Anupam Finserv Ltd

₹ 1.88 -3.59%
02 Feb 1:15 p.m.
About

Anupam Finserv Limited is an NBFC registered with RBI and engaged in the business of all kinds of financial lending from Personal to Business loans. [1]

Key Points

Products
Capital Market Finance: Under this, the Co provides loans against shares/ mutual fund units/ insurance policies and other securities.
Corporate Finance: These are structured to manage short term working capital, long term business needs, raising capital for future ventures, diversification, expansion, and unexpected contingencies.
Mortgage Loans: it is used to leverage on the owned property to avail quick liquidity.
Personal Loans for Salaried and Professionals: Tailor Made loans at attractive interest rates and convenient repayment options. [1]

  • Market Cap 21.7 Cr.
  • Current Price 1.88
  • High / Low 3.92 / 1.67
  • Stock P/E 22.9
  • Book Value 1.22
  • Dividend Yield 0.00 %
  • ROCE 13.4 %
  • ROE 10.1 %
  • Face Value 1.00

Pros

  • Company has reduced debt.

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Promoter holding is low: 29.3%
  • Company has a low return on equity of 8.99% 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

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Figures in Rs. Crores

Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022
0.58 0.62 0.46 0.62 0.39 1.06 0.78 0.65 0.83 0.82 0.64 0.60 0.60
0.11 0.08 0.39 0.06 -0.01 0.06 0.27 0.18 0.01 0.12 0.14 0.23 0.19
Operating Profit 0.47 0.54 0.07 0.56 0.40 1.00 0.51 0.47 0.82 0.70 0.50 0.37 0.41
OPM % 81.03% 87.10% 15.22% 90.32% 102.56% 94.34% 65.38% 72.31% 98.80% 85.37% 78.12% 61.67% 68.33%
0.02 0.02 -0.03 0.00 0.00 0.00 0.02 0.00 0.00 0.00 0.02 0.00 0.00
Interest 0.23 0.20 0.20 0.20 0.20 0.20 0.19 0.19 0.20 0.19 0.11 0.06 0.09
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.02 0.04 0.07 0.09 0.14
Profit before tax 0.26 0.36 -0.16 0.36 0.20 0.80 0.34 0.28 0.60 0.47 0.34 0.22 0.18
Tax % 15.38% 22.22% 62.50% 52.78% 25.00% 25.00% 0.00% 25.00% 25.00% 23.40% 8.82% 27.27% 27.78%
Net Profit 0.21 0.28 -0.06 0.18 0.15 0.60 0.34 0.21 0.45 0.35 0.31 0.16 0.13
EPS in Rs 0.02 0.02 -0.01 0.02 0.01 0.05 0.03 0.02 0.04 0.03 0.03 0.01 0.01
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 TTM
1.44 0.91 0.72 2.53 0.58 0.50 0.51 2.44 2.32 2.19 2.85 2.94 2.66
1.26 0.80 0.70 2.42 0.77 0.38 0.23 1.33 0.45 0.59 0.38 0.43 0.68
Operating Profit 0.18 0.11 0.02 0.11 -0.19 0.12 0.28 1.11 1.87 1.60 2.47 2.51 1.98
OPM % 12.50% 12.09% 2.78% 4.35% -32.76% 24.00% 54.90% 45.49% 80.60% 73.06% 86.67% 85.37% 74.44%
0.00 0.00 0.00 0.06 0.00 0.01 0.00 0.06 0.00 0.00 0.03 0.01 0.02
Interest 0.04 0.04 0.03 0.00 0.00 0.02 0.09 0.65 0.92 0.85 0.79 0.70 0.45
Depreciation 0.01 0.02 0.02 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.13 0.34
Profit before tax 0.13 0.05 -0.03 0.16 -0.19 0.11 0.19 0.52 0.95 0.75 1.71 1.69 1.21
Tax % 23.08% 40.00% -33.33% 31.25% -31.58% 36.36% 21.05% 11.54% 31.58% 14.67% 25.15% 22.49%
Net Profit 0.10 0.03 -0.04 0.12 -0.25 0.07 0.15 0.45 0.64 0.64 1.27 1.32 0.95
EPS in Rs -0.01 0.02 -0.04 0.01 0.02 0.04 0.06 0.06 0.11 0.11 0.08
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: 12%
5 Years: 42%
3 Years: 8%
TTM: -20%
Compounded Profit Growth
10 Years: 46%
5 Years: 55%
3 Years: 28%
TTM: -41%
Stock Price CAGR
10 Years: 9%
5 Years: 10%
3 Years: -10%
1 Year: -40%
Return on Equity
10 Years: 5%
5 Years: 8%
3 Years: 9%
Last Year: 10%

Balance Sheet

Figures in Rs. Crores

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Sep 2022
2.81 2.81 5.51 5.51 5.51 5.51 5.51 10.51 10.51 10.51 10.51 11.56 11.56
Reserves 0.03 0.07 2.30 2.43 -1.17 -1.10 -0.95 -0.54 0.12 0.76 2.03 2.29 2.58
0.30 1.04 0.93 0.19 0.00 0.40 3.40 8.07 7.91 6.57 6.47 3.09 3.96
2.83 1.83 0.23 0.87 0.13 0.29 0.25 0.34 0.22 0.36 0.40 0.22 0.11
Total Liabilities 5.97 5.75 8.97 9.00 4.47 5.10 8.21 18.38 18.76 18.20 19.41 17.16 18.21
0.15 0.14 0.12 0.11 0.00 0.00 0.00 0.01 0.01 0.01 0.00 1.45 2.38
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 0.00
Investments 0.00 0.00 0.00 0.37 0.00 0.00 0.25 3.71 0.89 0.99 1.08 0.88 0.56
5.82 5.61 8.85 8.52 4.47 5.10 7.96 14.66 17.86 17.20 18.33 14.83 15.27
Total Assets 5.97 5.75 8.97 9.00 4.47 5.10 8.21 18.38 18.76 18.20 19.41 17.16 18.21

Cash Flows

Figures in Rs. Crores

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
-0.95 0.08 -2.66 0.75 0.17 0.17 -2.70 -4.79 -3.59 1.62 0.68 3.56
-0.04 0.00 0.00 0.00 0.00 0.00 -0.25 -3.46 2.94 -0.28 0.51 -0.83
1.08 -0.13 2.62 -0.73 -0.07 -0.07 2.99 9.02 -0.16 -1.34 -0.10 -3.38
Net Cash Flow 0.09 -0.05 -0.04 0.02 0.09 0.09 0.04 0.77 -0.81 0.00 1.09 -0.65

Ratios

Figures in Rs. Crores

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Debtor Days 7.60 8.02 10.14 1.44 0.00 65.70 0.00 4.49 0.00 0.00 0.00 8.69
Inventory Days 698.71 1,029.49 1,746.79 9.26 398.18 121.67 38.24
Days Payable 31.29 9.36 156.43 111.17 99.55 405.56 10.43
Cash Conversion Cycle 675.03 1,028.15 1,600.50 -100.46 298.64 -218.19 0.00 32.30 0.00 0.00 0.00 8.69
Working Capital Days 225.59 413.13 588.06 -113.97 12.59 394.20 5,475.00 1,929.71 -18.88 18.33 -8.96 53.38
ROCE % 5.77% 2.55% 0.00% 1.19% -3.05% 2.84% 4.39% 9.00% 10.22% 8.80% 13.57% 13.35%

Shareholding Pattern

Numbers in percentages

Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022
22.89 22.89 22.89 22.89 22.89 23.60 29.31 29.31 29.31 29.31 29.31 29.31
0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02
77.09 77.09 77.09 77.09 77.09 76.38 70.67 70.67 70.67 70.67 70.68 70.67

* 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.

Click on the line-items to see the names of individual entities.

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