

Valuation Ratios

	Vani Commercials	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Price / Earnings	49.62	10.24	16.19	29.37	28.63
Price / Book Value	0.94	1.03	1.58	3.29	2.20
Dividend Yield (%)	0.00	0.43	1.72	0.12	0.00
EV/EBITDA	34.41	119.45	9.40	13.99	12.59
Market Cap (₹ Cr)	12.90	31,951.18	19,684.03	14,056.08	15,214.34

Solvency Ratios

	Vani Commercials	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Debt to Equity	2.22	0.00	2.85	3.65	2.96
Short term debt to equity ratio	--	--	1.53	0.98	1.50
Current Ratio	0.29	13.27	0.40	0.42	0.25
Quick Ratio	0.15	13.27	0.40	0.42	0.25
Interest Coverage	1.73	2,306.84	1.47	1.50	1.36

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.