Advik Capital Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2025 • Loans: 80.3% • Trade in Securities: 19.2% • Manufacturing Division: 0.4%
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
- Asset quality is healthy - gross NPA of just 0.0%
- Solid return on assets for a lender - ROA of 2.0%
- Operating margins have improved to 75.6% from 2.3%
- Company has delivered good sales growth of 30.9% CAGR over last 5 years
- Company has consistently been profitable over the last 5 years
CONS
- Capital adequacy is tight at 0.0% - limited headroom to grow
- Equity base is being diluted - shares outstanding up 1226.5%
- Free cash flow has been persistently negative
- Thin net interest margin of 0.0%
- Though reporting repeated profits, the company pays out little dividend (0.0%)
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1034.20 | 31.71 | 643888.19 | 0.58 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1028.00 | 21.37 | 241893.03 | 1.05 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1845.00 | 27.40 | 157575.18 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 362.80 | 28.50 | 154003.85 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 230.00 | 73.49 | 151872.26 | 0.26 | 8302.50 | 2457.29 | 20044.70 | 3172.82 | 2.11 | 69.71 |
| BAJAJHLDNG | 11120.70 | 13.97 | 123766.17 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2794.40 | 9.86 | 112186.35 | 1.07 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 398.60 | 26.59 | 109118.68 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 309.50 | 24.37 | 77571.61 | 0.89 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 656.05 | 27.44 | 62432.55 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 668.65 | 25.53 | 55549.10 | 0.60 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| ADVIKCA | 1.02 | 0.00 | 62.07 | 0.00 | -1.19 | -347.40 | 4.15 | -44.04 | 8.44 | 101.78 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 153 | 157 | 210 | 1 | 6 | 4 | 13 | 7 | 7 | 6 | -3 | -9 | 4 | |
| 150 | 154 | 207 | 1 | 1 | 2 | 4 | 1 | 2 | 2 | 20 | -3 | 5 | |
| Operating Profit | 2 | 3 | 3 | -0 | 5 | 2 | 9 | 5 | 5 | 4 | -22 | -6 | -1 |
| OPM % | 1.64% | 1.90% | 1.49% | -11.84% | 86.05% | 58.97% | 72.58% | 80.98% | 67.34% | 73.19% | 794.70% | 68.08% | -28.86% |
| 0 | 6 | -0 | 3 | 0 | -0 | 5 | -4 | 0 | 0 | 0 | 1 | 0 | |
| Interest | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 4 | 3 | 4 | 4 | 3 | 5 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | 1 | 7 | 1 | 0 | 3 | -0 | 11 | -3 | 1 | 0 | -26 | -5 | -1 |
| Tax % | 30.69% | 7.69% | 59.13% | 627.78% | 22.95% | -1100.00% | 31.50% | 60.26% | 64.96% | -490.00% | 20.18% | 50.88% | -0.00% |
| Net Profit | 0 | 0 | 0 | -1 | 2 | -0 | 7 | -1 | 0 | 1 | -21 | -2 | -1 |
| 0.03 | 0.28 | 0.01 | -0.05 | 0.06 | 0.00 | 0.15 | -0.02 | 0.01 | 0.01 | -0.34 | -0.04 | -0.02 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 3 | 7 | 3 | 5 | 7 | 6 | 46 | 604 | 13 | 29 | -2 | |
| 3 | 7 | 2 | 4 | 7 | 6 | 46 | 588 | 4 | 7 | 24 | |
| Operating Profit | 0 | 1 | 1 | 0 | 1 | 0 | 1 | 16 | 9 | 22 | -26 |
| OPM % | 8.55% | 8.66% | 24.11% | 6.10% | 6.70% | 7.71% | 2.05% | 2.64% | 65.92% | 75.60% | 1347.39% |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9 | 1 | 2 | |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 8 | 11 | 15 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 |
| Profit before Tax | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 13 | 9 | 11 | -32 |
| Tax % | 68.97% | 18.07% | 54.49% | 32.07% | 34.03% | 26.46% | 25.14% | 27.11% | 29.24% | 22.96% | 25.47% |
| Net Profit | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9 | 6 | 8 | -24 |
| EPS | 0.03 | 0.15 | 0.02 | 0.03 | 0.02 | 0.02 | 0.01 | 0.42 | 0.15 | 0.14 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 29%
- 5 Years:
- 31%
- 3 Years:
- -15%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 53%
- 5 Years:
- 138%
- 3 Years:
- 166%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- —
RETURN ON EQUITY
- 10 Years:
- 5%
- 5 Years:
- 9%
- 3 Years:
- 14%
- Last Year:
- 6%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 5 | 5 | 6 | 6 | 6 | 5 | 5 | 22 | 43 | 61 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 0 |
| 4 | 4 | 5 | 6 | 6 | 5 | 5 | 37 | 70 | 104 | |
| 3 | 4 | 1 | 1 | 2 | 2 | 5 | 75 | 79 | 153 | |
| Trade Payables | 0 | 2 | 1 | 0 | 1 | 1 | 1 | 3 | 0 | 0 |
| 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 8 | 12 | |
| Total Liabilities | 13 | 15 | 14 | 13 | 16 | 14 | 17 | 139 | 201 | 330 |
| 3 | 3 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | |
| 0 | 0 | 1 | 1 | 1 | 0 | 0 | 14 | 25 | 24 | |
| 1 | 2 | 2 | 2 | 3 | 3 | 4 | 4 | 3 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Cash & Bank | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 |
| 8 | 11 | 8 | 8 | 9 | 9 | 11 | 118 | 169 | 302 | |
| Total Assets | 13 | 15 | 14 | 13 | 16 | 14 | 17 | 139 | 201 | 330 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | 1 | 1 | -1 | -0 | -2 | -88 | -52 | -112 | |
| Cash from Investing | -0 | 1 | -1 | -0 | -0 | -0 | -0 | -27 | 7 | -8 |
| Cash from Financing | 0 | 1 | -0 | -0 | 1 | 0 | 2 | 116 | 45 | 120 |
| -0 | 0 | -1 | -0 | 0 | 0 | 0 | 1 | -0 | -0 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
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News
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Advik Capital Ltd.
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