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]

Website BSE

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

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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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Detailed Comparison with:

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.

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Anupam Finserv Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Shareholding Pattern

Documents

Announcements

Annual reports