Ashika Credit Capital Ltd

₹ 312 -0.19%

30 Mar 3:21 p.m.

About

Incorporated in 1994, Ashika Credit Capital Ltd provides loans and advances, inter-corporate deposits, loans against securities, and investments in shares and securities^[1]

Key Points

Business Overview:^[1]
Company is a flagship company of the Ashika Group. It is an RBI-registered non- deposit-taking non-banking financial company. Company is engaged in fund-based activities viz. providing loans and investments

Website BSE

Market Cap ₹ 1,395 Cr.
Current Price ₹ 312
High / Low ₹ 580 / 286
Stock P/E 144
Book Value ₹ 138
Dividend Yield 0.00 %
ROCE -22.1 %
ROE -20.2 %
Face Value ₹ 10.0

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Pros

Company has reduced debt.
Company is almost debt free.
Company is expected to give good quarter
Promoter holding has increased by 7.11% over last quarter.

Cons

The company has delivered a poor sales growth of -9.90% over past five years.
Company has a low return on equity of -9.38% over last 3 years.
Working capital days have increased from 23.4 days to 108 days

* 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)

Part of BSE Allcap BSE Financial Services

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
	-2.53	-0.08	4.88	6.36	13.68	3.20	18.51	17.07	2.43	2.33	69.90	20.56	7.66
Interest	0.00	0.08	0.07	0.07	0.17	0.43	0.25	1.58	3.08	2.64	0.02	0.07	0.00
	0.71	1.26	0.87	1.31	1.03	11.54	1.53	2.66	24.33	69.99	3.35	3.37	6.59
Financing Profit	-3.24	-1.42	3.94	4.98	12.48	-8.77	16.73	12.83	-24.98	-70.30	66.53	17.12	1.07
Financing Margin %	128.06%	1,775.00%	80.74%	78.30%	91.23%	-274.06%	90.38%	75.16%	-1,027.98%	-3,017.17%	95.18%	83.27%	13.97%
	0.01	1.45	0.00	0.00	0.00	0.16	0.00	0.00	0.01	0.05	0.00	0.00	0.00
Depreciation	0.00	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.02	0.03	0.03	0.04
Profit before tax	-3.23	0.02	3.93	4.97	12.47	-8.62	16.72	12.82	-24.98	-70.27	66.50	17.09	1.03
Tax %	-17.96%	1,650.00%	17.30%	17.10%	21.89%	-25.52%	19.44%	27.77%	-22.26%	-23.37%	23.89%	24.93%	89.32%
	-2.65	-0.30	3.25	4.12	9.74	-6.41	13.47	9.27	-19.41	-53.87	50.61	12.84	0.12
EPS in Rs	-2.23	-0.25	2.74	3.47	8.20	-5.40	11.34	4.33	-7.71	-16.27	13.25	3.36	0.03
Gross NPA %
Net NPA %
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	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
	6	3	2	2	11	18	7	7	7	11	18	4	100
Interest	2	0	0	0	5	7	0	0	0	0	1	8	3
	6	2	10	-1	3	-1	10	4	2	4	5	63	83
Financing Profit	-2	1	-8	3	4	12	-4	2	5	6	13	-67	14
Financing Margin %	-27%	35%	-379%	163%	33%	64%	-51%	33%	74%	61%	69%	-1,571%	14%
	0	0	0	0	0	0	0	0	0	1	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	-2	1	-8	3	4	12	-4	2	5	8	13	-67	14
Tax %	7%	14%	-26%	37%	26%	27%	-28%	34%	36%	26%	16%	-23%
	-2	1	-6	2	3	8	-3	2	4	6	11	-51	10
EPS in Rs	-2.59	1.33	-8.55	2.69	2.57	7.45	-2.14	1.37	2.95	4.96	9.01	-15.53	0.37
Dividend Payout %	0%	0%	0%	0%	0%	13%	0%	0%	0%	0%	0%	0%

Compounded Sales Growth
10 Years:	3%
5 Years:	-10%
3 Years:	-15%
TTM:	144%

Compounded Profit Growth
10 Years:	%
5 Years:	%
3 Years:	%
TTM:	415%

Stock Price CAGR
10 Years:	26%
5 Years:	51%
3 Years:	99%
1 Year:	-43%

Return on Equity
10 Years:	-4%
5 Years:	-6%
3 Years:	-9%
Last Year:	-20%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	7	7	7	7	11	11	12	12	12	12	12	33	38
Reserves	20	21	15	16	30	37	34	36	40	45	56	407	581
Borrowing	8	0	0	6	92	17	0	0	10	0	25	1	0
	2	2	9	9	2	2	1	1	1	2	2	2	11
Total Liabilities	36	30	30	38	134	67	47	49	62	59	95	443	630
	0	0	0	0	0	0	0	0	0	0	0	1	1
CWIP	0	0	0	0	0	0	0	0	0	0	0	0	0
Investments	0	3	9	0	0	0	0	0	43	37	94	341	441
	36	26	21	37	134	67	47	48	19	22	1	102	187
Total Assets	36	30	30	38	134	67	47	49	62	59	95	443	630

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	10	7	2	-16	-86	67	8	2	-12	10	-25	-390
	14	7	-8	11	0	0	0	0	0	-0	0	-1
	-24	-8	0	6	101	-73	-17	0	10	-10	25	399
Net Cash Flow	-0	6	-6	0	15	-7	-8	2	-2	-0	0	8
Free Cash Flow	10	7	2	-16	-86	67	8	2	-12	10	-25	-391
CFO/OP	2,285%	532%	-29%	-545%	-1,040%	360%	-305%	100%	-227%	163%	-174%	655%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
ROE %	-6%	3%	-24%	8%	9%	19%	-5%	3%	7%	11%	17%	-20%

Insights

In beta

Mar 2020

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Loan Book Assets (Net)
₹ Lakhs

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x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	xx,xxx.xx
	xx	xx	xx	xx
	x,xxx	x,xxx	x,xxx	x,xxx
		xxx	x	xxx
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Total Investment Portfolio
₹ Lakhs

Number of Employees
Count

Number of Shareholders
Count

Asset Quality - Stage 1 (Performing) Portfolio
%

Number of Institutional Clients (FII/DII)
Count

Full-Service Brokerage Touchpoints
Count

Shareholding Pattern

Numbers in percentages

1 Recently

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
	54.02%	54.02%	58.44%	58.95%	58.95%	60.53%	63.40%	60.27%	58.69%	50.88%	50.88%	58.00%
	2.72%	2.72%	2.72%	2.72%	2.72%	2.72%	1.51%	1.29%	0.93%	0.81%	0.85%	0.73%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.52%	0.39%	0.00%	0.00%	0.00%
	43.26%	43.26%	38.86%	38.34%	38.33%	36.75%	35.09%	37.92%	39.98%	48.31%	48.28%	41.27%
No. of Shareholders	1,468	1,435	1,551	1,799	1,697	1,990	2,240	3,124	3,198	3,921	4,000	4,185

	Dec 2016	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Dec 2025
	26.53%	31.23%	34.50%	39.14%	44.11%	49.07%	54.02%	58.95%	58.69%	58.00%
	0.00%	0.93%	0.88%	0.84%	0.84%	8.37%	2.72%	2.72%	0.93%	0.73%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.39%	0.00%
	73.47%	67.85%	64.61%	60.01%	55.05%	42.56%	43.26%	38.33%	39.98%	41.27%
No. of Shareholders	865	872	879	904	968	1,244	1,468	1,697	3,198	4,185

* 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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Ashika Credit Capital Ltd

Ashika Credit Capital Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

Documents

Announcements

Annual reports