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Last Updated: March 17, 2026, 4:39 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 511730 | NSE: AVASARA

Avasara Finance Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹1.78Overvalued by 89.59%vs CMP ₹17.10

P/E (15.0) × ROE (20.2%) × BV (₹0.72) × DY (2.00%)

Defaults: P/E=15

₹1.34Overvalued by 92.16%vs CMP ₹17.10
MoS: -1176.1% (Negative)Confidence: 65/100 (Moderate)Models: All 3: Overvalued
ModelCategoryValueWeightSignal
PE-ROEEarnings₹1.6550%Over (-90.4%)
Net Asset ValueAssets₹1.0830%Over (-93.7%)
ROCE CapitalReturns₹0.9520%Over (-94.4%)
Consensus (3 models)₹1.34100%Overvalued

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: -7.0% · Defaults: P/E=15

*Investments are subject to market risks

Investment Snapshot

63
Avasara Finance Ltd scores 63/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health72/100 · Strong
ROCE 20.2% ExcellentROE 20.2% ExcellentD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 3/5 years Mixed
Smart Money50/100 · Moderate
Promoter holding at 65.9% Stable
Earnings Quality60/100 · Moderate
Working capital: 0 days (improving) Efficient
Quarterly Momentum50/100 · Moderate
Industry Rank75/100 · Strong
ROCE 20.2% 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.

Avasara Finance Ltd Investor Signals

Computed from valuation, cash flow, balance sheet, ownership and quarterly trend data already available in this stock page.

Value Trap Score
10/100
Low
Derived from: Cheapness + weak quality + weak cash support
Current data: P/E 0.0 vs Ind 101.6 | ROCE 20.2% | ROE 20.2% | CFO/NP N/A
Balance Sheet Stress
0/100
Comfortable
Derived from: Leverage + debt servicing + liquidity + debt trend
Current data: D/E 0.00x | IntCov 0.0x | Current 48.31x | Borrow/Reserve N/A
Cash Flow Reliability
100/100
Strong
Derived from: Cash backing of earnings + working capital pressure
Current data: CFO ₹0 Cr | NP ₹0 Cr | CFO/NP N/A
Ownership Accumulation
0
Neutral
Derived from: FII + DII + promoter direction, adjusted by crowding
Current data: FII N/A | DII 0.00 pp | Prom 0.00 pp
Business Momentum
0
Watch closely
Derived from: Latest quarter sales + profit + OPM change
Current data: Q Sales N/A | Q NP -189.5% | Q OPM N/A
Derived FieldValueHow it is derived
Valuation Gap %-92.2%((Fair Value - CMP) / CMP) × 100
Borrowings / ReservesN/ALatest borrowings divided by latest reserves
CFO / Net ProfitN/ALatest operating cash flow divided by latest net profit
FII ChangeN/ALatest FII% minus previous FII%
DII Change0.00 ppLatest DII% minus previous DII%
Promoter Change0.00 ppLatest promoter% minus previous promoter%
Shareholder Count Change+37Latest shareholder count minus previous count
Quarterly Sales ChangeN/ALatest quarter sales vs previous quarter sales
Quarterly Profit Change-189.5%Latest quarter net profit vs previous quarter net profit
Quarterly OPM ChangeN/ALatest quarter OPM minus previous quarter OPM

Share Price and Basic Stock Data

Last Updated: March 17, 2026, 4:39 am

Market Cap 25.7 Cr.
Current Price 17.1
Intrinsic Value₹1.34
High / Low 19.4/13.0
Stock P/E
Book Value 0.72
Dividend Yield0.00 %
ROCE20.2 %
ROE20.2 %
Face Value 10.0
PEG Ratio0.00

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

View Share Price Target for Avasara Finance Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Minolta Finance Ltd 15.2 Cr. 1.52 1.66/1.00 1.070.00 %0.40 %0.09 % 1.00
Money Masters Leasing & Finance Ltd 5.72 Cr. 0.57 2.05/0.558.54 1.570.00 %4.42 %3.94 % 1.00
Moneyboxx Finance Ltd 435 Cr. 62.3 123/44.0 40.10.00 %8.65 %0.58 % 10.0
Moongipa Capital Finance Ltd 12.4 Cr. 13.5 24.7/12.010.2 26.60.00 %12.1 %9.43 % 10.0
Morarka Finance Ltd 20.9 Cr. 46.4 138/42.111.3 2382.16 %2.46 %2.17 % 10.0
Industry Average22,241.21 Cr369.74101.56513.160.26%15.81%8.84%8.50

All Competitor Stocks of Avasara Finance Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue0.040.190.040.040.091.150.040.000.000.000.000.000.00
Interest 0.000.000.000.000.000.000.000.000.000.000.000.000.00
Expenses 0.060.120.090.050.040.920.220.100.050.080.190.190.55
Financing Profit-0.020.07-0.05-0.010.050.23-0.18-0.10-0.05-0.08-0.19-0.19-0.55
Financing Margin %-50.00%36.84%-125.00%-25.00%55.56%20.00%-450.00%
Other Income 0.000.000.000.000.000.000.000.000.000.000.000.000.00
Depreciation 0.000.000.000.000.000.000.000.000.000.000.000.000.00
Profit before tax -0.020.07-0.05-0.010.050.23-0.18-0.10-0.05-0.08-0.19-0.19-0.55
Tax % 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%
Net Profit -0.020.07-0.05-0.010.050.23-0.18-0.10-0.05-0.08-0.19-0.19-0.55
EPS in Rs -0.010.05-0.03-0.010.030.15-0.12-0.07-0.03-0.05-0.13-0.13-0.37
Gross NPA %
Net NPA %

Last Updated: February 3, 2026, 12:46 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 26, 2026, 11:35 pm

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue0.050.350.100.09-0.000.631.050.630.230.321.33-0.000.00
Interest -0.00-0.00-0.00-0.00-0.00-0.00-0.00-0.00-0.00-0.00-0.00-0.000.00
Expenses 0.050.140.090.090.180.710.870.360.580.291.110.451.01
Financing Profit-0.000.210.01-0.00-0.18-0.080.180.27-0.350.030.22-0.45-1.01
Financing Margin %-0.00%60.00%10.00%-0.00%-12.70%17.14%42.86%-152.17%9.38%16.54%
Other Income -0.00-0.00-0.00-0.00-0.00-0.00-0.00-0.00-0.00-0.00-0.00-0.000.00
Depreciation -0.00-0.00-0.00-0.00-0.00-0.00-0.00-0.00-0.00-0.00-0.00-0.000.00
Profit before tax -0.000.210.01-0.00-0.18-0.080.180.27-0.350.030.22-0.45-1.01
Tax % 19.05%-0.00%-0.00%-0.00%-0.00%3.70%2.86%-0.00%-0.00%-0.00%
Net Profit -0.030.170.01-0.00-0.18-0.080.180.27-0.360.030.22-0.45-1.01
EPS in Rs -0.020.110.01-0.00-0.12-0.050.120.18-0.240.020.15-0.30-0.68
Dividend Payout % -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

Year2014-20152015-20162016-20172018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)666.67%-94.12%-100.00%55.56%325.00%50.00%-233.33%108.33%633.33%-304.55%
Change in YoY Net Profit Growth (%)0.00%-760.78%-5.88%155.56%269.44%-275.00%-283.33%341.67%525.00%-937.88%

Avasara Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 10 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:%
5 Years:%
3 Years:%
TTM:-100%
Compounded Profit Growth
10 Years:%
5 Years:%
3 Years:-9%
TTM:-567%
Stock Price CAGR
10 Years:34%
5 Years:4%
3 Years:24%
1 Year:-10%
Return on Equity
10 Years:-2%
5 Years:-2%
3 Years:-3%
Last Year:-20%

Last Updated: September 5, 2025, 2:31 pm

Balance Sheet

Last Updated: February 1, 2026, 2:24 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 5.005.005.005.005.005.005.005.005.005.005.005.005.00
Reserves -2.54-2.37-2.36-2.36-2.79-2.87-2.69-2.43-2.79-2.76-2.55-2.99-3.37
Borrowing0.000.000.000.000.000.000.000.000.000.000.000.000.00
Other Liabilities 0.020.010.010.010.010.120.170.060.150.200.610.470.81
Total Liabilities 2.482.642.652.652.222.252.482.632.362.443.062.482.44
Fixed Assets 0.000.000.000.000.000.000.000.000.000.000.000.000.00
CWIP 0.000.000.000.000.000.000.000.000.000.000.000.000.00
Investments 0.311.031.031.030.690.260.160.070.000.000.000.000.00
Other Assets 2.171.611.621.621.531.992.322.562.362.443.062.482.44
Total Assets 2.482.642.652.652.222.252.482.632.362.443.062.482.44

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -1.071.270.010.010.60-1.33-0.120.040.05-0.080.02-0.01
Cash from Investing Activity + 0.99-0.71-0.06-0.060.000.000.000.000.000.000.000.00
Cash from Financing Activity + 0.000.000.000.000.000.000.000.000.000.000.000.00
Net Cash Flow -0.080.56-0.05-0.050.60-1.33-0.120.040.04-0.080.02-0.01
Free Cash Flow -1.071.270.010.010.60-1.33-0.120.040.05-0.080.02-0.01
CFO/OP 595%200%-333%1,600%-56%15%-14%-267%18%2%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow0.050.140.090.090.180.710.870.360.580.291.110.45

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 -0.00-0.00-0.00-0.00353.41309.38-0.00-0.00205.31406.17
Inventory Days
Days Payable
Cash Conversion Cycle -0.00-0.00-0.00-0.00353.41309.38-0.00-0.00205.31406.17
Working Capital Days 8,395.0052.14109.5081.11347.62333.71602.541,110.87923.91373.23
ROCE %-0.00%8.25%0.38%-0.00%-7.42%-3.69%8.11%11.07%-14.64%1.35%9.38%-20.18%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 65.88%65.88%65.88%65.88%65.88%65.88%65.88%65.88%65.88%65.88%65.88%65.88%
DIIs 1.93%1.93%1.93%1.93%1.93%1.93%1.93%1.93%1.93%1.93%1.93%1.93%
Public 32.20%32.20%32.20%32.20%32.20%32.19%32.19%32.19%32.19%32.20%32.19%32.18%
No. of Shareholders 2,1022,0862,0752,0612,0512,0392,0322,0272,0262,0222,0202,057

Shareholding Pattern Chart

No. of Shareholders

Avasara Finance 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.) -0.890.430.06-0.730.53
Diluted EPS (Rs.) -0.890.430.06-0.730.53
Cash EPS (Rs.) -0.890.430.05-0.720.53
Book Value[Excl.RevalReserv]/Share (Rs.) 4.024.914.484.425.15
Book Value[Incl.RevalReserv]/Share (Rs.) 4.024.914.484.425.15
Revenue From Operations / Share (Rs.) 0.002.660.640.451.25
PBDIT / Share (Rs.) -0.890.430.05-0.700.54
PBIT / Share (Rs.) -0.890.430.05-0.700.54
PBT / Share (Rs.) -0.890.430.05-0.700.54
Net Profit / Share (Rs.) -0.890.430.05-0.720.53
PBDIT Margin (%) 0.0016.349.12-155.5143.54
PBIT Margin (%) 0.0016.308.84-155.8643.44
PBT Margin (%) 0.0016.308.84-155.8643.44
Net Profit Margin (%) 0.0016.308.84-160.6342.49
Return on Networth / Equity (%) -22.208.821.27-16.4710.34
Return on Capital Employeed (%) -20.627.991.26-15.8010.53
Return On Assets (%) -17.977.081.16-15.4210.09
Asset Turnover Ratio (%) 0.000.480.130.090.24
Current Ratio (X) 7.538.6812.3918.4848.31
Quick Ratio (X) 7.538.6812.3918.4848.31
Enterprise Value (Cr.) 16.1413.448.9010.424.31
EV / Net Operating Revenue (X) 0.0010.1027.6145.996.88
EV / EBITDA (X) -36.2261.81302.73-29.5715.81
MarketCap / Net Operating Revenue (X) 0.0010.1227.6246.356.94
Price / BV (X) 8.045.483.984.751.69
Price / Net Operating Revenue (X) 0.0010.1227.6446.366.95
EarningsYield -0.020.010.00-0.030.06

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Avasara Finance Ltd. is a Public Limited Listed company incorporated on 24/05/1994 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L74899MH1994PLC216417 and registration number is 216417. 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. 0.00 Cr. and Equity Capital is Rs. 5.00 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)Bandra Hill View CHS, (3rd Floor), 85, Hill Road, Mumbai Maharashtra 400050Contact not found
Management
NamePosition Held
Mr. Korodi Sanjay PrabhuNon Executive Director
Mr. Vinu MammenWhole Time Director
Mr. Nityanand Shankar NayakIndependent Director
Mr. Vivek Ravindra KakatiIndependent Director
Ms. Jaya JanardananIndependent Director

FAQ

What is the intrinsic value of Avasara Finance Ltd and is it undervalued?

As of 05 April 2026, Avasara Finance Ltd's intrinsic value is ₹1.34, which is 92.16% lower than the current market price of ₹17.10, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (20.2 %), book value (₹0.72), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Avasara Finance Ltd?

Avasara Finance Ltd is trading at ₹17.10 as of 05 April 2026, with a FY2026-2027 high of ₹19.4 and low of ₹13.0. The stock is currently in the middle of its 52-week range. Market cap stands at ₹25.7 Cr..

How does Avasara Finance Ltd's P/E ratio compare to its industry?

Avasara Finance Ltd has a P/E ratio of , which is below the industry average of 101.56. This is broadly in line with or below the industry average.

Is Avasara Finance Ltd financially healthy?

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

Is Avasara Finance Ltd profitable and how is the profit trend?

Avasara Finance Ltd reported a net profit of ₹0 Cr in Mar 2025. Compared to ₹0 Cr in Mar 2022, the net profit shows a mixed trend.

Does Avasara Finance Ltd pay dividends?

Avasara Finance Ltd has a dividend yield of 0.00 % at the current price of ₹17.10. 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 Avasara Finance 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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