Akme Fintrade (India) Ltd.
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ABOUT
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 21.0% CAGR over last 5 years
- Comfortable capital adequacy - CAR of 46.2%
- Solid return on assets for a lender - ROA of 5.3%
- Operating margins have improved to 74.7% from 68.1%
- Attractively priced for its growth - PEG of 0.2
CONS
- Promoter holding has decreased over last 2 years: -2.5pp
- Free cash flow has been persistently negative
- Equity base is being diluted - shares outstanding up 34.7%
- 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 | 1060.50 | 32.52 | 660262.45 | 0.57 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1041.00 | 21.64 | 244945.59 | 1.04 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| TATACAP | 375.00 | 29.46 | 159182.59 | 0.15 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 239.85 | 76.64 | 158376.35 | 0.25 | 8302.50 | 2457.29 | 20044.70 | 3172.82 | 2.11 | 69.71 |
| CHOLAFIN | 1839.00 | 27.31 | 157062.74 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| BAJAJHLDNG | 11148.75 | 14.01 | 124078.35 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2920.00 | 10.31 | 117228.79 | 1.03 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 404.80 | 27.00 | 110815.96 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 314.00 | 24.73 | 78699.47 | 0.88 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 657.90 | 27.52 | 62608.60 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 682.25 | 26.05 | 56678.94 | 0.59 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| AFIL | 9.25 | 9.36 | 414.35 | 0.00 | 11.57 | 20.44 | 41.77 | 31.94 | 13.87 | 76.39 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 15 | 17 | 20 | 19 | 19 | 24 | 27 | 29 | 32 | 34 | 38 | 42 | 42 | |
| 6 | 5 | 6 | 4 | 4 | 6 | 7 | 6 | 8 | 8 | 9 | 13 | 28 | |
| Operating Profit | 11 | 12 | 14 | 16 | 17 | 18 | 21 | 23 | 24 | 27 | 30 | 30 | 32 |
| OPM % | 69.69% | 70.17% | 70.90% | 86.65% | 90.26% | 75.41% | 77.22% | 80.48% | 74.57% | 80.01% | 79.73% | 72.12% | 76.39% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 6 | 7 | 8 | 8 | 8 | 8 | 9 | 11 | 11 | 13 | 16 | 16 | 17 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 4 | 5 | 6 | 9 | 9 | 10 | 12 | 12 | 12 | 14 | 14 | 14 | 14 | |
| Tax % | 26.04% | 26.07% | 9.39% | 26.86% | 5.49% | 19.31% | 24.83% | 36.10% | 20.56% | 28.49% | 26.57% | 10.37% | 18.18% |
| Net Profit | 3 | 4 | 6 | 6 | 9 | 8 | 9 | 8 | 10 | 10 | 10 | 12 | 12 |
| 1 | 1 | 1 | 2 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|
| 99 | 86 | 68 | 70 | 73 | 102 | 149 | 156 | |
| 18 | 20 | 24 | 22 | 21 | 24 | 38 | 57 | |
| Operating Profit | 81 | 66 | 43 | 47 | 52 | 79 | 111 | 99 |
| OPM % | 81.80% | 76.24% | 64.03% | 68.05% | 71.22% | 77.00% | 74.68% | 63.40% |
| 2 | 2 | 0 | 0 | 1 | 0 | 0 | 0 | |
| Interest | 56 | 48 | 35 | 28 | 28 | 36 | 56 | 63 |
| Depreciation | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Profit before Tax | 26 | 19 | 8 | 19 | 24 | 43 | 54 | 56 |
| Tax % | 30.11% | 15.11% | 45.70% | 22.65% | 22.00% | 22.51% | 21.61% | 20.98% |
| Net Profit | 18 | 16 | 4 | 15 | 19 | 33 | 42 | 44 |
| EPS | 7.57 | 6.68 | 1.68 | 5.38 | 5.85 | 7.79 | 0.99 | — |
| Dividend Payout % | 5.87% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- 12%
- 3 Years:
- 29%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- 21%
- 3 Years:
- 43%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- 33%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- 8%
- 3 Years:
- 10%
- Last Year:
- 11%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| Equity Capital | 22 | 22 | 22 | 32 | 32 | 43 | 43 |
| 88 | 108 | 115 | 173 | 192 | 331 | 373 | |
| 399 | 318 | 230 | 178 | 205 | 282 | 503 | |
| 5 | 5 | 6 | 6 | 5 | 18 | 14 | |
| Total Liabilities | 515 | 453 | 373 | 389 | 433 | 674 | 933 |
| 7 | 7 | 6 | 19 | 18 | 19 | 26 | |
| 2 | 0 | 0 | 0 | 0 | 1 | 4 | |
| Cash & Bank | 10 | 13 | 2 | 10 | 10 | 55 | 95 |
| 495 | 433 | 365 | 360 | 405 | 598 | 808 | |
| Total Assets | 515 | 453 | 373 | 389 | 433 | 674 | 933 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| 29 | 89 | 66 | 28 | -45 | -177 | -167 | |
| Cash from Investing | -2 | 3 | 2 | -15 | 2 | -35 | -22 |
| Cash from Financing | -33 | -84 | -75 | -2 | 45 | 222 | 216 |
| -14 | 4 | -10 | 7 | 1 | 10 | 27 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| PER SHARE | |||||||
| EPS (₹) | 8.52 | 7.47 | 1.89 | 4.58 | 5.85 | 7.79 | 0.99 |
| Book Value (₹) | 50.78 | 59.71 | 62.73 | 64.63 | 70.48 | 87.53 | 9.73 |
| Dividend per Share (₹) | 0.50 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash EPS (₹) | 0.79 | 0.69 | 0.20 | 0.48 | 0.60 | 0.79 | 1.02 |
| PROFITABILITY | |||||||
| Operating Margin % | 83.94% | 78.80% | 64.12% | 68.13% | 71.22% | 77.00% | 74.68% |
| Net Margin % | 18.72% | 18.92% | 6.10% | 20.89% | 25.45% | 32.44% | 28.44% |
| ROE % | 16.78% | 13.57% | 3.09% | 8.50% | 8.66% | 11.14% | 10.73% |
| ROCE % | 16.11% | 14.05% | 10.45% | 12.48% | 12.84% | 14.40% | 13.87% |
| 3.59% | 3.37% | 1.00% | 3.81% | 4.51% | 6.00% | 5.27% | |
| EFFICIENCY | |||||||
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| FINANCIAL HEALTH | |||||||
| Debt to Equity (x) | 3.63x | 2.44x | 1.68x | 0.87x | 0.92x | 0.75x | 1.21x |
| Interest Coverage (x) | 1.48x | 1.40x | 1.22x | 1.67x | 1.84x | 2.20x | 1.96x |
| 0.28x | 0.28x | 0.21x | 0.22x | 0.26x | 0.60x | 0.66x | |
| GROWTH | |||||||
| Revenue Growth % | 0.00% | -12.63% | -21.67% | 2.98% | 4.75% | 40.70% | 45.27% |
| Operating Profit Growth % | 0.00% | -17.99% | -36.26% | 9.41% | 10.95% | 50.64% | 40.76% |
| Net Profit Growth % | 0.00% | -11.70% | -74.73% | 252.33% | 27.62% | 79.35% | 27.35% |
| 0.00% | 0.00% | 0.00% | 0.00% | 27.62% | 33.12% | -87.27% | |
| VALUATION | |||||||
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.84x | 7.59x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.75x | 0.77x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| 0.00x | 0.00x | 0.00x | 0.00x | 4.30x | 6.40x | 6.55x |
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-08-24 - Akme Fintrade (India) Limited has informed the Exchange about issue of Non Convertible Debentures.
2026-08-18 - Akme Fintrade (India) Limited has informed the Exchange regarding sanction of term loan from Tourism Finance Corporation of India Limited
2026-08-06 - Akme Fintrade (India) Limited has informed the Exchange about Forfeiture of 20,00,000 convertible warrants issued under SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2018.
2026-08-05 - Akme Fintrade (India) Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on August 04, 2026. Further, the company has informed the Exchange regarding voting results.
2026-08-04 - Akme Fintrade (India) Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on August 04, 2026
2026-08-01 - Akme Fintrade (India) Limited has informed the Exchange regarding the sanction of loan from Small Industries Development Bank of India
2026-07-31 - Akme Fintrade (India) Limited has informed the Exchange about General Updates.
2026-07-31 - Akme Fintrade (India) Limited has informed the Exchange about Copy of Newspaper Publication.
2026-07-30 - Akme Fintrade (India) Limited has informed the Exchange regarding a press release dated July 29, 2026, titled "Akme Fintrade (India) Limited AUM crosses Rs. 950 crores in Q1-FY27".
News
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