Abans Financial Services Ltd.

•

abansfinserv.comBSE: 543712NSE: AFSL

Market Cap₹ 1,033 Cr.

Current Price

High / Low₹ 227 / 194

Stock P/E8.0

Book Value₹ 251

Price to Book0.84

Dividend Yield0.00 %

ROCE8.3 %

ROE9.3 %

Face Value₹ 2

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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 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

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

Financial ServicesFinanceFinance - NBFC

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

S.No.	Name
1.	BAJFINANCE	1034.20	31.71	643888.19	0.58	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1028.00	21.37	241893.03	1.05	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1845.00	27.40	157575.18	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.80	28.50	154003.85	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	230.00	73.49	151872.26	0.26	8302.50	2457.29	20044.70	3172.82	2.11	69.71
6.	BAJAJHLDNG	11120.70	13.97	123766.17	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2794.40	9.86	112186.35	1.07	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	398.60	26.59	109118.68	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	309.50	24.37	77571.61	0.89	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	656.05	27.44	62432.55	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	668.65	25.53	55549.10	0.60	785.20	38.31	4937.90	18.71	9.09	57.98
12.	AFSL	201.65	8.05	1032.80	0.00	65.85	101.43	3712.76	96.05	8.31	2.68

Detailed Comparison with:

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

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	72.09	72.02	71.50	71.48	71.47	71.43	71.36	71.36	71.11
	10.42	11.07	12.86	15.11	15.70	16.14	17.03	19.02	20.71
	0.01	0.01	0.01	0.01	0.05	0.00	0.00	0.00	0.00
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	17.49	16.90	15.63	13.40	12.78	12.43	11.61	9.62	8.18

Documents

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

2026-09-11

Shareholders meeting

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

Shareholders meeting

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

ESOP/ESOS/ESPS

2026-09-10 - Allotment of Equity Shares pursuant to Abans Financial Services Limited (Formerlyknown as Abans Holdings Limited) ESOP Scheme 2023

2026-09-07

Trading Plan under PIT

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

Trading Plan under PIT

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

2026-08-20 - Copy of Newspaper Publication relating to dispatch of the Notice of 17th Annual General Meeting of the Company

2026-08-19

General Updates

2026-08-19 - Letter To The Shareholders - Annual Report FY 2025-26

2026-08-19

Shareholders meeting

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

Copy of Newspaper Publication

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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Free 5nance Account

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

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

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%

Interest

Depreciation

Profit before Tax

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

-4

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

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

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%

Interest

Depreciation

Profit before Tax

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

109

105

138

EPS

24607.76

26023.63

0.00

9.88

13.34

14.84

16.30

20.15

19.01

—

Dividend Payout %

0.00%

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Equity Capital

Minority Interest

185

105

102

133

370

497

553

622

817

905

1,038

1,198

195

419

319

268

441

929

834

753

Trade Payables

165

217

138

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

570

1,007

974

1,314

221

331

Cash & Bank

108

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

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

-45

-92

-122

153

217

-119

505

Cash from Investing

-58

-21

-14

-3

-38

-463

-447

210

-278

Cash from Financing

185

-181

418

403

-150

-13

-33

-4

125

-70

166

-11

-58

214

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

72.09

72.02

71.50

71.48

71.47

71.43

71.36

71.11

10.42

11.07

12.86

15.11

15.70

16.14

17.03

19.02

20.71

0.01

0.05

0.00

Government

0.00

17.49

16.90

15.63

13.40

12.78

12.43

11.61

9.62

8.18

Abans Financial Services 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

Abans Financial Services 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