360 One Wam Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2026 • Wealth Management: 77.2% • Asset Management: 22.7% • Unallocated: 0.1%
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Company has delivered good profit growth of 26.9% CAGR over last 5 years
- Solid return on assets for a lender - ROA of 4.8%
- Company has a good return on equity (ROE) track record: 3 Years ROE 20.2%
- Company has consistently been profitable over the last 5 years
- Company has delivered good sales growth of 22.0% CAGR over last 5 years
- Operating margins have improved to 61.2% from 54.5%
CONS
- Promoter holding has decreased over last 2 years: -9.6pp
- Free cash flow has been persistently negative
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| MCX | 3275.00 | 54.16 | 83509.83 | 0.24 | 413.44 | 103.47 | 702.00 | 88.10 | 48.10 | 70.40 |
| MOTILALOFS | 1027.05 | 31.24 | 61861.61 | 0.58 | 1273.71 | 9.53 | 3425.76 | 25.49 | 12.68 | 57.49 |
| 360ONE | 1092.20 | 35.27 | 44514.20 | 1.10 | 330.53 | 16.11 | 1226.09 | 26.85 | 12.28 | 63.01 |
| NUVAMA | 1735.60 | 29.56 | 32012.99 | 1.60 | 305.64 | 15.83 | 1376.22 | 22.59 | 17.52 | 52.80 |
| ANGELONE | 305.00 | 27.01 | 27878.11 | 1.33 | 2313.98 | 1921.51 | 14296.91 | 1153.53 | 14.87 | 33.92 |
| CHOICEIN | 758.85 | 71.12 | 16905.39 | 0.00 | 60.61 | 26.37 | 309.79 | 32.46 | 19.43 | 33.83 |
| IIFLCAPS | 338.65 | 18.72 | 10673.53 | 0.89 | 184.16 | 4.92 | 631.48 | 3.13 | 23.27 | 35.76 |
| SHAREINDIA | 199.05 | 11.98 | 4355.72 | 0.80 | 124.41 | 47.45 | 448.09 | 31.25 | 21.00 | 44.76 |
| ARSSBL | 489.00 | 23.76 | 3083.95 | 1.02 | 23.35 | 2.35 | 246.10 | 22.37 | 19.72 | 39.54 |
| MONARCH | 373.25 | 16.34 | 2960.18 | 0.27 | 45.18 | -0.15 | 90.89 | -7.25 | 33.26 | 66.00 |
| GEOJITFSL | 78.34 | 30.15 | 2186.64 | 1.91 | 19.83 | -30.83 | 160.40 | 7.46 | 9.35 | 20.55 |
| ALGOQUANT | 64.67 | 40.01 | 1817.85 | 0.00 | 164.80 | 3610.04 | 778.70 | 1328.81 | 33.57 | 33.64 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 536 | 550 | 630 | 791 | 849 | 811 | 780 | 876 | 967 | 1,054 | 1,181 | 1,115 | 1,226 | |
| 220 | 237 | 255 | 505 | 272 | 324 | 336 | 360 | 346 | 401 | 456 | 452 | 850 | |
| Operating Profit | 316 | 313 | 375 | 286 | 402 | 541 | 444 | 516 | 621 | 714 | 725 | 663 | 773 |
| OPM % | 58.97% | 56.99% | 59.53% | 36.18% | 47.28% | 66.69% | 56.90% | 58.95% | 64.25% | 67.71% | 61.40% | 59.46% | 63.01% |
| Other Income | 44 | 73 | 41 | 260 | 86 | 28 | 154 | 46 | 13 | -7 | 39 | 54 | 47 |
| Interest | 124 | 146 | 167 | 207 | 214 | 232 | 222 | 218 | 229 | 254 | 296 | 312 | 354 |
| Depreciation | 13 | 14 | 14 | 17 | 16 | 17 | 17 | 20 | 32 | 39 | 41 | 43 | 42 |
| 224 | 227 | 235 | 323 | 345 | 319 | 359 | 324 | 374 | 413 | 427 | 363 | 424 | |
| Tax % | 18.00% | 18.01% | 18.26% | 24.86% | 29.28% | 23.07% | 22.95% | 23.03% | 23.84% | 23.69% | 23.36% | 20.37% | 21.95% |
| Net Profit | 0 | 0 | 0 | 0 | 244 | 245 | 276 | 250 | 285 | 315 | 327 | 289 | 331 |
| 5 | 5 | 5 | 7 | 7 | 7 | 7 | 6 | 7 | 8 | 8 | 7 | 1 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1,049 | 1,659 | 1,551 | 1,470 | 1,612 | 1,851 | 1,903 | 2,506 | 3,371 | 4,362 | 4,577 | |
| 474 | 692 | 605 | 672 | 718 | 931 | 866 | 1,216 | 1,492 | 1,691 | 2,159 | |
| Operating Profit | 575 | 967 | 946 | 798 | 894 | 920 | 1,037 | 1,290 | 1,879 | 2,670 | 2,418 |
| OPM % | 54.81% | 58.30% | 61.01% | 54.32% | 55.47% | 49.69% | 54.48% | 51.48% | 55.73% | 61.22% | 52.83% |
| 46 | 96 | 44 | 31 | 47 | 243 | 259 | 418 | 426 | 152 | 132 | |
| Interest | 249 | 559 | 431 | 502 | 414 | 370 | 399 | 643 | 887 | 1,090 | 1,216 |
| Depreciation | 9 | 14 | 22 | 41 | 43 | 42 | 46 | 57 | 71 | 155 | 165 |
| Profit before Tax | 363 | 490 | 538 | 286 | 485 | 751 | 850 | 1,009 | 1,347 | 1,577 | 1,627 |
| Tax % | 31.00% | 22.43% | 30.37% | 29.77% | 23.87% | 23.10% | 22.63% | 20.26% | 24.62% | 22.87% | 22.41% |
| Net Profit | 250 | 380 | 375 | 201 | 369 | 578 | 658 | 804 | 1,015 | 1,216 | 1,262 |
| EPS | 30.59 | 46.51 | 43.37 | 22.83 | 41.76 | 16.02 | 18.12 | 22.41 | 25.83 | 29.95 | — |
| Dividend Payout % | 17.74% | 18.88% | 22.56% | 86.64% | 166.63% | 84.44% | 186.73% | 73.64% | 23.23% | 40.07% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 23%
- 5 Years:
- 22%
- 3 Years:
- 32%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 22%
- 5 Years:
- 27%
- 3 Years:
- 23%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- 21%
- 3 Years:
- 26%
- 1 Year:
- 3%
RETURN ON EQUITY
- 10 Years:
- 18%
- 5 Years:
- 21%
- 3 Years:
- 20%
- Last Year:
- 15%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 16 | 16 | 17 | 17 | 18 | 18 | 36 | 36 | 39 | 41 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 0 | 0 | 0 |
| 1,509 | 1,839 | 2,884 | 2,949 | 2,746 | 2,930 | 2,995 | 3,290 | 6,849 | 8,905 | |
| 5,681 | 7,100 | 6,347 | 9,149 | 5,104 | 5,825 | 6,784 | 9,531 | 11,284 | 15,934 | |
| Trade Payables | 25 | 125 | 51 | 69 | 88 | 176 | 136 | 161 | 203 | 251 |
| 589 | 470 | 464 | 836 | 783 | 1,785 | 1,236 | 2,097 | 1,394 | 2,068 | |
| Total Liabilities | 7,819 | 9,550 | 9,763 | 13,021 | 8,739 | 10,734 | 11,191 | 15,114 | 19,768 | 27,199 |
| 53 | 31 | 337 | 608 | 837 | 816 | 880 | 940 | 1,281 | 3,969 | |
| Capital Work in Progress | 3 | 22 | 173 | 1 | 2 | 0 | 0 | 0 | 0 | 0 |
| 1,934 | 1,111 | 3,053 | 6,512 | 2,513 | 4,072 | 3,609 | 5,948 | 7,608 | 8,842 | |
| 0 | 0 | 20 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 328 | 443 | 504 | |
| Cash & Bank | 1,275 | 745 | 277 | 1,179 | 838 | 1,022 | 726 | 638 | 1,092 | 1,018 |
| 4,554 | 7,641 | 5,903 | 4,721 | 4,548 | 4,823 | 5,976 | 7,261 | 9,344 | 12,866 | |
| Total Assets | 7,819 | 9,550 | 9,763 | 13,021 | 8,739 | 10,734 | 11,191 | 15,114 | 19,768 | 27,199 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -3,343 | -2,250 | 2,358 | 2,174 | 888 | 1,520 | -440 | 962 | -501 | -274 | |
| Cash from Investing | -1,157 | 1,073 | -2,133 | -3,361 | 4,128 | -1,128 | 777 | -1,575 | -992 | -1,613 |
| Cash from Financing | 5,350 | 1,263 | -80 | 2,290 | -4,836 | 251 | 556 | 1,978 | 3,749 | 4,357 |
| 743 | -437 | -362 | 557 | -245 | 52 | 10 | -67 | 295 | -177 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-09 - 360 ONE WAM LIMITED has informed the Exchange about ESG Rating
2026-09-02 - 360 ONE WAM LIMITED has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on September 02, 2026. Further, the company has informed the Exchange regarding voting results.
2026-09-02 - 360 ONE WAM LIMITED has informed the Exchange regarding Proceedings of Annual General Meeting held on September 02, 2026
2026-08-28 - 360 ONE WAM LIMITED has informed regarding Disclosure of material events with respect to subsidiaries of the Company under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015
2026-08-24 - 360 ONE WAM LIMITED has informed the Exchange about Schedule of Analysts / Institutional Investor Meeting(s).
2026-08-24 - 360 ONE WAM LIMITED has informed the Exchange about Schedule of Analysts / Institutional Investor Meeting(s).
2026-08-24 - 360 ONE WAM LIMITED has informed the Exchange about Schedule of Analysts / Institutional Investor Meeting(s).
2026-08-24 - 360 ONE WAM LIMITED has informed the Exchange about Schedule of Analysts / Institutional Investor Meeting(s).
2026-08-24 - 360 ONE WAM LIMITED has informed the Exchange about Schedule of Analysts / Institutional Investor Meeting(s).
News
Recent coverage and analyst commentary for 360ONE
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360 One Wam Ltd.
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