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Ashika Credit Capital Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹706.04Undervalued by 90.31%vs CMP ₹371.00

P/E (60.5) × ROE (6.1%) × BV (₹236.00) × DY (2.00%)

₹174.55Overvalued by 52.95%vs CMP ₹371.00
MoS: -112.5% (Negative)Confidence: 53/100 (Moderate)Models: 1 Under, 5 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹466.1330%Under (+25.6%)
Graham NumberEarnings₹44.3222%Over (-88.1%)
DCFCash Flow₹13.3618%Over (-96.4%)
Net Asset ValueAssets₹142.9010%Over (-61.5%)
Earnings YieldEarnings₹3.7010%Over (-99%)
ROCE CapitalReturns₹61.0910%Over (-83.5%)
Consensus (6 models)₹174.55100%Overvalued
Key Drivers: EPS CAGR -34.0% drags value — could be higher if earnings stabilize. | Wide model spread (₹4–₹466) — high uncertainty.

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 ₹371.00, market cap is 2,739 Cr.. At a glance, stock P/E is 60.5, ROE is 6.06 %, ROCE is 9.03 %, book value is 236, dividend yield is 0.00 %. The latest intrinsic value estimate is ₹174.55, around 53.0% below the current price, so expectations may already be running ahead of this modelled fair value. 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 440/286, 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

50
Ashika Credit Capital Ltd scores 50/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health62/100 · Moderate
ROCE 9.0% AverageROE 6.1% AverageD/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 Rank20/100 · Weak
P/E 60.5 vs industry 39.9 Premium to peersROCE 9.0% vs industry 17.5% Below peersROE 6.1% vs industry 13.0% Below peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily.

Share Price and Basic Stock Data

Last Updated: June 12, 2026, 8:00 am

Market Cap 2,739 Cr.
Current Price 371
Intrinsic Value₹174.55
High / Low 440/286
Stock P/E60.5
Book Value 236
Dividend Yield0.00 %
ROCE9.03 %
ROE6.06 %
Face Value 10.0
PEG Ratio-1.78

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

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 2,739 Cr. 371 440/28660.5 2360.00 %9.03 %6.06 % 10.0
Mufin Green Finance Ltd 2,052 Cr. 118 128/69.072.6 33.20.00 %10.7 %6.69 % 1.00
Arman Financial Services Ltd 1,663 Cr. 1,581 1,907/1,25629.4 8880.00 %11.7 %6.26 % 10.0
Balmer Lawrie Investment Ltd 1,557 Cr. 70.1 95.8/63.88.73 64.86.13 %16.9 %12.7 % 1.00
AK Capital Services Ltd 1,124 Cr. 1,703 1,799/1,02510.2 1,5852.23 %9.33 %10.9 % 10.0
Industry Average25,474.03 Cr382.7339.89494.340.25%17.48%13.04%8.42

All Competitor Stocks of Ashika Credit Capital Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue-2.53-0.084.886.3613.683.2018.5117.072.432.3369.9020.567.66
Interest 0.000.080.070.070.170.430.251.583.082.640.020.070.00
Expenses 0.711.260.871.311.0311.541.532.6624.3369.993.353.376.59
Financing Profit-3.24-1.423.944.9812.48-8.7716.7312.83-24.98-70.3066.5317.121.07
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 0.011.450.000.000.000.160.000.000.010.050.000.000.00
Depreciation 0.000.010.010.010.010.010.010.010.010.020.030.030.04
Profit before tax -3.230.023.934.9712.47-8.6216.7212.82-24.98-70.2766.5017.091.03
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 -2.65-0.303.254.129.74-6.4113.479.27-19.41-53.8750.6112.840.12
EPS in Rs -2.23-0.252.743.478.20-5.4011.344.33-7.71-16.2713.253.360.03
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

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue6322111877711184100
Interest 2000570000183
Expenses 6210-13-11042456383
Financing Profit-21-83412-425613-6714
Financing Margin %-27%35%-379%163%33%64%-51%33%74%61%69%-1,571%14%
Other Income 0000000001000
Depreciation 0000000000000
Profit before tax -21-83412-425813-6714
Tax % 7%14%-26%37%26%27%-28%34%36%26%16%-23%
Net Profit -21-6238-324611-5110
EPS in Rs -2.591.33-8.552.692.577.45-2.141.372.954.969.01-15.530.37
Dividend Payout % 0%0%0%0%0%13%0%0%0%0%0%0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
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: May 26, 2026, 1:00 am

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital 777111112121212123345
Reserves 211516303734364045564071,010
Borrowing006921700100251129
Other Liabilities 2992211122240
Total Liabilities 3030381346747496259954431,224
Fixed Assets 0000000000135
CWIP 000000000000
Investments 3900000433794341978
Other Assets 26213713467474819221102211
Total Assets 3030381346747496259954431,224

Reserves and Borrowings Chart

Cash Flow

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity + 72-16-866782-1210-25-390-77
Cash from Investing Activity + 7-81100000-00-1-19
Cash from Financing Activity + -806101-73-17010-1025399109
Net Cash Flow 6-6015-7-82-2-00814
Free Cash Flow 72-16-866782-1210-25-391-77
CFO/OP 532%-29%-545%-1,040%360%-305%100%-227%163%-174%655%-94%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow6.002.0010.00-7.00-89.00-18.0010.004.00-8.004.00-20.0062.00

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

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days 000000000000
Inventory Days
Days Payable
Cash Conversion Cycle 000000000000
Working Capital Days 9012,1832,7975,423743-119508-16-22108
ROCE %1%4%-33%12%10%19%-5%5%10%14%18%-22%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 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 1,4681,4351,5511,7991,6971,9902,2403,1243,1983,9214,0004,185

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

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) -25.769.014.952.951.38
Diluted EPS (Rs.) -25.769.014.952.951.38
Cash EPS (Rs.) -15.529.034.962.961.38
Book Value[Excl.RevalReserv]/Share (Rs.) 132.9757.3048.2743.3140.34
Book Value[Incl.RevalReserv]/Share (Rs.) 132.9757.3048.2743.3140.34
Revenue From Operations / Share (Rs.) 1.2815.478.925.695.49
PBDIT / Share (Rs.) -17.8311.386.794.662.09
PBIT / Share (Rs.) -17.8411.366.784.652.08
PBT / Share (Rs.) -20.1210.746.684.582.08
Net Profit / Share (Rs.) -15.539.014.952.951.38
PBDIT Margin (%) -1392.2373.5376.1281.7838.00
PBIT Margin (%) -1393.1973.4176.0581.7037.92
PBT Margin (%) -1571.1769.4174.9680.4437.92
Net Profit Margin (%) -1212.5958.2255.5351.8325.07
Return on Networth / Equity (%) -11.6715.7210.266.813.41
Return on Capital Employeed (%) -13.3919.5113.8010.635.13
Return On Assets (%) -11.5911.279.965.623.36
Total Debt / Equity (X) 0.000.360.000.180.00
Asset Turnover Ratio (%) 0.010.230.170.120.13
Current Ratio (X) 178.663.6786.345.86105.91
Quick Ratio (X) 178.663.6786.345.86105.91
Interest Coverage Ratio (X) -7.8218.4169.7865.170.00
Interest Coverage Ratio (Post Tax) (X) -5.8115.5851.9142.300.00
Enterprise Value (Cr.) 1796.57105.6546.5753.7744.45
EV / Net Operating Revenue (X) 423.685.754.397.956.82
EV / EBITDA (X) -30.437.825.779.7217.94
MarketCap / Net Operating Revenue (X) 425.464.414.436.577.21
Price / BV (X) 4.101.190.810.860.98
Price / Net Operating Revenue (X) 425.704.414.436.577.21
EarningsYield -0.020.130.120.070.03

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. 93.54 Cr. and Equity Capital is Rs. 44.73 Cr. for the Year ended 31/03/2026.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)Trinity, 226/1, A.J.C. Bose Road, Kolkata West Bengal 700020Contact not found
Management
NamePosition Held
Mr. Chirag JainExecutive Director & CEO
Mr. Amit JainNon Exe.Non Ind.Director
Mr. Supratim BandyopadhyayIndependent Director
Mr. Pravin KutumbeIndependent Director
Mr. Ajay Pratapray ShanghaviIndependent Director
Mr. Tapan SodaniIndependent Director
Ms. Pinki KediaIndependent Director

FAQ

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

As of 27 June 2026, Ashika Credit Capital Ltd's intrinsic value is ₹174.55, which is 52.95% lower than the current market price of ₹371.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (6.06 %), book value (₹236), 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 ₹371.00 as of 27 June 2026, with a FY2026-2027 high of ₹440 and low of ₹286. The stock is currently in the middle of its 52-week range. Market cap stands at ₹2,739 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 60.5, which is above the industry average of 39.89. 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 9.03 % is on the lower side compared to the industry average of 17.48%; ROE of 6.06 % is below ideal levels (industry average: 13.04%). 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 ₹371.00. The company is currently not paying meaningful dividends.

Last Updated: June 12, 2026, 8:00 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 543766 | NSE: ASHIKA
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 Ashika Credit Capital 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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