Alfred Herbert (India) Ltd.

•

alfredherbert.co.inBSE: -NSE: ALFREDHE

Market Cap₹ 217 Cr.

Current Price

High / Low₹ 3,599 / 2,800

Stock P/E0.5

Book Value₹ 7,328

Price to Book0.33

Dividend Yield0.71 %

ROCE155.9 %

ROE136.3 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2011 • Realty, Business Services and Finance Division: 89.8% • Sales & Marketing Operations: 5.1% • Sales & Marketing Operations: 5.1%

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

Company has a healthy return on capital (ROCE) of 54.3%
Company has a good return on equity (ROE) track record: 3 Years ROE 47.6%
Asset quality is healthy - gross NPA of just 0.0%
Company has delivered good sales growth of 79.8% CAGR over last 5 years
Stock looks reasonably valued - P/E of 0.5 is below its historical median
Company has a consistent dividend-paying track record

CONS

Operating margins have contracted to 92.0% from 108.6%
Effective tax rate is unusually low at 12.6% - earnings may be flattered
Though reporting repeated profits, the company pays out little dividend (0.3%)

* 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	1060.50	32.52	660262.45	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1041.00	21.64	244945.59	1.04	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	TATACAP	375.00	29.46	159182.59	0.15	16281.80	1464.16	88219.30	1051.00	8.66	75.72
4.	JIOFIN	239.85	76.64	158376.35	0.25	830.25	155.73	2004.47	227.28	2.11	69.71
5.	CHOLAFIN	1839.00	27.31	157062.74	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
6.	BAJAJHLDNG	11148.75	14.01	124078.35	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2920.00	10.31	117228.79	1.03	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	404.80	27.00	110815.96	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	314.00	24.73	78699.47	0.88	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	657.90	27.52	62608.60	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	682.25	26.05	56678.94	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	ALFREDHE	2811.05	0.48	216.85	0.71	62.36	168440.54	83.14	11760.20	149.89	92.68

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Mar 2026	Jun 2026
	0	0	1	0	0	0	1	0	1	6	17	5	8
	0	0	0	0	0	0	0	1	1	1	1	1	1
Operating Profit	0	0	0	0	0	0	0	7	0	966	16	4	8
OPM %	23.08%	17.95%	39.62%	42.86%	25.00%	0.00%	52.05%	4072.22%	5.66%	17396.40%	93.06%	86.75%	93.44%
Other Income	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
	0	0	0	0	0	-0	0	7	-0	485	16	4	7
Tax %	-25.00%	16.67%	-107.41%	50.00%	80.00%	-260.00%	140.00%	6.48%	105.00%	12.40%	15.43%	20.36%	18.28%
Net Profit	0	0	1	0	0	-0	-0	7	0	425	13	3	6
	3	1	7	1	0	-5	-1	86	0	5,506	174	40	8

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
	2	3	3	3	2	2	1	2	10	45	36
	2	2	1	2	2	1	5	1	3	4	4
Operating Profit	1	1	2	1	1	1	-4	1	8	41	32
OPM %	25.69%	43.33%	64.16%	32.94%	26.82%	46.66%	-275.19%	36.59%	75.52%	92.03%	89.03%
	21	0	1	0	-0	1	6	0	0	481	480
Interest	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	1	1	1
Profit before Tax	21	1	3	1	-0	1	1	1	7	521	512
Tax %	20.99%	-12.35%	4.13%	21.50%	-260.86%	5.67%	-6.81%	-37.09%	10.38%	12.61%	12.64%
Net Profit	17	1	3	1	-0	1	1	1	6	455	447
EPS	0.00	0.00	0.00	11.09	-4.48	14.83	19.18	9.37	80.77	5900.43	—
Dividend Payout %	0.91%	16.21%	6.33%	31.56%	-61.36%	20.23%	18.25%	42.70%	6.19%	0.34%	—

COMPOUNDED SALES GROWTH

10 Years:: 36%
5 Years:: 80%
3 Years:: 213%

COMPOUNDED PROFIT GROWTH

10 Years:: 84%
5 Years:: —
3 Years:: 575%

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: —
1 Year:: —

RETURN ON EQUITY

10 Years:: 20%
5 Years:: 29%
3 Years:: 48%
Last Year:: 136%

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	1	1	1	1	1	1	1	1	1	1
	47	48	74	72	87	97	95	109	108	559
	5	0	8	2	4	5	4	5	6	72
Total Liabilities	53	50	83	76	92	103	100	116	115	632
	4	4	4	4	4	1	1	1	7	6
Capital Work in Progress	12	14	16	20	24	29	34	36	0	0
	30	27	61	43	61	69	61	75	68	484
Cash & Bank	0	0	1	6	0	0	0	0	0	50
	7	5	1	2	2	4	4	4	40	92
Total Assets	53	50	83	76	92	103	100	116	115	632

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	-1	2	0	-0	1	1	-0	-1	-64
Cash from Investing	4	1	-1	5	-5	-0	-1	1	1	65
Cash from Financing	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0
	0	0	0	5	-6	0	-0	0	-0	1

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 (₹)	218.65	15.42	39.50	11.09	-4.48	14.83	19.18	9.37	80.77	5900.43
Book Value (₹)	612.16	625.17	962.57	942.48	1129.26	1266.08	1233.68	1421.60	1409.39	7250.29
Dividend per Share (₹)	2.00	2.50	2.50	3.50	2.75	3.00	3.50	4.00	5.00	20.00
Cash EPS (₹)	219.82	16.62	40.03	13.21	-2.20	17.13	21.47	11.62	90.85	5910.96
PROFITABILITY
Operating Margin %	25.71%	43.40%	109.64%	46.61%	43.94%	84.42%	108.60%	36.59%	75.52%	92.03%
Net Margin %	816.23%	44.87%	103.60%	30.31%	-14.53%	67.23%	100.96%	37.10%	60.78%	1017.49%
ROE %	43.48%	2.49%	4.98%	1.16%	-0.43%	1.24%	1.53%	0.71%	5.71%	136.27%
ROCE %	55.04%	2.22%	5.20%	1.57%	-0.04%	1.36%	1.47%	0.53%	6.38%	155.95%
	39.56%	2.32%	4.61%	1.08%	-0.41%	1.17%	1.46%	0.67%	5.40%	121.89%
EFFICIENCY
Debtor Days	0	0	0	0	0	0	0	0	0	0
Inventory Days	0	0	0	0	0	0	0	0	0	0
Payable Days	0	0	0	0	0	0	0	0	0	0
	0	0	0	0	0	0	0	0	0	0
FINANCIAL HEALTH
Debt to Equity (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x
Interest Coverage (x)	0.00x	0.00x	600.68x	18.61x	-0.48x	27.14x	47.65x	37.60x	508.46x	0.00x
	5.52x	111.82x	31.68x	18.61x	12.93x	10.78x	11.78x	115.18x	16.76x	1814.37x
GROWTH
Revenue Growth %	2.97%	28.32%	10.91%	-4.03%	-15.73%	-28.45%	-13.88%	32.89%	426.26%	336.43%
Operating Profit Growth %	-42.59%	116.60%	180.16%	-59.20%	-20.55%	37.45%	10.78%	-55.05%	982.40%	432.19%
Net Profit Growth %	1511.37%	-92.95%	156.10%	-71.92%	-140.40%	430.98%	29.32%	-51.17%	762.22%	7205.45%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-51.17%	762.22%	7205.46%
VALUATION
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	156.39x	25.38x	0.41x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	1.03x	1.45x	0.33x
Dividend Yield %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.27%	0.24%	0.83%
	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	157.85x	20.42x	3.27x

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	73.86	73.86	73.86	73.86	73.86	73.86	73.86	73.86	73.86
FIIs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
	26.11	26.11	26.11	26.11	26.11	26.11	26.11	26.11	26.11

Documents

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

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