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

Q: What is the current share price and 52-week range of Abirami Financial Services (India) Ltd?

Abirami Financial Services (India) Ltd is trading at 31.40 as of 08 April 2026, with a FY2026-2027 high of 56.2 and low of 27.9. The stock is currently near its 52-week low. Market cap stands at 16.9 Cr..

Q: Is Abirami Financial Services (India) Ltd financially healthy?

Key indicators: ROCE of 4.05 % is on the lower side. Dividend yield is 4.78 %.

Fair Value

₹29.88Fairly Valued by 4.84%vs CMP ₹31.40

P/E (34.6) × ROE (2.9%) × BV (₹35.90) × DY (4.78%)

₹31.64Fairly Valued by 0.76%vs CMP ₹31.40

MoS: +0.8% (Thin)Confidence: 38/100 (Low)Models: 3 Under, 3 Over

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹35.05	31%	Under (+11.6%)
Graham Number	Earnings	₹26.96	19%	Over (-14.1%)
Earnings Power	Earnings	₹54.14	15%	Under (+72.4%)
DCF	Cash Flow	₹20.15	15%	Over (-35.8%)
Net Asset Value	Assets	₹35.86	10%	Under (+14.2%)
Earnings Yield	Earnings	₹9.00	10%	Over (-71.3%)
Consensus (6 models)		₹31.64	100%	Fairly Valued

Key Drivers: ROE 2.9% is below cost of equity. | Wide model spread (₹9–₹54) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 17.3%

*Investments are subject to market risks

Investment Snapshot

Abirami Financial Services (India) Ltd scores 47/100 (Average)

Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison

Stock Health50/100 · Moderate

ROCE 4.1% WeakROE 2.9% WeakD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 3/5 years Mixed

Smart Money50/100 · Moderate

Promoter holding at 65.7% Stable

Earnings Quality50/100 · Moderate

Quarterly Momentum40/100 · Moderate

Profit (4Q): -34% YoY Declining

Industry Rank45/100 · Moderate

P/E 34.6 vs industry 101.6 Cheaper than peersROCE 4.1% vs industry 15.8% Below peersROE 2.9% vs industry 8.8% Below 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.

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 3:59 am

Market Cap	16.9 Cr.
Current Price	31.4
Intrinsic Value	₹31.64
High / Low	56.2/27.9
Stock P/E	34.6
Book Value	35.9
Dividend Yield	4.78 %
ROCE	4.05 %
ROE	2.87 %
Face Value	10.0
PEG Ratio	2.00

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

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Abirami Financial Services (India) Ltd	16.9 Cr.	31.4	56.2/27.9	34.6	35.9	4.78 %	4.05 %	2.87 %	10.0
Abhinav Capital Services Ltd	82.7 Cr.	119	180/107	33.8	111	0.00 %	4.58 %	1.54 %	10.0
Finkurve Financial Services Ltd	789 Cr.	56.4	154/48.0	36.0	23.5	0.00 %	11.4 %	8.81 %	1.00
Atharv Enterprises Ltd	6.63 Cr.	3.90	5.80/2.76	33.2	11.8	0.00 %	1.22 %	0.95 %	10.0
BAMPSL Securities Ltd	65.3 Cr.	19.2	25.5/15.2	33.0	11.9	0.00 %	4.69 %	3.48 %	10.0
Industry Average	22,241.21 Cr	369.74		101.56	513.16	0.26%	15.81%	8.84%	8.50

All Competitor Stocks of Abirami Financial Services (India) Ltd

Quarterly Result

Metric	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	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
Interest	0.00	0.00	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Expenses	0.15	0.26	0.14	0.24	0.17	0.17	0.14	0.19	0.16	0.15	0.15	0.15	0.19
Financing Profit	-0.15	-0.26	-0.14	-0.24	-0.18	-0.17	-0.14	-0.19	-0.16	-0.15	-0.15	-0.15	-0.19
Financing Margin %
Other Income	0.43	0.31	0.32	0.45	0.48	0.58	0.44	0.36	0.34	0.31	0.34	0.34	0.34
Depreciation	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit before tax	0.28	0.04	0.18	0.21	0.30	0.41	0.30	0.17	0.18	0.16	0.19	0.19	0.15
Tax %	0.00%	0.00%	5.56%	42.86%	-203.33%	36.59%	23.33%	17.65%	27.78%	31.25%	31.58%	21.05%	26.67%
Net Profit	0.27	0.04	0.17	0.12	0.91	0.25	0.22	0.14	0.13	0.11	0.12	0.15	0.11
EPS in Rs	0.45	0.07	0.31	0.22	1.69	0.46	0.41	0.26	0.24	0.20	0.22	0.28	0.20
Gross NPA %
Net NPA %

Last Updated: March 3, 2026, 1:17 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 26, 2026, 2:16 pm

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	TTM
Revenue	0.89	0.70	0.76	0.46	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
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	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	0.64
Financing Profit	0.19	0.25	0.40	0.11	-0.34	-0.32	-0.38	-0.52	-0.56	-1.23	-0.73	-0.64	-0.64
Financing Margin %	21.35%	35.71%	52.63%	23.91%
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	1.33
Depreciation	0.20	0.21	0.18	0.14	0.13	0.12	0.10	0.11	0.09	0.02	0.01	0.00	0.00
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	0.81	0.69
Tax %	33.33%	17.78%	14.71%	14.29%	22.73%	33.33%	28.57%	0.00%	0.00%	21.52%	-33.03%	28.40%
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	0.49
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	0.90
Dividend Payout %	0.00%	0.00%	0.00%	300.00%	105.88%	0.00%	0.00%	0.00%	0.00%	8.22%	93.10%	139.66%

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:	12%
5 Years:	58%
3 Years:	94%
1 Year:	-15%

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

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

Balance Sheet

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

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	Sep 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	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	13.90
Borrowing	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
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	0.73
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	20.03
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	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	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	0.92
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	19.10
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	20.03

Reserves and Borrowings Chart

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
Cash from Operating Activity +	-0.21	3.05	0.00	0.43	0.63	1.04	0.22	-0.05	-0.09	-5.69	-0.48	-0.50
Cash from Investing Activity +	0.05	-3.00	0.00	0.07	-0.11	-0.45	-0.85	0.42	0.04	21.74	1.53	1.39
Cash from Financing Activity +	0.01	0.00	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	0.00	0.22	0.11	0.37	-0.62	0.37	-0.05	16.05	-2.13	-0.46
Free Cash Flow	-0.56	3.02	0.00	0.43	0.60	1.06	0.23	-0.05	-0.11	15.29	-0.48	-0.51
CFO/OP	-55%	1,220%	0%	358%	-185%	-325%	-58%	10%	16%	463%	67%	79%

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	0.69	0.45	0.36	0.34	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

Share Holding Pattern

Month	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	59.08%	65.65%	65.65%	65.65%	65.65%	65.65%	65.65%	65.65%	65.65%	65.65%	65.65%	65.65%
Public	40.92%	34.35%	34.35%	34.35%	34.35%	34.35%	34.36%	34.34%	34.34%	34.35%	34.35%	34.35%
No. of Shareholders	1,387	1,349	1,491	1,181	1,416	1,584	1,807	2,252	2,324	2,324	2,401	2,339

Shareholding Pattern Chart

No. of Shareholders

Abirami Financial Services (India) 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

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.)	1.50	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)	43.70	44.41	6.31	70.70	78.22
Quick Ratio (X)	43.70	44.41	6.31	70.70	78.22
Dividend Payout Ratio (NP) (%)	234.00	74.40	0.00	0.00	0.00
Dividend Payout Ratio (CP) (%)	232.01	74.00	0.00	0.00	0.00
Earning Retention Ratio (%)	-134.00	25.60	0.00	0.00	0.00
Cash Earning Retention Ratio (%)	-132.01	26.00	0.00	0.00	0.00
Interest Coverage Ratio (X)	157.15	89.10	47581.43	-276.56	-46.18
Interest Coverage Ratio (Post Tax) (X)	112.33	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 (%)	-134.00	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

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

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, Parthasarathy Puram, Chennai (Madras) Tamil Nadu 600017	Contact not found

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

FAQ

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

As of 08 April 2026, Abirami Financial Services (India) Ltd's intrinsic value is ₹31.64, which is 0.76% higher than the current market price of ₹31.40, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (2.87 %), book value (₹35.9), dividend yield (4.78 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Abirami Financial Services (India) Ltd?

Abirami Financial Services (India) Ltd is trading at ₹31.40 as of 08 April 2026, with a FY2026-2027 high of ₹56.2 and low of ₹27.9. The stock is currently near its 52-week low. Market cap stands at ₹16.9 Cr..

How does Abirami Financial Services (India) Ltd's P/E ratio compare to its industry?

Abirami Financial Services (India) Ltd has a P/E ratio of 34.6, 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 Abirami Financial Services (India) Ltd financially healthy?

Key indicators for Abirami Financial Services (India) Ltd: ROCE of 4.05 % is on the lower side compared to the industry average of 15.81%; ROE of 2.87 % is below ideal levels (industry average: 8.84%). Dividend yield is 4.78 %.

Is Abirami Financial Services (India) Ltd profitable and how is the profit trend?

Abirami Financial Services (India) Ltd reported a net profit of ₹1 Cr in Mar 2025. Compared to ₹0 Cr in Mar 2022, the net profit shows an improving trend.

Does Abirami Financial Services (India) Ltd pay dividends?

Abirami Financial Services (India) Ltd has a dividend yield of 4.78 % at the current price of ₹31.40. This is a relatively attractive yield for income-seeking investors.