Apoorva Leasing Finance And Investment Company Ltd
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ABOUT
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
- Asset quality is healthy - gross NPA of just 0.0%
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
- Company's sales have been declining over the last five years
- Company has delivered a poor profit growth of -36.6% over past five years
- Operating margins have contracted to 37.8% from 60.4%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| 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 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 1 | 1 | 1 | 1 | 1 | 0 | -0 | 0 | 0 | 0 | 1 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | |
| Operating Profit | 1 | 1 | 1 | 0 | 0 | 1 | 0 | -0 | 0 | 0 | 0 | -0 | -0 |
| OPM % | 70.21% | 81.44% | 81.37% | 41.33% | 59.70% | 76.12% | 15.79% | 140.00% | 15.00% | 34.78% | 66.67% | -4.17% | -3.45% |
| 0 | 0 | 0 | -1 | 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 | 1 | 1 | 1 | -0 | 0 | 1 | 0 | -0 | 0 | 0 | 0 | -0 | -0 |
| Tax % | 25.76% | 25.00% | 25.21% | 25.64% | 25.00% | 25.49% | 25.00% | 26.53% | 33.33% | 25.00% | 25.00% | 300.00% | 25.00% |
| Net Profit | 0 | 1 | 1 | -0 | 0 | 0 | 0 | -0 | 0 | 0 | 0 | 0 | -0 |
| 0.25 | 0.42 | 0.45 | -0.14 | 0.15 | 0.19 | 0.01 | -0.18 | 0.01 | 0.03 | 0.09 | 0.02 | 0.00 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| 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 | 5 | 14 | 17 | 1 | 4 | 2 | 1 | 1 | 1 | |
| Operating Profit | 0 | 1 | 4 | 6 | 5 | 4 | 6 | 3 | 3 | 0 | 0 |
| OPM % | 4.89% | 14.46% | 41.39% | 31.90% | 20.95% | 74.70% | 60.17% | 55.30% | 70.50% | 37.78% | 14.58% |
| 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% | 29.63% | 27.67% | 27.96% | 26.45% | 22.30% | 18.37% | 27.06% | 25.03% | 25.07% | 6.42% |
| Net Profit | 0 | 1 | 3 | 5 | 3 | 3 | 7 | 2 | 2 | 0 | 0 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 1.68 | 1.67 | 3.36 | 0.99 | 0.97 | 0.17 | — |
| 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%
- 5 Years:
- -44%
- 3 Years:
- -51%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 15%
- 5 Years:
- -37%
- 3 Years:
- -63%
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
Standalone Figures in Rs. Crores / View Consolidated
| 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 |
| 98 | 99 | 102 | 107 | 110 | 116 | 121 | 123 | 125 | 125 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | |
| 0 | 0 | 8 | 2 | 2 | 2 | 3 | 1 | 1 | 0 | |
| Total Liabilities | 118 | 119 | 130 | 129 | 132 | 138 | 143 | 145 | 146 | 145 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 27 | 6 | 53 | 53 | 54 | 39 | 21 | 21 | 16 | 16 | |
| 0 | 0 | 11 | 3 | 0 | 3 | 1 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Cash & Bank | 36 | 1 | 1 | 1 | 4 | 17 | 17 | 14 | 1 | 0 |
| 56 | 112 | 66 | 71 | 73 | 79 | 104 | 110 | 130 | 129 | |
| Total Assets | 118 | 119 | 130 | 129 | 132 | 138 | 143 | 145 | 146 | 145 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | -56 | 47 | 4 | 6 | 6 | 29 | 7 | 21 | 13 | |
| Cash from Investing | -11 | 21 | -47 | -1 | -2 | 8 | -30 | -10 | -33 | -13 |
| Cash from Financing | -0 | -0 | -0 | -0 | -0 | 0 | -0 | 1 | -1 | 0 |
| -10 | -35 | -0 | 1 | 3 | 13 | 0 | -3 | -13 | -0 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
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News
Recent coverage and analyst commentary for APOORVA
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