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Last Updated: April 2, 2026, 4:06 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 539545 | NSE: APOORVA

Apoorva Leasing Finance & Investment Co Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹2.13Overvalued by 94.00%vs CMP ₹35.50

P/E (15.0) × ROE (0.2%) × BV (₹72.60) × DY (2.00%)

Defaults: P/E=15

₹11.50Overvalued by 67.61%vs CMP ₹35.50
MoS: -208.7% (Negative)Confidence: 63/100 (Moderate)Models: 1 Under, 8 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹1.5819%Over (-95.5%)
Graham NumberEarnings₹16.6617%Over (-53.1%)
Earnings PowerEarnings₹7.0411%Over (-80.2%)
DCFCash Flow₹1.6814%Over (-95.3%)
Net Asset ValueAssets₹72.668%Under (+104.7%)
EV/EBITDAEnterprise₹2.2810%Over (-93.6%)
Earnings YieldEarnings₹1.708%Over (-95.2%)
ROCE CapitalReturns₹17.928%Over (-49.5%)
Revenue MultipleRevenue₹0.946%Over (-97.4%)
Consensus (9 models)₹11.50100%Overvalued
Key Drivers: EPS CAGR -25.7% drags value — could be higher if earnings stabilize. | ROE 0.2% is below cost of equity.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: -25.7% · Defaults: P/E=15

*Investments are subject to market risks

Investment Snapshot

42
Apoorva Leasing Finance & Investment Co Ltd scores 42/100 (Weak)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health58/100 · Moderate
ROCE 0.3% WeakROE 0.2% WeakD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money50/100 · Moderate
Promoter holding at 52.7% Stable
Earnings Quality40/100 · Moderate
OPM stable around 56% SteadyWorking capital: 4,917 days Capital intensive
Quarterly Momentum35/100 · Weak
Revenue (4Q): -88% YoY DecliningProfit (4Q): -126% YoY DecliningOPM: 66.7% (up 50.9% YoY) Margin expansion
Industry Rank20/100 · Weak
ROCE 0.3% vs industry 21.7% Below peersROE 0.2% vs industry 14.2% Below peers3Y sales CAGR: -50% Shrinking

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 4:06 am

Market Cap 70.9 Cr.
Current Price 35.5
Intrinsic Value₹11.50
High / Low 43.6/27.9
Stock P/E
Book Value 72.6
Dividend Yield0.00 %
ROCE0.32 %
ROE0.24 %
Face Value 10.0
PEG Ratio0.00

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

View Share Price Target for Apoorva Leasing Finance & Investment Co Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Modern Shares & Stockbrokers Ltd 8.02 Cr. 27.4 53.0/24.738.2 44.40.00 %3.32 %1.74 % 10.0
Monarch Networth Capital Ltd 2,109 Cr. 266 399/23513.2 1110.38 %33.3 %26.2 % 10.0
Monotype India Ltd 28.1 Cr. 0.40 0.84/0.374.49 0.030.00 %286 %% 1.00
Multipurpose Trading & Agencies Ltd 3.98 Cr. 8.05 11.5/7.58 9.250.00 %3.68 %3.38 % 10.0
Munoth Financial Services Ltd 9.17 Cr. 17.8 69.9/17.8 19.90.00 %2.41 %3.38 % 10.0
Industry Average6,725.79 Cr1,029.6498.514,364.490.43%21.71%14.20%7.23

All Competitor Stocks of Apoorva Leasing Finance & Investment Co Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Sales 0.920.910.940.971.020.750.670.670.19-0.350.200.220.21
Expenses 0.280.310.280.180.190.440.270.170.160.140.170.150.07
Operating Profit 0.640.600.660.790.830.310.400.500.03-0.490.030.070.14
OPM % 69.57%65.93%70.21%81.44%81.37%41.33%59.70%74.63%15.79%15.00%31.82%66.67%
Other Income 0.000.010.000.330.36-0.640.000.010.010.060.000.010.10
Interest 0.020.000.000.000.000.000.000.000.000.000.000.000.00
Depreciation 0.000.080.000.000.000.060.000.000.000.060.000.000.00
Profit before tax 0.620.530.661.121.19-0.390.400.510.04-0.490.030.080.24
Tax % 25.81%33.96%25.76%25.00%25.21%-25.64%25.00%25.49%25.00%-24.49%33.33%25.00%25.00%
Net Profit 0.470.350.490.840.89-0.280.300.380.03-0.370.020.060.18
EPS in Rs 0.240.180.250.420.45-0.140.150.190.02-0.190.010.030.09

Last Updated: March 3, 2026, 12:21 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 26, 2026, 8:46 pm

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Sales 4.560.358.365.649.3020.4221.835.5310.055.073.701.250.28
Expenses 4.590.237.894.825.4513.8417.251.403.962.261.090.740.53
Operating Profit -0.030.120.470.823.856.584.584.136.092.812.610.51-0.25
OPM % -0.66%34.29%5.62%14.54%41.40%32.22%20.98%74.68%60.60%55.42%70.54%40.80%-89.29%
Other Income 0.090.000.010.000.000.000.060.302.260.000.040.010.17
Interest 0.000.010.030.000.000.020.050.000.010.020.000.000.00
Depreciation 0.010.000.000.000.010.010.040.150.120.080.060.060.06
Profit before tax 0.050.110.450.823.846.554.554.288.222.712.590.46-0.14
Tax % 20.00%18.18%26.67%29.27%27.60%27.94%26.37%22.20%18.37%26.94%25.10%26.09%
Net Profit 0.040.080.330.582.784.723.353.336.711.981.950.34-0.11
EPS in Rs 0.020.040.170.291.392.361.681.673.360.990.980.17-0.06
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

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)100.00%312.50%75.76%379.31%69.78%-29.03%-0.60%101.50%-70.49%-1.52%-82.56%
Change in YoY Net Profit Growth (%)0.00%212.50%-236.74%303.55%-309.53%-98.81%28.43%102.10%-171.99%68.98%-81.05%

Apoorva Leasing Finance & Investment Co 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:13%
5 Years:-44%
3 Years:-51%
TTM:-79%
Compounded Profit Growth
10 Years:16%
5 Years:-36%
3 Years:-58%
TTM:-96%
Stock Price CAGR
10 Years:%
5 Years:24%
3 Years:-6%
1 Year:-8%
Return on Equity
10 Years:2%
5 Years:2%
3 Years:1%
Last Year:0%

Last Updated: September 5, 2025, 2:21 pm

Balance Sheet

Last Updated: March 3, 2026, 12:29 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 19.9719.9719.9719.9719.9719.9719.9719.9719.9719.9719.9719.9719.97
Reserves 99.8297.9198.2398.81102.24106.72110.44115.95120.65122.75124.94124.98125.14
Borrowings 0.000.000.050.000.000.000.000.000.000.900.000.000.00
Other Liabilities 0.060.150.170.398.092.111.632.272.781.251.210.330.95
Total Liabilities 119.85118.03118.42119.17130.30128.80132.04138.19143.40144.87146.12145.28146.06
Fixed Assets 0.000.000.003.876.466.456.936.6937.7048.9670.16100.06100.30
CWIP 0.000.000.000.000.000.000.000.000.000.000.000.000.00
Investments 86.0516.2626.882.3346.2246.7047.9138.9121.0620.8815.7515.7815.90
Other Assets 33.80101.7791.54112.9777.6275.6577.2092.5984.6475.0360.2129.4429.86
Total Assets 119.85118.03118.42119.17130.30128.80132.04138.19143.40144.87146.12145.28146.06

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -2.090.031.11-59.2246.371.995.135.0030.305.7420.6112.64
Cash from Investing Activity + 0.3067.88-10.6124.46-46.68-1.38-2.298.13-30.25-9.85-33.13-12.95
Cash from Financing Activity + 1.52-22.73-0.10-0.050.00-0.01-0.050.00-0.010.88-0.900.05
Net Cash Flow -0.2745.18-9.60-34.81-0.310.602.7913.120.04-3.24-13.42-0.25
Free Cash Flow -2.09-0.061.11-59.2246.351.994.605.0030.245.7420.6112.47
CFO/OP 6,933%33%304%-7,230%1,232%58%136%146%522%232%817%2,498%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-0.030.120.420.823.856.584.584.136.091.912.610.51

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

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days 0.8010.431.75306.119.4222.1617.3954.120.360.000.000.00
Inventory Days 168.770.001,156.5585.710.00160.880.00
Days Payable 0.0018.361.755.19
Cash Conversion Cycle 169.5710.431.75306.111,147.61106.1317.3954.12156.050.000.000.00
Working Capital Days 2,593.4258,619.002,423.587,221.052,693.941,288.051,191.814,811.001,866.403,444.822,906.194,917.28
ROCE %-0.03%0.10%0.41%0.69%3.19%5.28%3.58%3.06%4.33%1.92%1.80%0.32%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 52.66%52.66%52.66%52.66%52.66%52.66%52.66%52.66%52.66%52.66%52.66%52.66%
Public 47.34%47.34%47.34%47.35%47.34%47.34%47.33%47.34%47.34%47.35%47.34%47.34%
No. of Shareholders 1,1471,1571,2081,2641,2701,2911,3091,6531,6211,6001,6181,602

Shareholding Pattern Chart

No. of Shareholders

Apoorva Leasing Finance & Investment Co 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

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 0.211.041.033.371.72
Diluted EPS (Rs.) 0.211.041.033.371.72
Cash EPS (Rs.) 0.201.011.033.421.78
Book Value[Excl.RevalReserv]/Share (Rs.) 74.1574.5274.4773.3472.11
Book Value[Incl.RevalReserv]/Share (Rs.) 74.1574.5274.4773.3472.11
Revenue From Operations / Share (Rs.) 0.591.842.535.032.76
PBDIT / Share (Rs.) 0.271.341.413.042.21
PBIT / Share (Rs.) 0.241.311.372.982.13
PBT / Share (Rs.) 0.241.311.364.122.13
Net Profit / Share (Rs.) 0.170.970.993.361.70
NP After MI And SOA / Share (Rs.) 0.201.041.033.371.72
PBDIT Margin (%) 46.5772.6455.7560.4780.06
PBIT Margin (%) 41.4971.0854.1159.3177.30
PBT Margin (%) 41.2171.0853.6681.8777.26
Net Profit Margin (%) 30.2753.1239.1166.8061.69
NP After MI And SOA Margin (%) 35.3256.4340.8566.9862.37
Return on Networth / Equity (%) 0.281.401.414.682.43
Return on Capital Employeed (%) 0.331.751.844.062.96
Return On Assets (%) 0.281.381.364.492.34
Total Debt / Equity (X) 0.000.000.010.000.00
Asset Turnover Ratio (%) 0.010.020.030.060.03
Current Ratio (X) 44.7222.5527.3324.4037.94
Quick Ratio (X) 44.7222.5526.7324.0936.80
Interest Coverage Ratio (X) 167.276687.75125.95305.172008.00
Interest Coverage Ratio (Post Tax) (X) 114.094891.0089.35223.321488.68
Enterprise Value (Cr.) 64.4359.7236.2665.1517.84
EV / Net Operating Revenue (X) 54.3516.227.176.493.23
EV / EBITDA (X) 116.7122.3212.8510.734.04
MarketCap / Net Operating Revenue (X) 53.9316.159.187.925.83
Price / BV (X) 0.430.400.310.550.22
Price / Net Operating Revenue (X) 53.9616.169.187.925.83
EarningsYield 0.010.030.040.080.10

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Apoorva Leasing Finance & Investment Co. Ltd. is a Public Limited Listed company incorporated on 07/10/1983 and has its registered office in the State of Delhi, India. Company's Corporate Identification Number(CIN) is L74899DL1983PLC016713 and registration number is 016713. Currently Company is involved in the business activities of Other financial service activities, except insurance and pension funding activities. Company's Total Operating Revenue is Rs. 1.19 Cr. and Equity Capital is Rs. 19.97 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Finance & InvestmentsBlock 34, House No 247, Trilokpuri, New Delhi Delhi 110091Contact not found
Management
NamePosition Held
Mr. Atul Singh TyagiManaging Director & CFO
Mrs. Anupama Singh TyagiDirector
Mr. Antriksh SinghDirector
Mr. Akhil Kumar UpadhyayDirector
Mr. Vasu GambhirDirector
Ms. Sanjay KumarDirector

FAQ

What is the intrinsic value of Apoorva Leasing Finance & Investment Co Ltd and is it undervalued?

As of 14 April 2026, Apoorva Leasing Finance & Investment Co Ltd's intrinsic value is ₹11.50, which is 67.61% lower than the current market price of ₹35.50, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (0.24 %), book value (₹72.6), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Apoorva Leasing Finance & Investment Co Ltd?

Apoorva Leasing Finance & Investment Co Ltd is trading at ₹35.50 as of 14 April 2026, with a FY2026-2027 high of ₹43.6 and low of ₹27.9. The stock is currently in the middle of its 52-week range. Market cap stands at ₹70.9 Cr..

How does Apoorva Leasing Finance & Investment Co Ltd's P/E ratio compare to its industry?

Apoorva Leasing Finance & Investment Co Ltd has a P/E ratio of , which is below the industry average of 98.51. This is broadly in line with or below the industry average.

Is Apoorva Leasing Finance & Investment Co Ltd financially healthy?

Key indicators for Apoorva Leasing Finance & Investment Co Ltd: ROCE of 0.32 % is on the lower side compared to the industry average of 21.71%; ROE of 0.24 % is below ideal levels (industry average: 14.20%). Dividend yield is 0.00 %.

Is Apoorva Leasing Finance & Investment Co Ltd profitable and how is the profit trend?

Apoorva Leasing Finance & Investment Co Ltd reported a net profit of ₹0 Cr in Mar 2025 on revenue of ₹1 Cr. Compared to ₹7 Cr in Mar 2022, the net profit shows a declining trend.

Does Apoorva Leasing Finance & Investment Co Ltd pay dividends?

Apoorva Leasing Finance & Investment Co Ltd has a dividend yield of 0.00 % at the current price of ₹35.50. The company is currently not paying meaningful dividends.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Apoorva Leasing Finance & Investment Co Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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