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 ₹ 306 Cr.
- Current Price ₹ 7.18
- High / Low ₹ 13.5 / 6.38
- Stock P/E 9.22
- Book Value ₹ 8.96
- Dividend Yield 0.00 %
- ROCE 14.4 %
- ROE 11.0 %
- Face Value ₹ 1.00
Pros
- Stock is trading at 0.80 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
- Company has a low return on equity of 9.57% over last 3 years.
- Working capital days have increased from 43.2 days to 66.1 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
Sector: Finance Industry: Finance & Investments
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|
| 87 | 100 | 87 | 68 | 70 | 73 | 103 | |
| 15 | 17 | 19 | 24 | 22 | 21 | 24 | |
| Operating Profit | 72 | 83 | 68 | 43 | 47 | 52 | 79 |
| OPM % | 82% | 83% | 78% | 64% | 68% | 71% | 77% |
| 2 | 0 | 0 | 0 | 0 | 1 | 0 | |
| Interest | 46 | 56 | 48 | 35 | 28 | 28 | 36 |
| Depreciation | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Profit before tax | 26 | 27 | 19 | 8 | 19 | 24 | 43 |
| Tax % | 32% | 30% | 15% | 46% | 23% | 22% | 22% |
| 18 | 19 | 16 | 4 | 15 | 19 | 33 | |
| EPS in Rs | 4.09 | 0.88 | 0.75 | 0.19 | 0.46 | 0.58 | 0.78 |
| Dividend Payout % | 1% | 0% | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 0% |
| 3 Years: | 15% |
| TTM: | 41% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 12% |
| 3 Years: | 101% |
| TTM: | 84% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | % |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 9% |
| 3 Years: | 10% |
| Last Year: | 11% |
Balance Sheet
Figures in Rs. Crores
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|
| Equity Capital | 4 | 22 | 22 | 22 | 32 | 32 | 43 |
| Reserves | 91 | 89 | 108 | 115 | 173 | 192 | 340 |
| 425 | 399 | 318 | 230 | 178 | 205 | 282 | |
| 15 | 6 | 7 | 7 | 8 | 8 | 11 | |
| Total Liabilities | 535 | 515 | 455 | 374 | 390 | 436 | 675 |
| 6 | 7 | 7 | 6 | 19 | 18 | 19 | |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 1 | 2 | 0 | 0 | 0 | 0 | 1 |
| 528 | 506 | 448 | 368 | 371 | 418 | 655 | |
| Total Assets | 535 | 515 | 455 | 374 | 390 | 436 | 675 |
Cash Flows
Figures in Rs. Crores
| 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 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | |||||||
| Days Payable | |||||||
| Cash Conversion Cycle | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Working Capital Days | 971 | 72 | 54 | 79 | 32 | 32 | 66 |
| ROCE % | 16% | 14% | 10% | 12% | 13% | 14% |
Documents
Announcements
-
Compliances-Reg.24(A)-Annual Secretarial Compliance
22h - Annual Secretarial Compliance Report filed for FY 2024-25 as per SEBI regulations.
-
Announcement under Regulation 30 (LODR)-Monitoring Agency Report
22h - Monitoring Agency confirms full, proper utilization of INR 132 Cr IPO proceeds by Akme Fintrade.
-
Announcement under Regulation 30 (LODR)-Press Release / Media Release
1d - Akme Fintrade reports FY25 AUM Rs.618.61cr, PAT Rs.33.23cr, 79% YoY profit growth.
- Financial Results For The Quarter And Year Ended March 31, 2025 1d
-
Board Meeting Outcome for Outcome Of Board Meeting Held On May 12, 2025.
1d - Akme Fintrade reports audited FY25 financial results with unmodified audit opinion and key financial highlights.
Concalls
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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 2024TranscriptNotesPPT
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%.