Ashika Credit Capital Ltd: Intrinsic Value & Share Price Analysis

Q: What is the current share price and 52-week range of Ashika Credit Capital Ltd?

Ashika Credit Capital Ltd is trading at 336.00 as of 21 April 2026, with a FY2026-2027 high of 569 and low of 286. The stock is currently near its 52-week low. Market cap stands at 1,504 Cr..

Q: Is Ashika Credit Capital Ltd financially healthy?

Key indicators: ROCE of 22.1 % indicates efficient capital utilization. Dividend yield is 0.00 %.

Q: Is Ashika Credit Capital Ltd profitable and how is the profit trend?

Ashika Credit Capital Ltd reported a net profit of -51 Cr in Mar 2025 on revenue of 4 Cr. Compared to 4 Cr in Mar 2022, the net profit shows a declining trend.

Fair Value

₹3,525.76Undervalued by 949.33%vs CMP ₹336.00

P/E (155.0) × ROE (20.2%) × BV (₹138.00) × DY (2.00%)

₹740.76Undervalued by 120.46%vs CMP ₹336.00

MoS: +54.6% (Strong)Confidence: 53/100 (Moderate)Models: 1 Under, 5 Over

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹2,327.71	30%	Under (+592.8%)
Graham Number	Earnings	₹33.89	22%	Over (-89.9%)
DCF	Cash Flow	₹22.03	18%	Over (-93.4%)
Net Asset Value	Assets	₹138.29	10%	Over (-58.8%)
Earnings Yield	Earnings	₹3.70	10%	Over (-98.9%)
ROCE Capital	Returns	₹59.12	10%	Over (-82.4%)
Consensus (6 models)		₹740.76	100%	Undervalued

Key Drivers: EPS CAGR -34.0% drags value — could be higher if earnings stabilize. | P/E of 155 makes PE-ROE unreliable — asset/earnings models are better benchmarks.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: -34.0%

*Investments are subject to market risks

Analyst Summary

Ashika Credit Capital Ltd operates in the Non-Banking Financial Company (NBFC) segment, NSE: ASHIKA | BSE: 543766, current market price is ₹336.00, market cap is 1,504 Cr.. At a glance, stock P/E is 155, ROE is 20.2 %, ROCE is 22.1 %, book value is 138, dividend yield is 0.00 %. The latest intrinsic value estimate is ₹740.76, which is about 120.5% above the current price, so the page currently reads as potentially undervalued rather than fully priced. On operating trend, latest reported sales are about ₹4 Cr versus the prior period change of -77.8%, while latest net profit is about ₹-51 Cr with a prior-period change of -563.6%. The 52-week range shown on this page is 569/286, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisAshika Credit Capital Ltd. is a Public Limited Listed company incorporated on 08/03/1994 and has its registered office in the State of West Bengal, India. Company's Corporate Identification Number(CIN…

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

Investment Snapshot

Ashika Credit Capital Ltd scores 63/100 (Average)

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

Stock Health84/100 · Strong

ROCE 22.1% ExcellentROE 20.2% ExcellentD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 4/5 years Consistent

Smart Money60/100 · Moderate

FII holding stable No changePromoter increased by 7.12% Positive

Earnings Quality50/100 · Moderate

Quarterly Momentum50/100 · Moderate

Industry Rank65/100 · Strong

P/E 155.0 vs industry 101.6 Premium to peersROCE 22.1% vs industry 15.8% Above peersROE 20.2% vs industry 8.8% Above peers

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, 4:08 am

Market Cap	1,504 Cr.
Current Price	336
Intrinsic Value	₹740.76
High / Low	569/286
Stock P/E	155
Book Value	138
Dividend Yield	0.00 %
ROCE	22.1 %
ROE	20.2 %
Face Value	10.0
PEG Ratio	-4.56

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

Stock P/E Current Price Intrinsic Value

View Share Price Target for Ashika Credit Capital Ltd

Competitors

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Ashika Credit Capital Ltd	1,504 Cr.	336	569/286	155	138	0.00 %	22.1 %	20.2 %	10.0
Balmer Lawrie Investment Ltd	1,505 Cr.	67.8	95.8/62.3	8.73	61.2	6.34 %	17.2 %	13.2 %	1.00
Arman Financial Services Ltd	1,561 Cr.	1,485	1,850/1,111	55.1	830	0.00 %	13.3 %	6.17 %	10.0
Mufin Green Finance Ltd	1,765 Cr.	102	126/63.1	83.7	18.4	0.00 %	12.6 %	7.89 %	1.00
AK Capital Services Ltd	997 Cr.	1,511	1,719/930	9.59	1,537	2.51 %	8.48 %	8.97 %	10.0
Industry Average	22,241.21 Cr	369.74		101.56	513.16	0.26%	15.81%	8.84%	8.50

All Competitor Stocks of Ashika Credit Capital Ltd

Quarterly Result

Metric	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	-2.53	-0.08	4.88	6.36	13.68	3.20	18.51	17.07	2.43	2.33	69.90	20.56	7.66
Interest	0.00	0.08	0.07	0.07	0.17	0.43	0.25	1.58	3.08	2.64	0.02	0.07	0.00
Expenses	0.71	1.26	0.87	1.31	1.03	11.54	1.53	2.66	24.33	69.99	3.35	3.37	6.59
Financing Profit	-3.24	-1.42	3.94	4.98	12.48	-8.77	16.73	12.83	-24.98	-70.30	66.53	17.12	1.07
Financing Margin %	128.06%	1,775.00%	80.74%	78.30%	91.23%	-274.06%	90.38%	75.16%	-1,027.98%	-3,017.17%	95.18%	83.27%	13.97%
Other Income	0.01	1.45	0.00	0.00	0.00	0.16	0.00	0.00	0.01	0.05	0.00	0.00	0.00
Depreciation	0.00	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.02	0.03	0.03	0.04
Profit before tax	-3.23	0.02	3.93	4.97	12.47	-8.62	16.72	12.82	-24.98	-70.27	66.50	17.09	1.03
Tax %	-17.96%	1,650.00%	17.30%	17.10%	21.89%	-25.52%	19.44%	27.77%	-22.26%	-23.37%	23.89%	24.93%	89.32%
Net Profit	-2.65	-0.30	3.25	4.12	9.74	-6.41	13.47	9.27	-19.41	-53.87	50.61	12.84	0.12
EPS in Rs	-2.23	-0.25	2.74	3.47	8.20	-5.40	11.34	4.33	-7.71	-16.27	13.25	3.36	0.03
Gross NPA %
Net NPA %

Last Updated: March 3, 2026, 12:11 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 26, 2026, 10:35 pm

Metric	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	6	3	2	2	11	18	7	7	7	11	18	4	100
Interest	2	0	0	0	5	7	0	0	0	0	1	8	3
Expenses	6	2	10	-1	3	-1	10	4	2	4	5	63	83
Financing Profit	-2	1	-8	3	4	12	-4	2	5	6	13	-67	14
Financing Margin %	-27%	35%	-379%	163%	33%	64%	-51%	33%	74%	61%	69%	-1,571%	14%
Other Income	0	0	0	0	0	0	0	0	0	1	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	-2	1	-8	3	4	12	-4	2	5	8	13	-67	14
Tax %	7%	14%	-26%	37%	26%	27%	-28%	34%	36%	26%	16%	-23%
Net Profit	-2	1	-6	2	3	8	-3	2	4	6	11	-51	10
EPS in Rs	-2.59	1.33	-8.55	2.69	2.57	7.45	-2.14	1.37	2.95	4.96	9.01	-15.53	0.37
Dividend Payout %	0%	0%	0%	0%	0%	13%	0%	0%	0%	0%	0%	0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024	2024-2025
YoY Net Profit Growth (%)	150.00%	-700.00%	133.33%	50.00%	166.67%	-137.50%	166.67%	100.00%	50.00%	83.33%	-563.64%
Change in YoY Net Profit Growth (%)	0.00%	-850.00%	833.33%	-83.33%	116.67%	-304.17%	304.17%	-66.67%	-50.00%	33.33%	-646.97%

Ashika Credit Capital 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:	3%
5 Years:	-10%
3 Years:	-15%
TTM:	117%

Compounded Profit Growth
10 Years:	%
5 Years:	%
3 Years:	%
TTM:	-168%

Stock Price CAGR
10 Years:	32%
5 Years:	77%
3 Years:	118%
1 Year:	35%

Return on Equity
10 Years:	-4%
5 Years:	-6%
3 Years:	-9%
Last Year:	-20%

Last Updated: September 5, 2025, 2:26 pm

Balance Sheet

Last Updated: February 1, 2026, 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	7	7	7	7	11	11	12	12	12	12	12	33	38
Reserves	20	21	15	16	30	37	34	36	40	45	56	407	581
Borrowing	8	0	0	6	92	17	0	0	10	0	25	1	0
Other Liabilities	2	2	9	9	2	2	1	1	1	2	2	2	11
Total Liabilities	36	30	30	38	134	67	47	49	62	59	95	443	630
Fixed Assets	0	0	0	0	0	0	0	0	0	0	0	1	1
CWIP	0	0	0	0	0	0	0	0	0	0	0	0	0
Investments	0	3	9	0	0	0	0	0	43	37	94	341	441
Other Assets	36	26	21	37	134	67	47	48	19	22	1	102	187
Total Assets	36	30	30	38	134	67	47	49	62	59	95	443	630

Reserves and Borrowings Chart

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
Cash from Operating Activity +	10	7	2	-16	-86	67	8	2	-12	10	-25	-390
Cash from Investing Activity +	14	7	-8	11	0	0	0	0	0	-0	0	-1
Cash from Financing Activity +	-24	-8	0	6	101	-73	-17	0	10	-10	25	399
Net Cash Flow	-0	6	-6	0	15	-7	-8	2	-2	-0	0	8
Free Cash Flow	10	7	2	-16	-86	67	8	2	-12	10	-25	-391
CFO/OP	2,285%	532%	-29%	-545%	-1,040%	360%	-305%	100%	-227%	163%	-174%	655%

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	-2.00	2.00	10.00	-7.00	-89.00	-18.00	10.00	4.00	-8.00	4.00	-20.00	62.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	0	0	0	0	0	0	0	0	0	0	0	0
Inventory Days
Days Payable
Cash Conversion Cycle	0	0	0	0	0	0	0	0	0	0	0	0
Working Capital Days	901	2,183	2,797	5,423	743	-11	9	50	8	-16	-22	108
ROCE %	1%	4%	-33%	12%	10%	19%	-5%	5%	10%	14%	18%	-22%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	54.02%	54.02%	58.44%	58.95%	58.95%	60.53%	63.40%	60.27%	58.69%	50.88%	50.88%	58.00%
FIIs	2.72%	2.72%	2.72%	2.72%	2.72%	2.72%	1.51%	1.29%	0.93%	0.81%	0.85%	0.73%
DIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.52%	0.39%	0.00%	0.00%	0.00%
Public	43.26%	43.26%	38.86%	38.34%	38.33%	36.75%	35.09%	37.92%	39.98%	48.31%	48.28%	41.27%
No. of Shareholders	1,468	1,435	1,551	1,799	1,697	1,990	2,240	3,124	3,198	3,921	4,000	4,185

Shareholding Pattern Chart

No. of Shareholders

Ashika Credit Capital Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 25	Mar 24	Mar 23	Mar 22	Mar 21
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	-25.76	9.01	4.95	2.95	1.38
Diluted EPS (Rs.)	-25.76	9.01	4.95	2.95	1.38
Cash EPS (Rs.)	-15.52	9.03	4.96	2.96	1.38
Book Value[Excl.RevalReserv]/Share (Rs.)	132.97	57.30	48.27	43.31	40.34
Book Value[Incl.RevalReserv]/Share (Rs.)	132.97	57.30	48.27	43.31	40.34
Revenue From Operations / Share (Rs.)	1.28	15.47	8.92	5.69	5.49
PBDIT / Share (Rs.)	-17.83	11.38	6.79	4.66	2.09
PBIT / Share (Rs.)	-17.84	11.36	6.78	4.65	2.08
PBT / Share (Rs.)	-20.12	10.74	6.68	4.58	2.08
Net Profit / Share (Rs.)	-15.53	9.01	4.95	2.95	1.38
PBDIT Margin (%)	-1392.23	73.53	76.12	81.78	38.00
PBIT Margin (%)	-1393.19	73.41	76.05	81.70	37.92
PBT Margin (%)	-1571.17	69.41	74.96	80.44	37.92
Net Profit Margin (%)	-1212.59	58.22	55.53	51.83	25.07
Return on Networth / Equity (%)	-11.67	15.72	10.26	6.81	3.41
Return on Capital Employeed (%)	-13.39	19.51	13.80	10.63	5.13
Return On Assets (%)	-11.59	11.27	9.96	5.62	3.36
Total Debt / Equity (X)	0.00	0.36	0.00	0.18	0.00
Asset Turnover Ratio (%)	0.01	0.23	0.17	0.12	0.13
Current Ratio (X)	178.66	3.67	86.34	5.86	105.91
Quick Ratio (X)	178.66	3.67	86.34	5.86	105.91
Interest Coverage Ratio (X)	-7.82	18.41	69.78	65.17	0.00
Interest Coverage Ratio (Post Tax) (X)	-5.81	15.58	51.91	42.30	0.00
Enterprise Value (Cr.)	1796.57	105.65	46.57	53.77	44.45
EV / Net Operating Revenue (X)	423.68	5.75	4.39	7.95	6.82
EV / EBITDA (X)	-30.43	7.82	5.77	9.72	17.94
MarketCap / Net Operating Revenue (X)	425.46	4.41	4.43	6.57	7.21
Price / BV (X)	4.10	1.19	0.81	0.86	0.98
Price / Net Operating Revenue (X)	425.70	4.41	4.43	6.57	7.21
EarningsYield	-0.02	0.13	0.12	0.07	0.03

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Ashika Credit Capital Ltd. is a Public Limited Listed company incorporated on 08/03/1994 and has its registered office in the State of West Bengal, India. Company's Corporate Identification Number(CIN) is L67120WB1994PLC062159 and registration number is 062159. 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. 4.24 Cr. and Equity Capital is Rs. 33.11 Cr. for the Year ended 31/03/2025.

INDUSTRY	ADDRESS	CONTACT
Non-Banking Financial Company (NBFC)	Trinity, 226/1, A.J.C. Bose Road, Kolkata West Bengal 700020	Contact not found

Management
Name	Position Held
Mr. Chirag Jain	Executive Director & CEO
Mr. Amit Jain	Non Exe.Non Ind.Director
Mr. Supratim Bandyopadhyay	Independent Director
Mr. Pravin Kutumbe	Independent Director
Mr. Ajay Pratapray Shanghavi	Independent Director
Mr. Tapan Sodani	Independent Director
Ms. Pinki Kedia	Independent Director

FAQ

What is the intrinsic value of Ashika Credit Capital Ltd and is it undervalued?

As of 21 April 2026, Ashika Credit Capital Ltd's intrinsic value is ₹740.76, which is 120.46% higher than the current market price of ₹336.00, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (20.2 %), book value (₹138), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Ashika Credit Capital Ltd?

Ashika Credit Capital Ltd is trading at ₹336.00 as of 21 April 2026, with a FY2026-2027 high of ₹569 and low of ₹286. The stock is currently near its 52-week low. Market cap stands at ₹1,504 Cr..

How does Ashika Credit Capital Ltd's P/E ratio compare to its industry?

Ashika Credit Capital Ltd has a P/E ratio of 155, which is above the industry average of 101.56. The premium over industry average may reflect growth expectations or speculative interest.

Is Ashika Credit Capital Ltd financially healthy?

Key indicators for Ashika Credit Capital Ltd: ROCE of 22.1 % indicates efficient capital utilization; ROE of 20.2 % shows strong shareholder returns. Dividend yield is 0.00 %.

Is Ashika Credit Capital Ltd profitable and how is the profit trend?

Ashika Credit Capital Ltd reported a net profit of ₹-51 Cr in Mar 2025 on revenue of ₹4 Cr. Compared to ₹4 Cr in Mar 2022, the net profit shows a declining trend.

Does Ashika Credit Capital Ltd pay dividends?

Ashika Credit Capital Ltd has a dividend yield of 0.00 % at the current price of ₹336.00. The company is currently not paying meaningful dividends.