Apoorva Leasing Finance And Investment Company Ltd
•Market Cap₹ 53 Cr.
Current Price
High / Low₹ 28 / 25
Stock P/E189.4
Book Value₹ 73
Price to Book0.44
Dividend Yield0.00 %
ROCE0.3 %
ROE0.2 %
Face Value₹ 10
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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.
Confidence
View full sector analysis →84%
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 | 1970.00 | 31.11 | 315606.09 | 0.08 | 6296.67 | 18.15 | 42036.90 | 92.22 | 11.88 | 40.79 |
| AIIL | 538.30 | 21.79 | 45713.81 | 0.00 | 11082.20 | 1075.19 | 14695.40 | 1109.37 | 30.27 | 88.91 |
| CHOLAHLDNG | 1473.75 | 10.37 | 27673.70 | 0.09 | 1788.99 | 42.04 | 11113.57 | 42.92 | 10.52 | 57.53 |
| TVSHLTD | 13257.45 | 13.61 | 26822.61 | 0.65 | 1173.58 | 73.77 | 17076.18 | 40.01 | 19.39 | 16.25 |
| CGCL | 251.10 | 21.43 | 24159.69 | 0.08 | 353.38 | 102.04 | 1576.47 | 62.12 | 11.68 | 68.54 |
| MAHSCOOTER | 13687.45 | 56.16 | 15642.80 | 1.61 | 3.32 | -90.61 | 5.41 | -81.52 | 1.06 | 84.10 |
| JSWHL | 11745.75 | 94.90 | 13037.34 | 0.00 | 24.54 | -92.74 | 34.58 | 14.97 | 0.58 | 92.45 |
| JMFINANCIL | 128.45 | 11.82 | 12292.15 | 2.53 | 368.57 | -19.66 | 1200.53 | 9.69 | 11.91 | 58.30 |
| TSFINV | 403.10 | 18.39 | 8953.01 | 2.77 | 124.95 | -92.11 | 305.57 | 102.23 | 3.47 | 53.35 |
| RELIGARE | 249.55 | 156.61 | 8602.83 | 0.00 | -46.98 | -674.86 | 2353.40 | 1051.76 | 11.46 | -2.08 |
| KAMAHOLD | 2350.85 | 8.11 | 7544.01 | 1.76 | 584.02 | 10.80 | 4657.56 | 7.07 | 20.86 | 22.01 |
| APOORVA | 26.65 | 127.14 | 53.23 | 0.00 | -0.04 | -290.48 | 1.16 | 491.84 | 0.32 | -4.31 |
Detailed Comparison with:
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 | 0 | 0 | -1 | 0 | 0 | 0 | -0 | -0 |
| OPM % | 70.21% | 81.44% | 81.37% | 41.33% | 58.21% | 74.63% | 15.79% | 145.71% | 15.00% | 30.43% | 66.67% | -2.78% | -3.45% |
| Other Income | 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 |
| 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 | 0 | 0 | -0 | 0 | 0 | 0 | -0 | 0 | 0 | 0 | 0 | 0 | |
| Equity Capital | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 |
| Reserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Promoter Pledge % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 | 7 | 5 | 4 | 6 | 3 | 3 | 1 | — |
| OPM % | 6 | 15 | 41 | 32 | 21 | 78 | 60 | 56 | 72 | 45 | — |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 |
| 0 | 1 | 4 | 7 | 5 | 4 | 8 | 3 | 3 | 0 | 0 | |
| Tax % | 26 | 30 | 28 | 28 | 26 | 22 | 18 | 27 | 25 | 25 | 6 |
| Net Profit | 0 | 1 | 3 | 5 | 3 | 3 | 7 | 2 | 2 | 0 | 0 |
| EPS | 0 | 0 | 0 | 0 | 2 | 2 | 3 | 1 | 1 | 0 | — |
| Dividend Payout % | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | — |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | 0 | 0 | 1 | 2 | 2 | 2 | 3 | 1 | 1 | 0 | — |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - | - | - | - | - |
| 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 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 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 |
| Total Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 |
| Net Working Capital | 91 | 113 | 69 | 73 | 75 | 90 | 69 | 61 | 30 | 17 |
| Contingent Liabilities | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 |
| Book Value per Share | 59.18 | 59.47 | 61.19 | 63.43 | 65.29 | 68.05 | 70.40 | 71.45 | 72.55 | 72.57 |
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
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 | -55 | 46 | 2 | 5 | 5 | 30 | 6 | 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 | |
| Free Cash Flow | 1 | -55 | 46 | 2 | 5 | 5 | 30 | 6 | 21 | 12 |
| OCF / Net Profit | 3.37 | -96.27 | 16.68 | 0.42 | 1.53 | 1.50 | 4.52 | 2.90 | 10.59 | 36.79 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | -1 | 2 | 88 | 48 | 66 | 74 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | ||||||||||
| EPS (₹) | 0.16 | 0.29 | 1.39 | 2.36 | 1.68 | 1.67 | 3.36 | 0.99 | 0.97 | 0.17 |
| Book Value (₹) | 59.18 | 59.47 | 61.19 | 63.43 | 65.29 | 68.05 | 70.40 | 71.45 | 72.55 | 72.57 |
| 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 (₹) | 0.16 | 0.29 | 1.40 | 2.37 | 1.70 | 1.74 | 3.42 | 1.03 | 1.00 | 0.20 |
| PROFITABILITY | ||||||||||
| Operating Margin % | 5.71% | 14.59% | 41.45% | 32.36% | 21.30% | 78.06% | 60.40% | 55.64% | 70.50% | 37.78% |
| Net Margin % | 3.96% | 10.22% | 29.90% | 23.23% | 15.35% | 60.34% | 66.82% | 39.07% | 52.82% | 29.00% |
| ROE % | 0.28% | 0.49% | 2.31% | 3.79% | 2.60% | 2.50% | 4.85% | 1.40% | 1.35% | 0.24% |
| ROCE % | 0.40% | 0.69% | 3.19% | 5.28% | 3.58% | 3.22% | 5.96% | 1.92% | 1.80% | 0.32% |
| 0.28% | 0.48% | 2.23% | 3.65% | 2.57% | 2.46% | 4.77% | 1.37% | 1.34% | 0.24% | |
| EFFICIENCY | ||||||||||
| Debtor Days | 1 | 155 | 98 | 13 | 19 | 62 | 15 | 0 | 0 | 0 |
| Inventory Days | 0 | 29 | 219 | 123 | 0 | 193 | 70 | 0 | 0 | 0 |
| Payable Days | 1 | 0 | 9 | 3 | 1 | 0 | 16 | 12 | 0 | 0 |
| 1 | 184 | 307 | 132 | 18 | 255 | 69 | -12 | 0 | 0 | |
| FINANCIAL HEALTH | ||||||||||
| Debt to Equity (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.01x | 0.00x | 0.00x |
| Interest Coverage (x) | 16.36x | 195.86x | 7687.80x | 438.04x | 88.04x | 3893.55x | 575.86x | 121.99x | 4325.17x | 177.42x |
| 418.56x | 295.26x | 9.58x | 35.90x | 47.56x | 40.65x | 25.79x | 29.43x | 26.11x | 53.21x | |
| GROWTH | ||||||||||
| Revenue Growth % | 320.57% | -32.20% | 65.05% | 118.61% | 7.32% | -74.73% | 82.14% | -49.61% | -27.23% | -67.81% |
| Operating Profit Growth % | 296.69% | 73.17% | 368.98% | 70.69% | -29.36% | -7.38% | 40.93% | -53.58% | -5.80% | -79.80% |
| Net Profit Growth % | 293.01% | 75.20% | 382.72% | 69.88% | -29.10% | -0.64% | 101.68% | -70.54% | -1.61% | -82.33% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -1.61% | -82.33% | |
| VALUATION | ||||||||||
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 30.58x | 185.94x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.41x | 0.44x |
| 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 | 0.00x | 22.21x | 118.67x |
Documents
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