Apoorva Leasing Finance And Investment Company Ltd

•

apoorvaleasingfinance.inBSE: -NSE: APOORVA

Market Cap₹ 55 Cr.

Current Price

High / Low₹ 28 / 24

Stock P/E131.8

Book Value₹ 74

Price to Book0.43

Dividend Yield0.00 %

ROCE0.3 %

ROE0.2 %

Face Value₹ 10

Add ratio to table

ABOUT

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

Asset quality is healthy - gross NPA of just 0.0%
Company has consistently been profitable over the last 5 years

CONS

Capital adequacy is tight at 0.0% - limited headroom to grow
Company has a low return on capital employed of 1.3%
Company has a low return on equity of 1.0% over last 3 years
A large part of profit comes from other income (25.2% of PBT)
Company's sales have been declining over the last five years

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

Peer comparison

Financial ServicesFinanceFinance - Investment

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

S.No.	Name
1.	BAJAJFINSV	1917.30	30.28	307163.22	0.08	62966.70	1081.55	420369.00	1091.26	11.88	40.79
2.	AIIL	546.65	22.13	46422.91	0.00	11082.20	1075.19	14695.40	1109.37	13.85	88.91
3.	CHOLAHLDNG	1525.75	10.74	28650.15	0.09	1788.99	42.04	11113.57	42.92	10.52	57.53
4.	TVSHLTD	13000.05	13.35	26301.84	0.66	1173.58	73.77	17076.18	40.01	19.39	16.25
5.	CGCL	266.10	22.71	25602.92	0.08	353.38	102.04	1576.47	62.12	11.68	68.54
6.	MAHSCOOTER	13002.55	53.35	14860.05	1.69	3.32	-90.61	5.41	-81.52	1.06	84.10
7.	JSWHL	11435.95	92.40	12693.48	0.00	24.54	-92.74	34.58	14.97	0.58	92.45
8.	JMFINANCIL	124.75	11.48	11938.08	2.61	368.57	-19.66	1200.53	9.69	11.91	58.30
9.	TSFINV	437.25	19.95	9711.49	2.55	124.95	-92.11	305.57	102.23	3.47	53.35
10.	RELIGARE	256.95	161.25	8857.93	0.00	-46.98	-674.86	2353.40	1051.76	4.71	-2.08
11.	KAMAHOLD	2282.95	7.87	7326.12	1.82	584.02	10.80	4657.56	7.07	20.86	22.01
12.	APOORVA	27.63	131.81	55.19	0.00	-0.04	-290.48	1.16	491.84	0.32	-4.31

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Jun 2025	Sep 2025	Dec 2025	Jun 2026
	1	1	1	1	1	1	1	1	0	0	0	0	0
	0	0	0	0	0	1	0	0	0	0	0	0	0
Operating Profit	1	1	1	1	1	0	0	1	0	0	0	0	-0
OPM %	69.48%	66.67%	73.33%	81.44%	81.37%	9.52%	59.70%	77.14%	15.79%	15.00%	34.78%	66.67%	-4.31%
	0	0	0	0	0	-1	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	1	1	1	1	1	-1	0	1	0	0	0	0	-0
Tax %	25.24%	35.19%	25.64%	25.86%	25.21%	26.92%	25.00%	25.45%	25.00%	33.33%	25.00%	25.00%	20.00%
Net Profit	0	0	0	0	1	-0	0	0	0	0	0	0	-0
	0.23	0.22	0.27	0.43	0.45	-0.10	0.15	0.20	0.01	0.01	0.03	0.09	0.00

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
	8	6	9	20	22	6	10	5	4	1	1
	8	5	6	14	17	1	4	2	1	1	1
Operating Profit	0	1	4	6	4	4	6	3	2	0	0
OPM %	4.89%	15.09%	40.49%	31.42%	20.34%	74.60%	60.09%	55.18%	66.92%	36.49%	32.41%
	0	0	0	0	0	0	2	0	0	0	0
Interest	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0
Profit before Tax	0	1	4	7	5	4	8	3	3	0	0
Tax %	26.22%	29.62%	28.26%	28.03%	25.77%	22.53%	18.40%	27.13%	25.26%	24.30%	25.80%
Net Profit	0	1	3	5	3	3	7	2	2	0	0
EPS	0.00	0.00	0.00	0.00	1.72	1.72	3.37	1.03	1.04	0.21	—
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:: -44%
3 Years:: -51%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: -34%
3 Years:: -60%

STOCK PRICE CAGR

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

RETURN ON EQUITY

10 Years:: 2%
5 Years:: 2%
3 Years:: 1%
Last Year:: 0%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	20	20	20	20	20	20	20	20	20	20
Minority Interest	2	2	4	3	3	3	3	3	1	1
	110	111	117	112	116	121	124	126	128	128
	1	1	1	1	0	0	0	1	0	0
	2	1	8	2	2	2	3	1	1	0
Total Liabilities	135	135	150	138	141	147	150	151	150	149
	0	0	0	0	0	0	0	0	0	0
	29	8	60	57	58	42	22	22	15	16
	0	0	11	3	0	3	1	0	0	0
	0	0	0	0	0	0	0	0	0	0
Cash & Bank	37	1	1	1	5	17	17	14	1	0
	69	125	78	76	77	84	109	115	134	133
Total Assets	135	135	150	138	141	147	150	151	150	149

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
	-57	48	1	8	13	30	6	21	13
Cash from Investing	21	-48	2	-2	0	-30	-10	-33	-14
Cash from Financing	1	0	-1	-0	-0	-0	1	-1	0
	-36	-0	1	4	12	0	-3	-13	-0

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	52.66	52.66	52.66	52.66	52.66	52.66	52.66	52.66	52.66
FIIs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
DIIs	0.00	0.00	0.00	0.00	0.00	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
	47.34	47.34	47.34	47.34	47.34	47.34	47.34	47.34	47.34

Documents

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

No announcements filed.

News

Recent coverage and analyst commentary for APOORVA

Loading news…

🤖

AI Stock Analyst

Apoorva Leasing Finance And Investment Company Ltd

🔒

Sign in to Chat with AI

✨ Sign In to Chat

Free 5nance Account

Name

BAJAJFINSV

1917.30

30.28

307163.22

0.08

62966.70

1081.55

420369.00

1091.26

11.88

40.79

AIIL

546.65

22.13

46422.91

0.00

11082.20

1075.19

14695.40

1109.37

13.85

88.91

CHOLAHLDNG

1525.75

10.74

28650.15

0.09

1788.99

42.04

11113.57

42.92

10.52

57.53

TVSHLTD

13000.05

13.35

26301.84

0.66

1173.58

73.77

17076.18

40.01

19.39

16.25

CGCL

266.10

22.71

25602.92

0.08

353.38

102.04

1576.47

62.12

11.68

68.54

MAHSCOOTER

13002.55

53.35

14860.05

1.69

3.32

-90.61

5.41

-81.52

1.06

84.10

JSWHL

11435.95

92.40

12693.48

0.00

24.54

-92.74

34.58

14.97

0.58

92.45

JMFINANCIL

124.75

11.48

11938.08

2.61

368.57

-19.66

1200.53

9.69

11.91

58.30

TSFINV

437.25

19.95

9711.49

2.55

124.95

-92.11

305.57

102.23

3.47

53.35

RELIGARE

256.95

161.25

8857.93

0.00

-46.98

-674.86

2353.40

1051.76

4.71

-2.08

KAMAHOLD

2282.95

7.87

7326.12

1.82

584.02

10.80

4657.56

7.07

20.86

22.01

APOORVA

27.63

131.81

55.19

0.00

-0.04

-290.48

1.16

491.84

0.32

-4.31

Dec 2022

Mar 2023

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Jun 2025

Sep 2025

Dec 2025

Jun 2026

Operating Profit

-0

OPM %

69.48%

66.67%

73.33%

81.44%

81.37%

9.52%

59.70%

77.14%

15.79%

15.00%

34.78%

66.67%

-4.31%

-1

Interest

Depreciation

Profit before Tax

-1

-0

Tax %

25.24%

35.19%

25.64%

25.86%

25.21%

26.92%

25.00%

25.45%

25.00%

33.33%

25.00%

20.00%

Net Profit

-0

0.23

0.22

0.27

0.43

0.45

-0.10

0.15

0.20

0.01

0.03

0.09

0.00

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

TTM

Operating Profit

OPM %

4.89%

15.09%

40.49%

31.42%

20.34%

74.60%

60.09%

55.18%

66.92%

36.49%

32.41%

Interest

Depreciation

Profit before Tax

Tax %

26.22%

29.62%

28.26%

28.03%

25.77%

22.53%

18.40%

27.13%

25.26%

24.30%

25.80%

Net Profit

EPS

0.00

1.72

3.37

1.03

1.04

0.21

—

Dividend Payout %

0.00%

—

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Equity Capital

Minority Interest

110

111

117

112

116

121

124

126

128

Total Liabilities

135

150

138

141

147

150

151

150

149

Cash & Bank

125

109

115

134

133

Total Assets

135

150

138

141

147

150

151

150

149

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

-57

Cash from Investing

-48

-2

-30

-10

-33

-14

Cash from Financing

-1

-0

-1

-36

-0

-3

-13

-0

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

52.66

FIIs

0.00

DIIs

0.00

Government

0.00

47.34

Apoorva Leasing Finance And Investment Company 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

Apoorva Leasing Finance And Investment Company 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