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 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
| 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 |
| AFSL | 202.10 | 8.01 | 1027.47 | 0.00 | 65.85 | 101.43 | 3712.76 | 96.05 | 8.31 | 2.68 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 12 | 1 | 1 | 1 | 1 | 21 | 8 | 1 | 1 | 9 | 3 | 9 | |
| 0 | 16 | 7 | 1 | 4 | 2 | 2 | 3 | 3 | 3 | 2 | 2 | -2 | |
| Operating Profit | 0 | -3 | -6 | -0 | -3 | -1 | 19 | 5 | -2 | -1 | 7 | 1 | 11 |
| 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% |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | 0 | -3 | -6 | -0 | -3 | -1 | 19 | 5 | -2 | -1 | 7 | 1 | 11 |
| 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 Profit | 1 | -3 | -5 | -0 | -2 | -1 | 14 | 4 | -1 | -1 | 6 | 1 | 10 |
| 0.13 | -0.51 | -0.92 | -0.03 | -0.40 | -0.16 | 2.80 | 0.74 | -0.28 | -0.21 | 1.17 | 0.24 | 2.05 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | 1 | 1 | 0 | 0 | 2 | 15 | 31 | 14 | 22 | |
| 0 | 0 | 1 | 1 | 1 | 0 | 0 | 24 | 11 | 9 | 4 | |
| Operating Profit | -0 | -0 | -0 | -0 | -0 | 0 | 2 | -10 | 20 | 5 | 18 |
| OPM % | — | — | -0.76% | -2.19% | -47.63% | 69.94% | 88.75% | -66.12% | 65.25% | 35.41% | 81.17% |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | 0 | 0 | 0 | 0 | 0 | 0 | 1 | -10 | 20 | 5 | 18 |
| Tax % | 38.93% | 25.50% | 27.33% | 35.38% | 33.49% | 28.48% | 15.46% | 30.24% | 25.39% | 3.71% | 8.80% |
| Net Profit | 0 | 0 | 0 | 0 | 0 | 0 | 1 | -7 | 15 | 5 | 17 |
| EPS | 0.85 | 2.23 | 0.06 | 0.01 | 0.03 | 0.04 | 0.22 | -1.34 | 2.96 | 0.92 | — |
| 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:
- -10%
RETURN ON EQUITY
- 10 Years:
- 2%
- 5 Years:
- 3%
- 3 Years:
- 3%
- Last Year:
- 3%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| 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 |
| 10 | 10 | 10 | 7 | 1 | 1 | 101 | 95 | 121 | 129 | |
| 8 | 8 | 14 | 9 | 9 | 9 | 0 | 0 | 0 | 0 | |
| Trade Payables | 0 | 0 | 1 | 2 | 0 | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 13 | 23 | 33 | |
| Total Liabilities | 18 | 18 | 25 | 20 | 19 | 19 | 111 | 118 | 155 | 172 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | |
| 18 | 18 | 24 | 18 | 18 | 18 | 106 | 115 | 129 | 159 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 23 | 2 | |
| Cash & Bank | 0 | 0 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 8 |
| 0 | 0 | 1 | 2 | 0 | 1 | 5 | 1 | 3 | 3 | |
| Total Assets | 18 | 18 | 25 | 20 | 19 | 19 | 111 | 118 | 155 | 172 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | -0 | 0 | 0 | -1 | -2 | 9 | 14 | 33 | |
| Cash from Investing | 0 | 0 | -6 | 6 | 0 | 0 | -88 | -9 | -14 | -30 |
| Cash from Financing | 0 | 0 | 6 | -6 | 0 | 1 | 91 | 0 | 0 | 0 |
| 0 | 0 | -0 | 0 | 0 | -0 | 1 | -0 | -0 | 2 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | ||||||||||
| EPS (₹) | 0.85 | 2.23 | 17.41 | 0.01 | 0.03 | 0.04 | 0.21 | -1.34 | 2.96 | 0.92 |
| Book Value (₹) | 9712.00 | 9714.23 | 9735.50 | 31.30 | 2.12 | 2.16 | 22.20 | 20.86 | 26.01 | 27.41 |
| Dividend per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash EPS (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.03 | 0.04 | 0.21 | -1.34 | 2.96 | 0.93 |
| PROFITABILITY | ||||||||||
| Operating Margin % | 0.00% | 0.00% | 3.62% | 0.56% | 50.97% | 69.94% | 88.75% | -66.12% | 65.25% | 35.41% |
| Net Margin % | 0.00% | 0.00% | 2.55% | 0.33% | 33.82% | 49.67% | 52.02% | -46.13% | 48.69% | 33.41% |
| ROE % | 0.01% | 0.02% | 0.18% | 0.04% | 1.56% | 1.81% | 1.75% | -6.22% | 12.68% | 3.43% |
| ROCE % | 0.01% | 0.02% | 0.12% | 0.03% | 1.25% | 1.33% | 2.78% | -8.30% | 14.57% | 2.98% |
| 0.00% | 0.01% | 0.08% | 0.02% | 0.78% | 0.93% | 1.63% | -5.86% | 10.97% | 2.84% | |
| EFFICIENCY | ||||||||||
| Debtor Days | 0 | 0 | 365 | 411 | 909 | 0 | 125 | 23 | 143 | 322 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 182 | 393 | 857 | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 182 | 18 | 52 | 0 | 125 | 22 | 143 | 322 | |
| FINANCIAL HEALTH | ||||||||||
| Debt to Equity (x) | 0.81x | 0.82x | 1.46x | 0.88x | 0.88x | 0.93x | 0.00x | 0.00x | 0.00x | 0.00x |
| Interest Coverage (x) | 163.66x | 268.14x | 1090.07x | 22.21x | 457.80x | 139.89x | 3.26x | -6879.50x | 0.00x | 141.06x |
| 10.29x | 28.90x | 10.37x | 1.08x | 1.72x | 15.80x | 183.21x | 263.96x | 188.52x | 57.19x | |
| GROWTH | ||||||||||
| Revenue Growth % | 0.00% | 0.00% | 0.00% | 59.39% | -58.78% | -19.84% | 468.08% | 612.21% | 111.10% | -54.85% |
| Operating Profit Growth % | 0.00% | 235.44% | 380.87% | -75.28% | 3638.12% | 10.00% | 620.85% | -630.62% | 308.40% | -75.36% |
| Net Profit Growth % | 0.00% | 160.93% | 681.11% | -79.33% | 4121.09% | 17.71% | 495.02% | -731.59% | 322.80% | -69.01% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -731.48% | 320.90% | -69.07% | |
| VALUATION | ||||||||||
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 59.80x | 219.56x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 12.80x | 6.80x | 7.33x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | -138.98x | 44.59x | 204.31x |
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
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)
2026-08-12 - Newspaper advertisement regarding the Unaudited Financial Results of the Company for the quarter ended June 30, 2026
2026-08-10 - Srutinizers report and Voting Results of Postal Ballot Notice dated July 07, 2026
2026-08-10 - Abans Financial Services Limited has informed the Exchange regarding Outcome of Board Meeting held on August 10, 2026.
2026-08-10 - Abans Financial Services Limited has submitted to the Exchange, the financial results for the quarter ended Jun 30, 2026.
News
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