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Last Updated: April 2, 2026, 3:58 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 511764 | NSE: AASTAFIN

Aastamangalam Finance Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹41.16Undervalued by 27.43%vs CMP ₹32.30

P/E (6.7) × ROE (14.8%) × BV (₹51.10) × DY (2.00%)

₹58.33Undervalued by 80.59%vs CMP ₹32.30
MoS: +44.6% (Strong)Confidence: 48/100 (Moderate)Models: 5 Under, 3 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹80.4225%Under (+149%)
Graham NumberEarnings₹74.6018%Under (+131%)
Earnings PowerEarnings₹21.5612%Over (-33.3%)
DCFCash Flow₹118.8712%Under (+268%)
Net Asset ValueAssets₹51.118%Under (+58.2%)
EV/EBITDAEnterprise₹0.0810%Over (-99.8%)
Earnings YieldEarnings₹48.408%Under (+49.8%)
ROCE CapitalReturns₹6.998%Over (-78.4%)
Consensus (8 models)₹58.33100%Undervalued
Key Drivers: EPS CAGR 95.4% lifts DCF — verify sustainability. | Wide model spread (₹0–₹119) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 95.4%

*Investments are subject to market risks

Investment Snapshot

59
Aastamangalam Finance Ltd scores 59/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health73/100 · Strong
ROCE 13.0% GoodROE 14.8% GoodD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money50/100 · Moderate
Promoter holding at 28.5% Stable
Earnings Quality50/100 · Moderate
Quarterly Momentum40/100 · Moderate
Profit (4Q): -5% YoY Declining
Industry Rank75/100 · Strong
P/E 6.7 vs industry 101.6 Cheaper than peersROCE 13.0% vs industry 15.8% AverageROE 14.8% vs industry 8.8% Above peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Aastamangalam Finance Ltd Investor Signals

Computed from valuation, cash flow, balance sheet, ownership and quarterly trend data already available in this stock page.

Value Trap Score
40/100
Moderate
Derived from: Cheapness + weak quality + weak cash support
Current data: P/E 6.7 vs Ind 101.6 | ROCE 13.0% | ROE 14.8% | CFO/NP N/A
Balance Sheet Stress
0/100
Comfortable
Derived from: Leverage + debt servicing + liquidity + debt trend
Current data: D/E 0.00x | IntCov 0.0x | Current 0.00x | Borrow/Reserve 0.00x
Cash Flow Reliability
29/100
Weak
Derived from: Cash backing of earnings + working capital pressure
Current data: CFO ₹0 Cr | NP ₹8 Cr | CFO/NP N/A
Ownership Accumulation
0
Neutral
Derived from: FII + DII + promoter direction, adjusted by crowding
Current data: FII N/A | DII N/A | Prom 0.00 pp
Business Momentum
-24
Watch closely
Derived from: Latest quarter sales + profit + OPM change
Current data: Q Sales N/A | Q NP -19.7% | Q OPM N/A
Derived FieldValueHow it is derived
Valuation Gap %+80.6%((Fair Value - CMP) / CMP) × 100
Borrowings / Reserves0.00xLatest borrowings divided by latest reserves
CFO / Net ProfitN/ALatest operating cash flow divided by latest net profit
FII ChangeN/ALatest FII% minus previous FII%
DII ChangeN/ALatest DII% minus previous DII%
Promoter Change0.00 ppLatest promoter% minus previous promoter%
Shareholder Count Change-32Latest shareholder count minus previous count
Quarterly Sales ChangeN/ALatest quarter sales vs previous quarter sales
Quarterly Profit Change-19.7%Latest quarter net profit vs previous quarter net profit
Quarterly OPM ChangeN/ALatest quarter OPM minus previous quarter OPM

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 3:58 am

Market Cap 50.2 Cr.
Current Price 32.3
Intrinsic Value₹58.33
High / Low 55.0/27.8
Stock P/E6.67
Book Value 51.1
Dividend Yield0.00 %
ROCE13.0 %
ROE14.8 %
Face Value 10.0
PEG Ratio0.07

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Aastamangalam Finance Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Aastamangalam Finance Ltd 50.2 Cr. 32.3 55.0/27.86.67 51.10.00 %13.0 %14.8 % 10.0
Dharani Finance Ltd 4.18 Cr. 8.36 18.0/8.366.85 19.50.00 %9.40 %9.28 % 10.0
Credent Global Finance Ltd 180 Cr. 29.3 35.1/20.76.37 16.40.00 %4.04 %9.21 % 2.00
Bazel International Ltd 17.5 Cr. 17.8 45.5/16.57.04 72.60.00 %3.78 %3.04 % 10.0
Adcon Capital Services Ltd 8.53 Cr. 0.43 1.05/0.406.18 1.750.00 %8.30 %6.58 % 1.00
Industry Average22,241.21 Cr369.74101.56513.160.26%15.81%8.84%8.50

All Competitor Stocks of Aastamangalam Finance Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue1.091.151.141.422.262.212.873.964.254.304.713.623.54
Interest 0.001.180.000.790.390.420.550.570.570.570.570.570.57
Expenses 0.050.170.130.160.110.200.100.260.262.130.15-0.270.41
Financing Profit1.04-0.201.010.471.761.592.223.133.421.603.993.322.56
Financing Margin %95.41%-17.39%88.60%33.10%77.88%71.95%77.35%79.04%80.47%37.21%84.71%91.71%72.32%
Other Income 0.000.010.000.000.000.000.000.220.000.000.000.000.00
Depreciation 0.000.000.000.000.000.000.000.000.000.000.000.000.00
Profit before tax 1.04-0.191.010.471.761.592.223.353.421.603.993.322.56
Tax % 25.00%-57.89%24.75%23.40%25.00%24.53%24.77%25.37%25.15%84.38%25.06%28.31%25.00%
Net Profit 0.77-0.080.760.361.311.191.672.502.560.252.992.381.91
EPS in Rs 1.00-0.100.660.220.820.741.041.561.650.161.921.531.23
Gross NPA %
Net NPA %

Last Updated: March 3, 2026, 1:18 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 26, 2026, 1:46 pm

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue2.641.751.271.341.081.061.290.611.263.357.0315.2716.17
Interest 0.000.020.000.000.010.000.000.000.011.181.642.312.28
Expenses 0.560.710.740.680.690.421.180.070.990.250.562.692.42
Financing Profit2.081.020.530.660.380.640.110.540.261.924.8310.2711.47
Financing Margin %78.79%58.29%41.73%49.25%35.19%60.38%8.53%88.52%20.63%57.31%68.71%67.26%70.93%
Other Income 0.000.000.000.000.000.000.000.000.000.010.000.220.00
Depreciation 0.000.000.000.000.000.000.000.000.010.020.020.010.00
Profit before tax 2.081.020.530.660.380.640.110.540.251.914.8110.4811.47
Tax % 23.56%22.55%13.21%10.61%26.32%31.25%72.73%11.11%48.00%24.08%25.16%20.99%
Net Profit 1.590.790.450.590.280.440.030.480.131.453.608.287.53
EPS in Rs 2.061.030.580.770.360.570.040.620.171.882.255.334.84
Dividend Payout % 0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)-50.31%-43.04%31.11%-52.54%57.14%-93.18%1500.00%-72.92%1015.38%148.28%130.00%
Change in YoY Net Profit Growth (%)0.00%7.28%74.15%-83.65%109.69%-150.32%1593.18%-1572.92%1088.30%-867.11%-18.28%

Aastamangalam Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:24%
5 Years:64%
3 Years:130%
TTM:97%
Compounded Profit Growth
10 Years:26%
5 Years:208%
3 Years:299%
TTM:83%
Stock Price CAGR
10 Years:11%
5 Years:26%
3 Years:61%
1 Year:23%
Return on Equity
10 Years:8%
5 Years:10%
3 Years:13%
Last Year:15%

Last Updated: September 5, 2025, 2:01 pm

Balance Sheet

Last Updated: February 1, 2026, 2:13 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 4.284.284.284.284.284.284.284.284.284.288.9115.5415.54
Reserves 6.647.437.888.478.759.199.229.709.8219.3028.7758.5363.90
Borrowing0.000.000.000.000.010.000.000.000.0036.1440.2244.4550.45
Other Liabilities 0.150.200.230.150.020.120.630.250.530.892.663.153.20
Total Liabilities 11.0711.9112.3912.9013.0613.5914.1314.2314.6360.6180.56121.67133.09
Fixed Assets 0.000.000.000.000.000.010.010.010.070.050.030.030.02
CWIP 0.000.000.000.000.000.000.000.000.000.000.000.000.00
Investments 6.256.967.898.390.000.000.000.000.000.000.000.000.00
Other Assets 4.824.954.504.5113.0613.5814.1214.2214.5660.5680.53121.64133.07
Total Assets 11.0711.9112.3912.9013.0613.5914.1314.2314.6360.6180.56121.67133.09

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + 1.200.890.500.40-11.161.08-2.760.07-0.28-25.97-23.86-33.63
Cash from Investing Activity + -0.63-0.71-0.90-0.228.75-0.01-0.00-0.00-0.07-0.00-0.00-0.00
Cash from Financing Activity + -0.00-0.00-0.00-0.000.970.19-0.00-0.00-0.0042.9812.9830.16
Net Cash Flow 0.570.17-0.400.18-1.451.25-2.760.07-0.3517.01-10.88-3.47
Free Cash Flow 1.200.890.500.40-11.161.07-2.760.07-0.35-25.97-23.86-33.63
CFO/OP 78%100%109%61%-2,836%200%-2,436%24%-59%-823%-350%-250%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow0.560.710.740.680.680.421.180.070.99-35.89-39.66-41.76

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days 0.000.000.000.000.000.000.000.0052.14147.0922.840.00
Inventory Days
Days Payable
Cash Conversion Cycle 0.000.000.000.000.000.000.000.0052.14147.0922.840.00
Working Capital Days 208.77302.43408.11866.193,808.840.00-144.30-137.62173.8150.12-113.19-74.34
ROCE %20.54%9.19%4.44%5.30%3.02%4.83%0.82%3.93%1.85%8.37%9.37%13.02%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 47.19%35.24%35.24%35.24%27.60%27.60%27.60%27.60%28.49%28.49%28.49%28.49%
Public 52.81%64.74%64.75%64.75%72.40%72.41%72.41%72.41%71.52%71.52%71.52%71.51%
No. of Shareholders 6,0335,7645,9996,0716,1386,1686,2946,6106,4426,4466,3876,355

Shareholding Pattern Chart

No. of Shareholders

Aastamangalam Finance Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 5.334.043.390.291.12
Diluted EPS (Rs.) 5.334.043.390.291.12
Cash EPS (Rs.) 5.334.063.430.311.13
Book Value[Excl.RevalReserv]/Share (Rs.) 47.6642.2936.3532.9632.67
Book Value[Incl.RevalReserv]/Share (Rs.) 47.6642.2936.3532.9632.67
Revenue From Operations / Share (Rs.) 9.837.897.832.941.44
PBDIT / Share (Rs.) 8.217.227.270.600.55
PBIT / Share (Rs.) 8.207.197.220.570.54
PBT / Share (Rs.) 6.755.404.460.571.26
Net Profit / Share (Rs.) 5.334.043.390.291.12
PBDIT Margin (%) 83.5691.4692.8320.4838.53
PBIT Margin (%) 83.4991.1892.2319.5938.16
PBT Margin (%) 68.6968.4257.0119.5487.72
Net Profit Margin (%) 54.2251.2043.289.9078.30
Return on Networth / Equity (%) 11.179.559.320.883.43
Return on Capital Employeed (%) 16.5516.5612.751.681.64
Return On Assets (%) 6.804.462.390.853.37
Total Debt / Equity (X) 0.601.072.320.000.00
Asset Turnover Ratio (%) 0.150.090.080.080.04
Current Ratio (X) 2.731.921.660.000.00
Quick Ratio (X) 2.731.921.660.000.00
Interest Coverage Ratio (X) 5.654.022.64429.502214.96
Interest Coverage Ratio (Post Tax) (X) 4.663.252.23208.671652.13
Enterprise Value (Cr.) 85.1975.0131.755.775.14
EV / Net Operating Revenue (X) 5.5810.679.484.598.38
EV / EBITDA (X) 6.6811.6710.2122.3821.74
MarketCap / Net Operating Revenue (X) 2.855.833.794.648.61
Price / BV (X) 0.581.090.810.410.37
Price / Net Operating Revenue (X) 2.855.833.794.648.61
EarningsYield 0.190.080.110.020.09

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Aastamangalam Finance Ltd. is a Public Limited Listed company incorporated on 25/01/1985 and has its registered office in the State of Tamil Nadu, India. Company's Corporate Identification Number(CIN) is L65191TN1985PLC011503 and registration number is 011503. Currently Company is involved in the business activities of Other financial service activities, except insurance and pension funding activities. Company's Total Operating Revenue is Rs. 15.27 Cr. and Equity Capital is Rs. 15.54 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)No. 51, Hunters Road, Chennai (Madras) Tamil Nadu 600112Contact not found
Management
NamePosition Held
Mrs. Rekha M JainNon Executive Director
Mrs. Bhavika M JainNon Executive Director
Mrs. Kushbu M JainNon Executive Director
Mr. J Akash JainIndependent Director
Mr. Bharat Kumar DugharIndependent Director

FAQ

What is the intrinsic value of Aastamangalam Finance Ltd and is it undervalued?

As of 06 April 2026, Aastamangalam Finance Ltd's intrinsic value is ₹58.33, which is 80.59% higher than the current market price of ₹32.30, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (14.8 %), book value (₹51.1), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Aastamangalam Finance Ltd?

Aastamangalam Finance Ltd is trading at ₹32.30 as of 06 April 2026, with a FY2026-2027 high of ₹55.0 and low of ₹27.8. The stock is currently near its 52-week low. Market cap stands at ₹50.2 Cr..

How does Aastamangalam Finance Ltd's P/E ratio compare to its industry?

Aastamangalam Finance Ltd has a P/E ratio of 6.67, which is below the industry average of 101.56. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is Aastamangalam Finance Ltd financially healthy?

Key indicators for Aastamangalam Finance Ltd: ROCE of 13.0 % is moderate. Dividend yield is 0.00 %.

Is Aastamangalam Finance Ltd profitable and how is the profit trend?

Aastamangalam Finance Ltd reported a net profit of ₹8 Cr in Mar 2025 on revenue of ₹15 Cr. Compared to ₹0 Cr in Mar 2022, the net profit shows an improving trend.

Does Aastamangalam Finance Ltd pay dividends?

Aastamangalam Finance Ltd has a dividend yield of 0.00 % at the current price of ₹32.30. The company is currently not paying meaningful dividends.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Aastamangalam Finance Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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