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Last Updated: April 2, 2026, 3:26 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 533632 | NSE: ONELIFECAP

Onelife Capital Advisors Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹39.34Undervalued by 155.45%vs CMP ₹15.40

P/E (15.0) × ROE (47.4%) × BV (₹6.78) × DY (2.00%)

Defaults: P/E=15

₹16.70Fairly Valued by 8.44%vs CMP ₹15.40
MoS: +7.8% (Thin)Confidence: 44/100 (Low)Models: 1 Under, 3 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹35.4241%Under (+130%)
Net Asset ValueAssets₹6.7924%Over (-55.9%)
ROCE CapitalReturns₹0.1216%Over (-99.2%)
Revenue MultipleRevenue₹3.0418%Over (-80.3%)
Consensus (4 models)₹16.70100%Fairly Valued
Key Drivers: Wide model spread (₹0–₹35) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: -10.0% · Defaults: P/E=15

*Investments are subject to market risks

Investment Snapshot

54
Onelife Capital Advisors Ltd scores 54/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health64/100 · Moderate
ROCE 26.7% ExcellentROE 47.4% ExcellentD/E 0.01 Low debtInterest Coverage 0.0x RiskyProfitable 1/5 years Inconsistent
Smart Money50/100 · Moderate
Promoter holding at 52.1% Stable
Earnings Quality50/100 · Moderate
OPM contracting (-11% → -158%) DecliningWorking capital: -946 days (improving) Efficient
Quarterly Momentum25/100 · Weak
Revenue (4Q): -85% YoY DecliningOPM: -586.3% (down 493.0% YoY) Margin pressure
Industry Rank85/100 · Strong
ROCE 26.7% vs industry 21.7% Above peersROE 47.4% vs industry 14.2% Above peers3Y sales CAGR: 21% High growth

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.

Onelife Capital Advisors Ltd Investor Signals

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

Value Trap Score
30/100
Low
Derived from: Cheapness + weak quality + weak cash support
Current data: P/E 0.0 vs Ind 98.5 | ROCE 26.7% | ROE 47.4% | CFO/NP N/A
Balance Sheet Stress
40/100
Manageable
Derived from: Leverage + debt servicing + liquidity + debt trend
Current data: D/E 0.01x | IntCov 0.0x | Current 14.09x | Borrow/Reserve 2.73x
Cash Flow Reliability
100/100
Strong
Derived from: Cash backing of earnings + working capital pressure
Current data: CFO ₹0 Cr | NP ₹-5 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
-100
Early weakness
Derived from: Latest quarter sales + profit + OPM change
Current data: Q Sales -86.8% | Q NP +61.3% | Q OPM -468.4 pp
Derived FieldValueHow it is derived
Valuation Gap %+8.4%((Fair Value - CMP) / CMP) × 100
Borrowings / Reserves2.73xLatest 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-285Latest shareholder count minus previous count
Quarterly Sales Change-86.8%Latest quarter sales vs previous quarter sales
Quarterly Profit Change+61.3%Latest quarter net profit vs previous quarter net profit
Quarterly OPM Change-468.4 ppLatest quarter OPM minus previous quarter OPM

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 3:26 am

Market Cap 57.5 Cr.
Current Price 15.4
Intrinsic Value₹16.70
High / Low 17.8/9.13
Stock P/E
Book Value 6.78
Dividend Yield0.00 %
ROCE26.7 %
ROE47.4 %
Face Value 10.0
PEG Ratio0.00

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

View Share Price Target for Onelife Capital Advisors 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 Onelife Capital Advisors Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Sales 1.301.371.821.301.4732.417.211.521.331.230.853.860.51
Expenses 2.022.192.081.351.8026.236.0233.572.577.052.058.413.50
Operating Profit -0.72-0.82-0.26-0.05-0.336.181.19-32.05-1.24-5.82-1.20-4.55-2.99
OPM % -55.38%-59.85%-14.29%-3.85%-22.45%19.07%16.50%-2,108.55%-93.23%-473.17%-141.18%-117.88%-586.27%
Other Income 0.200.390.240.120.012.810.6426.20-0.4911.571.221.061.95
Interest 0.200.860.300.160.101.220.730.550.440.210.180.980.93
Depreciation 0.020.030.030.030.030.450.150.220.26-0.010.180.180.19
Profit before tax -0.74-1.32-0.35-0.12-0.457.320.95-6.62-2.435.55-0.34-4.65-2.16
Tax % 6.76%-8.33%28.57%75.00%11.11%75.55%31.58%2.87%18.52%25.23%52.94%3.66%-13.43%
Net Profit -0.79-1.21-0.45-0.21-0.501.800.65-6.80-2.884.15-0.52-4.83-1.87
EPS in Rs -0.21-0.32-0.12-0.06-0.130.410.16-1.80-0.731.00-0.14-1.21-0.45

Last Updated: March 3, 2026, 3:59 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 25, 2026, 6:46 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Sales 6.0510.273.557.857.4010.549.496.456.395.2237.8711.366.45
Expenses 3.806.778.959.976.7710.0710.145.726.466.3531.4349.2121.01
Operating Profit 2.253.50-5.40-2.120.630.47-0.650.73-0.07-1.136.44-37.85-14.56
OPM % 37.19%34.08%-152.11%-27.01%8.51%4.46%-6.85%11.32%-1.10%-21.65%17.01%-333.19%-225.74%
Other Income 0.00-0.440.03-0.160.020.110.020.110.090.202.2937.8515.80
Interest 0.000.120.240.090.050.030.030.010.081.501.781.932.30
Depreciation 0.760.780.681.710.530.570.890.770.260.050.530.620.54
Profit before tax 1.492.16-6.29-4.080.07-0.02-1.550.06-0.32-2.486.42-2.55-1.60
Tax % 0.00%2.31%0.48%0.49%42.86%300.00%5.16%200.00%25.00%0.00%90.03%91.37%
Net Profit 1.492.11-6.31-4.100.05-0.08-1.63-0.05-0.40-2.480.64-4.88-3.07
EPS in Rs 0.110.21-1.67-1.100.01-0.02-0.44-0.01-0.11-0.660.10-1.37-0.80
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 (%)41.61%-399.05%35.02%101.22%-260.00%-1937.50%96.93%-700.00%-520.00%125.81%-862.50%
Change in YoY Net Profit Growth (%)0.00%-440.66%434.08%66.20%-361.22%-1677.50%2034.43%-796.93%180.00%645.81%-988.31%

Onelife Capital Advisors 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:1%
5 Years:4%
3 Years:21%
TTM:-88%
Compounded Profit Growth
10 Years:%
5 Years:%
3 Years:%
TTM:-1667%
Stock Price CAGR
10 Years:-10%
5 Years:15%
3 Years:-5%
1 Year:-33%
Return on Equity
10 Years:-3%
5 Years:-3%
3 Years:-5%
Last Year:-16%

Last Updated: September 5, 2025, 11:55 am

Balance Sheet

Last Updated: December 4, 2025, 1:45 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 13.3613.3613.3613.3613.3613.3613.3613.3613.3613.3613.3613.3613.36
Reserves 66.2967.0552.8586.1979.1378.9871.5671.5371.1468.6637.3421.3211.99
Borrowings 0.005.133.255.237.016.311.111.0014.9413.1726.1723.0632.74
Other Liabilities 109.6644.2843.5711.9310.8910.156.724.537.5228.5088.06113.77101.14
Total Liabilities 189.31129.82113.03116.71110.39108.8092.7590.42106.96123.69164.93171.51159.23
Fixed Assets 6.170.1216.4216.823.994.483.432.472.228.8211.4232.3932.04
CWIP 0.000.390.000.250.840.000.000.000.000.000.000.000.00
Investments 0.030.032.756.357.766.766.766.326.3220.277.946.926.92
Other Assets 183.11129.2893.8693.2997.8097.5682.5681.6398.4294.60145.57132.20120.27
Total Assets 189.31129.82113.03116.71110.39108.8092.7590.42106.96123.69164.93171.51159.23

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + 116.99-91.36-4.84-7.98-9.80-4.02-5.41-2.15-2.0118.52-5.7957.80
Cash from Investing Activity + -96.9771.60-7.747.449.683.2611.640.00-12.01-12.20-5.98-26.96
Cash from Financing Activity + 0.005.02-2.221.991.62-0.75-5.09-0.1213.86-3.2711.23-5.04
Net Cash Flow 20.02-14.75-14.801.451.51-1.501.15-2.27-0.163.05-0.5425.79
Free Cash Flow 116.99-86.48-29.40-7.99-10.46-4.24-5.40-1.96-2.0211.86-8.9336.21
CFO/OP 5,190%-2,602%82%375%-1,478%-768%832%-222%2,614%-1,652%-25%-160%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow2.25-1.63-8.65-7.35-6.38-5.84-1.76-0.27-15.01-14.30-19.73-60.91

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 121.870.712.064.184.9380.34122.6972.43274.18406.25223.13527.76
Inventory Days 0.000.00825.1812.79
Days Payable 1,425.47929.08
Cash Conversion Cycle 121.870.712.064.184.9380.34122.6972.43274.18406.25-377.16-388.53
Working Capital Days 2,515.792,326.837,000.802,737.731,877.782,186.542,560.003,986.714,796.983,918.51261.87-946.48
ROCE %1.24%2.19%-5.01%-3.52%0.12%0.01%-1.48%0.08%-0.26%-1.01%9.53%-26.66%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 52.10%52.10%52.10%52.10%52.10%52.10%52.10%52.10%52.10%52.10%52.10%52.10%
DIIs 0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.01%0.01%0.01%0.01%0.01%
Public 47.91%47.92%47.91%47.91%47.91%47.90%47.90%47.90%47.89%47.90%47.90%47.89%
No. of Shareholders 9,2819,0839,2759,4359,88810,0269,85710,43810,48710,71310,41210,127

Shareholding Pattern Chart

No. of Shareholders

Onelife Capital Advisors 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.) -3.650.47-1.86-0.30-0.04
Diluted EPS (Rs.) -3.650.47-1.86-0.30-0.04
Cash EPS (Rs.) -3.190.87-1.81-0.100.53
Book Value[Excl.RevalReserv]/Share (Rs.) 25.9637.9561.3963.2663.55
Book Value[Incl.RevalReserv]/Share (Rs.) 25.9637.9561.3963.2663.55
Revenue From Operations / Share (Rs.) 8.4527.693.333.063.40
PBDIT / Share (Rs.) -13.046.53-0.690.010.63
PBIT / Share (Rs.) -13.506.13-0.73-0.170.05
PBT / Share (Rs.) -1.914.80-1.86-0.230.04
Net Profit / Share (Rs.) -3.650.47-1.86-0.29-0.04
NP After MI And SOA / Share (Rs.) -3.850.28-1.86-0.29-0.04
PBDIT Margin (%) -154.4323.58-20.830.4118.72
PBIT Margin (%) -159.8922.14-22.05-5.841.70
PBT Margin (%) -22.5717.32-55.79-7.801.33
Net Profit Margin (%) -43.231.71-55.79-9.72-1.20
NP After MI And SOA Margin (%) -45.571.04-55.77-9.71-1.19
Return on Networth / Equity (%) -14.820.76-3.02-0.46-0.06
Return on Capital Employeed (%) -30.2410.73-1.13-0.280.09
Return On Assets (%) -2.990.23-2.00-0.37-0.05
Long Term Debt / Equity (X) 0.650.340.050.000.00
Total Debt / Equity (X) 0.660.510.160.170.01
Asset Turnover Ratio (%) 0.060.250.030.040.04
Current Ratio (X) 1.011.492.394.1514.09
Quick Ratio (X) 1.000.932.394.1514.09
Inventory Turnover Ratio (X) 0.450.000.000.000.00
Dividend Payout Ratio (NP) (%) -0.040.000.000.000.00
Dividend Payout Ratio (CP) (%) -0.040.000.000.000.00
Earning Retention Ratio (%) 100.040.000.000.000.00
Cash Earning Retention Ratio (%) 100.040.000.000.000.00
Interest Coverage Ratio (X) -9.024.90-0.610.2162.05
Interest Coverage Ratio (Post Tax) (X) -10.541.36-0.65-3.98-2.74
Enterprise Value (Cr.) 6.5860.6426.6528.888.88
EV / Net Operating Revenue (X) 0.581.646.007.071.96
EV / EBITDA (X) -0.376.95-28.781698.7910.44
MarketCap / Net Operating Revenue (X) 1.211.084.023.742.06
Retention Ratios (%) 100.040.000.000.000.00
Price / BV (X) 0.390.780.210.180.11
Price / Net Operating Revenue (X) 1.211.084.023.742.06
EarningsYield -0.370.01-0.13-0.02-0.01

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Onelife Capital Advisors Ltd. is a Public Limited Listed company incorporated on 31/08/2007 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L74140MH2007PLC173660 and registration number is 173660. Currently Company is involved in the business activities of Activities auxiliary to financial service activities. Company's Total Operating Revenue is Rs. 0.00 Cr. and Equity Capital is Rs. 13.36 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Finance & InvestmentsPlot No. A-356, Road No. 26, Thane Maharashtra 400604Contact not found
Management
NamePosition Held
Mr. Prabhakara NaigChairman & Wholetime Director
Mr. Pandoo NaigExecutive Director & CFO
Mr. Nitesh Shrinath singhInd. Non-Executive Director
Mr. Dhananjay ParikhInd. Non-Executive Director
Mr. Ranu JainInd. Non-Executive Director
Mr. Abhay Kumar SethiaInd. Non-Executive Director
Mr. Shalini Shivcharan PatidarNon Exe.Non Ind.Director

FAQ

What is the intrinsic value of Onelife Capital Advisors Ltd and is it undervalued?

As of 05 April 2026, Onelife Capital Advisors Ltd's intrinsic value is ₹16.70, which is 8.44% higher than the current market price of ₹15.40, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (47.4 %), book value (₹6.78), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Onelife Capital Advisors Ltd?

Onelife Capital Advisors Ltd is trading at ₹15.40 as of 05 April 2026, with a FY2026-2027 high of ₹17.8 and low of ₹9.13. The stock is currently in the middle of its 52-week range. Market cap stands at ₹57.5 Cr..

How does Onelife Capital Advisors Ltd's P/E ratio compare to its industry?

Onelife Capital Advisors 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 Onelife Capital Advisors Ltd financially healthy?

Key indicators for Onelife Capital Advisors Ltd: ROCE of 26.7 % indicates efficient capital utilization; ROE of 47.4 % shows strong shareholder returns. Dividend yield is 0.00 %.

Is Onelife Capital Advisors Ltd profitable and how is the profit trend?

Onelife Capital Advisors Ltd reported a net profit of ₹-5 Cr in Mar 2025 on revenue of ₹11 Cr. Compared to ₹0 Cr in Mar 2022, the net profit shows a mixed trend.

Does Onelife Capital Advisors Ltd pay dividends?

Onelife Capital Advisors Ltd has a dividend yield of 0.00 % at the current price of ₹15.40. 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 Onelife Capital Advisors 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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