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

Q: What is the current share price and 52-week range of Amrapali Capital and Finance Services Ltd?

Amrapali Capital and Finance Services Ltd is trading at 57.40 as of 03 September 2026, with a FY2026-2027 high of 82.1 and low of 21.0. The stock is currently in the middle of its 52-week range. Market cap stands at 56.1 Cr..

Q: Is Amrapali Capital and Finance Services Ltd financially healthy?

Key indicators: ROCE of 9.02 % is on the lower side. Dividend yield is 0.00 %.

Fair Value

₹47.92Overvalued by 16.52%vs CMP ₹57.40

P/E (11.5) × ROE (5.6%) × BV (₹90.70) × DY (2.00%)

₹40.79Overvalued by 28.94%vs CMP ₹57.40

MoS: -40.7% (Negative)Confidence: 48/100 (Moderate)Models: 2 Under, 1 Fair, 5 Over

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹67.03	26%	Under (+16.8%)
Graham Number	Earnings	₹55.33	15%	Fair (-3.6%)
Earnings Power	Earnings	₹5.77	12%	Over (-89.9%)
DCF	Cash Flow	₹36.90	12%	Over (-35.7%)
Net Asset Value	Assets	₹91.06	8%	Under (+58.6%)
EV/EBITDA	Enterprise	₹4.20	10%	Over (-92.7%)
Earnings Yield	Earnings	₹15.00	8%	Over (-73.9%)
ROCE Capital	Returns	₹11.16	8%	Over (-80.6%)
Consensus (8 models)		₹40.79	100%	Overvalued

Key Drivers: EPS CAGR 39.9% lifts DCF — verify sustainability. | Wide model spread (₹4–₹91) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 39.9%

*Investments are subject to market risks

Analyst Summary

Amrapali Capital and Finance Services Ltd operates in the Non-Banking Financial Company (NBFC) segment, NSE: ACFSL | BSE: 536737, current market price is ₹57.40, market cap is 56.1 Cr.. At a glance, stock P/E is 11.5, ROE is 5.63 %, ROCE is 9.02 %, book value is 90.7, dividend yield is 0.00 %. The latest intrinsic value estimate is ₹40.79, around 28.9% below the current price, so expectations may already be running ahead of this modelled fair value. On operating trend, latest reported sales are about ₹48 Cr versus the prior period change of -32.4%, while latest net profit is about ₹1 Cr with a prior-period change of 23.7%. The 52-week range shown on this page is 82.1/21.0, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisAmrapali 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…

This summary is generated from the stock page data available for Amrapali Capital and Finance Services Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

Amrapali Capital and Finance Services Ltd scores 48/100 (Average)

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

Stock Health55/100 · Moderate

ROCE 9.0% AverageROE 5.6% WeakD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 3/5 years Mixed

Smart Money50/100 · Moderate

Promoter holding at 64.7% Stable

Earnings Quality40/100 · Moderate

Working capital: 354 days Capital intensive

Quarterly Momentum50/100 · Moderate

Industry Rank45/100 · Moderate

P/E 11.5 vs industry 39.2 Cheaper than peersROCE 9.0% vs industry 17.4% Below peersROE 5.6% vs industry 13.0% 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.

Share Price and Basic Stock Data

Last Updated: August 25, 2026, 9:22 am

Market Cap	56.1 Cr.
Current Price	57.4
Intrinsic Value	₹40.79
High / Low	82.1/21.0
Stock P/E	11.5
Book Value	90.7
Dividend Yield	0.00 %
ROCE	9.02 %
ROE	5.63 %
Face Value	10.0
PEG Ratio	0.29

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

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Amrapali Capital and Finance Services Ltd	56.1 Cr.	57.4	82.1/21.0	11.5	90.7	0.00 %	9.02 %	5.63 %	10.0
Abhinav Leasing & Finance Ltd	5.00 Cr.	1.00	1.64/0.86	11.4	1.35	0.00 %	9.76 %	10.3 %	1.00
F Mec International Financial Services Ltd	60.2 Cr.	12.3	27.3/10.4	11.9	3.29	0.00 %	16.9 %	14.7 %	2.00
Dharani Finance Ltd	6.55 Cr.	13.1	18.0/8.36	11.1	20.1	0.00 %	8.21 %	5.64 %	10.0
Money Masters Leasing & Finance Ltd	5.82 Cr.	0.58	1.70/0.55	10.8	1.34	0.00 %	3.42 %	2.71 %	1.00
Industry Average	31,121.66 Cr	393.85		39.20	494.41	0.26%	17.38%	13.02%	8.42

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	Sep 2025
Revenue	61.55	17.93	21.81	165.24	8.39	12.06	2.43	8.17	53.50	13.95	-2.37	46.57	-5.79
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	1.25
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	-6.32
Financing Profit	-4.12	-1.48	-2.01	-4.19	-0.93	-2.10	-1.82	-2.88	-1.52	-0.26	-1.11	0.02	-0.72
Financing Margin %	-6.69%	-8.25%	-9.22%	-2.54%	-11.08%	-17.41%	-74.90%	-35.25%	-2.84%	-1.86%	46.84%	0.04%	12.44%
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	1.46
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	0.18
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	0.56
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%	21.43%
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	0.44
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	0.45
Gross NPA %
Net NPA %

Last Updated: February 3, 2026, 6:16 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 26, 2026, 7:16 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	6.26	12.45	5.13	58.80	-25.30	3,968.31	85.87	192.42	24.46	14.99	71.06	48.02	40.78
Interest	0.70	0.87	1.40	2.21	5.07	1.12	3.64	2.43	1.50	0.18	1.75	2.47	1.39
Expenses	5.00	11.29	2.40	55.63	-31.54	3,965.91	81.44	190.82	22.18	15.11	68.53	44.24	40.09
Financing Profit	0.56	0.29	1.33	0.96	1.17	1.28	0.79	-0.83	0.78	-0.30	0.78	1.31	-0.70
Financing Margin %	8.95%	2.33%	25.93%	1.63%	-4.62%	0.03%	0.92%	-0.43%	3.19%	-2.00%	1.10%	2.73%	-1.72%
Other Income	0.08	0.34	0.03	0.03	0.05	0.00	0.37	0.05	0.07	0.53	0.92	0.22	3.95
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	1.73
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	1.52
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	1.47
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	1.50
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:	-4%
5 Years:	%
3 Years:	%
1 Year:	%

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

Last Updated: September 5, 2025, 2:16 pm

Balance Sheet

Last Updated: July 31, 2026, 4:00 am

Month	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	10	10	10	10	10	10	10	10	10	10	10	10
Reserves	72	71	72	72	73	73	73	73	72	73	74	79
Borrowing	0	38	41	36	14	21	0	13	9	27	22	31
Other Liabilities	11	10	25	29	40	67	12	4	6	2	3	23
Total Liabilities	92	129	147	146	137	172	95	99	96	112	109	142
Fixed Assets	1	4	4	5	4	4	4	3	5	4	4	23
CWIP	0	0	0	0	0	0	0	0	0	0	0	0
Investments	0	0	0	1	5	0	0	0	0	0	0	0
Other Assets	91	126	143	141	128	168	91	96	92	107	105	119
Total Assets	92	129	147	146	137	172	95	99	96	112	109	142

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity +	-1	-31	9	8	16	-5	-21	-26	-18	5	10	2
Cash from Investing Activity +	6	3	5	4	1	11	4	-22	9	-3	-6	-6
Cash from Financing Activity +	-1	37	1	-10	-1	-4	-9	13	-5	-1	-3	3
Net Cash Flow	4	9	15	1	15	2	-26	-35	-13	-0	0	-0
Free Cash Flow	-1	-34	8	7	16	-5	-21	-27	-19	5	10	-17
CFO/OP	-66%	-1,125%	280%	128%	667%	-109%	-1,314%	-1,118%	14,592%	186%	260%	78%

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	5.00	11.29	-35.60	14.63	-67.54	-11.00	60.44	190.82	9.18	6.11	41.53	22.24

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	13.99	0.29	0.71	0.62	-80.36	0.84	69.54	8.10	4.48	2.92	-17.67	0.46
Inventory Days		1,418.40		128.21		2.20	30.89	24.11	774.63	3,115.75	322.77	393.26
Days Payable		6.71		0.28		0.03	5.53	1.24	10.10	101.96	2.79	12.47
Cash Conversion Cycle	13.99	1,411.98	0.71	128.55	-80.36	3.01	94.90	30.97	769.00	3,016.72	302.31	381.25
Working Capital Days	2,464.62	995.91	-1,152.63	54.38	95.94	-1.03	55.85	18.61	510.49	1,165.13	313.58	354.28
ROCE %	1.61%	0.95%	2.40%	2.17%	4.71%	1.78%	4.30%	1.28%	2.21%	-0.03%	2.87%	3.33%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Sep 2020	Mar 2021	Sep 2021	Mar 2022	Sep 2022	Mar 2023	Sep 2023	Mar 2024	Sep 2024	Mar 2025	Sep 2025	Mar 2026
Promoters	59.79%	64.69%	64.69%	64.66%	64.66%	64.66%	64.66%	64.66%	64.66%	64.66%	64.66%	64.66%
Public	40.21%	35.31%	35.31%	35.34%	35.35%	35.34%	35.34%	35.33%	35.33%	35.33%	35.33%	35.34%
No. of Shareholders	64	68	68	63	63	63	63	64	64	64	62	62

Shareholding Pattern Chart

No. of Shareholders

Amrapali Capital and Finance Services 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.)	1.18	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
Inventory Turnover Ratio (X)	0.91	0.00	0.00	0.00	0.00
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

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

[display_about_company_data title=”About the Company – Qualitative Analysis”]

FAQ

What is the intrinsic value of Amrapali Capital and Finance Services Ltd and is it undervalued?

As of 03 September 2026, Amrapali Capital and Finance Services Ltd's intrinsic value is ₹40.79, which is 28.94% lower than the current market price of ₹57.40, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (5.63 %), book value (₹90.7), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Amrapali Capital and Finance Services Ltd?

Amrapali Capital and Finance Services Ltd is trading at ₹57.40 as of 03 September 2026, with a FY2026-2027 high of ₹82.1 and low of ₹21.0. The stock is currently in the middle of its 52-week range. Market cap stands at ₹56.1 Cr..

How does Amrapali Capital and Finance Services Ltd's P/E ratio compare to its industry?

Amrapali Capital and Finance Services Ltd has a P/E ratio of 11.5, which is below the industry average of 39.20. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is Amrapali Capital and Finance Services Ltd financially healthy?

Key indicators for Amrapali Capital and Finance Services Ltd: ROCE of 9.02 % is on the lower side compared to the industry average of 17.38%; ROE of 5.63 % is below ideal levels (industry average: 13.02%). Dividend yield is 0.00 %.

Is Amrapali Capital and Finance Services Ltd profitable and how is the profit trend?

Amrapali Capital and Finance Services Ltd reported a net profit of ₹1 Cr in Mar 2025 on revenue of ₹48 Cr. Compared to ₹0 Cr in Mar 2022, the net profit shows an improving trend.

Does Amrapali Capital and Finance Services Ltd pay dividends?

Amrapali Capital and Finance Services Ltd has a dividend yield of 0.00 % at the current price of ₹57.40. The company is currently not paying meaningful dividends.