Anjani Finance Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: April 24, 2025, 8:34 pm

Market Cap	13.0 Cr.
Current Price	12.8
High / Low	15.9/10.0
Stock P/E	19.9
Book Value	14.5
Dividend Yield	0.00 %
ROCE	4.10 %
ROE	3.47 %
Face Value	10.0
PEG Ratio	-6.37

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

Stock P/E Current Price Intrinsic Value

View Share Price Target for Anjani Finance Ltd

Competitors of Anjani Finance Ltd

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Minolta Finance Ltd	14.9 Cr.	1.49	1.91/0.65	166	1.08	0.00 %	0.59 %	0.47 %	1.00
Money Masters Leasing & Finance Ltd	17.2 Cr.	1.71	19.5/1.61	22.0	1.56	0.00 %	2.57 %	4.07 %	1.00
Moneyboxx Finance Ltd	771 Cr.	236	373/158	72.4	81.0	0.00 %	11.4 %	7.45 %	10.0
Moongipa Capital Finance Ltd	20.8 Cr.	22.7	41.0/17.7	10.7	8.69	0.00 %	34.9 %	31.6 %	10.0
Morarka Finance Ltd	51.7 Cr.	115	191/95.0	18.4	387	5.23 %	4.04 %	3.58 %	10.0
Industry Average	26,448.22 Cr	535.01		40.99	534.29	0.26%	19.41%	10.52%	8.49

All Competitor Stocks of Anjani Finance Ltd

Quarterly Result

Metric	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Sales	0.30	0.34	0.13	0.24	0.22	0.24	0.20	0.66	-0.15	0.31	0.25	0.20	0.11
Expenses	0.05	0.18	0.03	0.04	1.67	0.08	0.35	-1.66	-0.04	0.19	0.06	0.07	0.05
Operating Profit	0.25	0.16	0.10	0.20	-1.45	0.16	-0.15	2.32	-0.11	0.12	0.19	0.13	0.06
OPM %	83.33%	47.06%	76.92%	83.33%	-659.09%	66.67%	-75.00%	351.52%		38.71%	76.00%	65.00%	54.55%
Other Income	0.08	0.14	0.17	0.07	0.09	0.17	0.15	0.07	0.06	0.13	0.17	0.07	0.05
Interest	0.15	0.14	0.14	0.12	0.11	0.12	0.12	0.11	0.12	0.15	0.10	0.03	0.03
Depreciation	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
Profit before tax	0.18	0.16	0.13	0.15	-1.47	0.21	-0.12	2.28	-0.17	0.10	0.26	0.17	0.08
Tax %	5.56%	12.50%	7.69%	6.67%	-17.69%	33.33%	-8.33%	19.30%	5.88%	30.00%	-15.38%	47.06%	62.50%
Net Profit	0.09	0.35	-0.25	0.35	-1.34	0.34	0.35	3.00	3.30	0.24	0.30	0.09	0.02
EPS in Rs	0.09	0.35	-0.25	0.35	-1.32	0.34	0.35	2.96	3.25	0.24	0.30	0.09	0.02

Last Updated: Unknown

Below is a detailed analysis of the quarterly data for Anjani Finance Ltd based on the most recent figures (Mar 2024) and their trends compared to the previous period:

For Sales, as of Mar 2024, the value is 0.11 Cr.. The value appears to be declining and may need further review. It has decreased from 0.20 Cr. (Dec 2023) to 0.11 Cr., marking a decrease of 0.09 Cr..
For Expenses, as of Mar 2024, the value is 0.05 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.07 Cr. (Dec 2023) to 0.05 Cr., marking a decrease of 0.02 Cr..
For Operating Profit, as of Mar 2024, the value is 0.06 Cr.. The value appears to be declining and may need further review. It has decreased from 0.13 Cr. (Dec 2023) to 0.06 Cr., marking a decrease of 0.07 Cr..
For OPM %, as of Mar 2024, the value is 54.55%. The value appears to be declining and may need further review. It has decreased from 65.00% (Dec 2023) to 54.55%, marking a decrease of 10.45%.
For Other Income, as of Mar 2024, the value is 0.05 Cr.. The value appears to be declining and may need further review. It has decreased from 0.07 Cr. (Dec 2023) to 0.05 Cr., marking a decrease of 0.02 Cr..
For Interest, as of Mar 2024, the value is 0.03 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2023) which recorded 0.03 Cr..
For Depreciation, as of Mar 2024, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2023) which recorded 0.00 Cr..
For Profit before tax, as of Mar 2024, the value is 0.08 Cr.. The value appears to be declining and may need further review. It has decreased from 0.17 Cr. (Dec 2023) to 0.08 Cr., marking a decrease of 0.09 Cr..
For Tax %, as of Mar 2024, the value is 62.50%. The value appears to be increasing, which may not be favorable. It has increased from 47.06% (Dec 2023) to 62.50%, marking an increase of 15.44%.
For Net Profit, as of Mar 2024, the value is 0.02 Cr.. The value appears to be declining and may need further review. It has decreased from 0.09 Cr. (Dec 2023) to 0.02 Cr., marking a decrease of 0.07 Cr..
For EPS in Rs, as of Mar 2024, the value is 0.02. The value appears to be declining and may need further review. It has decreased from 0.09 (Dec 2023) to 0.02, marking a decrease of 0.07.

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: October 23, 2024, 3:09 pm

Metric	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Sales	0.55	0.52	0.87	1.40	1.40	1.27
Expenses	0.30	0.32	0.30	1.90	-1.28	0.35
Operating Profit	0.25	0.20	0.57	-0.50	2.68	0.92
OPM %	45.45%	38.46%	65.52%	-35.71%	191.43%	72.44%
Other Income	0.43	0.40	0.43	0.00	0.00	0.00
Interest	0.34	0.27	0.53	0.52	0.48	0.31
Depreciation	0.01	0.01	0.01	0.00	0.01	0.01
Profit before tax	0.33	0.32	0.46	-1.02	2.19	0.60
Tax %	-18.18%	18.75%	8.70%	-22.55%	23.29%	20.00%
Net Profit	0.39	0.76	0.51	-0.89	6.99	0.65
EPS in Rs	0.38	0.75	0.50	-0.88	6.89	0.64
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	94.87%	-32.89%	-274.51%	885.39%	-90.70%
Change in YoY Net Profit Growth (%)	0.00%	-127.77%	-241.62%	1159.90%	-976.09%

Anjani Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 5 years from 2019-2020 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	%
5 Years:	18%
3 Years:	13%
TTM:	-9%

Compounded Profit Growth
10 Years:	%
5 Years:	11%
3 Years:	8%
TTM:	-91%

Stock Price CAGR
10 Years:	8%
5 Years:	69%
3 Years:	28%
1 Year:	10%

Return on Equity
10 Years:	%
5 Years:	8%
3 Years:	11%
Last Year:	3%

Last Updated: Unknown

Balance Sheet

Last Updated: Unknown

Month	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Equity Capital	10.14	10.14	10.14	10.14	10.14	10.14
Reserves	7.87	8.63	9.14	9.16	12.70	4.53
Borrowings	2.37	6.06	7.09	6.11	6.90	0.00
Other Liabilities	0.20	0.20	0.21	0.31	0.42	0.40
Total Liabilities	20.58	25.03	26.58	25.72	30.16	15.07
Fixed Assets	0.16	0.15	0.15	0.14	0.14	0.13
CWIP	0.00	0.00	0.00	0.00	0.00	0.00
Investments	15.76	16.27	16.35	17.16	19.01	10.37
Other Assets	4.66	8.61	10.08	8.42	11.01	4.57
Total Assets	20.58	25.03	26.58	25.72	30.16	15.07

Below is a detailed analysis of the balance sheet data for Anjani Finance Ltd based on the most recent figures (Mar 2024) and their trends compared to the previous period:

For Equity Capital, as of Mar 2024, the value is ₹10.14 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2023) which recorded 10.14 Cr..
For Reserves, as of Mar 2024, the value is ₹4.53 Cr.. The value appears to be declining and may need further review. It has decreased from 12.70 Cr. (Mar 2023) to ₹4.53 Cr., marking a decrease of 8.17 Cr..
For Borrowings, as of Mar 2024, the value is ₹0.00 Cr.. The value appears to be improving (decreasing). Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has decreased from 6.90 Cr. (Mar 2023) to ₹0.00 Cr., marking a decrease of 6.90 Cr..
For Other Liabilities, as of Mar 2024, the value is ₹0.40 Cr.. The value appears to be improving (decreasing). It has decreased from 0.42 Cr. (Mar 2023) to ₹0.40 Cr., marking a decrease of 0.02 Cr..
For Total Liabilities, as of Mar 2024, the value is ₹15.07 Cr.. The value appears to be improving (decreasing). It has decreased from 30.16 Cr. (Mar 2023) to ₹15.07 Cr., marking a decrease of 15.09 Cr..
For Fixed Assets, as of Mar 2024, the value is ₹0.13 Cr.. The value appears to be declining and may need further review. It has decreased from 0.14 Cr. (Mar 2023) to ₹0.13 Cr., marking a decrease of 0.01 Cr..
For CWIP, as of Mar 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2023) which recorded 0.00 Cr..
For Investments, as of Mar 2024, the value is ₹10.37 Cr.. The value appears to be declining and may need further review. It has decreased from 19.01 Cr. (Mar 2023) to ₹10.37 Cr., marking a decrease of 8.64 Cr..
For Other Assets, as of Mar 2024, the value is ₹4.57 Cr.. The value appears to be declining and may need further review. It has decreased from 11.01 Cr. (Mar 2023) to ₹4.57 Cr., marking a decrease of 6.44 Cr..
For Total Assets, as of Mar 2024, the value is ₹15.07 Cr.. The value appears to be declining and may need further review. It has decreased from 30.16 Cr. (Mar 2023) to ₹15.07 Cr., marking a decrease of 15.09 Cr..

Notably, the Reserves (4.53 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 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	0.40	-3.87	3.36	1.28	0.37	5.97
Cash from Investing Activity +	0.00	0.00	0.00	0.00	0.00	0.00
Cash from Financing Activity +	-0.34	3.95	1.37	-1.50	0.31	-7.22
Net Cash Flow	0.06	0.08	4.73	-0.21	0.68	-1.24

Free Cash Flow

Month	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	-2.12	-5.86	-6.52	-6.61	-4.22	0.92

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 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Debtor Days	46.45	147.40	71.32	18.25	15.64	17.24
Inventory Days
Days Payable
Cash Conversion Cycle	46.45	147.40	71.32	18.25	15.64	17.24
Working Capital Days	-6.64	84.23	41.95	78.21	13.04	20.12
ROCE %		2.61%	3.87%	-1.93%	9.68%	4.10%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Promoters	55.48%	55.41%	55.18%	53.67%	52.85%	52.75%	52.75%	52.75%	52.75%	52.75%	52.87%	53.38%
Public	44.52%	44.59%	44.83%	46.34%	47.14%	47.24%	47.24%	47.24%	47.25%	47.24%	47.12%	46.63%
No. of Shareholders	5,004	5,144	5,204	5,165	5,149	5,089	5,175	5,299	5,757	5,801	6,283	6,568

Shareholding Pattern Chart

No. of Shareholders

This stock is not held by any mutual fund

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	0.64	6.89	-0.88	0.42	0.75
Diluted EPS (Rs.)	0.64	6.89	-0.88	0.42	0.75
Cash EPS (Rs.)	0.48	1.67	-0.77	0.42	0.25
Book Value[Excl.RevalReserv]/Share (Rs.)	14.47	22.52	19.03	19.02	18.51
Book Value[Incl.RevalReserv]/Share (Rs.)	14.47	22.52	19.03	19.02	18.51
Revenue From Operations / Share (Rs.)	1.25	1.38	1.38	0.85	0.51
PBDIT / Share (Rs.)	0.91	2.64	-0.49	0.98	0.59
PBIT / Share (Rs.)	0.90	2.63	-0.50	0.97	0.58
PBT / Share (Rs.)	0.59	2.16	-1.01	0.45	0.32
Net Profit / Share (Rs.)	0.47	1.66	-0.77	0.41	0.25
NP After MI And SOA / Share (Rs.)	0.64	6.89	-0.87	0.50	0.75
PBDIT Margin (%)	72.76	190.73	-35.97	114.95	115.38
PBIT Margin (%)	72.32	190.33	-36.30	114.26	114.25
PBT Margin (%)	47.60	156.27	-73.33	53.16	62.48
Net Profit Margin (%)	38.06	119.95	-56.32	48.76	49.18
NP After MI And SOA Margin (%)	51.49	497.91	-63.41	59.01	145.90
Return on Networth / Equity (%)	4.45	30.59	-4.60	2.65	4.06
Return on Capital Employeed (%)	6.19	11.59	-2.62	5.10	3.16
Return On Assets (%)	4.33	23.17	-3.45	1.92	3.04
Total Debt / Equity (X)	0.00	0.30	0.31	0.36	0.32
Asset Turnover Ratio (%)	0.05	0.05	0.00	0.00	0.00
Current Ratio (X)	63.18	4.16	3.92	3.64	3.99
Quick Ratio (X)	63.18	4.16	3.92	3.64	3.99
Interest Coverage Ratio (X)	2.94	5.60	-0.97	1.88	2.23
Interest Coverage Ratio (Post Tax) (X)	2.54	4.52	-0.52	1.80	1.95
Enterprise Value (Cr.)	8.53	9.13	7.10	6.85	6.84
EV / Net Operating Revenue (X)	6.72	6.50	5.07	7.91	13.07
EV / EBITDA (X)	9.23	3.41	-14.08	6.88	11.32
MarketCap / Net Operating Revenue (X)	9.97	5.41	4.05	5.38	1.82
Price / BV (X)	0.86	0.33	0.29	0.24	0.05
Price / Net Operating Revenue (X)	9.97	5.42	4.05	5.39	1.83
EarningsYield	0.05	0.91	-0.15	0.10	0.80

After reviewing the key financial ratios for Anjani Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:

For FaceValue, as of Mar 24, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 10.00.
For Basic EPS (Rs.), as of Mar 24, the value is 0.64. This value is below the healthy minimum of 5. It has decreased from 6.89 (Mar 23) to 0.64, marking a decrease of 6.25.
For Diluted EPS (Rs.), as of Mar 24, the value is 0.64. This value is below the healthy minimum of 5. It has decreased from 6.89 (Mar 23) to 0.64, marking a decrease of 6.25.
For Cash EPS (Rs.), as of Mar 24, the value is 0.48. This value is below the healthy minimum of 3. It has decreased from 1.67 (Mar 23) to 0.48, marking a decrease of 1.19.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 14.47. It has decreased from 22.52 (Mar 23) to 14.47, marking a decrease of 8.05.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 14.47. It has decreased from 22.52 (Mar 23) to 14.47, marking a decrease of 8.05.
For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 1.25. It has decreased from 1.38 (Mar 23) to 1.25, marking a decrease of 0.13.
For PBDIT / Share (Rs.), as of Mar 24, the value is 0.91. This value is below the healthy minimum of 2. It has decreased from 2.64 (Mar 23) to 0.91, marking a decrease of 1.73.
For PBIT / Share (Rs.), as of Mar 24, the value is 0.90. This value is within the healthy range. It has decreased from 2.63 (Mar 23) to 0.90, marking a decrease of 1.73.
For PBT / Share (Rs.), as of Mar 24, the value is 0.59. This value is within the healthy range. It has decreased from 2.16 (Mar 23) to 0.59, marking a decrease of 1.57.
For Net Profit / Share (Rs.), as of Mar 24, the value is 0.47. This value is below the healthy minimum of 2. It has decreased from 1.66 (Mar 23) to 0.47, marking a decrease of 1.19.
For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 0.64. This value is below the healthy minimum of 2. It has decreased from 6.89 (Mar 23) to 0.64, marking a decrease of 6.25.
For PBDIT Margin (%), as of Mar 24, the value is 72.76. This value is within the healthy range. It has decreased from 190.73 (Mar 23) to 72.76, marking a decrease of 117.97.
For PBIT Margin (%), as of Mar 24, the value is 72.32. This value exceeds the healthy maximum of 20. It has decreased from 190.33 (Mar 23) to 72.32, marking a decrease of 118.01.
For PBT Margin (%), as of Mar 24, the value is 47.60. This value is within the healthy range. It has decreased from 156.27 (Mar 23) to 47.60, marking a decrease of 108.67.
For Net Profit Margin (%), as of Mar 24, the value is 38.06. This value exceeds the healthy maximum of 10. It has decreased from 119.95 (Mar 23) to 38.06, marking a decrease of 81.89.
For NP After MI And SOA Margin (%), as of Mar 24, the value is 51.49. This value exceeds the healthy maximum of 20. It has decreased from 497.91 (Mar 23) to 51.49, marking a decrease of 446.42.
For Return on Networth / Equity (%), as of Mar 24, the value is 4.45. This value is below the healthy minimum of 15. It has decreased from 30.59 (Mar 23) to 4.45, marking a decrease of 26.14.
For Return on Capital Employeed (%), as of Mar 24, the value is 6.19. This value is below the healthy minimum of 10. It has decreased from 11.59 (Mar 23) to 6.19, marking a decrease of 5.40.
For Return On Assets (%), as of Mar 24, the value is 4.33. This value is below the healthy minimum of 5. It has decreased from 23.17 (Mar 23) to 4.33, marking a decrease of 18.84.
For Total Debt / Equity (X), as of Mar 24, the value is 0.00. This value is within the healthy range. It has decreased from 0.30 (Mar 23) to 0.00, marking a decrease of 0.30.
For Asset Turnover Ratio (%), as of Mar 24, the value is 0.05. There is no change compared to the previous period (Mar 23) which recorded 0.05.
For Current Ratio (X), as of Mar 24, the value is 63.18. This value exceeds the healthy maximum of 3. It has increased from 4.16 (Mar 23) to 63.18, marking an increase of 59.02.
For Quick Ratio (X), as of Mar 24, the value is 63.18. This value exceeds the healthy maximum of 2. It has increased from 4.16 (Mar 23) to 63.18, marking an increase of 59.02.
For Interest Coverage Ratio (X), as of Mar 24, the value is 2.94. This value is below the healthy minimum of 3. It has decreased from 5.60 (Mar 23) to 2.94, marking a decrease of 2.66.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 2.54. This value is below the healthy minimum of 3. It has decreased from 4.52 (Mar 23) to 2.54, marking a decrease of 1.98.
For Enterprise Value (Cr.), as of Mar 24, the value is 8.53. It has decreased from 9.13 (Mar 23) to 8.53, marking a decrease of 0.60.
For EV / Net Operating Revenue (X), as of Mar 24, the value is 6.72. This value exceeds the healthy maximum of 3. It has increased from 6.50 (Mar 23) to 6.72, marking an increase of 0.22.
For EV / EBITDA (X), as of Mar 24, the value is 9.23. This value is within the healthy range. It has increased from 3.41 (Mar 23) to 9.23, marking an increase of 5.82.
For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 9.97. This value exceeds the healthy maximum of 3. It has increased from 5.41 (Mar 23) to 9.97, marking an increase of 4.56.
For Price / BV (X), as of Mar 24, the value is 0.86. This value is below the healthy minimum of 1. It has increased from 0.33 (Mar 23) to 0.86, marking an increase of 0.53.
For Price / Net Operating Revenue (X), as of Mar 24, the value is 9.97. This value exceeds the healthy maximum of 3. It has increased from 5.42 (Mar 23) to 9.97, marking an increase of 4.55.
For EarningsYield, as of Mar 24, the value is 0.05. This value is below the healthy minimum of 5. It has decreased from 0.91 (Mar 23) to 0.05, marking a decrease of 0.86.

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 Anjani Finance Ltd as of April 25, 2025 is: 8.17

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 April 25, 2025, Anjani Finance Ltd is Overvalued by 36.17% compared to the current share price 12.80

Intrinsic Value of Anjani Finance Ltd as of April 25, 2025 is: 7.91

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 April 25, 2025, Anjani Finance Ltd is Overvalued by 38.20% compared to the current share price 12.80

Last 5 Year EPS CAGR: -3.12%

*Investments are subject to market risks

Strength and Weakness

Strength	Weakness
The stock is trading at a low valuation with an average P/B ratio of 0.92 and average Dividend Yield of 90.97%. The company has higher reserves (8.67 cr) compared to borrowings (4.76 cr), indicating strong financial stability. The company has shown consistent growth in sales (1.00 cr) and profit (0.48 cr) over the years.	The stock has a low average ROCE of 3.06%, which may not be favorable. The stock has a high average Working Capital Days of 38.49, which may not be favorable. The stock has a high average Cash Conversion Cycle of 52.72, 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 Anjani Finance Ltd:
1. Net Profit Margin: 38.06%
  - 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: 6.19% (Industry Average ROCE: 19.41%)
  - 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%: 4.45% (Industry Average ROE: 10.31%)
  - 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): 2.54
  - 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: 63.18
  - 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: 19.9 (Industry average Stock P/E: 32.95)
  - 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

Anjani Finance Ltd. is a Public Limited Listed company incorporated on 20/04/1989 and has its registered office in the State of Madhya Pradesh, India. Company's Corporate Identification Number(CIN) is L65910MP1989PLC032799 and registration number is 032799. Currently company belongs to the Industry of Non-Banking Financial Company (NBFC). Company's Total Operating Revenue is Rs. 1.27 Cr. and Equity Capital is Rs. 10.14 Cr. for the Year ended 31/03/2024.

INDUSTRY	ADDRESS	CONTACT
Non-Banking Financial Company (NBFC)	The Agarwal Corporate House , Indore Madhya Pradesh 452016	anjanifin@rediffmail.com http://www.anjanifin.com

Management
Name	Position Held
Mr. Sanjay Kumar Agarwal	Managing Director
Mrs. Kalpana Jain	Woman Director
Mr. Ankur Agarwal	Independent Director
Mr. Sarthak Agrawal	Independent Director

FAQ

What is the intrinsic value of Anjani Finance Ltd?

Anjani Finance Ltd's intrinsic value (as of 25 April 2025) is ₹8.17 — 36.17% lower the current market price of 12.80, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 13.0 Cr. market cap, FY2025-2026 high/low of ₹15.9/10.0, reserves of 4.53 Cr, and liabilities of 15.07 Cr.

What is the Market Cap of Anjani Finance Ltd?

The Market Cap of Anjani Finance Ltd is 13.0 Cr..

What is the current Stock Price of Anjani Finance Ltd as on 25 April 2025?

The current stock price of Anjani Finance Ltd as on 25 April 2025 is 12.8.

What is the High / Low of Anjani Finance Ltd stocks in FY 2025-2026?

In FY 2025-2026, the High / Low of Anjani Finance Ltd stocks is ₹15.9/10.0.

What is the Stock P/E of Anjani Finance Ltd?

The Stock P/E of Anjani Finance Ltd is 19.9.

What is the Book Value of Anjani Finance Ltd?

The Book Value of Anjani Finance Ltd is 14.5.

What is the Dividend Yield of Anjani Finance Ltd?

The Dividend Yield of Anjani Finance Ltd is 0.00 %.

What is the ROCE of Anjani Finance Ltd?

The ROCE of Anjani Finance Ltd is 4.10 %.

What is the ROE of Anjani Finance Ltd?

The ROE of Anjani Finance Ltd is 3.47 %.

What is the Face Value of Anjani Finance Ltd?

The Face Value of Anjani Finance Ltd is 10.0.