Anupam Finserv Ltd

₹ 1.80 -1.10%

18 Sep - close price

About

Incorporated in 1991, Anupam Finserv Ltd
deals in the business of finance and leasing.^[1]

Key Points

Business Overview:^[1]
AFL is registered as a non-deposit-taking Non-Systematically Important Base Non-Banking Finance Company. It has also forayed into green asset financing, like granting credit facilities
for rooftop solar panel installation to housing societies and loans for the purchase of EV Batteries. Apart from the above, the company is expanding its operations by granting Credit for Supply Chain Financing and Bills /Invoice Discounting.

Website BSE

Market Cap ₹ 34.2 Cr.
Current Price ₹ 1.80
High / Low ₹ 3.40 / 1.67
Stock P/E 15.7
Book Value ₹ 1.60
Dividend Yield 0.00 %
ROCE 8.16 %
ROE 6.62 %
Face Value ₹ 1.00

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Pros

Stock is trading at 1.12 times its book value

Cons

Though the company is reporting repeated profits, it is not paying out dividend
Company has a low return on equity of 5.64% 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 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	0.76	0.75	0.89	0.78	0.92	0.98	1.04	0.88	1.16	1.78	1.25	1.31	1.70
Interest	0.08	0.09	0.09	0.05	0.07	0.07	0.05	0.02	0.05	0.04	0.02	0.17	0.28
	0.37	0.23	0.18	0.32	0.46	0.46	0.82	0.74	0.57	0.47	0.62	0.62	0.62
Financing Profit	0.31	0.43	0.62	0.41	0.39	0.45	0.17	0.12	0.54	1.27	0.61	0.52	0.80
Financing Margin %	40.79%	57.33%	69.66%	52.56%	42.39%	45.92%	16.35%	13.64%	46.55%	71.35%	48.80%	39.69%	47.06%
	0.03	-0.03	0.00	0.00	0.00	0.00	0.04	0.00	0.00	0.00	0.00	0.00	0.01
Depreciation	0.13	0.14	0.12	0.11	0.12	0.13	0.15	0.09	0.08	0.08	0.07	0.08	0.06
Profit before tax	0.21	0.26	0.50	0.30	0.27	0.32	0.06	0.03	0.46	1.19	0.54	0.44	0.75
Tax %	33.33%	23.08%	18.00%	30.00%	25.93%	59.38%	-150.00%	0.00%	26.09%	24.37%	25.93%	29.55%	24.00%
	0.15	0.20	0.42	0.21	0.20	0.13	0.15	0.02	0.34	0.90	0.40	0.31	0.56
EPS in Rs	0.01	0.01	0.02	0.01	0.01	0.01	0.01	0.00	0.02	0.05	0.02	0.02	0.03
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	TTM
	0.58	0.50	0.51	2.44	2.32	2.19	2.85	2.94	2.53	3.13	3.69	5.34	6.04
Interest	0.00	0.02	0.09	0.65	0.92	0.85	0.79	0.70	0.31	0.30	0.21	0.28	0.51
	0.77	0.38	0.23	1.33	0.45	0.59	0.38	0.43	0.52	1.05	1.60	2.11	2.33
Financing Profit	-0.19	0.10	0.19	0.46	0.95	0.75	1.68	1.81	1.70	1.78	1.88	2.95	3.20
Financing Margin %	-32.76%	20.00%	37.25%	18.85%	40.95%	34.25%	58.95%	61.56%	67.19%	56.87%	50.95%	55.24%	52.98%
	0.00	0.01	0.00	0.06	0.00	0.00	0.03	0.01	-0.27	-0.04	-0.71	0.00	0.01
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.13	0.40	0.49	0.49	0.32	0.29
Profit before tax	-0.19	0.11	0.19	0.52	0.95	0.75	1.71	1.69	1.03	1.25	0.68	2.63	2.92
Tax %	31.58%	36.36%	21.05%	11.54%	31.58%	14.67%	25.15%	22.49%	25.24%	24.80%	25.00%	25.48%
	-0.25	0.07	0.15	0.45	0.64	0.64	1.27	1.32	0.77	0.94	0.51	1.95	2.17
EPS in Rs	-0.02	0.01	0.01	0.02	0.03	0.03	0.05	0.06	0.03	0.04	0.03	0.10	0.12
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:	27%
5 Years:	13%
3 Years:	28%
TTM:	49%

Compounded Profit Growth
10 Years:	39%
5 Years:	9%
3 Years:	27%
TTM:	239%

Stock Price CAGR
10 Years:	13%
5 Years:	4%
3 Years:	-2%
1 Year:	-19%

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

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	5.51	5.51	5.51	10.51	10.51	10.51	10.51	11.56	11.56	11.56	18.98	18.98
Reserves	-1.17	-1.10	-0.95	-0.54	0.12	0.76	2.03	2.29	3.07	4.00	9.48	11.44
Borrowing	0.00	0.40	3.40	8.07	7.91	6.57	6.47	3.09	3.95	2.36	3.25	9.15
	0.13	0.29	0.25	0.34	0.22	0.36	0.40	0.22	0.12	0.27	0.25	0.52
Total Liabilities	4.47	5.10	8.21	18.38	18.76	18.20	19.41	17.16	18.70	18.19	31.96	40.09
	0.00	0.00	0.00	0.01	0.01	0.01	0.00	1.45	2.40	2.24	1.70	0.73
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	0.00	0.00	0.25	3.71	0.89	0.99	1.08	0.88	0.63	0.68	0.60	3.63
	4.47	5.10	7.96	14.66	17.86	17.20	18.33	14.83	15.67	15.27	29.66	35.73
Total Assets	4.47	5.10	8.21	18.38	18.76	18.20	19.41	17.16	18.70	18.19	31.96	40.09

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
	0.17	0.17	-2.70	-4.79	-3.59	1.62	0.68	3.55	0.48	2.41	-12.47	-3.63
	0.00	0.00	-0.25	-3.46	2.94	-0.28	0.51	-0.83	-1.41	-0.66	-0.58	-2.51
	-0.07	-0.07	2.99	9.02	-0.16	-1.34	-0.10	-3.38	0.86	-1.59	13.26	5.84
Net Cash Flow	0.09	0.09	0.04	0.77	-0.81	0.00	1.09	-0.66	-0.07	0.16	0.21	-0.30
Free Cash Flow	0.17	0.17	-2.70	-4.81	-3.59	1.62	0.68	1.96	-1.14	2.01	-13.18	-3.26
CFO/OP	-95%	150%	-957%	-418%	-180%	122%	39%	156%	37%	129%	-580%	-93%

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 %	-4.07%	1.60%	3.34%	6.19%	6.21%	5.84%	10.67%	10.08%	6.74%	6.56%	3.68%	6.62%

Insights

In beta

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

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Mar 2025

Gross Loan Book
INR '000

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Gross Non-Performing Assets (GNPA)
INR '000

Net Non-Performing Assets (NNPA)
INR '000

Capital to Risk-Weighted Assets Ratio (CRAR)
%

Leasing Segment Revenue Share
%

Number of Permanent Employees
count

Top Customer Revenue Concentration
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	29.31%	29.31%	29.33%	29.33%	29.33%	29.33%	51.63%	51.63%	51.75%	51.75%	51.75%	51.75%
	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
	70.66%	70.66%	70.66%	70.65%	70.66%	70.65%	48.35%	48.36%	48.22%	48.24%	48.24%	48.23%
No. of Shareholders	42,765	41,386	54,616	53,240	52,299	53,247	53,663	53,693	53,108	52,148	51,126	50,195

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Jun 2026
	11.21%	18.23%	22.87%	22.89%	22.89%	29.31%	29.31%	29.33%	51.63%	51.75%	51.75%
	0.04%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.01%	0.01%	0.01%
	88.75%	81.75%	77.11%	77.09%	77.09%	70.67%	70.66%	70.66%	48.35%	48.24%	48.23%
No. of Shareholders	798	783	768	862	1,697	41,036	42,798	54,616	53,663	51,126	50,195

* 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

Insights

Shareholding Pattern

Documents

Announcements

Annual reports