Akme Fintrade (India) Ltd

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

Akme Fintrade (India) Ltd

₹ 9.22 2.44%
12 May - close price
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 - BE
  • Market Cap ₹ 389 Cr.
  • Current Price ₹ 9.22
  • High / Low ₹ 10.1 / 3.92
  • Stock P/E 9.20
  • Book Value ₹ 9.93
  • Dividend Yield 0.00 %
  • ROCE 13.9 %
  • ROE 10.5 %
  • Face Value ₹ 1.00
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Pros

  • Stock is trading at 0.93 times its book value
  • Company is expected to give good quarter
  • Company has delivered good profit growth of 21.1% CAGR over last 5 years

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last quarter: -1.67%
  • Promoter holding is low: 39.5%
  • Company has a low return on equity of 10.2% 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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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 Sep 2025 Dec 2025 Mar 2026
21 16 17 20 20 21 24 28 29 32 35 40 43
Interest 8 6 7 8 8 8 8 9 11 11 13 16 16
5 6 5 6 4 4 6 7 6 8 8 9 13
Financing Profit 8 4 5 6 9 9 10 12 12 12 14 15 14
Financing Margin % 36% 26% 30% 32% 43% 43% 43% 43% 41% 38% 41% 37% 33%
0 0 0 0 0 0 0 0 0 0 0 0 0
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 8 4 5 6 9 9 10 12 12 12 14 14 14
Tax % 25% 26% 26% 9% 27% 5% 19% 25% 36% 21% 28% 27% 10%
6 3 4 6 6 9 8 9 8 10 10 10 12
EPS in Rs 0.18 0.10 0.11 0.18 0.20 0.20 0.19 0.21 0.18 0.23 0.24 0.24 0.29
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
45 87 100 87 68 70 73 102 149
Interest 23 46 56 48 35 28 28 36 56
8 15 17 19 24 22 21 24 38
Financing Profit 14 25 28 20 8 19 24 43 55
Financing Margin % 32% 29% 27% 23% 12% 28% 32% 42% 37%
1 2 0 0 0 0 1 0 0
Depreciation 0 1 1 1 1 1 1 1 1
Profit before tax 15 26 27 19 8 19 24 43 54
Tax % 28% 32% 30% 15% 46% 23% 22% 22% 22%
11 18 19 16 4 15 19 33 42
EPS in Rs 2.60 4.09 0.88 0.75 0.19 0.46 0.58 0.78 0.99
Dividend Payout % 0% 1% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 11%
3 Years: 29%
TTM: 46%
Compounded Profit Growth
10 Years: %
5 Years: 21%
3 Years: 43%
TTM: 27%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: 24%
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 Mar 2026
Equity Capital 4 4 22 22 22 32 32 43 43
Reserves 62 91 89 108 115 173 192 340 381
Borrowing 328 425 399 318 230 178 205 282 503
5 15 6 7 7 8 8 11 7
Total Liabilities 399 535 515 455 374 390 436 675 934
5 6 7 7 6 19 18 19 26
CWIP 0 0 0 0 0 0 0 0 0
Investments 1 1 2 0 0 0 0 1 4
393 528 506 448 368 371 418 655 904
Total Assets 399 535 515 455 374 390 436 675 934

Cash Flows

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
20 85 63 23 -46 -177 -167
-3 3 2 -15 2 -35 -22
-31 -84 -75 -2 45 222 216
Net Cash Flow -14 4 -10 7 1 10 27
Free Cash Flow 18 85 63 10 -45 -179 -174
CFO/OP 34% 132% 152% 60% -75% -213% -139%

Ratios

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 16% 22% 18% 13% 3% 8% 8% 11% 10%

Insights

In beta
Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2025
Assets Under Management (AUM)
₹ Cr

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Loan Disbursement
₹ Cr
Staff Members
Number
Live Loan Accounts
Number
Number of Branches
Number
Commercial Vehicle Loan AUM
₹ Cr
SME/LAP Loan AUM
₹ Cr
Two-Wheeler Loan AUM
₹ Cr
Customers Served (Cumulative)
Number

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Shareholding Pattern

Numbers in percentages

8 Recently
Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
41.57% 41.57% 41.57% 41.24% 41.24% 41.20% 41.20% 39.53%
5.76% 3.49% 1.07% 0.77% 0.75% 0.57% 0.40% 0.62%
3.16% 3.11% 3.11% 2.99% 2.86% 2.81% 2.81% 1.95%
49.51% 51.82% 54.24% 54.99% 55.15% 55.42% 55.58% 57.88%
No. of Shareholders 27,04421,23421,78823,70430,59440,98143,65740,227

* 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

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