Authum Investment & Infrastructure Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2026 • Lending Activity: 50.9% • Investment Activity: 48.1% • Rental Business: 0.6%
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
- Company has delivered good profit growth of 70.0% CAGR over last 5 years
- Comfortable capital adequacy - CAR of 69.3%
- Company has a good return on equity (ROE) track record: 3 Years ROE 30.5%
- Solid return on assets for a lender - ROA of 11.3%
- Company has a healthy return on capital (ROCE) of 28.0%
CONS
- Promoter holding has decreased over last 2 years: -6.1pp
- Valuation is stretched - P/E of 20.9 is well above its own 5-year median (4.2)
- Effective tax rate is unusually low at 8.4% - earnings may be flattered
- Operating margins have contracted to 84.3% from 89.3%
- 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 | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJAJFINSV | 1927.00 | 30.43 | 308717.22 | 0.08 | 62966.70 | 1081.55 | 420369.00 | 1091.26 | 11.88 | 40.79 |
| AIIL | 515.10 | 20.85 | 43743.61 | 0.00 | 11082.20 | 1075.19 | 14695.40 | 1109.37 | 13.85 | 88.91 |
| CHOLAHLDNG | 1529.15 | 10.76 | 28713.99 | 0.09 | 1788.99 | 42.04 | 11113.57 | 42.92 | 10.52 | 57.53 |
| TVSHLTD | 13141.85 | 13.49 | 26588.73 | 0.65 | 1173.58 | 73.77 | 17076.18 | 40.01 | 19.39 | 16.25 |
| CGCL | 272.25 | 23.23 | 26194.64 | 0.07 | 353.38 | 102.04 | 1576.47 | 62.12 | 11.68 | 68.54 |
| MAHSCOOTER | 13294.90 | 54.55 | 15194.17 | 1.65 | 3.32 | -90.61 | 5.41 | -81.52 | 1.06 | 84.10 |
| JSWHL | 11368.40 | 91.85 | 12618.50 | 0.00 | 24.54 | -92.74 | 34.58 | 14.97 | 0.58 | 92.45 |
| JMFINANCIL | 126.60 | 11.65 | 12115.11 | 2.57 | 368.57 | -19.66 | 1200.53 | 9.69 | 11.91 | 58.30 |
| TSFINV | 422.90 | 19.29 | 9392.77 | 2.64 | 124.95 | -92.11 | 305.57 | 102.23 | 3.47 | 53.35 |
| RELIGARE | 256.80 | 161.16 | 8852.76 | 0.00 | -46.98 | -674.86 | 2353.40 | 1051.76 | 4.71 | -2.08 |
| KAMAHOLD | 2298.75 | 7.93 | 7376.82 | 1.80 | 584.02 | 10.80 | 4657.56 | 7.07 | 20.86 | 22.01 |
| PILANIINVS | 4138.60 | 138.89 | 4582.36 | 0.22 | -47.26 | -17.55 | 14.44 | -70.70 | 1.41 | -9.33 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 61 | 973 | 490 | 886 | 1,412 | 1,091 | 0 | 1,442 | 1,210 | 595 | 0 | 268 | 14,482 | |
| 4 | 11 | -176 | -397 | 160 | 141 | -9 | 182 | 56 | 20 | 95 | 78 | 2,007 | |
| Operating Profit | 58 | 962 | 666 | 1,283 | 1,252 | 950 | 627 | 1,260 | 1,155 | 575 | 351 | 190 | 13,088 |
| OPM % | 94.24% | 98.83% | 135.95% | 144.77% | 88.68% | 87.10% | — | 87.36% | 95.40% | 96.65% | — | 70.94% | 90.38% |
| Other Income | 1 | 1 | 2 | 17 | 1 | 23 | 1 | 11 | 9 | 3 | 0 | 10 | 47 |
| Interest | 19 | 37 | 10 | -0 | 8 | 13 | 8 | 17 | 20 | 41 | 63 | 61 | 582 |
| Depreciation | 0 | 0 | 1 | 1 | 3 | 1 | -0 | 2 | 2 | 2 | 2 | 7 | 32 |
| 39 | 926 | 657 | 1,300 | 1,242 | 960 | 620 | 1,252 | 1,142 | 535 | 286 | 132 | 12,522 | |
| Tax % | 17.26% | 14.93% | 8.18% | -15.30% | 12.00% | 12.09% | 12.09% | -41.06% | 17.55% | -42.90% | 41.17% | 65.59% | 10.98% |
| Net Profit | 33 | 788 | 603 | 1,498 | 1,093 | 844 | 545 | 1,766 | 941 | 765 | 168 | 46 | 11,148 |
| 2 | 46 | 36 | 88 | 64 | 50 | 32 | 104 | 55 | 45 | 10 | 1 | 13 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 224 | 346 | 0 | 21 | 256 | 907 | 374 | 2,413 | 4,566 | 2,520 | 15,346 | |
| 210 | 345 | 37 | 34 | 78 | 52 | 43 | 3,734 | 532 | 397 | 2,200 | |
| Operating Profit | 14 | 1 | -37 | -13 | 178 | 856 | 331 | -1,322 | 4,034 | 2,123 | 13,146 |
| OPM % | 6.29% | 0.25% | -10786.61% | -64.09% | 69.52% | 94.30% | 88.43% | -54.78% | 88.34% | 84.26% | 85.66% |
| 0 | 9 | 0 | 0 | 0 | 0 | 3 | 4,320 | 93 | 170 | 60 | |
| Interest | 1 | 1 | 1 | 2 | 21 | 30 | 46 | 76 | 46 | 185 | 747 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 3 | 6 | 13 | 43 |
| Profit before Tax | 14 | 9 | -37 | -15 | 157 | 826 | 287 | 2,919 | 4,074 | 2,095 | 13,476 |
| Tax % | 38.19% | 32.46% | -0.00% | -0.03% | 13.96% | 19.03% | 16.36% | -0.01% | -4.28% | 8.36% | 10.01% |
| Net Profit | 8 | 6 | -37 | -15 | 135 | 669 | 240 | 2,920 | 4,248 | 1,919 | 12,126 |
| EPS | 7.24 | 5.20 | -32.47 | -13.27 | 116.23 | 39.88 | 14.14 | 171.94 | 250.18 | 22.60 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.40% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 23%
- 5 Years:
- 58%
- 3 Years:
- 89%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 110%
- 5 Years:
- 70%
- 3 Years:
- 100%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- -18%
RETURN ON EQUITY
- 10 Years:
- 14%
- 5 Years:
- 27%
- 3 Years:
- 30%
- Last Year:
- 13%
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 | 12 | 12 | 12 | 12 | 16 | 17 | 17 | 17 | 17 | 85 |
| 52 | 58 | 38 | -222 | 786 | 3,104 | 2,974 | 10,246 | 14,603 | 14,467 | |
| 2 | 16 | 9 | 903 | 1,133 | 871 | 970 | 1,035 | 877 | 3,398 | |
| Trade Payables | 10 | 32 | 5 | 0 | 9 | 0 | 46 | 10 | 67 | 323 |
| 3 | 0 | 0 | 3 | 1 | 26 | 14 | 29 | 246 | 33 | |
| Total Liabilities | 79 | 118 | 63 | 695 | 1,946 | 4,019 | 4,021 | 11,337 | 15,810 | 18,306 |
| 0 | 0 | 0 | 0 | 0 | 1 | 5 | 7 | 93 | 88 | |
| 14 | 17 | 57 | 330 | 1,626 | 3,186 | 3,593 | 8,941 | 12,740 | 15,345 | |
| 46 | 64 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 16 | 13 | |
| Cash & Bank | 1 | 0 | 0 | 1 | 15 | 542 | 135 | 211 | 209 | 134 |
| 18 | 36 | 6 | 364 | 305 | 291 | 288 | 2,178 | 2,752 | 2,724 | |
| Total Assets | 79 | 118 | 63 | 695 | 1,946 | 4,019 | 4,021 | 11,337 | 15,810 | 18,306 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 27 | -8 | -34 | -169 | 246 | 400 | -38 | -148 | -179 | 1,011 | |
| Cash from Investing | -13 | -3 | 41 | -722 | -451 | -570 | 81 | 489 | 221 | -3,417 |
| Cash from Financing | -12 | 13 | -8 | 892 | 247 | 336 | 53 | -403 | -131 | 2,331 |
| 1 | -0 | -0 | 1 | 14 | 28 | 26 | -61 | -89 | -75 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-07 - Authum Investment & Infrastructure Limited has informed the Exchange about Copy of Newspaper Publication - Post dispatch of Notice and annual Report to Shareholders
2026-09-05 - Authum Investment & Infrastructure Limited has informed the Exchange about Weblink Letter to Shareholders dispatched with Annual Report and Notice
2026-09-05 - Authum Investment & Infrastructure Limited has informed the Exchange about Business Responsibility and Sustainability Report (BRSR) For FY 2025-26
2026-09-05 - Authum Investment & Infrastructure Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 28, 2026
2026-09-04 - Authum Investment & Infrastructure Limited has informed the Exchange about Copy of Newspaper Publication - Prior to dispatch of Notice and Annual Report
2026-08-25 - Authum Investment & Infrastructure Limited has informed the Exchange about re-appointment of Independent Directors and Appointment of CFO
2026-08-25 - Authum Investment & Infrastructure Limited has informed the Exchange regarding Outcome of Board Meeting held on August 25, 2026.
2026-08-18 - Authum Investment & Infrastructure Limited has informed the Exchange about Subscribing to Shares of its Subsidiary Company ISARC through Rights Issue
2026-08-06 - Significant increase in volume has been observed in Authum Investment & Infrastructure Limited. The Exchange, in order to ensure that investors have latest relevant information about the company and to inform the market place so that the interest of the investors is safeguarded, had written to the company. Authum Investment & Infrastructure Limited has submitted their response.
News
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Authum Investment & Infrastructure Ltd.
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