Abirami Financial Services (India) Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: August 20, 2025, 7:21 pm

Market Cap	27.4 Cr.
Current Price	50.7
High / Low	74.9/38.5
Stock P/E	54.7
Book Value	37.0
Dividend Yield	2.96 %
ROCE	4.05 %
ROE	2.87 %
Face Value	10.0
PEG Ratio	3.07

Quick Insight

Abirami Financial Services (India) Ltd, with a share price of 45.2 and a market capitalization of 24.4 Cr., appears overvalued with a high P/E ratio of 48.9. Despite a low ROE of 2.87% and ROCE of 4.00%, the company boasts a healthy ICR of 156.62x, indicating strong debt servicing ability. With 65.65% promoter holding and negligible FIIs and DIIs presence, investor confidence may be a concern. The P/BV ratio of 1.30x suggests some margin of safety for investors, but the company's low profitability metrics and lack of clarity on working capital efficiency warrant caution for potential investors.

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

Stock P/E Current Price Intrinsic Value

View Share Price Target for Abirami Financial Services (India) Ltd

Competitors of Abirami Financial Services (India) Ltd

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Minolta Finance Ltd	16.2 Cr.	1.62	1.91/0.78	108	1.07	0.00 %	0.40 %	0.09 %	1.00
Money Masters Leasing & Finance Ltd	17.2 Cr.	1.71	17.2/1.06	26.8	1.57	0.00 %	2.44 %	4.84 %	1.00
Moneyboxx Finance Ltd	449 Cr.	137	311/130		79.8	0.00 %	8.73 %	0.58 %	10.0
Moongipa Capital Finance Ltd	17.0 Cr.	18.6	41.0/18.0	12.8	24.9	0.00 %	15.0 %	9.43 %	10.0
Morarka Finance Ltd	44.6 Cr.	99.2	191/90.0	34.6	212	1.01 %	2.46 %	2.17 %	10.0
Industry Average	26,214.63 Cr	504.63		101.89	498.56	0.20%	15.80%	8.89%	8.48

All Competitor Stocks of Abirami Financial Services (India) Ltd

Quarterly Result

Metric	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025
Sales	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Expenses	0.50	0.31	0.15	0.26	0.14	0.24	0.17	0.17	0.14	0.19	0.16	0.15	0.15
Operating Profit	-0.50	-0.31	-0.15	-0.26	-0.14	-0.24	-0.17	-0.17	-0.14	-0.19	-0.16	-0.15	-0.15
OPM %
Other Income	18.87	0.23	0.43	0.31	0.32	0.45	0.48	0.58	0.44	0.36	0.34	0.31	0.34
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation	0.00	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit before tax	18.37	-0.08	0.28	0.04	0.18	0.21	0.30	0.41	0.30	0.17	0.18	0.16	0.19
Tax %	21.77%	0.00%	0.00%	0.00%	5.56%	42.86%	-203.33%	36.59%	23.33%	17.65%	27.78%	31.25%	31.58%
Net Profit	14.37	-0.08	0.27	0.04	0.17	0.12	0.91	0.25	0.22	0.14	0.13	0.11	0.12
EPS in Rs	23.95	-0.13	0.45	0.07	0.31	0.22	1.69	0.46	0.41	0.26	0.24	0.20	0.22

Last Updated: August 1, 2025, 8:40 am

Below is a detailed analysis of the quarterly data for Abirami Financial Services (India) Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:

For Sales, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
For Expenses, as of Jun 2025, the value is 0.15 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.15 Cr..
For Operating Profit, as of Jun 2025, the value is -0.15 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded -0.15 Cr..
For OPM %, as of Jun 2025, the value is 0.00%. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00%.
For Other Income, as of Jun 2025, the value is 0.34 Cr.. The value appears strong and on an upward trend. It has increased from 0.31 Cr. (Mar 2025) to 0.34 Cr., marking an increase of 0.03 Cr..
For Interest, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
For Profit before tax, as of Jun 2025, the value is 0.19 Cr.. The value appears strong and on an upward trend. It has increased from 0.16 Cr. (Mar 2025) to 0.19 Cr., marking an increase of 0.03 Cr..
For Tax %, as of Jun 2025, the value is 31.58%. The value appears to be increasing, which may not be favorable. It has increased from 31.25% (Mar 2025) to 31.58%, marking an increase of 0.33%.
For Net Profit, as of Jun 2025, the value is 0.12 Cr.. The value appears strong and on an upward trend. It has increased from 0.11 Cr. (Mar 2025) to 0.12 Cr., marking an increase of 0.01 Cr..
For EPS in Rs, as of Jun 2025, the value is 0.22. The value appears strong and on an upward trend. It has increased from 0.20 (Mar 2025) to 0.22, marking an increase of 0.02.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: May 15, 2025, 4:41 am

Metric	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Sales	0.89	0.70	0.76	0.46	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Expenses	0.69	0.45	0.36	0.34	0.34	0.32	0.38	0.52	0.56	1.23	0.72	0.63
Operating Profit	0.20	0.25	0.40	0.12	-0.34	-0.32	-0.38	-0.52	-0.56	-1.23	-0.72	-0.63
OPM %	22.47%	35.71%	52.63%	26.09%
Other Income	0.34	0.41	0.12	0.10	0.69	0.47	0.69	0.51	0.46	19.84	1.83	1.45
Interest	0.01	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.01
Depreciation	0.20	0.21	0.18	0.14	0.13	0.12	0.10	0.11	0.09	0.02	0.01	0.01
Profit before tax	0.33	0.45	0.34	0.07	0.22	0.03	0.21	-0.12	-0.19	18.59	1.09	0.80
Tax %	33.33%	17.78%	14.71%	14.29%	22.73%	33.33%	28.57%	0.00%	0.00%	21.52%	-33.03%	28.75%
Net Profit	0.23	0.37	0.30	0.06	0.17	0.02	0.16	-0.12	-0.19	14.60	1.45	0.58
EPS in Rs	0.38	0.62	0.50	0.10	0.28	0.03	0.27	-0.20	-0.32	24.33	2.69	1.07
Dividend Payout %	0.00%	0.00%	0.00%	300.00%	105.88%	0.00%	0.00%	0.00%	0.00%	8.22%	93.10%	0.00%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024	2024-2025
YoY Net Profit Growth (%)	60.87%	-18.92%	-80.00%	183.33%	-88.24%	700.00%	-175.00%	-58.33%	7784.21%	-90.07%	-60.00%
Change in YoY Net Profit Growth (%)	0.00%	-79.79%	-61.08%	263.33%	-271.57%	788.24%	-875.00%	116.67%	7842.54%	-7874.28%	30.07%

Abirami Financial Services (India) 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:	%
5 Years:	%
3 Years:	%
TTM:	%

Compounded Profit Growth
10 Years:	5%
5 Years:	29%
3 Years:	72%
TTM:	-67%

Stock Price CAGR
10 Years:	11%
5 Years:	60%
3 Years:	98%
1 Year:	-17%

Return on Equity
10 Years:	15%
5 Years:	22%
3 Years:	29%
Last Year:	3%

Last Updated: Unknown

Balance Sheet

Last Updated: July 25, 2025, 2:01 pm

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	5.40	5.40
Reserves	2.24	2.61	2.55	2.31	2.08	1.88	2.05	1.93	1.74	16.34	15.21	14.44
Borrowings	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Liabilities	0.45	0.49	0.22	0.24	0.12	0.13	0.12	0.07	0.07	4.06	0.45	0.44
Total Liabilities	8.69	9.10	8.77	8.55	8.20	8.01	8.17	8.00	7.81	26.40	21.06	20.28
Fixed Assets	3.19	3.01	2.85	2.59	2.50	2.36	2.26	2.16	2.08	0.02	0.01	0.01
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	1.87	4.84	4.98	4.90	0.21	0.67	0.89	0.47	0.41	0.65	0.89	1.05
Other Assets	3.63	1.25	0.94	1.06	5.49	4.98	5.02	5.37	5.32	25.73	20.16	19.22
Total Assets	8.69	9.10	8.77	8.55	8.20	8.01	8.17	8.00	7.81	26.40	21.06	20.28

Below is a detailed analysis of the balance sheet data for Abirami Financial Services (India) Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:

For Equity Capital, as of Mar 2025, the value is 5.40 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 5.40 Cr..
For Reserves, as of Mar 2025, the value is 14.44 Cr.. The value appears to be declining and may need further review. It has decreased from 15.21 Cr. (Mar 2024) to 14.44 Cr., marking a decrease of 0.77 Cr..
For Borrowings, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
For Other Liabilities, as of Mar 2025, the value is 0.44 Cr.. The value appears to be improving (decreasing). It has decreased from 0.45 Cr. (Mar 2024) to 0.44 Cr., marking a decrease of 0.01 Cr..
For Total Liabilities, as of Mar 2025, the value is 20.28 Cr.. The value appears to be improving (decreasing). It has decreased from 21.06 Cr. (Mar 2024) to 20.28 Cr., marking a decrease of 0.78 Cr..
For Fixed Assets, as of Mar 2025, the value is 0.01 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.01 Cr..
For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
For Investments, as of Mar 2025, the value is 1.05 Cr.. The value appears strong and on an upward trend. It has increased from 0.89 Cr. (Mar 2024) to 1.05 Cr., marking an increase of 0.16 Cr..
For Other Assets, as of Mar 2025, the value is 19.22 Cr.. The value appears to be declining and may need further review. It has decreased from 20.16 Cr. (Mar 2024) to 19.22 Cr., marking a decrease of 0.94 Cr..
For Total Assets, as of Mar 2025, the value is 20.28 Cr.. The value appears to be declining and may need further review. It has decreased from 21.06 Cr. (Mar 2024) to 20.28 Cr., marking a decrease of 0.78 Cr..

Notably, the Reserves (14.44 Cr.) exceed the Borrowings (0.00 Cr.), indicating a solid financial buffer.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2014	Mar 2015	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity +	-0.21	3.05	0.43	0.63	1.04	0.22	-0.05	-0.09	-5.69	-0.48	-0.54
Cash from Investing Activity +	0.05	-3.00	0.07	-0.11	-0.45	-0.85	0.42	0.04	21.74	1.53	-0.80
Cash from Financing Activity +	0.01	0.00	-0.29	-0.40	-0.22	0.00	0.00	0.00	0.00	-3.18	-1.35
Net Cash Flow	-0.15	0.05	0.22	0.11	0.37	-0.62	0.37	-0.05	16.05	-2.13	-2.68

Free Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Free Cash Flow	0.20	0.25	0.40	0.12	-0.34	-0.32	-0.38	-0.52	-0.56	-1.23	-0.72	-0.63

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

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	0.00	0.00	0.00	0.00
Inventory Days
Days Payable
Cash Conversion Cycle	0.00	0.00	0.00	0.00
Working Capital Days	840.73	-255.50	-105.66	349.13
ROCE %	4.32%	5.34%	3.96%	0.95%	2.68%	0.38%	2.64%	-1.50%	-2.43%	123.60%	5.12%	4.05%

Financial Efficiency Indicators Chart

No valid data available for the Shareholding

Shareholding Pattern Chart

No. of Shareholders

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 25	Mar 24	Mar 23	Mar 22	Mar 21
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	1.07	2.69	24.33	-0.31	13.22
Diluted EPS (Rs.)	1.07	2.69	24.33	-0.31	-0.19
Cash EPS (Rs.)	1.08	2.70	24.36	-0.15	-0.02
Book Value[Excl.RevalReserv]/Share (Rs.)	36.74	38.17	37.23	12.90	13.22
Book Value[Incl.RevalReserv]/Share (Rs.)	36.74	38.17	37.23	12.90	13.22
Dividend / Share (Rs.)	0.00	2.50	0.00	0.00	0.00
PBDIT / Share (Rs.)	1.51	2.06	31.02	-0.15	-0.02
PBIT / Share (Rs.)	1.50	2.04	30.99	-0.31	-0.19
PBT / Share (Rs.)	1.49	2.02	30.99	-0.31	-0.19
Net Profit / Share (Rs.)	1.07	2.69	24.32	-0.31	-0.19
Return on Networth / Equity (%)	2.90	7.04	65.33	-2.41	-1.50
Return on Capital Employeed (%)	4.07	5.35	83.24	-2.40	-1.50
Return On Assets (%)	2.84	6.89	55.28	-2.39	-1.49
Current Ratio (X)	43.69	44.41	6.31	70.70	78.22
Quick Ratio (X)	43.69	44.41	6.31	70.70	78.22
Dividend Payout Ratio (NP) (%)	0.00	74.40	0.00	0.00	0.00
Dividend Payout Ratio (CP) (%)	0.00	74.00	0.00	0.00	0.00
Earning Retention Ratio (%)	0.00	25.60	0.00	0.00	0.00
Cash Earning Retention Ratio (%)	0.00	26.00	0.00	0.00	0.00
Interest Coverage Ratio (X)	156.62	89.10	47581.43	-276.56	-46.18
Interest Coverage Ratio (Post Tax) (X)	111.94	117.29	37310.14	-544.49	-416.46
Enterprise Value (Cr.)	7.29	2.34	-9.47	-1.81	-2.73
EV / EBITDA (X)	8.95	2.11	-0.50	19.12	207.17
Retention Ratios (%)	0.00	25.59	0.00	0.00	0.00
Price / BV (X)	1.30	1.03	0.51	0.40	0.27
EarningsYield	0.02	0.06	1.27	-0.05	-0.05

After reviewing the key financial ratios for Abirami Financial Services (India) Ltd, here is a detailed analysis based on the latest available data and recent trends:

For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
For Basic EPS (Rs.), as of Mar 25, the value is 1.07. This value is below the healthy minimum of 5. It has decreased from 2.69 (Mar 24) to 1.07, marking a decrease of 1.62.
For Diluted EPS (Rs.), as of Mar 25, the value is 1.07. This value is below the healthy minimum of 5. It has decreased from 2.69 (Mar 24) to 1.07, marking a decrease of 1.62.
For Cash EPS (Rs.), as of Mar 25, the value is 1.08. This value is below the healthy minimum of 3. It has decreased from 2.70 (Mar 24) to 1.08, marking a decrease of 1.62.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 36.74. It has decreased from 38.17 (Mar 24) to 36.74, marking a decrease of 1.43.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 36.74. It has decreased from 38.17 (Mar 24) to 36.74, marking a decrease of 1.43.
For Dividend / Share (Rs.), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 1. It has decreased from 2.50 (Mar 24) to 0.00, marking a decrease of 2.50.
For PBDIT / Share (Rs.), as of Mar 25, the value is 1.51. This value is below the healthy minimum of 2. It has decreased from 2.06 (Mar 24) to 1.51, marking a decrease of 0.55.
For PBIT / Share (Rs.), as of Mar 25, the value is 1.50. This value is within the healthy range. It has decreased from 2.04 (Mar 24) to 1.50, marking a decrease of 0.54.
For PBT / Share (Rs.), as of Mar 25, the value is 1.49. This value is within the healthy range. It has decreased from 2.02 (Mar 24) to 1.49, marking a decrease of 0.53.
For Net Profit / Share (Rs.), as of Mar 25, the value is 1.07. This value is below the healthy minimum of 2. It has decreased from 2.69 (Mar 24) to 1.07, marking a decrease of 1.62.
For Return on Networth / Equity (%), as of Mar 25, the value is 2.90. This value is below the healthy minimum of 15. It has decreased from 7.04 (Mar 24) to 2.90, marking a decrease of 4.14.
For Return on Capital Employeed (%), as of Mar 25, the value is 4.07. This value is below the healthy minimum of 10. It has decreased from 5.35 (Mar 24) to 4.07, marking a decrease of 1.28.
For Return On Assets (%), as of Mar 25, the value is 2.84. This value is below the healthy minimum of 5. It has decreased from 6.89 (Mar 24) to 2.84, marking a decrease of 4.05.
For Current Ratio (X), as of Mar 25, the value is 43.69. This value exceeds the healthy maximum of 3. It has decreased from 44.41 (Mar 24) to 43.69, marking a decrease of 0.72.
For Quick Ratio (X), as of Mar 25, the value is 43.69. This value exceeds the healthy maximum of 2. It has decreased from 44.41 (Mar 24) to 43.69, marking a decrease of 0.72.
For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 74.40 (Mar 24) to 0.00, marking a decrease of 74.40.
For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 74.00 (Mar 24) to 0.00, marking a decrease of 74.00.
For Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 25.60 (Mar 24) to 0.00, marking a decrease of 25.60.
For Cash Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 26.00 (Mar 24) to 0.00, marking a decrease of 26.00.
For Interest Coverage Ratio (X), as of Mar 25, the value is 156.62. This value is within the healthy range. It has increased from 89.10 (Mar 24) to 156.62, marking an increase of 67.52.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 111.94. This value is within the healthy range. It has decreased from 117.29 (Mar 24) to 111.94, marking a decrease of 5.35.
For Enterprise Value (Cr.), as of Mar 25, the value is 7.29. It has increased from 2.34 (Mar 24) to 7.29, marking an increase of 4.95.
For EV / EBITDA (X), as of Mar 25, the value is 8.95. This value is within the healthy range. It has increased from 2.11 (Mar 24) to 8.95, marking an increase of 6.84.
For Retention Ratios (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 30. It has decreased from 25.59 (Mar 24) to 0.00, marking a decrease of 25.59.
For Price / BV (X), as of Mar 25, the value is 1.30. This value is within the healthy range. It has increased from 1.03 (Mar 24) to 1.30, marking an increase of 0.27.
For EarningsYield, as of Mar 25, the value is 0.02. This value is below the healthy minimum of 5. It has decreased from 0.06 (Mar 24) to 0.02, marking a decrease of 0.04.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Abirami Financial Services (India) Ltd as of August 21, 2025 is: 47.84

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of August 21, 2025, Abirami Financial Services (India) Ltd is Overvalued by 5.64% compared to the current share price 50.70

Intrinsic Value of Abirami Financial Services (India) Ltd as of August 21, 2025 is: 56.36

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of August 21, 2025, Abirami Financial Services (India) Ltd is Undervalued by 11.16% compared to the current share price 50.70

Last 5 Year EPS CAGR: 17.82%

*Investments are subject to market risks

Strength and Weakness

Strength	Weakness
The stock has a low average Cash Conversion Cycle of 0.00, which is a positive sign. The company has higher reserves (5.45 cr) compared to borrowings (0.00 cr), indicating strong financial stability. The company has shown consistent growth in sales (0.23 cr) and profit (1.82 cr) over the years.	The stock has a low average ROCE of 12.43%, which may not be favorable. The stock has a high average Working Capital Days of 69.06, which may not be favorable.

Stock Analysis

Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Abirami Financial Services (India) Ltd:
1. Net Profit Margin: 0%
  - Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
2. ROCE: 4.07% (Industry Average ROCE: 15.8%)
  - ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
3. ROE%: 2.9% (Industry Average ROE: 8.89%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 111.94
  - Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
5. Quick Ratio: 43.69
  - Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
6. Stock P/E: 54.7 (Industry average Stock P/E: 101.89)
  - Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
7. Total Debt / Equity: 0
  - Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

Abirami Financial Services (India) Ltd. is a Public Limited Listed company incorporated on 19/04/1993 and has its registered office in the State of Tamil Nadu, India. Company's Corporate Identification Number(CIN) is L65993TN1993PLC024861 and registration number is 024861. Currently company belongs to the Industry of Non-Banking Financial Company (NBFC). Company's Total Operating Revenue is Rs. 0.00 Cr. and Equity Capital is Rs. 5.40 Cr. for the Year ended 31/03/2025.

INDUSTRY	ADDRESS	CONTACT
Non-Banking Financial Company (NBFC)	Old No.11, New No. 2, Chennai (Madras) Tamil Nadu 600017	abicompliance@afslindia.in http://www.afslindia.in

Management
Name	Position Held
Mr. K V Aiyappan	Chairman
Mrs. Muthulakshmi Ganesh	Director
Dr. M G Bhaskar	Independent Director
Mr. Arunachalam Kanaga Sabesan	Independent Director
Mrs. Revathi Sureshkumar	Independent Director
Mrs. Chitra Sivaramakrishnan	Whole Time Director

FAQ

What is the intrinsic value of Abirami Financial Services (India) Ltd?

Abirami Financial Services (India) Ltd's intrinsic value (as of 20 August 2025) is ₹47.84 which is 5.64% lower the current market price of ₹50.70, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹27.4 Cr. market cap, FY2025-2026 high/low of 74.9/38.5, reserves of ₹14.44 Cr, and liabilities of ₹20.28 Cr.

What is the Market Cap of Abirami Financial Services (India) Ltd?

The Market Cap of Abirami Financial Services (India) Ltd is 27.4 Cr..

What is the current Stock Price of Abirami Financial Services (India) Ltd as on 20 August 2025?

The current stock price of Abirami Financial Services (India) Ltd as on 20 August 2025 is 50.7.

What is the High / Low of Abirami Financial Services (India) Ltd stocks in FY 2025-2026?

In FY 2025-2026, the High / Low of Abirami Financial Services (India) Ltd stocks is 74.9/38.5.

What is the Stock P/E of Abirami Financial Services (India) Ltd?

The Stock P/E of Abirami Financial Services (India) Ltd is 54.7.

What is the Book Value of Abirami Financial Services (India) Ltd?

The Book Value of Abirami Financial Services (India) Ltd is 37.0.

What is the Dividend Yield of Abirami Financial Services (India) Ltd?

The Dividend Yield of Abirami Financial Services (India) Ltd is 2.96 %.

What is the ROCE of Abirami Financial Services (India) Ltd?

The ROCE of Abirami Financial Services (India) Ltd is 4.05 %.

What is the ROE of Abirami Financial Services (India) Ltd?

The ROE of Abirami Financial Services (India) Ltd is 2.87 %.

What is the Face Value of Abirami Financial Services (India) Ltd?

The Face Value of Abirami Financial Services (India) Ltd is 10.0.