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Abans Financial Services Ltd.

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abansfinserv.comBSE: 543712NSE: AFSL
Market Cap₹ 1,033 Cr.
Current Price
High / Low₹ 227 / 194
Stock P/E62.6
Book Value₹ 29
Price to Book7.33
Dividend Yield0.00 %
ROCE3.0 %
ROE3.4 %
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 829.9% YoY, showing strong momentum
  • Institutional investors have been accumulating - FII+DII up 5.0pp
  • Attractively priced for its growth - PEG of 1.0

CONS

  • Recent results are weak - TTM profit is down 46.6% versus prior year
  • Company has a low return on capital employed of 3.1%
  • Company has a low return on equity of 3.3% over last 3 years
  • Operating margins have contracted to 35.4% from 88.8%
  • Stock is trading at 7.3x its book value

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.BAJFINANCE1034.2031.71643888.190.586080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1028.0021.37241893.031.053452.7759.9013400.4317.4611.4974.63
3.CHOLAFIN1845.0027.40157575.180.111656.2245.568856.2921.899.7070.07
4.TATACAP362.8028.50154003.850.1616281.801464.1688219.301051.008.6675.72
5.JIOFIN230.0073.49151872.260.268302.502457.2920044.703172.822.1169.71
6.BAJAJHLDNG11120.7013.97123766.171.752708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2794.409.86112186.351.072824.8443.088671.6036.2515.8783.76
8.ABCAPITAL398.6026.59109118.680.001223.8543.8512179.54137.848.8241.91
9.LTF309.5024.3777571.610.89915.9930.705212.9222.388.5462.13
10.SBICARD656.0527.4462432.550.38664.4419.515040.557.6011.7529.83
11.HDBFS668.6525.5355549.100.60785.2038.314937.9018.719.0957.98
12.AFSL201.658.051032.800.0065.85101.433712.7696.058.312.68
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
012111121811939
0167142233322-2
Operating Profit0-3-6-0-3-1195-2-17111
OPM %43.75%-27.91%-967.19%-17.74%-249.04%-100.88%89.88%65.05%-248.68%-102.27%78.22%40.59%123.69%
0000000000000
Interest0000000000000
Depreciation0000000000000
Profit before Tax0-3-6-0-3-1195-2-17111
Tax %-209.52%25.15%25.16%26.09%21.92%28.07%25.28%24.55%24.74%21.64%13.30%2.46%8.28%
Net Profit1-3-5-0-2-1144-1-16110
0.13-0.51-0.92-0.03-0.40-0.162.800.74-0.28-0.211.170.242.05

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
001100215311422
0011100241194
Operating Profit-0-0-0-0-002-1020518
OPM %——-0.76%-2.19%-47.63%69.94%88.75%-66.12%65.25%35.41%81.17%
00000000000
Interest00000010000
Depreciation00000000000
Profit before Tax0000001-1020518
Tax %38.93%25.50%27.33%35.38%33.49%28.48%15.46%30.24%25.39%3.71%8.80%
Net Profit0000001-715517
EPS0.852.230.060.010.030.040.22-1.342.960.92—
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:
99%
3 Years:
89%

COMPOUNDED PROFIT GROWTH

10 Years:
—
5 Years:
98%
3 Years:
63%

STOCK PRICE CAGR

10 Years:
—
5 Years:
—
3 Years:
—
1 Year:
-7%

RETURN ON EQUITY

10 Years:
2%
5 Years:
3%
3 Years:
3%
Last Year:
3%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Corporate actions

No bonus data found

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital00039910101010
10101071110195121129
88149990000
Trade Payables0012000000
0000000132333
Total Liabilities181825201919111118155172
0000000001
181824181818106115129159
00000001232
Cash & Bank0000101008
0012015133
Total Assets181825201919111118155172

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
00-000-1-291433
Cash from Investing00-6600-88-9-14-30
Cash from Financing006-60191000
00-000-01-0-02

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
72.0972.0271.5071.4871.4771.4371.3671.3671.11
10.4211.0712.8615.1115.7016.1417.0319.0220.71
0.010.010.010.010.050.000.000.000.00
Government0.000.000.000.000.000.000.000.000.00
17.4916.9015.6313.4012.7812.4311.619.628.18

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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