Share Price and Basic Stock Data
Last Updated: January 2, 2026, 9:06 pm
| PEG Ratio | 6.06 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Anupam Finserv Ltd operates as a Non-Banking Financial Company (NBFC), focusing on providing financial services to a diverse clientele. The company reported a revenue of ₹2.53 Cr for the fiscal year ending March 2023, representing a slight decline from ₹2.94 Cr in the previous fiscal year. However, revenue trends indicate a positive outlook, with projected sales growth to ₹3.69 Cr by March 2025 and ₹4.86 Cr on a trailing twelve-month basis. Quarterly sales figures also show a steady increase, peaking at ₹0.98 Cr in September 2024. This upward trajectory in revenue is supported by a robust operating profit margin (OPM) of 73.60%, highlighting the company’s efficiency in managing its operational costs relative to its revenue. The cash conversion cycle stood at a commendable 2.97 days, indicating effective management of receivables and payables. Such operational efficiency positions Anupam Finserv favorably against industry competitors, reflecting a strategic advantage in the highly competitive NBFC sector.
Profitability and Efficiency Metrics
Anupam Finserv’s profitability metrics reveal a mixed performance, with a net profit of ₹1.41 Cr for the fiscal year ending March 2025, down from ₹1.32 Cr in March 2022. The net profit margin for March 2025 was reported at 13.67%, a decline from 29.52% in March 2024. This decline raises concerns about the company’s ability to maintain profitability amid fluctuating expenses, which increased to ₹1.60 Cr in March 2025 from ₹1.05 Cr in the previous year. The return on equity (ROE) stood at 3.68%, and the return on capital employed (ROCE) was recorded at 6.61%, both of which are relatively low compared to industry standards. The interest coverage ratio of 6.67x suggests that the company comfortably meets its interest obligations, but the declining profitability metrics necessitate close monitoring. Overall, while the company demonstrates strong operational efficiency, it faces challenges in sustaining profitability against rising costs.
Balance Sheet Strength and Financial Ratios
<p Anupam Finserv’s balance sheet reflects a stable financial position, with total assets amounting to ₹31.96 Cr as of March 2025. The company maintains a low debt level, with borrowings reported at just ₹0.04 Cr, resulting in a debt-to-equity ratio of 0.11x, indicating minimal financial leverage. This conservative capital structure enhances financial stability and reduces risk exposure. The company’s reserves have grown significantly, standing at ₹10.72 Cr as of September 2025, up from ₹4.00 Cr in March 2024, providing a buffer against potential financial downturns. The current ratio reported at 8.87x indicates strong liquidity, suggesting that Anupam Finserv is well-positioned to meet its short-term obligations. However, the price-to-book value ratio of 1.02x indicates that the stock is trading at a premium relative to its book value, which could be a concern for potential investors seeking value investments.Shareholding Pattern and Investor Confidence
The shareholding pattern of Anupam Finserv indicates a significant commitment from promoters, who hold 51.75% of the company’s shares as of September 2025. This strong promoter holding reflects confidence in the company’s long-term prospects. Institutional participation, however, remains minimal, with Foreign Institutional Investors (FIIs) reported as not applicable and Domestic Institutional Investors (DIIs) holding only 0.01%. The public shareholding accounts for 48.22%, down from 70.67% in December 2022, signaling a shift in ownership dynamics that may affect liquidity. The number of shareholders stands at 53,108, which suggests a broad base of retail investors. The declining public shareholding percentage could raise concerns about dilution of investor interest, especially if institutional participation does not increase. Overall, while promoter confidence is strong, the lack of institutional backing could impact the company’s stock performance in the long run.
Outlook, Risks, and Final Insight
Looking ahead, Anupam Finserv faces both opportunities and challenges. The projected growth in revenue to ₹3.69 Cr by March 2025 and ₹4.86 Cr on a trailing twelve-month basis suggests a positive outlook, buoyed by operational efficiency. However, the company must address declining profitability metrics and rising operational costs to sustain growth. Key risks include potential increases in interest rates that could impact borrowing costs, as well as the need for greater institutional investor engagement to enhance market perception. Additionally, the high dependency on promoter holdings may pose a risk if market sentiment shifts. In scenarios where the company successfully manages its cost structures and enhances profitability, it could emerge as a strong player in the NBFC sector. Conversely, failure to address these challenges might lead to investor discontent and a decline in market confidence.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 13.3 Cr. | 1.33 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 7.33 Cr. | 0.73 | 8.32/0.71 | 21.6 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 450 Cr. | 61.8 | 125/55.4 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.6 Cr. | 17.0 | 30.7/15.0 | 11.6 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 32.7 Cr. | 72.6 | 154/70.0 | 17.5 | 238 | 1.38 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,957.28 Cr | 447.40 | 51.36 | 522.43 | 0.22% | 15.80% | 8.84% | 8.50 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 0.60 | 0.58 | 0.69 | 0.76 | 0.75 | 0.89 | 0.78 | 0.92 | 0.98 | 1.04 | 0.88 | 1.16 | 1.78 |
| Expenses | 0.19 | 0.10 | 0.21 | 0.37 | 0.23 | 0.18 | 0.32 | 0.46 | 0.46 | 0.82 | 0.74 | 0.57 | 0.47 |
| Operating Profit | 0.41 | 0.48 | 0.48 | 0.39 | 0.52 | 0.71 | 0.46 | 0.46 | 0.52 | 0.22 | 0.14 | 0.59 | 1.31 |
| OPM % | 68.33% | 82.76% | 69.57% | 51.32% | 69.33% | 79.78% | 58.97% | 50.00% | 53.06% | 21.15% | 15.91% | 50.86% | 73.60% |
| Other Income | 0.00 | -0.15 | 0.00 | 0.03 | -0.03 | 0.00 | 0.00 | 0.00 | 0.00 | 0.04 | 0.00 | 0.00 | 0.00 |
| Interest | 0.09 | 0.08 | 0.08 | 0.08 | 0.09 | 0.09 | 0.05 | 0.07 | 0.07 | 0.05 | 0.02 | 0.05 | 0.04 |
| Depreciation | 0.14 | 0.06 | 0.11 | 0.13 | 0.14 | 0.12 | 0.11 | 0.12 | 0.13 | 0.15 | 0.09 | 0.08 | 0.08 |
| Profit before tax | 0.18 | 0.19 | 0.29 | 0.21 | 0.26 | 0.50 | 0.30 | 0.27 | 0.32 | 0.06 | 0.03 | 0.46 | 1.19 |
| Tax % | 27.78% | 21.05% | 37.93% | 33.33% | 23.08% | 18.00% | 30.00% | 25.93% | 59.38% | -150.00% | 0.00% | 26.09% | 24.37% |
| Net Profit | 0.13 | 0.15 | 0.17 | 0.15 | 0.20 | 0.42 | 0.21 | 0.20 | 0.13 | 0.15 | 0.02 | 0.34 | 0.90 |
| EPS in Rs | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.02 | 0.05 |
Last Updated: December 28, 2025, 3:32 am
Below is a detailed analysis of the quarterly data for Anupam Finserv Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Sales, as of Sep 2025, the value is 1.78 Cr.. The value appears strong and on an upward trend. It has increased from 1.16 Cr. (Jun 2025) to 1.78 Cr., marking an increase of 0.62 Cr..
- For Expenses, as of Sep 2025, the value is 0.47 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.57 Cr. (Jun 2025) to 0.47 Cr., marking a decrease of 0.10 Cr..
- For Operating Profit, as of Sep 2025, the value is 1.31 Cr.. The value appears strong and on an upward trend. It has increased from 0.59 Cr. (Jun 2025) to 1.31 Cr., marking an increase of 0.72 Cr..
- For OPM %, as of Sep 2025, the value is 73.60%. The value appears strong and on an upward trend. It has increased from 50.86% (Jun 2025) to 73.60%, marking an increase of 22.74%.
- For Other Income, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Interest, as of Sep 2025, the value is 0.04 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.05 Cr. (Jun 2025) to 0.04 Cr., marking a decrease of 0.01 Cr..
- For Depreciation, as of Sep 2025, the value is 0.08 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.08 Cr..
- For Profit before tax, as of Sep 2025, the value is 1.19 Cr.. The value appears strong and on an upward trend. It has increased from 0.46 Cr. (Jun 2025) to 1.19 Cr., marking an increase of 0.73 Cr..
- For Tax %, as of Sep 2025, the value is 24.37%. The value appears to be improving (decreasing) as expected. It has decreased from 26.09% (Jun 2025) to 24.37%, marking a decrease of 1.72%.
- For Net Profit, as of Sep 2025, the value is 0.90 Cr.. The value appears strong and on an upward trend. It has increased from 0.34 Cr. (Jun 2025) to 0.90 Cr., marking an increase of 0.56 Cr..
- For EPS in Rs, as of Sep 2025, the value is 0.05. The value appears strong and on an upward trend. It has increased from 0.02 (Jun 2025) to 0.05, marking an increase of 0.03.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:13 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 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 2.53 | 0.58 | 0.50 | 0.51 | 2.44 | 2.32 | 2.19 | 2.85 | 2.94 | 2.53 | 3.13 | 3.69 | 4.86 |
| Expenses | 2.42 | 0.77 | 0.38 | 0.23 | 1.33 | 0.45 | 0.59 | 0.38 | 0.43 | 0.52 | 1.05 | 1.60 | 2.60 |
| Operating Profit | 0.11 | -0.19 | 0.12 | 0.28 | 1.11 | 1.87 | 1.60 | 2.47 | 2.51 | 2.01 | 2.08 | 2.09 | 2.26 |
| OPM % | 4.35% | -32.76% | 24.00% | 54.90% | 45.49% | 80.60% | 73.06% | 86.67% | 85.37% | 79.45% | 66.45% | 56.64% | 46.50% |
| Other Income | 0.06 | 0.00 | 0.01 | 0.00 | 0.06 | 0.00 | 0.00 | 0.03 | 0.01 | -0.27 | -0.04 | -0.71 | 0.04 |
| Interest | 0.00 | 0.00 | 0.02 | 0.09 | 0.65 | 0.92 | 0.85 | 0.79 | 0.70 | 0.31 | 0.30 | 0.21 | 0.16 |
| Depreciation | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.13 | 0.40 | 0.49 | 0.49 | 0.40 |
| Profit before tax | 0.16 | -0.19 | 0.11 | 0.19 | 0.52 | 0.95 | 0.75 | 1.71 | 1.69 | 1.03 | 1.25 | 0.68 | 1.74 |
| Tax % | 31.25% | 31.58% | 36.36% | 21.05% | 11.54% | 31.58% | 14.67% | 25.15% | 22.49% | 25.24% | 24.80% | 25.00% | |
| Net Profit | 0.12 | -0.25 | 0.07 | 0.15 | 0.45 | 0.64 | 0.64 | 1.27 | 1.32 | 0.77 | 0.94 | 0.51 | 1.41 |
| EPS in Rs | 0.01 | -0.02 | 0.01 | 0.01 | 0.02 | 0.03 | 0.03 | 0.05 | 0.06 | 0.03 | 0.04 | 0.03 | 0.08 |
| 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% |
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 (%) | -308.33% | 128.00% | 114.29% | 200.00% | 42.22% | 0.00% | 98.44% | 3.94% | -41.67% | 22.08% | -45.74% |
| Change in YoY Net Profit Growth (%) | 0.00% | 436.33% | -13.71% | 85.71% | -157.78% | -42.22% | 98.44% | -94.50% | -45.60% | 63.74% | -67.82% |
Anupam Finserv 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: | 20% |
| 5 Years: | 11% |
| 3 Years: | 8% |
| TTM: | 22% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 18% |
| 5 Years: | 5% |
| 3 Years: | -15% |
| TTM: | -39% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 10% |
| 5 Years: | 22% |
| 3 Years: | 5% |
| 1 Year: | 1% |
| Return on Equity | |
|---|---|
| 10 Years: | 6% |
| 5 Years: | 7% |
| 3 Years: | 5% |
| Last Year: | 4% |
Last Updated: September 5, 2025, 2:21 pm
Balance Sheet
Last Updated: December 4, 2025, 2:22 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 | 5.51 | 5.51 | 5.51 | 5.51 | 10.51 | 10.51 | 10.51 | 10.51 | 11.56 | 11.56 | 11.56 | 18.98 | 18.98 |
| Reserves | 2.43 | -1.17 | -1.10 | -0.95 | -0.54 | 0.12 | 0.76 | 2.03 | 2.29 | 3.07 | 4.00 | 9.48 | 10.72 |
| Borrowings | 0.19 | 0.00 | 0.40 | 3.40 | 8.07 | 7.91 | 6.57 | 6.47 | 3.09 | 3.95 | 2.36 | 3.25 | 0.04 |
| Other Liabilities | 0.87 | 0.13 | 0.29 | 0.25 | 0.34 | 0.22 | 0.36 | 0.40 | 0.22 | 0.12 | 0.27 | 0.25 | 0.23 |
| Total Liabilities | 9.00 | 4.47 | 5.10 | 8.21 | 18.38 | 18.76 | 18.20 | 19.41 | 17.16 | 18.70 | 18.19 | 31.96 | 29.97 |
| Fixed Assets | 0.11 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.00 | 1.45 | 2.40 | 2.24 | 1.70 | 1.13 |
| 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 | 0.37 | 0.00 | 0.00 | 0.25 | 3.71 | 0.89 | 0.99 | 1.08 | 0.88 | 0.63 | 0.68 | 0.60 | 0.96 |
| Other Assets | 8.52 | 4.47 | 5.10 | 7.96 | 14.66 | 17.86 | 17.20 | 18.33 | 14.83 | 15.67 | 15.27 | 29.66 | 27.88 |
| Total Assets | 9.00 | 4.47 | 5.10 | 8.21 | 18.38 | 18.76 | 18.20 | 19.41 | 17.16 | 18.70 | 18.19 | 31.96 | 29.97 |
Below is a detailed analysis of the balance sheet data for Anupam Finserv Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 18.98 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 18.98 Cr..
- For Reserves, as of Sep 2025, the value is 10.72 Cr.. The value appears strong and on an upward trend. It has increased from 9.48 Cr. (Mar 2025) to 10.72 Cr., marking an increase of 1.24 Cr..
- For Borrowings, as of Sep 2025, the value is 0.04 Cr.. The value appears to be improving (decreasing). Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has decreased from 3.25 Cr. (Mar 2025) to 0.04 Cr., marking a decrease of 3.21 Cr..
- For Other Liabilities, as of Sep 2025, the value is 0.23 Cr.. The value appears to be improving (decreasing). It has decreased from 0.25 Cr. (Mar 2025) to 0.23 Cr., marking a decrease of 0.02 Cr..
- For Total Liabilities, as of Sep 2025, the value is 29.97 Cr.. The value appears to be improving (decreasing). It has decreased from 31.96 Cr. (Mar 2025) to 29.97 Cr., marking a decrease of 1.99 Cr..
- For Fixed Assets, as of Sep 2025, the value is 1.13 Cr.. The value appears to be declining and may need further review. It has decreased from 1.70 Cr. (Mar 2025) to 1.13 Cr., marking a decrease of 0.57 Cr..
- For CWIP, as of Sep 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 Investments, as of Sep 2025, the value is 0.96 Cr.. The value appears strong and on an upward trend. It has increased from 0.60 Cr. (Mar 2025) to 0.96 Cr., marking an increase of 0.36 Cr..
- For Other Assets, as of Sep 2025, the value is 27.88 Cr.. The value appears to be declining and may need further review. It has decreased from 29.66 Cr. (Mar 2025) to 27.88 Cr., marking a decrease of 1.78 Cr..
- For Total Assets, as of Sep 2025, the value is 29.97 Cr.. The value appears to be declining and may need further review. It has decreased from 31.96 Cr. (Mar 2025) to 29.97 Cr., marking a decrease of 1.99 Cr..
Notably, the Reserves (10.72 Cr.) exceed the Borrowings (0.04 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.
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
| 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 | -0.08 | -0.19 | -0.28 | -3.12 | -6.96 | -6.04 | -4.97 | -4.00 | -0.58 | -1.94 | -0.28 | -1.16 |
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.
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 | 1.44 | 0.00 | 65.70 | 0.00 | 4.49 | 0.00 | 0.00 | 0.00 | 8.69 | 12.98 | 9.33 | 2.97 |
| Inventory Days | 9.26 | 398.18 | 121.67 | 38.24 | ||||||||
| Days Payable | 111.17 | 99.55 | 405.56 | 10.43 | ||||||||
| Cash Conversion Cycle | -100.46 | 298.64 | -218.19 | 0.00 | 32.30 | 0.00 | 0.00 | 0.00 | 8.69 | 12.98 | 9.33 | 2.97 |
| Working Capital Days | -122.63 | 12.59 | 102.20 | 3,041.67 | 722.52 | -1,263.34 | -1,076.67 | -8.96 | 53.38 | 33.18 | -16.33 | -11.87 |
| ROCE % | 1.19% | -3.05% | 2.84% | 4.39% | 9.00% | 10.22% | 8.80% | 13.57% | 13.35% | 9.07% | 8.88% | 6.61% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 1.00 | 1.00 | 1.00 | 1.00 | 10.00 |
| Basic EPS (Rs.) | 0.04 | 0.08 | 0.07 | 0.11 | 1.20 |
| Diluted EPS (Rs.) | 0.04 | 0.08 | 0.07 | 0.11 | 1.20 |
| Cash EPS (Rs.) | 0.05 | 0.12 | 0.10 | 0.12 | 1.21 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 1.50 | 1.35 | 1.27 | 1.20 | 11.93 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 1.50 | 1.35 | 1.27 | 1.20 | 11.93 |
| Revenue From Operations / Share (Rs.) | 0.19 | 0.27 | 0.21 | 0.25 | 2.71 |
| PBDIT / Share (Rs.) | 0.07 | 0.17 | 0.14 | 0.21 | 2.38 |
| PBIT / Share (Rs.) | 0.04 | 0.13 | 0.11 | 0.20 | 2.38 |
| PBT / Share (Rs.) | 0.03 | 0.10 | 0.08 | 0.14 | 1.62 |
| Net Profit / Share (Rs.) | 0.02 | 0.08 | 0.06 | 0.11 | 1.20 |
| PBDIT Margin (%) | 37.18 | 64.18 | 68.49 | 85.71 | 87.71 |
| PBIT Margin (%) | 23.87 | 48.75 | 52.77 | 81.39 | 87.58 |
| PBT Margin (%) | 18.29 | 39.23 | 40.64 | 57.57 | 59.74 |
| Net Profit Margin (%) | 13.67 | 29.52 | 30.56 | 44.85 | 44.42 |
| Return on Networth / Equity (%) | 1.78 | 6.02 | 5.28 | 9.50 | 10.10 |
| Return on Capital Employeed (%) | 3.09 | 9.89 | 9.11 | 17.18 | 19.80 |
| Return On Assets (%) | 1.58 | 5.15 | 4.13 | 7.67 | 6.52 |
| Total Debt / Equity (X) | 0.11 | 0.15 | 0.27 | 0.22 | 0.51 |
| Asset Turnover Ratio (%) | 0.14 | 0.17 | 0.14 | 0.16 | 0.15 |
| Current Ratio (X) | 8.87 | 6.22 | 4.00 | 4.75 | 2.84 |
| Quick Ratio (X) | 8.87 | 6.22 | 4.00 | 4.75 | 2.84 |
| Interest Coverage Ratio (X) | 6.67 | 6.75 | 5.65 | 3.60 | 3.15 |
| Interest Coverage Ratio (Post Tax) (X) | 3.45 | 4.10 | 3.52 | 2.88 | 2.60 |
| Enterprise Value (Cr.) | 31.52 | 25.05 | 20.55 | 36.04 | 14.33 |
| EV / Net Operating Revenue (X) | 8.50 | 7.89 | 8.12 | 12.27 | 5.03 |
| EV / EBITDA (X) | 22.87 | 12.29 | 11.86 | 14.31 | 5.73 |
| MarketCap / Net Operating Revenue (X) | 7.83 | 7.32 | 6.72 | 11.38 | 3.15 |
| Price / BV (X) | 1.02 | 1.49 | 1.16 | 2.41 | 0.71 |
| Price / Net Operating Revenue (X) | 7.83 | 7.32 | 6.72 | 11.38 | 3.15 |
| EarningsYield | 0.01 | 0.04 | 0.04 | 0.03 | 0.14 |
After reviewing the key financial ratios for Anupam Finserv Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 1.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 1.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 0.04. This value is below the healthy minimum of 5. It has decreased from 0.08 (Mar 24) to 0.04, marking a decrease of 0.04.
- For Diluted EPS (Rs.), as of Mar 25, the value is 0.04. This value is below the healthy minimum of 5. It has decreased from 0.08 (Mar 24) to 0.04, marking a decrease of 0.04.
- For Cash EPS (Rs.), as of Mar 25, the value is 0.05. This value is below the healthy minimum of 3. It has decreased from 0.12 (Mar 24) to 0.05, marking a decrease of 0.07.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 1.50. It has increased from 1.35 (Mar 24) to 1.50, marking an increase of 0.15.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 1.50. It has increased from 1.35 (Mar 24) to 1.50, marking an increase of 0.15.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 0.19. It has decreased from 0.27 (Mar 24) to 0.19, marking a decrease of 0.08.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 0.07. This value is below the healthy minimum of 2. It has decreased from 0.17 (Mar 24) to 0.07, marking a decrease of 0.10.
- For PBIT / Share (Rs.), as of Mar 25, the value is 0.04. This value is within the healthy range. It has decreased from 0.13 (Mar 24) to 0.04, marking a decrease of 0.09.
- For PBT / Share (Rs.), as of Mar 25, the value is 0.03. This value is within the healthy range. It has decreased from 0.10 (Mar 24) to 0.03, marking a decrease of 0.07.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 0.02. This value is below the healthy minimum of 2. It has decreased from 0.08 (Mar 24) to 0.02, marking a decrease of 0.06.
- For PBDIT Margin (%), as of Mar 25, the value is 37.18. This value is within the healthy range. It has decreased from 64.18 (Mar 24) to 37.18, marking a decrease of 27.00.
- For PBIT Margin (%), as of Mar 25, the value is 23.87. This value exceeds the healthy maximum of 20. It has decreased from 48.75 (Mar 24) to 23.87, marking a decrease of 24.88.
- For PBT Margin (%), as of Mar 25, the value is 18.29. This value is within the healthy range. It has decreased from 39.23 (Mar 24) to 18.29, marking a decrease of 20.94.
- For Net Profit Margin (%), as of Mar 25, the value is 13.67. This value exceeds the healthy maximum of 10. It has decreased from 29.52 (Mar 24) to 13.67, marking a decrease of 15.85.
- For Return on Networth / Equity (%), as of Mar 25, the value is 1.78. This value is below the healthy minimum of 15. It has decreased from 6.02 (Mar 24) to 1.78, marking a decrease of 4.24.
- For Return on Capital Employeed (%), as of Mar 25, the value is 3.09. This value is below the healthy minimum of 10. It has decreased from 9.89 (Mar 24) to 3.09, marking a decrease of 6.80.
- For Return On Assets (%), as of Mar 25, the value is 1.58. This value is below the healthy minimum of 5. It has decreased from 5.15 (Mar 24) to 1.58, marking a decrease of 3.57.
- For Total Debt / Equity (X), as of Mar 25, the value is 0.11. This value is within the healthy range. It has decreased from 0.15 (Mar 24) to 0.11, marking a decrease of 0.04.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.14. It has decreased from 0.17 (Mar 24) to 0.14, marking a decrease of 0.03.
- For Current Ratio (X), as of Mar 25, the value is 8.87. This value exceeds the healthy maximum of 3. It has increased from 6.22 (Mar 24) to 8.87, marking an increase of 2.65.
- For Quick Ratio (X), as of Mar 25, the value is 8.87. This value exceeds the healthy maximum of 2. It has increased from 6.22 (Mar 24) to 8.87, marking an increase of 2.65.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 6.67. This value is within the healthy range. It has decreased from 6.75 (Mar 24) to 6.67, marking a decrease of 0.08.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 3.45. This value is within the healthy range. It has decreased from 4.10 (Mar 24) to 3.45, marking a decrease of 0.65.
- For Enterprise Value (Cr.), as of Mar 25, the value is 31.52. It has increased from 25.05 (Mar 24) to 31.52, marking an increase of 6.47.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 8.50. This value exceeds the healthy maximum of 3. It has increased from 7.89 (Mar 24) to 8.50, marking an increase of 0.61.
- For EV / EBITDA (X), as of Mar 25, the value is 22.87. This value exceeds the healthy maximum of 15. It has increased from 12.29 (Mar 24) to 22.87, marking an increase of 10.58.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 7.83. This value exceeds the healthy maximum of 3. It has increased from 7.32 (Mar 24) to 7.83, marking an increase of 0.51.
- For Price / BV (X), as of Mar 25, the value is 1.02. This value is within the healthy range. It has decreased from 1.49 (Mar 24) to 1.02, marking a decrease of 0.47.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 7.83. This value exceeds the healthy maximum of 3. It has increased from 7.32 (Mar 24) to 7.83, marking an increase of 0.51.
- For EarningsYield, as of Mar 25, the value is 0.01. This value is below the healthy minimum of 5. It has decreased from 0.04 (Mar 24) to 0.01, marking a decrease of 0.03.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
|
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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 Anupam Finserv Ltd:
- Net Profit Margin: 13.67%
- 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.
- ROCE: 3.09% (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.
- ROE%: 1.78% (Industry Average ROE: 8.84%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 3.45
- 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.
- Quick Ratio: 8.87
- 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.
- Stock P/E: 35.9 (Industry average Stock P/E: 51.36)
- 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.
- Total Debt / Equity: 0.11
- 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.
Stock Rating: - Net Profit Margin: 13.67%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | 502, Corporate Arena, Mumbai Maharashtra 400104 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Pravin Gala | Chairman & Wholetime Director |
| Mrs. Nirmala Gala | Managing Director |
| Mr. Siddharth Gala | Executive Director & CEO |
| Mr. Dhirubhai Desai | Independent Director |
| Mr. Rajendra Shah | Independent Director |
| Mr. Mitesh Chheda | Independent Director |
FAQ
What is the intrinsic value of Anupam Finserv Ltd?
Anupam Finserv Ltd's intrinsic value (as of 04 January 2026) is ₹1.69 which is 36.70% lower the current market price of ₹2.67, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹50.7 Cr. market cap, FY2025-2026 high/low of ₹3.40/1.25, reserves of ₹10.72 Cr, and liabilities of ₹29.97 Cr.
What is the Market Cap of Anupam Finserv Ltd?
The Market Cap of Anupam Finserv Ltd is 50.7 Cr..
What is the current Stock Price of Anupam Finserv Ltd as on 04 January 2026?
The current stock price of Anupam Finserv Ltd as on 04 January 2026 is ₹2.67.
What is the High / Low of Anupam Finserv Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Anupam Finserv Ltd stocks is ₹3.40/1.25.
What is the Stock P/E of Anupam Finserv Ltd?
The Stock P/E of Anupam Finserv Ltd is 35.9.
What is the Book Value of Anupam Finserv Ltd?
The Book Value of Anupam Finserv Ltd is 1.57.
What is the Dividend Yield of Anupam Finserv Ltd?
The Dividend Yield of Anupam Finserv Ltd is 0.00 %.
What is the ROCE of Anupam Finserv Ltd?
The ROCE of Anupam Finserv Ltd is 6.61 %.
What is the ROE of Anupam Finserv Ltd?
The ROE of Anupam Finserv Ltd is 3.68 %.
What is the Face Value of Anupam Finserv Ltd?
The Face Value of Anupam Finserv Ltd is 1.00.