Abans Financial Services Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2026 • Internal Treasury Operations: 99.1% • Agency Business: 0.8% • Lending Activities: 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
- Solid return on assets for a lender - ROA of 2.8%
- Latest quarter profit grew 101.4% YoY, showing strong momentum
- Company has delivered good sales growth of 78.3% CAGR over last 5 years
- Company has consistently been profitable over the last 5 years
- Institutional investors have been accumulating - FII+DII up 5.0pp
- Company generates healthy free cash flow
CONS
- Company has a low return on capital employed of 9.4%
- Operating margins have contracted to 0.7% from 7.4%
- 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 |
| AFSL | 201.65 | 8.05 | 1032.80 | 0.00 | 65.85 | 101.43 | 3712.76 | 96.05 | 8.31 | 2.68 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 255 | 365 | 506 | 252 | 296 | 641 | 1,280 | 1,063 | 1,894 | 6,832 | 6,495 | 8,708 | 3,713 | |
| 218 | 327 | 468 | 215 | 252 | 595 | 1,228 | 1,016 | 1,842 | 6,784 | 6,451 | 8,693 | 3,627 | |
| Operating Profit | 37 | 39 | 38 | 37 | 44 | 46 | 52 | 48 | 51 | 48 | 44 | 16 | 86 |
| OPM % | 14.41% | 10.56% | 7.59% | 14.63% | 14.75% | 7.23% | 4.05% | 4.47% | 2.71% | 0.70% | 0.67% | 0.18% | 2.31% |
| 0 | 0 | 1 | 0 | 0 | 1 | 0 | 1 | 2 | 2 | 1 | 1 | 1 | |
| Interest | 13 | 14 | 13 | 12 | 15 | 12 | 17 | 15 | 12 | 9 | 9 | 12 | 13 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 |
| Profit before Tax | 24 | 25 | 26 | 25 | 29 | 35 | 35 | 33 | 41 | 40 | 36 | 4 | 86 |
| Tax % | 13.56% | 5.81% | 7.70% | 16.16% | 16.32% | 21.93% | 23.63% | 9.37% | 20.54% | -5.82% | 4.24% | 188.28% | 23.78% |
| Net Profit | 0 | 0 | 0 | 0 | 24 | 27 | 27 | 30 | 33 | 42 | 34 | -4 | 66 |
| 4.16 | 4.66 | 4.76 | 4.22 | 4.83 | 5.46 | 5.36 | 5.96 | 6.46 | 8.27 | 6.78 | -0.73 | 12.20 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 267 | 968 | 4,371 | 2,765 | 1,326 | 639 | 1,163 | 1,380 | 3,281 | 23,874 | 25,747 | |
| 228 | 924 | 4,321 | 2,675 | 1,250 | 554 | 1,078 | 1,228 | 3,091 | 23,715 | 25,555 | |
| Operating Profit | 39 | 44 | 51 | 90 | 75 | 84 | 85 | 152 | 190 | 158 | 193 |
| OPM % | 14.68% | 4.51% | 1.16% | 3.26% | 5.69% | 13.21% | 7.31% | 11.01% | 5.79% | 0.66% | 0.75% |
| 8 | 5 | 6 | 7 | 6 | 8 | 1 | 0 | 2 | 6 | 4 | |
| Interest | 20 | 20 | 17 | 53 | 31 | 26 | 10 | 52 | 59 | 41 | 42 |
| Depreciation | 1 | 1 | 2 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 3 |
| Profit before Tax | 26 | 28 | 38 | 42 | 49 | 66 | 76 | 100 | 132 | 121 | 166 |
| Tax % | 6.05% | 6.90% | 5.61% | 7.35% | 6.75% | 6.54% | 7.46% | 10.77% | 18.01% | 12.87% | 16.65% |
| Net Profit | 25 | 26 | 36 | 39 | 46 | 62 | 70 | 89 | 109 | 105 | 138 |
| EPS | 24607.76 | 26023.63 | 0.00 | 0.00 | 9.88 | 13.34 | 14.84 | 16.30 | 20.15 | 19.01 | — |
| 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:
- —
- 5 Years:
- 78%
- 3 Years:
- 174%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- 18%
- 3 Years:
- 14%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- -7%
RETURN ON EQUITY
- 10 Years:
- 13%
- 5 Years:
- 10%
- 3 Years:
- 10%
- Last Year:
- 9%
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 | 0 | 0 | 0 | 3 | 9 | 9 | 10 | 10 | 10 | 10 |
| Minority Interest | 6 | 185 | 46 | 90 | 98 | 105 | 78 | 82 | 91 | 102 |
| 102 | 133 | 370 | 497 | 553 | 622 | 817 | 905 | 1,038 | 1,198 | |
| 195 | 50 | 419 | 319 | 268 | 86 | 441 | 929 | 834 | 753 | |
| Trade Payables | 61 | 61 | 165 | 217 | 54 | 138 | 80 | 40 | 47 | 46 |
| 32 | 51 | 86 | 87 | 200 | 250 | 438 | 930 | 1,039 | 792 | |
| Total Liabilities | 395 | 478 | 1,085 | 1,213 | 1,182 | 1,210 | 1,863 | 2,896 | 3,060 | 2,901 |
| 15 | 21 | 27 | 21 | 20 | 20 | 19 | 21 | 22 | 33 | |
| 0 | 0 | 36 | 47 | 60 | 97 | 570 | 1,007 | 974 | 1,314 | |
| 13 | 42 | 68 | 29 | 23 | 60 | 61 | 56 | 20 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 221 | 331 | 37 | |
| Cash & Bank | 54 | 50 | 108 | 84 | 209 | 142 | 351 | 278 | 319 | 608 |
| 313 | 366 | 845 | 1,031 | 870 | 891 | 862 | 1,314 | 1,394 | 908 | |
| Total Assets | 395 | 478 | 1,085 | 1,213 | 1,182 | 1,210 | 1,863 | 2,896 | 3,060 | 2,901 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -45 | -92 | -122 | 20 | 65 | 153 | 217 | 33 | -119 | 505 | |
| Cash from Investing | -58 | 48 | -21 | -14 | -3 | -38 | -463 | -447 | 210 | -278 |
| Cash from Financing | 72 | 41 | 185 | 22 | 66 | -181 | 418 | 403 | -150 | -13 |
| -33 | -4 | 38 | 26 | 125 | -70 | 166 | -11 | -58 | 214 |
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
2026-09-11 - Abans Financial Services Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on September 10, 2026. Further, the company has informed the Exchange regarding voting results.
2026-09-10 - Abans Financial Services Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on September 10, 2026
2026-09-10 - Allotment of Equity Shares pursuant to Abans Financial Services Limited (Formerlyknown as Abans Holdings Limited) ESOP Scheme 2023
2026-09-07 - Abans Financial Services Limited has informed the Exchange regarding Trading Plan pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
2026-08-26 - Abans Financial Services Limited has informed the Exchange regarding Trading Plan pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
2026-08-20 - Copy of Newspaper Publication relating to dispatch of the Notice of 17th Annual General Meeting of the Company
2026-08-19 - Letter To The Shareholders - Annual Report FY 2025-26
2026-08-19 - Abans Financial Services Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 10, 2026
2026-08-15 - Newspaper Advertisement in connection with information regarding 17th Annual General Meeting (AGM) to be held on September 10, 2026, through Video Conferencing (VC)/Other Audio Visual Means (OAVM)
News
Recent coverage and analyst commentary for AFSL
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Abans Financial Services Ltd.
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