Akme Fintrade (India) Ltd

Akme Fintrade Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Akme Fintrade (India) Ltd

₹ 7.93 0.25%
04 Nov 10:14 a.m.
akmefintrade.com BSE: 544200 NSE: AFIL
About

Incorporated in 1996, Akme Fintrade (India) Ltd provides specialized retail financing services to the lower-income and middle-income groups[1]

Key Points

Business Overview:[1][2]
AFIL, an RBI-registered NBFC, focuses on rural and semi-urban finance, operating 28 branches and 30+ sales points across Rajasthan, Maharashtra, MP, and Gujarat. It serves 2+ lakh customers with an AUM of ₹523+ crore, borrowings of ₹240+ crore, GNPA of 2.86%, and NNPA of 1.27%.

Website BSE NSE
  • Market Cap ₹ 338 Cr.
  • Current Price ₹ 7.93
  • High / Low ₹ 11.0 / 6.38
  • Stock P/E 9.89
  • Book Value ₹ 8.96
  • Dividend Yield 0.00 %
  • ROCE 14.4 %
  • ROE 11.0 %
  • Face Value ₹ 1.00
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Pros

  • Stock is trading at 0.88 times its book value
  • Company is expected to give good quarter

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • The company has delivered a poor sales growth of 0.44% over past five years.
  • Company has a low return on equity of 9.57% over last 3 years.
  • Working capital days have increased from 45.8 days to 73.7 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)

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Quarterly Results

Figures in Rs. Crores

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
21.22 16.43 17.11 19.87 20.05 21.33 24.02 28.09 29.27 31.92
5.14 5.81 5.44 6.01 3.70 3.91 6.23 7.28 6.14 8.31
Operating Profit 16.08 10.62 11.67 13.86 16.35 17.42 17.79 20.81 23.13 23.61
OPM % 75.78% 64.64% 68.21% 69.75% 81.55% 81.67% 74.06% 74.08% 79.02% 73.97%
0.00 0.00 0.00 0.04 0.00 0.00 0.00 0.00 0.00 0.00
Interest 8.46 6.42 6.62 7.60 7.64 8.20 7.57 8.78 11.17 11.33
Depreciation 0.12 0.12 0.14 0.12 0.12 0.11 0.12 0.15 0.16 0.17
Profit before tax 7.50 4.08 4.91 6.18 8.59 9.11 10.10 11.88 11.80 12.11
Tax % 25.20% 25.98% 26.07% 9.39% 26.89% 5.38% 19.41% 24.83% 36.02% 20.56%
5.61 3.01 3.63 5.60 6.28 8.61 8.14 8.93 7.55 9.61
EPS in Rs 0.18 0.10 0.11 0.18 0.20 0.20 0.19 0.21 0.18 0.23
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
45 87 100 87 68 70 73 102 113
8 15 17 19 24 22 21 24 28
Operating Profit 37 72 83 68 43 47 52 79 85
OPM % 82% 82% 83% 78% 64% 68% 71% 77% 75%
1 2 0 0 0 0 1 0 0
Interest 23 46 56 48 35 28 28 36 39
Depreciation 0 1 1 1 1 1 1 1 1
Profit before tax 15 26 27 19 8 19 24 43 46
Tax % 28% 32% 30% 15% 46% 23% 22% 22%
11 18 19 16 4 15 19 33 34
EPS in Rs 2.60 4.09 0.88 0.75 0.19 0.46 0.58 0.78 0.81
Dividend Payout % 0% 1% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 0%
3 Years: 15%
TTM: 45%
Compounded Profit Growth
10 Years: %
5 Years: 12%
3 Years: 101%
TTM: 42%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: -18%
Return on Equity
10 Years: %
5 Years: 9%
3 Years: 10%
Last Year: 11%

Balance Sheet

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 4 4 22 22 22 32 32 43
Reserves 62 91 89 108 115 173 192 340
328 425 399 318 230 178 205 282
5 15 6 7 7 8 8 11
Total Liabilities 399 535 515 455 374 390 436 675
5 6 7 7 6 19 18 19
CWIP 0 0 0 0 0 0 0 0
Investments 1 1 2 0 0 0 0 1
393 528 506 448 368 371 418 655
Total Assets 399 535 515 455 374 390 436 675

Cash Flows

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
20 85 63 23 -46 -177
-3 3 2 -15 2 -35
-31 -84 -75 -2 45 222
Net Cash Flow -14 4 -10 7 1 10

Ratios

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Debtor Days 0 0 0 0 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 0 0 0 0 0 0
Working Capital Days 1,280 971 72 54 79 32 32 74
ROCE % 16% 16% 14% 10% 12% 13% 14%

Shareholding Pattern

Numbers in percentages

3 Recently
Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
41.57% 41.57% 41.57% 41.24% 41.24% 41.20%
5.76% 3.49% 1.07% 0.77% 0.75% 0.57%
3.16% 3.11% 3.11% 2.99% 2.86% 2.81%
49.51% 51.82% 54.24% 54.99% 55.15% 55.42%
No. of Shareholders 27,04421,23421,78823,70430,59440,981

* 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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Documents

Announcements

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DRHP

Credit ratings

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