Amrapali Capital and Finance Services Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: June 23, 2025, 11:34 pm

Market Cap	19.6 Cr.
Current Price	20.0
High / Low	20.0/19.1
Stock P/E	17.0
Book Value	85.8
Dividend Yield	0.00 %
ROCE	3.31 %
ROE	1.38 %
Face Value	10.0
PEG Ratio	0.67

Quick Insight

Amrapali Capital and Finance Services Ltd, operating within the non-banking financial company (NBFC) sector, presents a mixed financial picture. With a share price of ₹20 and a market capitalization of ₹19.6 crore, the company has a Price-to-Earnings (P/E) ratio of 17, which suggests moderate valuation relative to earnings. However, its low Return on Equity (ROE) of 1.38% and Return on Capital Employed (ROCE) of 3.31% raise concerns about profitability and operational efficiency. The company’s Operating Profit Margin (OPM) of just 0.34% and a high Cash Conversion Cycle (CCC) of 302.33 days further underscore potential liquidity challenges. Despite a reasonable Interest Coverage Ratio (ICR) of 1.62x, the low Price-to-Book Value (P/BV) ratio of 0.21x indicates that the stock may be undervalued. Given these metrics

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

Stock P/E Current Price Intrinsic Value

View Share Price Target for Amrapali Capital and Finance Services Ltd

Competitors of Amrapali Capital and Finance Services Ltd

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Minolta Finance Ltd	10.7 Cr.	1.07	1.91/0.72	1,070	1.07	0.00 %	0.40 %	0.09 %	1.00
Money Masters Leasing & Finance Ltd	16.5 Cr.	1.64	19.4/1.06	32.3	1.57	0.00 %	2.44 %	3.58 %	1.00
Moneyboxx Finance Ltd	572 Cr.	175	346/158	457	79.8	0.00 %	8.73 %	0.58 %	10.0
Moongipa Capital Finance Ltd	18.0 Cr.	19.7	41.0/18.0	13.1	24.9	0.00 %	15.0 %	9.43 %	10.0
Morarka Finance Ltd	53.5 Cr.	119	191/95.0	41.5	212	5.04 %	2.46 %	2.17 %	10.0
Industry Average	26,642.53 Cr	475.14		82.42	498.73	0.26%	15.73%	8.87%	8.48

All Competitor Stocks of Amrapali Capital and Finance Services Ltd

Quarterly Result

Metric	Sep 2019	Mar 2020	Sep 2020	Mar 2021	Sep 2021	Mar 2022	Sep 2022	Mar 2023	Sep 2023	Mar 2024	Sep 2024	Mar 2025
Sales	61.55	17.93	21.81	165.24	8.39	12.06	2.43	8.17	53.50	13.95	-2.37	46.57
Expenses	64.48	16.96	23.54	167.28	9.13	13.06	4.16	10.97	54.72	13.83	-2.17	46.41
Operating Profit	-2.93	0.97	-1.73	-2.04	-0.74	-1.00	-1.73	-2.80	-1.22	0.12	-0.20	0.16
OPM %	-4.76%	5.41%	-7.93%	-1.23%	-8.82%	-8.29%	-71.19%	-34.27%	-2.28%	0.86%		0.34%
Other Income	3.32	3.44	2.53	2.89	1.61	2.48	2.08	2.84	1.93	2.60	1.55	2.49
Interest	1.19	2.45	0.28	2.15	0.19	1.10	0.09	0.08	0.30	0.38	0.91	0.14
Depreciation	0.24	0.24	0.22	0.21	0.40	0.21	0.00	0.45	0.19	1.44	0.27	1.55
Profit before tax	-1.04	1.72	0.30	-1.51	0.28	0.17	0.26	-0.49	0.22	0.90	0.17	0.96
Tax %	0.00%	7.56%	30.00%	-27.15%	28.57%	64.71%	30.77%	104.08%	31.82%	13.33%	23.53%	-6.25%
Net Profit	-1.04	1.59	0.20	-1.10	0.21	0.07	0.18	-1.00	0.16	0.78	0.13	1.03
EPS in Rs	-1.06	1.63	0.20	-1.12	0.21	0.07	0.18	-1.02	0.16	0.80	0.13	1.05

Last Updated: July 16, 2025, 2:55 pm

Below is a detailed analysis of the quarterly data for Amrapali Capital and Finance Services Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:

For Sales, as of Mar 2025, the value is 46.57 Cr.. The value appears strong and on an upward trend. It has increased from -2.37 Cr. (Sep 2024) to 46.57 Cr., marking an increase of 48.94 Cr..
For Expenses, as of Mar 2025, the value is 46.41 Cr.. The value appears to be increasing, which may not be favorable. It has increased from -2.17 Cr. (Sep 2024) to 46.41 Cr., marking an increase of 48.58 Cr..
For Operating Profit, as of Mar 2025, the value is 0.16 Cr.. The value appears strong and on an upward trend. It has increased from -0.20 Cr. (Sep 2024) to 0.16 Cr., marking an increase of 0.36 Cr..
For OPM %, as of Mar 2025, the value is 0.34%. The value appears strong and on an upward trend. It has increased from 0.00% (Sep 2024) to 0.34%, marking an increase of 0.34%.
For Other Income, as of Mar 2025, the value is 2.49 Cr.. The value appears strong and on an upward trend. It has increased from 1.55 Cr. (Sep 2024) to 2.49 Cr., marking an increase of 0.94 Cr..
For Interest, as of Mar 2025, the value is 0.14 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.91 Cr. (Sep 2024) to 0.14 Cr., marking a decrease of 0.77 Cr..
For Depreciation, as of Mar 2025, the value is 1.55 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.27 Cr. (Sep 2024) to 1.55 Cr., marking an increase of 1.28 Cr..
For Profit before tax, as of Mar 2025, the value is 0.96 Cr.. The value appears strong and on an upward trend. It has increased from 0.17 Cr. (Sep 2024) to 0.96 Cr., marking an increase of 0.79 Cr..
For Tax %, as of Mar 2025, the value is -6.25%. The value appears to be improving (decreasing) as expected. It has decreased from 23.53% (Sep 2024) to -6.25%, marking a decrease of 29.78%.
For Net Profit, as of Mar 2025, the value is 1.03 Cr.. The value appears strong and on an upward trend. It has increased from 0.13 Cr. (Sep 2024) to 1.03 Cr., marking an increase of 0.90 Cr..
For EPS in Rs, as of Mar 2025, the value is 1.05. The value appears strong and on an upward trend. It has increased from 0.13 (Sep 2024) to 1.05, marking an increase of 0.92.

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: June 16, 2025, 3:00 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
Sales	6.26	12.45	5.13	58.80	-25.30	3,968.31	85.87	192.42	24.46	14.99	71.14	44.20
Expenses	5.00	11.29	2.40	55.63	-31.54	3,965.91	81.44	190.82	22.18	15.11	68.52	44.26
Operating Profit	1.26	1.16	2.73	3.17	6.24	2.40	4.43	1.60	2.28	-0.12	2.62	-0.06
OPM %	20.13%	9.32%	53.22%	5.39%		0.06%	5.16%	0.83%	9.32%	-0.80%	3.68%	-0.14%
Other Income	0.08	0.34	0.03	0.03	0.05	0.00	0.37	0.05	0.07	0.53	0.83	4.04
Interest	0.70	0.87	1.40	2.21	5.07	1.12	3.64	2.43	1.50	0.18	1.75	2.45
Depreciation	0.28	0.46	0.35	0.58	0.60	0.50	0.48	0.43	0.40	0.45	0.58	0.41
Profit before tax	0.36	0.17	1.01	0.41	0.62	0.78	0.68	-1.21	0.45	-0.22	1.12	1.12
Tax %	30.56%	-35.29%	36.63%	31.71%	25.81%	25.64%	19.12%	-26.45%	40.00%	268.18%	16.96%	-1.79%
Net Profit	0.25	0.23	0.65	0.29	0.46	0.58	0.55	-0.90	0.27	-0.81	0.93	1.15
EPS in Rs	0.26	0.24	0.66	0.30	0.47	0.59	0.56	-0.92	0.28	-0.83	0.95	1.18
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

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 (%)	-8.00%	182.61%	-55.38%	58.62%	26.09%	-5.17%	-263.64%	130.00%	-400.00%	214.81%	23.66%
Change in YoY Net Profit Growth (%)	0.00%	190.61%	-237.99%	114.01%	-32.53%	-31.26%	-258.46%	393.64%	-530.00%	614.81%	-191.16%

Amrapali Capital and Finance Services 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:	14%
5 Years:	-12%
3 Years:	22%
TTM:	-38%

Compounded Profit Growth
10 Years:	45%
5 Years:	16%
3 Years:	60%
TTM:	24%

Stock Price CAGR
10 Years:	-7%
5 Years:	%
3 Years:	%
1 Year:	%

Return on Equity
10 Years:	0%
5 Years:	0%
3 Years:	1%
Last Year:	1%

Last Updated: Unknown

Balance Sheet

Last Updated: July 25, 2025, 1:54 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	9.78	9.78	9.78	9.78	9.78	9.78	9.78	9.78	9.78	9.78	9.78	9.78
Reserves	69.01	71.83	71.39	71.68	72.14	72.88	73.43	72.53	72.81	71.99	72.93	74.08
Borrowings	0.00	0.00	38.11	40.97	35.85	13.60	21.34	0.00	12.65	8.67	26.87	22.06
Other Liabilities	0.47	10.59	10.12	24.97	28.69	40.33	67.33	12.45	4.07	5.97	1.96	3.10
Total Liabilities	79.26	92.20	129.40	147.40	146.46	136.59	171.88	94.76	99.31	96.41	111.54	109.02
Fixed Assets	1.02	1.06	3.71	4.26	4.57	4.16	3.88	3.71	3.48	4.55	4.23	4.23
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	0.07	0.07	0.07	0.07	1.20	4.57	0.07	0.07	0.07	0.07	0.07	0.07
Other Assets	78.17	91.07	125.62	143.07	140.69	127.86	167.93	90.98	95.76	91.79	107.24	104.72
Total Assets	79.26	92.20	129.40	147.40	146.46	136.59	171.88	94.76	99.31	96.41	111.54	109.02

Below is a detailed analysis of the balance sheet data for Amrapali Capital and Finance Services 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 9.78 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 9.78 Cr..
For Reserves, as of Mar 2025, the value is 74.08 Cr.. The value appears strong and on an upward trend. It has increased from 72.93 Cr. (Mar 2024) to 74.08 Cr., marking an increase of 1.15 Cr..
For Borrowings, as of Mar 2025, the value is 22.06 Cr.. The value appears to be improving (decreasing). Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has decreased from 26.87 Cr. (Mar 2024) to 22.06 Cr., marking a decrease of 4.81 Cr..
For Other Liabilities, as of Mar 2025, the value is 3.10 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1.96 Cr. (Mar 2024) to 3.10 Cr., marking an increase of 1.14 Cr..
For Total Liabilities, as of Mar 2025, the value is 109.02 Cr.. The value appears to be improving (decreasing). It has decreased from 111.54 Cr. (Mar 2024) to 109.02 Cr., marking a decrease of 2.52 Cr..
For Fixed Assets, as of Mar 2025, the value is 4.23 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 4.23 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 0.07 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.07 Cr..
For Other Assets, as of Mar 2025, the value is 104.72 Cr.. The value appears to be declining and may need further review. It has decreased from 107.24 Cr. (Mar 2024) to 104.72 Cr., marking a decrease of 2.52 Cr..
For Total Assets, as of Mar 2025, the value is 109.02 Cr.. The value appears to be declining and may need further review. It has decreased from 111.54 Cr. (Mar 2024) to 109.02 Cr., marking a decrease of 2.52 Cr..

Notably, the Reserves (74.08 Cr.) exceed the Borrowings (22.06 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	Month		Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Cash from Operating Activity +	-4.30	-0.79	-31.07	8.86	7.99	16.00	-4.83	-21.03	-25.50	-17.51	43.78	14.63
Cash from Investing Activity +	5.10	5.51	2.92	5.37	3.68	0.79	10.78	4.41	-22.03	9.31	-42.43	-6.19
Cash from Financing Activity +	18.81	-0.86	36.74	0.67	-10.19	-1.39	-3.86	-8.91	12.54	-4.54	-1.43	-8.16
Net Cash Flow	19.61	3.86	8.59	14.90	1.48	15.40	2.09	-25.53	-34.99	-12.74	-0.09	0.28

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	1.26	1.16	-35.38	-37.80	-29.61	-11.20	-16.91	1.60	-10.37	-8.79	-24.25	-22.12

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 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Debtor Days	134.75	13.99	0.29	0.71	0.62	-80.36	0.84	69.54	8.10	4.48	2.92	-17.65
Inventory Days	458.44		1,418.40		128.21		2.20	30.89	24.11	774.63	3,115.75	322.77
Days Payable	1,019.50		6.71		0.28		0.03	5.53	1.24	10.10	101.96	2.79
Cash Conversion Cycle	-426.31	13.99	1,411.98	0.71	128.55	-80.36	3.01	94.90	30.97	769.00	3,016.72	302.33
Working Capital Days	666.08	2,464.62	995.91	1,558.90	308.70	608.81	0.20	55.85	18.61	510.49	1,165.13	313.23
ROCE %	3.03%	1.61%	0.95%	2.40%	2.17%	4.71%	1.78%	4.30%	1.28%	2.21%	-0.03%	2.87%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2019	Sep 2019	Mar 2020	Sep 2020	Mar 2021	Sep 2021	Mar 2022	Sep 2022	Mar 2023	Sep 2023	Mar 2024	Sep 2024
Promoters	59.79%	59.79%	59.79%	59.79%	64.69%	64.69%	64.66%	64.66%	64.66%	64.66%	64.66%	64.66%
Public	40.21%	40.21%	40.21%	40.21%	35.31%	35.31%	35.34%	35.35%	35.34%	35.34%	35.33%	35.33%
No. of Shareholders	68	64	64	64	68	68	63	63	63	63	64	64

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.)	1.18	0.96	-0.83	0.28	-0.92
Diluted EPS (Rs.)	1.18	0.96	-0.83	0.28	-0.92
Cash EPS (Rs.)	1.60	1.54	-0.36	0.68	-0.47
Book Value[Excl.RevalReserv]/Share (Rs.)	85.76	84.58	83.62	84.45	84.17
Book Value[Incl.RevalReserv]/Share (Rs.)	85.76	84.58	83.62	84.45	84.17
Revenue From Operations / Share (Rs.)	45.20	68.98	10.84	20.91	191.28
PBDIT / Share (Rs.)	4.08	3.52	0.40	2.41	1.69
PBIT / Share (Rs.)	3.66	2.93	-0.05	2.00	1.24
PBT / Share (Rs.)	1.15	1.15	-0.23	0.46	-1.24
Net Profit / Share (Rs.)	1.18	0.95	-0.83	0.28	-0.91
PBDIT Margin (%)	9.02	5.10	3.73	11.50	0.88
PBIT Margin (%)	8.09	4.25	-0.51	9.55	0.65
PBT Margin (%)	2.54	1.66	-2.13	2.21	-0.64
Net Profit Margin (%)	2.60	1.38	-7.66	1.34	-0.48
Return on Networth / Equity (%)	1.37	1.13	-0.99	0.33	-1.09
Return on Capital Employeed (%)	4.22	3.39	-0.06	2.31	1.47
Return On Assets (%)	1.05	0.83	-0.84	0.27	-0.94
Total Debt / Equity (X)	0.26	0.32	0.10	0.15	0.00
Asset Turnover Ratio (%)	0.40	0.64	0.10	0.21	1.40
Current Ratio (X)	2.32	2.53	4.53	3.77	6.22
Quick Ratio (X)	0.57	0.52	1.05	1.58	5.21
Interest Coverage Ratio (X)	1.62	1.98	2.32	1.57	0.67
Interest Coverage Ratio (Post Tax) (X)	1.47	1.54	-3.75	1.18	0.63
Enterprise Value (Cr.)	32.28	37.37	14.11	5.35	-48.15
EV / Net Operating Revenue (X)	0.73	0.55	1.33	0.26	-0.25
EV / EBITDA (X)	8.09	10.85	35.61	2.27	-29.20
MarketCap / Net Operating Revenue (X)	0.40	0.26	1.21	0.62	0.02
Price / BV (X)	0.21	0.21	0.15	0.15	0.06
Price / Net Operating Revenue (X)	0.40	0.26	1.21	0.62	0.02
EarningsYield	0.06	0.05	-0.06	0.02	-0.16

After reviewing the key financial ratios for Amrapali Capital and Finance Services 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 1.18. This value is below the healthy minimum of 5. It has increased from 0.96 (Mar 24) to 1.18, marking an increase of 0.22.
For Diluted EPS (Rs.), as of Mar 25, the value is 1.18. This value is below the healthy minimum of 5. It has increased from 0.96 (Mar 24) to 1.18, marking an increase of 0.22.
For Cash EPS (Rs.), as of Mar 25, the value is 1.60. This value is below the healthy minimum of 3. It has increased from 1.54 (Mar 24) to 1.60, marking an increase of 0.06.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 85.76. It has increased from 84.58 (Mar 24) to 85.76, marking an increase of 1.18.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 85.76. It has increased from 84.58 (Mar 24) to 85.76, marking an increase of 1.18.
For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 45.20. It has decreased from 68.98 (Mar 24) to 45.20, marking a decrease of 23.78.
For PBDIT / Share (Rs.), as of Mar 25, the value is 4.08. This value is within the healthy range. It has increased from 3.52 (Mar 24) to 4.08, marking an increase of 0.56.
For PBIT / Share (Rs.), as of Mar 25, the value is 3.66. This value is within the healthy range. It has increased from 2.93 (Mar 24) to 3.66, marking an increase of 0.73.
For PBT / Share (Rs.), as of Mar 25, the value is 1.15. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 1.15.
For Net Profit / Share (Rs.), as of Mar 25, the value is 1.18. This value is below the healthy minimum of 2. It has increased from 0.95 (Mar 24) to 1.18, marking an increase of 0.23.
For PBDIT Margin (%), as of Mar 25, the value is 9.02. This value is below the healthy minimum of 10. It has increased from 5.10 (Mar 24) to 9.02, marking an increase of 3.92.
For PBIT Margin (%), as of Mar 25, the value is 8.09. This value is below the healthy minimum of 10. It has increased from 4.25 (Mar 24) to 8.09, marking an increase of 3.84.
For PBT Margin (%), as of Mar 25, the value is 2.54. This value is below the healthy minimum of 10. It has increased from 1.66 (Mar 24) to 2.54, marking an increase of 0.88.
For Net Profit Margin (%), as of Mar 25, the value is 2.60. This value is below the healthy minimum of 5. It has increased from 1.38 (Mar 24) to 2.60, marking an increase of 1.22.
For Return on Networth / Equity (%), as of Mar 25, the value is 1.37. This value is below the healthy minimum of 15. It has increased from 1.13 (Mar 24) to 1.37, marking an increase of 0.24.
For Return on Capital Employeed (%), as of Mar 25, the value is 4.22. This value is below the healthy minimum of 10. It has increased from 3.39 (Mar 24) to 4.22, marking an increase of 0.83.
For Return On Assets (%), as of Mar 25, the value is 1.05. This value is below the healthy minimum of 5. It has increased from 0.83 (Mar 24) to 1.05, marking an increase of 0.22.
For Total Debt / Equity (X), as of Mar 25, the value is 0.26. This value is within the healthy range. It has decreased from 0.32 (Mar 24) to 0.26, marking a decrease of 0.06.
For Asset Turnover Ratio (%), as of Mar 25, the value is 0.40. It has decreased from 0.64 (Mar 24) to 0.40, marking a decrease of 0.24.
For Current Ratio (X), as of Mar 25, the value is 2.32. This value is within the healthy range. It has decreased from 2.53 (Mar 24) to 2.32, marking a decrease of 0.21.
For Quick Ratio (X), as of Mar 25, the value is 0.57. This value is below the healthy minimum of 1. It has increased from 0.52 (Mar 24) to 0.57, marking an increase of 0.05.
For Interest Coverage Ratio (X), as of Mar 25, the value is 1.62. This value is below the healthy minimum of 3. It has decreased from 1.98 (Mar 24) to 1.62, marking a decrease of 0.36.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.47. This value is below the healthy minimum of 3. It has decreased from 1.54 (Mar 24) to 1.47, marking a decrease of 0.07.
For Enterprise Value (Cr.), as of Mar 25, the value is 32.28. It has decreased from 37.37 (Mar 24) to 32.28, marking a decrease of 5.09.
For EV / Net Operating Revenue (X), as of Mar 25, the value is 0.73. This value is below the healthy minimum of 1. It has increased from 0.55 (Mar 24) to 0.73, marking an increase of 0.18.
For EV / EBITDA (X), as of Mar 25, the value is 8.09. This value is within the healthy range. It has decreased from 10.85 (Mar 24) to 8.09, marking a decrease of 2.76.
For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 0.40. This value is below the healthy minimum of 1. It has increased from 0.26 (Mar 24) to 0.40, marking an increase of 0.14.
For Price / BV (X), as of Mar 25, the value is 0.21. This value is below the healthy minimum of 1. There is no change compared to the previous period (Mar 24) which recorded 0.21.
For Price / Net Operating Revenue (X), as of Mar 25, the value is 0.40. This value is below the healthy minimum of 1. It has increased from 0.26 (Mar 24) to 0.40, marking an increase of 0.14.
For EarningsYield, as of Mar 25, the value is 0.06. This value is below the healthy minimum of 5. It has increased from 0.05 (Mar 24) to 0.06, marking an increase of 0.01.

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 Amrapali Capital and Finance Services Ltd as of July 27, 2025 is: 16.43

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 July 27, 2025, Amrapali Capital and Finance Services Ltd is Overvalued by 17.85% compared to the current share price 20.00

Intrinsic Value of Amrapali Capital and Finance Services Ltd as of July 27, 2025 is: 20.60

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 July 27, 2025, Amrapali Capital and Finance Services Ltd is Undervalued by 3.00% compared to the current share price 20.00

Last 5 Year EPS CAGR: 25.39%

*Investments are subject to market risks

Strength and Weakness

Strength	Weakness
The company has higher reserves (72.23 cr) compared to borrowings (18.34 cr), indicating strong financial stability. The company has shown consistent growth in sales (41.12 cr) and profit (0.44 cr) over the years.	The stock has a low average ROCE of 2.27%, which may not be favorable. The stock has a high average Working Capital Days of 290.16, which may not be favorable. The stock has a high average Cash Conversion Cycle of 70.07, 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 Amrapali Capital and Finance Services Ltd:
1. Net Profit Margin: 2.6%
  - 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: 4.22% (Industry Average ROCE: 15.73%)
  - 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%: 1.37% (Industry Average ROE: 8.87%)
  - 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): 1.47
  - 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: 0.57
  - 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: 17 (Industry average Stock P/E: 82.42)
  - 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: 0.26
  - 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

Amrapali Capital & Finance Services Ltd. is a Public Limited Listed company incorporated on 20/05/1994 and has its registered office in the State of Gujarat, India. Company's Corporate Identification Number(CIN) is L65910GJ1994PLC118992 and registration number is 000362. Currently Company is involved in the business activities of Security and commodity contracts brokerage. Company's Total Operating Revenue is Rs. 44.20 Cr. and Equity Capital is Rs. 9.78 Cr. for the Year ended 31/03/2025.

INDUSTRY	ADDRESS	CONTACT
Non-Banking Financial Company (NBFC)	Unit No. PO5-02E, 5th Floor, Gandhinagar Gujarat 382355	grievances@amrapali.com www.amrapali.com

Management
Name	Position Held
Mr. Alkesh Dashrathlal Patel	Chairman & Managing Director
Mr. Baldev Manubhai Patel	Executive Director
Mr. Chirag Yashvantbhai Thakkar	Non Exe.Non Ind.Director
Ms. Bhumi Atit Patel	Ind. Non-Executive Director
Ms. Urshita Mittalbhai Patel	Ind. Non-Executive Director

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