Anupam Finserv Ltd

₹ 2.28 0.44%

22 Aug - close price

About

Incorporated in 1991, Anupam Finserv Ltd is in the business of financing and leasing^[1]

Key Points

Business Overview:^[1]
Company is registered as a Non Deposit taking Non Systematically Important Non Banking Finance Company. It provides all kinds of Loans and Finance, viz. Personal, Business or Home loans. Apart from NBFC business, company also ventured into operating lease of vehicles

Website BSE

Market Cap ₹ 43.3 Cr.
Current Price ₹ 2.28
High / Low ₹ 3.36 / 1.25
Stock P/E 67.6
Book Value ₹ 1.50
Dividend Yield 0.00 %
ROCE 6.61 %
ROE 3.68 %
Face Value ₹ 1.00

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Pros

Cons

Though the company is reporting repeated profits, it is not paying out dividend
The company has delivered a poor sales growth of 11.0% over past five years.
Company has a low return on equity of 5.38% over last 3 years.

* 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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Detailed Comparison with:

Quarterly Results

Figures in Rs. Crores

	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025
	0.60	0.60	0.58	0.69	0.76	0.75	0.89	0.78	0.92	0.98	1.04	0.88	1.16
	0.23	0.19	0.10	0.21	0.37	0.23	0.18	0.32	0.46	0.46	0.82	0.74	0.57
Operating Profit	0.37	0.41	0.48	0.48	0.39	0.52	0.71	0.46	0.46	0.52	0.22	0.14	0.59
OPM %	61.67%	68.33%	82.76%	69.57%	51.32%	69.33%	79.78%	58.97%	50.00%	53.06%	21.15%	15.91%	50.86%
	-0.00	-0.00	-0.15	-0.00	0.03	-0.03	-0.00	-0.00	-0.00	-0.00	0.04	-0.00	-0.00
Interest	0.06	0.09	0.08	0.08	0.08	0.09	0.09	0.05	0.07	0.07	0.05	0.02	0.05
Depreciation	0.09	0.14	0.06	0.11	0.13	0.14	0.12	0.11	0.12	0.13	0.15	0.09	0.08
Profit before tax	0.22	0.18	0.19	0.29	0.21	0.26	0.50	0.30	0.27	0.32	0.06	0.03	0.46
Tax %	27.27%	27.78%	21.05%	37.93%	33.33%	23.08%	18.00%	30.00%	25.93%	59.38%	-150.00%	-0.00%	26.09%
	0.16	0.13	0.15	0.17	0.15	0.20	0.42	0.21	0.20	0.13	0.15	0.02	0.34
EPS in Rs	0.01	0.01	0.01	0.01	0.01	0.01	0.02	0.01	0.01	0.01	0.01	0.00	0.02
Raw PDF

Profit & Loss

Figures in Rs. Crores

	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
	2.53	0.58	0.50	0.51	2.44	2.32	2.19	2.85	2.94	2.53	3.13	3.69	4.06
	2.42	0.77	0.38	0.23	1.33	0.45	0.59	0.38	0.43	0.52	1.05	1.60	2.59
Operating Profit	0.11	-0.19	0.12	0.28	1.11	1.87	1.60	2.47	2.51	2.01	2.08	2.09	1.47
OPM %	4.35%	-32.76%	24.00%	54.90%	45.49%	80.60%	73.06%	86.67%	85.37%	79.45%	66.45%	56.64%	36.21%
	0.06	-0.00	0.01	-0.00	0.06	-0.00	-0.00	0.03	0.01	-0.27	-0.04	-0.71	0.04
Interest	-0.00	-0.00	0.02	0.09	0.65	0.92	0.85	0.79	0.70	0.31	0.30	0.21	0.19
Depreciation	0.01	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	0.13	0.40	0.49	0.49	0.45
Profit before tax	0.16	-0.19	0.11	0.19	0.52	0.95	0.75	1.71	1.69	1.03	1.25	0.68	0.87
Tax %	31.25%	31.58%	36.36%	21.05%	11.54%	31.58%	14.67%	25.15%	22.49%	25.24%	24.80%	25.00%
	0.12	-0.25	0.07	0.15	0.45	0.64	0.64	1.27	1.32	0.77	0.94	0.51	0.64
EPS in Rs	0.01	-0.02	0.01	0.01	0.02	0.03	0.03	0.05	0.06	0.03	0.04	0.03	0.04
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:	20%
5 Years:	11%
3 Years:	8%
TTM:	22%

Compounded Profit Growth
10 Years:	18%
5 Years:	5%
3 Years:	-15%
TTM:	-39%

Stock Price CAGR
10 Years:	13%
5 Years:	23%
3 Years:	10%
1 Year:	21%

Return on Equity
10 Years:	6%
5 Years:	7%
3 Years:	5%
Last Year:	4%

Balance Sheet

Figures in Rs. Crores

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	5.51	5.51	5.51	5.51	10.51	10.51	10.51	10.51	11.56	11.56	11.56	18.98
Reserves	2.43	-1.17	-1.10	-0.95	-0.54	0.12	0.76	2.03	2.29	3.07	4.00	9.48
	0.19	-0.00	0.40	3.40	8.07	7.91	6.57	6.47	3.09	3.95	2.36	3.25
	0.87	0.13	0.29	0.25	0.34	0.22	0.36	0.40	0.22	0.12	0.27	0.25
Total Liabilities	9.00	4.47	5.10	8.21	18.38	18.76	18.20	19.41	17.16	18.70	18.19	31.96
	0.11	-0.00	-0.00	-0.00	0.01	0.01	0.01	-0.00	1.45	2.40	2.24	1.70
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	0.37	-0.00	-0.00	0.25	3.71	0.89	0.99	1.08	0.88	0.63	0.68	0.60
	8.52	4.47	5.10	7.96	14.66	17.86	17.20	18.33	14.83	15.67	15.27	29.66
Total Assets	9.00	4.47	5.10	8.21	18.38	18.76	18.20	19.41	17.16	18.70	18.19	31.96

Cash Flows

Figures in Rs. Crores

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	0.75	0.17	0.17	-2.70	-4.79	-3.59	1.62	0.68	3.55	0.48	2.41	-12.47
	-0.00	-0.00	-0.00	-0.25	-3.46	2.94	-0.28	0.51	-0.83	-1.41	-0.66	-0.58
	-0.73	-0.07	-0.07	2.99	9.02	-0.16	-1.34	-0.10	-3.38	0.86	-1.59	13.26
Net Cash Flow	0.02	0.09	0.09	0.04	0.77	-0.81	-0.00	1.09	-0.66	-0.07	0.16	0.21

Ratios

Figures in Rs. Crores

	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	1.44	-0.00	65.70	-0.00	4.49	-0.00	-0.00	-0.00	8.69	12.98	9.33	2.97
Inventory Days	9.26	398.18	121.67		38.24
Days Payable	111.17	99.55	405.56		10.43
Cash Conversion Cycle	-100.46	298.64	-218.19	-0.00	32.30	-0.00	-0.00	-0.00	8.69	12.98	9.33	2.97
Working Capital Days	-122.63	12.59	102.20	3,041.67	722.52	-1,263.34	-1,076.67	-8.96	53.38	33.18	-16.33	-11.87
ROCE %	1.19%	-3.05%	2.84%	4.39%	9.00%	10.22%	8.80%	13.57%	13.35%	9.07%	8.88%	6.61%

Shareholding Pattern

Numbers in percentages

	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025
	29.31%	29.31%	29.31%	29.31%	29.31%	29.31%	29.33%	29.33%	29.33%	29.33%	51.63%	51.63%
	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.01%	0.01%
	70.68%	70.67%	70.66%	70.67%	70.66%	70.66%	70.66%	70.65%	70.66%	70.65%	48.35%	48.36%
No. of Shareholders	44,092	44,479	42,798	41,540	42,765	41,386	54,616	53,240	52,299	53,247	53,663	53,693

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Jun 2025
	11.21%	18.23%	22.87%	22.89%	22.89%	29.31%	29.31%	29.33%	51.63%	51.63%
	0.04%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.01%	0.01%
	88.75%	81.75%	77.11%	77.09%	77.09%	70.67%	70.66%	70.66%	48.35%	48.36%
No. of Shareholders	798	783	768	862	1,697	41,036	42,798	54,616	53,663	53,693

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Anupam Finserv Ltd

Anupam Finserv Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Shareholding Pattern

Documents

Announcements

Annual reports