Akme Fintrade (India) Ltd.

•

akmefintrade.comBSE: 544200NSE: AFIL

Market Cap₹ 414 Cr.

Current Price

High / Low₹ 11 / 4

Stock P/E9.4

Book Value₹ 10

Price to Book0.77

Dividend Yield0.00 %

ROCE13.9 %

ROE10.7 %

Face Value₹ 1

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

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.

Confidence

84%

View full sector analysis →

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

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJFINANCE	1060.50	32.52	660262.45	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1041.00	21.64	244945.59	1.04	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	TATACAP	375.00	29.46	159182.59	0.15	16281.80	1464.16	88219.30	1051.00	8.66	75.72
4.	JIOFIN	239.85	76.64	158376.35	0.25	8302.50	2457.29	20044.70	3172.82	2.11	69.71
5.	CHOLAFIN	1839.00	27.31	157062.74	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
6.	BAJAJHLDNG	11148.75	14.01	124078.35	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2920.00	10.31	117228.79	1.03	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	404.80	27.00	110815.96	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	314.00	24.73	78699.47	0.88	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	657.90	27.52	62608.60	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	682.25	26.05	56678.94	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	AFIL	9.25	9.36	414.35	0.00	11.57	20.44	41.77	31.94	13.87	76.39

Detailed Comparison with:

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

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	41.57	41.57	41.57	41.24	41.24	41.20	41.20	39.53	39.02
	5.76	3.49	1.07	0.77	0.75	0.57	0.40	0.62	0.35
	3.16	3.11	3.11	2.99	2.86	2.81	2.81	1.95	1.95
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	49.51	51.84	54.25	55.00	55.15	55.42	55.58	57.90	58.68

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-08-24

Issue of Securities

2026-08-24 - Akme Fintrade (India) Limited has informed the Exchange about issue of Non Convertible Debentures.

2026-08-18

General Updates

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

Forfeiture

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

Shareholders meeting

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

Shareholders meeting

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

General Updates

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

General Updates

2026-07-31 - Akme Fintrade (India) Limited has informed the Exchange about General Updates.

2026-07-31

Copy of Newspaper Publication

2026-07-31 - Akme Fintrade (India) Limited has informed the Exchange about Copy of Newspaper Publication.

2026-07-30

Press Release

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

Recent coverage and analyst commentary for AFIL

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Akme Fintrade (India) Ltd.

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Free 5nance Account

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

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

Operating Profit

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

Interest

Depreciation

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

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

102

149

156

Operating Profit

111

OPM %

81.80%

76.24%

64.03%

68.05%

71.22%

77.00%

74.68%

63.40%

Interest

Depreciation

Profit before Tax

Tax %

30.11%

15.11%

45.70%

22.65%

22.00%

22.51%

21.61%

20.98%

Net Profit

EPS

7.57

6.68

1.68

5.38

5.85

7.79

0.99

—

Dividend Payout %

5.87%

0.00%

—

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Equity Capital

108

115

173

192

331

373

399

318

230

178

205

282

503

Total Liabilities

515

453

373

389

433

674

933

Cash & Bank

495

433

365

360

405

598

808

Total Assets

515

453

373

389

433

674

933

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

-45

-177

-167

Cash from Investing

-2

-15

-35

-22

Cash from Financing

-33

-84

-75

-2

222

216

-14

-10

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

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

Inventory Days

Payable Days

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

0.21x

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%

27.62%

33.12%

-87.27%

VALUATION

P/E (x)

0.00x

0.84x

7.59x

P/B (x)

0.00x

0.75x

0.77x

Dividend Yield %

0.00%

0.00x

4.30x

6.40x

6.55x

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

41.57

41.24

41.20

39.53

39.02

5.76

3.49

1.07

0.77

0.75

0.57

0.40

0.62

0.35

3.16

3.11

2.99

2.86

2.81

1.95

Government

0.00

49.51

51.84

54.25

55.00

55.15

55.42

55.58

57.90

58.68

Akme Fintrade (India) Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

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Akme Fintrade (India) Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI