Akme Fintrade (India) Ltd
Incorporated in 1996, Akme Fintrade (India) Ltd provides specialized retail financing services to the lower-income and middle-income groups[1]
- Market Cap ₹ 314 Cr.
- Current Price ₹ 7.00
- High / Low ₹ 11.3 / 3.92
- Stock P/E 6.81
- Book Value ₹ 10.6
- Dividend Yield 0.00 %
- ROCE 13.9 %
- ROE 10.5 %
- Face Value ₹ 1.00
Pros
- Stock is trading at 0.65 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 is low: 38.9%
- Company has a low return on equity of 10.2% over last 3 years.
- Contingent liabilities of Rs.102 Cr.
- Working capital days have increased from 66.8 days to 94.7 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)
Part of BSE Financial Services
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|
| 45 | 87 | 100 | 87 | 68 | 70 | 73 | 102 | 149 | 170 | |
| Revenue growth | +91% | +15% | -14% | -22% | +3% | +5% | +41% | +45% | +37% | |
| Interest | 23 | 46 | 56 | 48 | 35 | 28 | 28 | 36 | 56 | 69 |
| 8 | 15 | 17 | 19 | 24 | 22 | 21 | 24 | 38 | 43 | |
| Financing Profit | 14 | 25 | 28 | 20 | 8 | 19 | 24 | 43 | 55 | 58 |
| Financing Margin % | 32% | 29% | 27% | 23% | 12% | 28% | 32% | 42% | 37% | 34% |
| 1 | 2 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | |
| Depreciation | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Profit before tax | 15 | 26 | 27 | 19 | 8 | 19 | 24 | 43 | 54 | 56 |
| Tax % | 28% | 32% | 30% | 15% | 46% | 23% | 22% | 22% | 22% | |
| 11 | 18 | 19 | 16 | 4 | 15 | 19 | 33 | 42 | 46 | |
| EPS in Rs | 0.46 | 0.73 | 0.78 | 0.66 | 0.17 | 0.46 | 0.58 | 0.78 | 0.99 | 1.06 |
| Dividend Payout % | 0% | 1% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 11% |
| 3 Years: | 29% |
| TTM: | 37% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 21% |
| 3 Years: | 43% |
| TTM: | 28% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | -8% |
| 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 | Sep 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 4 | 4 | 22 | 22 | 22 | 32 | 32 | 43 | 43 | 45 |
| Reserves | 62 | 91 | 89 | 108 | 115 | 173 | 192 | 340 | 381 | 430 |
| Borrowing | 328 | 425 | 399 | 318 | 230 | 178 | 205 | 282 | 503 | 590 |
| 5 | 15 | 6 | 7 | 7 | 8 | 8 | 11 | 7 | 9 | |
| Total Liabilities | 399 | 535 | 515 | 455 | 374 | 390 | 436 | 675 | 934 | 1,074 |
| 5 | 6 | 7 | 7 | 6 | 19 | 18 | 19 | 26 | 35 | |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 1 | 1 | 2 | 0 | 0 | 0 | 0 | 1 | 4 | 8 |
| 393 | 528 | 506 | 448 | 368 | 371 | 418 | 655 | 904 | 1,032 | |
| Total Assets | 399 | 535 | 515 | 455 | 374 | 390 | 436 | 675 | 934 | 1,074 |
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 |
Ratios
| 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 2016 | Mar 2017 | Mar 2018 | Sep 2019 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets Under Management (AUM) ₹ Cr |
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| Disbursements ₹ Cr |
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| Number of Branches count |
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| Number of States of Operation count |
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| Number of Live Loan Accounts count |
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| SME/LAP Loan AUM ₹ Cr |
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| Vehicle Loan AUM ₹ Cr |
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| New Loans Disbursed count |
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Extracted by Screener AI
Documents
Announcements
- Disclosures under Reg. 31(1) and 31(2) of SEBI (SAST) Regulations, 2011.
- Disclosures under Reg. 31(1) and 31(2) of SEBI (SAST) Regulations, 2011.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
- Akme Fintrade (India) Limited has informed about Copy of Newspaper Publication.
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Announcement under Regulation 30 (LODR)-Press Release / Media Release
- Akme Fintrade H1 FY27 PAT rose 19% to Rs 23.49 crore; AUM crossed Rs 1,039.35 crore.
-
Related Party Transaction Statement For Half Year Ended September 30, 2026
- Board approved Q2 FY27 results; 2.12 crore shares allotted on warrant conversion, 20 lakh warrants lapsed.
Annual reports
-
Annual Report 2026
from bse
-
Annual Report 2025
from bse
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Annual Report 2024
from bse
Concalls
-
Nov 2025PPT
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May 2025PPT
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Feb 2025Transcript PPT
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Nov 2024Transcript PPT
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Jul 2024Transcript PPT
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Jul 2024PPT
Business Overview:[1][2]
AFIL is an RBI-registered Non-Banking Financial Company (NBFC) engaged in vehicle financing and MSME/business lending, catering primarily to customers in rural and semi-urban markets with limited access to traditional banking services. Serving over 2.25 lakh customers, the Company enables asset creation and business growth through tailored credit solutions.