Aastamangalam Finance Ltd

AastamangalamFin Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Aastamangalam Finance Ltd

₹ 32.9 -0.45%
05 Jun - close price
upasanafinance.com BSE: 511764
About

Incorporated in 1985, Aastamangalam Finance Ltd (formerly Upasana Finance Ltd) is engaged in the business of Lending.

Key Points

Business Overview:[1][2]
The Company is registered with RBI as Non-Deposittaking Non-Banking Financial Company (NBFC-ND) and holds a valid certificate of Registration. It is classified as NBFC - Loan Company.

Website BSE
  • Market Cap ₹ 51.1 Cr.
  • Current Price ₹ 32.9
  • High / Low ₹ 55.0 / 27.8
  • Stock P/E 5.41
  • Book Value ₹ 53.8
  • Dividend Yield 0.00 %
  • ROCE 13.2 %
  • ROE 12.0 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Stock is trading at 0.61 times its book value
  • Company has delivered good profit growth of 81.4% CAGR over last 5 years

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Promoter holding is low: 28.5%
  • Company has a low return on equity of 12.9% over last 3 years.
  • Promoter holding has decreased over last 3 years: -18.7%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Figures in Rs. Crores

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
1.15 1.14 1.42 2.26 2.21 2.87 3.96 4.25 4.30 4.71 3.62 3.54 5.31
Interest 1.18 0.00 0.79 0.39 0.42 0.55 0.57 0.57 0.57 0.57 0.57 0.57 2.29
0.17 0.13 0.16 0.11 0.20 0.10 0.26 0.26 2.13 0.15 -0.27 0.41 0.14
Financing Profit -0.20 1.01 0.47 1.76 1.59 2.22 3.13 3.42 1.60 3.99 3.32 2.56 2.88
Financing Margin % -17.39% 88.60% 33.10% 77.88% 71.95% 77.35% 79.04% 80.47% 37.21% 84.71% 91.71% 72.32% 54.24%
0.01 0.00 0.00 0.00 0.00 0.00 0.22 0.00 0.00 0.00 0.00 0.00 0.00
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Profit before tax -0.19 1.01 0.47 1.76 1.59 2.22 3.35 3.42 1.60 3.99 3.32 2.56 2.88
Tax % -57.89% 24.75% 23.40% 25.00% 24.53% 24.77% 25.37% 25.15% 84.38% 25.06% 28.31% 25.00% 24.65%
-0.08 0.76 0.36 1.31 1.19 1.67 2.50 2.56 0.25 2.99 2.38 1.91 2.16
EPS in Rs -0.10 0.66 0.22 0.82 0.74 1.04 1.56 1.65 0.16 1.92 1.53 1.23 1.39
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
1.75 1.27 1.34 1.08 1.06 1.29 0.61 1.26 3.35 7.03 15.27 17.17
Interest 0.02 0.00 0.00 0.01 0.00 0.00 0.00 0.01 1.18 1.64 2.31 4.00
0.71 0.74 0.68 0.69 0.42 1.18 0.07 0.99 0.25 0.56 2.69 0.43
Financing Profit 1.02 0.53 0.66 0.38 0.64 0.11 0.54 0.26 1.92 4.83 10.27 12.74
Financing Margin % 58.29% 41.73% 49.25% 35.19% 60.38% 8.53% 88.52% 20.63% 57.31% 68.71% 67.26% 74.20%
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.00 0.22 0.00
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.02 0.02 0.01 0.01
Profit before tax 1.02 0.53 0.66 0.38 0.64 0.11 0.54 0.25 1.91 4.81 10.48 12.73
Tax % 22.55% 13.21% 10.61% 26.32% 31.25% 72.73% 11.11% 48.00% 24.08% 25.16% 20.99% 25.92%
0.79 0.45 0.59 0.28 0.44 0.03 0.48 0.13 1.45 3.60 8.28 9.44
EPS in Rs 1.03 0.58 0.77 0.36 0.57 0.04 0.62 0.17 1.88 2.25 5.33 6.08
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%
Compounded Sales Growth
10 Years: 30%
5 Years: 95%
3 Years: 72%
TTM: 12%
Compounded Profit Growth
10 Years: 36%
5 Years: 81%
3 Years: 87%
TTM: 14%
Stock Price CAGR
10 Years: 10%
5 Years: 21%
3 Years: 6%
1 Year: 1%
Return on Equity
10 Years: 9%
5 Years: 12%
3 Years: 13%
Last Year: 12%

Balance Sheet

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 4.28 4.28 4.28 4.28 4.28 4.28 4.28 4.28 4.28 8.91 15.54 15.54
Reserves 7.43 7.88 8.47 8.75 9.19 9.22 9.70 9.82 19.30 28.77 58.53 67.97
Borrowing 0.00 0.00 0.00 0.01 0.00 0.00 0.00 0.00 36.14 40.22 44.45 50.45
0.20 0.23 0.15 0.02 0.12 0.63 0.25 0.53 0.89 2.66 3.15 4.92
Total Liabilities 11.91 12.39 12.90 13.06 13.59 14.13 14.23 14.63 60.61 80.56 121.67 138.88
0.00 0.00 0.00 0.00 0.01 0.01 0.01 0.07 0.05 0.03 0.03 0.02
CWIP 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Investments 6.96 7.89 8.39 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4.95 4.50 4.51 13.06 13.58 14.12 14.22 14.56 60.56 80.53 121.64 138.86
Total Assets 11.91 12.39 12.90 13.06 13.59 14.13 14.23 14.63 60.61 80.56 121.67 138.88

Cash Flows

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
0.89 0.50 0.40 -11.16 1.08 -2.76 0.07 -0.28 -25.97 -23.86 -33.63 17.64
-0.71 -0.90 -0.22 8.75 -0.01 0.00 0.00 -0.07 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.97 0.19 0.00 0.00 0.00 42.98 12.98 30.16 2.00
Net Cash Flow 0.17 -0.40 0.18 -1.45 1.25 -2.76 0.07 -0.35 17.01 -10.88 -3.47 19.64
Free Cash Flow 0.89 0.50 0.40 -11.16 1.07 -2.76 0.07 -0.35 -25.97 -23.86 -33.63 17.64
CFO/OP 100% 109% 61% -2,836% 200% -2,436% 24% -59% -823% -350% -250% 125%

Ratios

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 6.98% 3.77% 4.74% 2.17% 3.32% 0.22% 3.49% 0.93% 7.70% 11.75% 14.82% 11.98%

Insights

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Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Non-Performing Assets (Gross NPA)
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Total Credit Provisions / Loss Allowances
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Total Gross Loan Portfolio
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Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
35.24% 35.24% 35.24% 27.60% 27.60% 27.60% 27.60% 28.49% 28.49% 28.49% 28.49% 28.49%
64.74% 64.75% 64.75% 72.40% 72.41% 72.41% 72.41% 71.52% 71.52% 71.52% 71.51% 71.51%
No. of Shareholders 5,7645,9996,0716,1386,1686,2946,6106,4426,4466,3876,3556,344

Documents

Announcements

Annual reports