Share Price and Basic Stock Data
Last Updated: February 16, 2026, 7:50 pm
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Anupam Finserv Ltd, operating in the Non-Banking Financial Company (NBFC) sector, reported a market capitalization of ₹45.0 Cr and a current share price of ₹2.37. The company’s revenue trends demonstrate a gradual improvement, with quarterly revenues increasing from ₹0.60 Cr in September 2022 to ₹0.75 Cr in September 2023, and further projected to reach ₹0.98 Cr by September 2024. This upward trajectory in revenue showcases the company’s resilience despite economic fluctuations. The interest income remained relatively stable, with a slight increase to ₹0.09 Cr in September 2023. However, the company has faced challenges with expenses, which peaked at ₹0.82 Cr in December 2024, impacting overall profitability. The financing profit has shown variability, recording ₹0.43 Cr in September 2023, but is projected to rise significantly to ₹1.27 Cr by September 2025. These figures indicate a recovering business environment, essential for sustaining growth in the competitive NBFC landscape.
Profitability and Efficiency Metrics
Anupam Finserv’s profitability metrics have shown fluctuations, with a net profit of ₹1.41 Cr, translating to a P/E ratio of 27.1, which is relatively high compared to sector norms. The company reported a net profit margin of 13.67% for the fiscal year ending March 2025, a decline from previous years, demonstrating the pressures of rising operational costs. The return on equity (ROE) stood at 3.68%, which is below the industry average, indicating potential inefficiencies in capital utilization. The interest coverage ratio (ICR) of 6.67x reflects the company’s ability to meet its interest obligations comfortably. However, the cash conversion cycle (CCC) of 2.97 days illustrates improved efficiency in managing working capital compared to previous years. The operating profit margin (OPM) is not available, which limits a comprehensive assessment of operational efficiency. Overall, while there are signs of profitability, the company must enhance its operational efficiency to align more closely with industry benchmarks.
Balance Sheet Strength and Financial Ratios
Anupam Finserv’s balance sheet reflects a cautious approach to financial management, with total liabilities reported at ₹31.96 Cr as of March 2025. The company maintains a low debt-to-equity ratio of 0.11, indicating a conservative leverage strategy. Reserves have seen a steady increase, standing at ₹10.72 Cr as of September 2025, which provides a cushion against unforeseen challenges. The current ratio of 8.87x suggests excellent liquidity, allowing the company to cover short-term obligations efficiently. However, the return on capital employed (ROCE) of 6.61% is lower than desirable, indicating that the company is not maximizing its capital effectively. The price-to-book value (P/BV) ratio of 1.02x also suggests that the stock is fairly valued compared to its book value, which may limit investment attractiveness. Overall, the balance sheet is robust, but there are areas requiring improvement to optimize capital efficiency.
Shareholding Pattern and Investor Confidence
The shareholding structure of Anupam Finserv indicates a strong promoter holding of 51.75% as of September 2025, which reflects confidence from the founding members in the company’s prospects. The public shareholding has decreased to 48.22%, suggesting a consolidation of ownership, which may positively influence stock stability. The presence of domestic institutional investors (DIIs) remains negligible at 0.01%, indicating limited institutional interest. However, the significant promoter stake could potentially attract further institutional investments if operational performance improves. The number of shareholders has also shown resilience, standing at 53,108, which reflects sustained retail interest. This strong promoter backing and relatively stable public interest may foster investor confidence, provided the company enhances its profitability and operational metrics in the coming quarters.
Outlook, Risks, and Final Insight
The outlook for Anupam Finserv appears cautiously optimistic, primarily driven by improving revenue trends and a solid balance sheet. However, several risks could impact future performance. The fluctuating profitability metrics, particularly the declining net profit margin and ROE, highlight challenges in operational efficiency and cost management. Additionally, the company’s dependence on interest income may pose risks in a rising interest rate environment. Conversely, strengths such as a robust promoter stake and a low debt profile provide a solid foundation for future growth. To capitalize on these strengths, Anupam Finserv must focus on enhancing operational efficiency and profitability. Investors should remain vigilant regarding the company’s ability to navigate economic challenges while leveraging its financial stability to achieve sustainable growth.
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 | 1.66/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 7.13 Cr. | 0.71 | 3.34/0.58 | 10.6 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 395 Cr. | 61.3 | 125/44.0 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 14.2 Cr. | 15.6 | 24.7/14.8 | 11.8 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 28.3 Cr. | 63.0 | 138/57.6 | 15.3 | 238 | 1.59 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,856.06 Cr | 391.31 | 101.83 | 514.20 | 0.23% | 15.81% | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 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 |
| 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 |
| 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 |
| Financing Profit | 0.32 | 0.40 | 0.40 | 0.31 | 0.43 | 0.62 | 0.41 | 0.39 | 0.45 | 0.17 | 0.12 | 0.54 | 1.27 |
| Financing Margin % | 53.33% | 68.97% | 57.97% | 40.79% | 57.33% | 69.66% | 52.56% | 42.39% | 45.92% | 16.35% | 13.64% | 46.55% | 71.35% |
| 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 |
| 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 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: February 3, 2026, 5:16 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 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 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 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 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: February 1, 2026, 2:20 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 |
| Borrowing | 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 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..
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: 15.81%)
- 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: 26.1 (Industry average Stock P/E: 101.83)
- 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 16 February 2026) is ₹1.65 which is 27.63% lower the current market price of ₹2.28, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹43.3 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 43.3 Cr..
What is the current Stock Price of Anupam Finserv Ltd as on 16 February 2026?
The current stock price of Anupam Finserv Ltd as on 16 February 2026 is ₹2.28.
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 26.1.
What is the Book Value of Anupam Finserv Ltd?
The Book Value of Anupam Finserv Ltd is 0.00.
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.