Crizac
Crizac
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Key Insights
Strengths
4- Company is almost debt free.
- Stock is providing a good dividend yield of 4.29%.
- Company has delivered good profit growth of 60.2% CAGR over last 5 years
- Company has a good return on equity (ROE) track record: 3 Years ROE 43.1%
Growth Rate
AI Analysis — Bull vs Bear
anthropic claude-opus-4.6 69d agoCrizac Ltd is a B2B international student recruitment platform with a market cap of ~₹3,522 Cr, trading at a PE of 15.9x. The company has delivered 60% profit CAGR over 5 years and maintains a 3-year ROE of 43%, but derives approximately 95% of its revenue from the UK market, creating significant geographic concentration risk.
- Exceptional 5-year compounded profit growth of 60% CAGR demonstrates strong earnings scalability
- High return on equity of 43% over 3 years and 48% over 5 years indicates efficient capital deployment
- Company is almost debt-free, providing financial flexibility and resilience in downturns
- Attractive dividend yield of 4.02%, unusual for a high-growth company at this stage
- Revenue grew 60.27% YoY in FY25 to ₹849 Cr, with TTM revenue reaching ~₹991 Cr (43% YoY growth)
- PE of 15.9x is relatively modest for a company delivering 25-60% profit CAGR, suggesting earnings are not excessively priced
- ~13% market share in India-to-UK student recruitment as of 2023, indicating a leadership position in its niche
- Asset-light B2B platform model with operating margins expanding from 22.25% in FY25 to 26.67% in FY26
- Approximately 95% of revenue is concentrated in the UK market, creating severe geographic dependency risk
- ~60% of total student applications come from India alone, making the business vulnerable to Indian outbound policy changes
- Promoter holding at 79.94% leaves limited public float, which can amplify price volatility and reduce liquidity
- Revenue dropped from ₹530 Cr in FY24 to ₹343 Cr (standalone basis shows volatility), indicating quarter-to-quarter lumpiness
- Exposure to UK immigration and visa policy changes — tightening of student visa norms could directly impact volumes
- Small market cap of ₹3,522 Cr with a recently listed stock may carry higher volatility and limited institutional coverage
- 52-week high and low data unavailable (reported as 0), suggesting limited price history and difficulty assessing valuation range
- High dependence on agent network — any disruption in agent relationships or regulatory changes affecting agents could impact recruitment volumes
This is AI-generated analysis, not financial advice. Do your own due diligence.
AI News Digest
anthropic claude-opus-4.6 69d ago- Strategic AI edtech investment Jun 15
Crizac invested ₹1.25 Cr in Edument Consultancy via CCPS and CCD to acquire a 37.41% stake in an AI-powered B2B platform serving 700+ counseling partners, 200+ university partners across 5+ countries, and over 100,000 students.
- Promoter holding disclosure FY26 Jun 23
Promoter Vikash Agarwal disclosed holding 13.99 crore shares in Crizac Ltd as of March 31, 2026, with no shares encumbered during FY26.
TL;DR: Crizac is making a modest but strategic move into AI-powered education technology through its ₹1.25 Cr investment in Edument Consultancy, gaining a significant 37.41% stake. Promoter holding remains stable with no encumbrance, signaling confidence. No visible headwinds in recent news, though the investment is small in absolute terms. The trend is mildly positive as the company diversifies into the growing study-abroad edtech space.
Quarterly Results
| Particulars | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Sales | 161 | 130 | 218 | 341 | 210 | 162 | 279 | 392 | 201 |
| Expenses | 110 | 98 | 155 | 276 | 148 | 99 | 213 | 297 | 140 |
| Operating Profit | 51 | 32 | 63 | 65 | 61 | 63 | 66 | 95 | 61 |
| OPM % | 32% | 25% | 29% | 19% | 29% | 39% | 24% | 24% | 30% |
| Other Income | 15 | 7 | 8 | 9 | 8 | 8 | 7 | 7 | 7 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 11 | 11 | 12 | 11 | 7 | 6 | 6 | 9 | 4 |
| PBT | 55 | 28 | 60 | 62 | 62 | 65 | 67 | 93 | 65 |
| Tax % | 25% | 27% | 28% | 20% | 26% | 25% | 25% | 20% | 29% |
| Net Profit | 42 | 20 | 43 | 50 | 46 | 48 | 51 | 74 | 46 |
| EPS in Rs | 2.37 | 1.16 | 2.47 | 2.85 | 2.62 | 2.76 | 2.85 | 4.29 | 2.69 |
Profit & Loss
| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|
| Sales | 111 | 264 | 473 | 530 | 849 | 1,042 | 1,034 |
| Expenses | 84 | 175 | 366 | 385 | 635 | 756 | 748 |
| Operating Profit | 27 | 89 | 107 | 145 | 215 | 286 | 286 |
| OPM % | 25% | 34% | 23% | 27% | 25% | 27% | 28% |
| Other Income | 1 | 3 | 45 | 53 | 36 | 29 | 29 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 1 | 2 | 13 | 46 | 27 | 24 |
| PBT | 28 | 91 | 150 | 184 | 205 | 287 | 290 |
| Tax % | 26% | 25% | 25% | 37% | 24% | 24% | — |
| Net Profit | 21 | 68 | 112 | 116 | 155 | 219 | 220 |
| EPS in Rs | 10,366 | 67.77 | 112 | 6.62 | 8.86 | 12.52 | 12.59 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 64% | — |
Balance Sheet
| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Equity Capital | 0.02 | 10 | 10 | 35 | 35 | 35 |
| Reserves | 37 | 98 | 213 | 302 | 468 | 550 |
| Borrowings | 1 | 0 | 0 | 0 | 0 | 2 |
| Other Liabilities | 52 | 65 | 83 | 251 | 374 | 289 |
| Total Liabilities | 90 | 172 | 307 | 588 | 878 | 876 |
| Fixed Assets | 27 | 27 | 26 | 128 | 93 | 120 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 18 | 67 | 106 | 143 | 38 | 31 |
| Other Assets | 45 | 79 | 175 | 317 | 747 | 724 |
| Total Assets | 90 | 172 | 307 | 588 | 878 | 876 |
Cash Flow
| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Operating | — | — | — | 114 | 184 | 144 |
| Investing | — | — | — | -79 | -145 | 54 |
| Financing | — | — | — | 0 | 0 | -151 |
| Net Cash Flow | — | — | — | 35 | 39 | 47 |
| Free Cash Flow | — | — | — | -7 | 179 | 127 |
| CFO/OP | — | — | — | 111 | 120 | 76 |
Ratios
| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Debtor Days | 128 | 43 | 21 | 116 | 110 | 84 |
| Cash Conversion Cycle | 128 | 43 | 21 | 116 | 110 | 84 |
| Working Capital Days | -33 | -25 | -10 | -35 | 23 | 48 |
| ROCE % | — | 123% | 90% | 93% | 49% | 52% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
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42 extracted metrics + investor summaries across FY21–FY27.
Documents
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Company Information
Incorporated in 2011, Crizac Ltd is an education platform that offers international student recruitment solutions to higher education institutions in various countries[1]
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