Aravali Securities & Finance Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2020 • Financing: 98.4% • Shares & Securities: 1.6%
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
- Asset quality is healthy - gross NPA of just 0.0%
- Company generates healthy free cash flow
CONS
- Net worth is negative - accumulated losses have eroded equity
- Company is loss-making at the operating / net level
- Capital adequacy is tight at 0.0% - limited headroom to grow
- Company has a low return on capital employed of 0.9%
- Company has a low return on equity of 0.0% over last 3 years
- Company's sales have been declining over the last five years
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJAJFINSV | 1990.00 | 31.43 | 318810.21 | 0.08 | 6296.67 | 18.15 | 42036.90 | 92.22 | 11.88 | 40.79 |
| AIIL | 510.20 | 20.65 | 43327.49 | 0.00 | 11082.20 | 1075.19 | 14695.40 | 1109.37 | 30.27 | 88.91 |
| CHOLAHLDNG | 1487.10 | 10.46 | 27924.39 | 0.09 | 1788.99 | 42.04 | 11113.57 | 42.92 | 10.52 | 57.53 |
| TVSHLTD | 13055.20 | 13.41 | 26413.42 | 0.66 | 1173.58 | 73.77 | 17076.18 | 40.01 | 19.39 | 16.25 |
| CGCL | 256.20 | 21.86 | 24650.38 | 0.08 | 353.38 | 102.04 | 1576.47 | 62.12 | 11.68 | 68.54 |
| MAHSCOOTER | 13572.20 | 55.69 | 15511.08 | 1.62 | 3.32 | -90.61 | 5.41 | -81.52 | 1.06 | 84.10 |
| JSWHL | 11458.70 | 92.58 | 12718.73 | 0.00 | 24.54 | -92.74 | 34.58 | 14.97 | 0.58 | 92.45 |
| JMFINANCIL | 129.45 | 11.91 | 12387.85 | 2.51 | 368.57 | -19.66 | 1200.53 | 9.69 | 11.91 | 58.30 |
| TSFINV | 403.15 | 18.39 | 8954.12 | 2.77 | 124.95 | -92.11 | 305.57 | 102.23 | 3.47 | 53.35 |
| RELIGARE | 247.65 | 155.41 | 8537.33 | 0.00 | -46.98 | -674.86 | 2353.40 | 1051.76 | -1.28 | -2.08 |
| KAMAHOLD | 2341.45 | 8.07 | 7513.85 | 1.77 | 584.02 | 10.80 | 4657.56 | 7.07 | 20.86 | 22.01 |
| ARAVALISEC | 3.90 | 0.00 | 5.91 | 0.00 | -0.65 | -842.03 | 0.00 | — | 4.29 | — |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Operating Profit | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| 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 | -0 | -0 | -0 | -0 | -0 | -0 | |
| Tax % | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | 10.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% |
| Net Profit | -0 | -0 | -0 | -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 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 |
| 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 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 1 | 2 | 1 | 1 | 3 | 0 | 0 | 0 | 0 | 0 | |
| 1 | 1 | 5 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |
| Operating Profit | 0 | 1 | -3 | 5 | 1 | 3 | -0 | -0 | 0 | 0 | — |
| OPM % | 35 | 55 | -156 | 1,012 | 105 | 101 | — | — | — | — | — |
| Other Income | 0 | 1 | 1 | 5 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Interest | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| -1 | -0 | -4 | 4 | 0 | 2 | -0 | -0 | -0 | -0 | -0 | |
| Tax % | -0 | 0 | -5 | 1 | 0 | 27 | 28 | -1 | 2 | -1 | 0 |
| Net Profit | -1 | -0 | -4 | 4 | 0 | 2 | -0 | -0 | -0 | -0 | -0 |
| EPS | 0 | 0 | 0 | 3 | 0 | 1 | -0 | -0 | -0 | -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 | -3 | 3 | 0 | 1 | -0 | -0 | -0 | -0 | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- —
RETURN ON EQUITY
- 10 Years:
- 0%
- 5 Years:
- 0%
- 3 Years:
- 0%
- Last Year:
- 0%
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - | - | - | - | - |
| Equity Capital | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 |
| -17 | -17 | -21 | -17 | -17 | -15 | -15 | -16 | -16 | -16 | |
| 11 | 11 | 10 | 8 | 8 | 5 | 3 | 4 | 4 | 4 | |
| 2 | 2 | 3 | 1 | 1 | 2 | 1 | 0 | 1 | 1 | |
| Total Liabilities | 11 | 10 | 7 | 7 | 7 | 7 | 4 | 3 | 3 | 3 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | |
| 4 | 4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Cash & Bank | 0 | 0 | 1 | 0 | 0 | 1 | 1 | 0 | 0 | 0 |
| 4 | 3 | 4 | 5 | 5 | 4 | 1 | 1 | 1 | 1 | |
| Total Assets | 11 | 10 | 7 | 7 | 7 | 7 | 4 | 3 | 3 | 3 |
| Total Debt | 11 | 11 | 10 | 8 | 8 | 5 | 3 | 4 | 4 | 4 |
| Net Working Capital | -9 | -9 | -9 | -5 | -5 | -3 | -3 | -4 | -4 | -4 |
| Contingent Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book Value per Share | -1.13 | -1.42 | -3.86 | -1.02 | -0.97 | 0.10 | -0.12 | -0.41 | -0.61 | -0.73 |
| 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 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -0 | -0 | 3 | -1 | 0 | 3 | 3 | -0 | 0 | 0 | |
| Cash from Investing | -0 | -0 | 0 | 4 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash from Financing | 1 | -0 | -2 | -4 | -0 | -3 | -3 | -0 | -0 | -0 |
| 0 | -0 | 1 | -1 | -0 | 0 | -0 | -0 | 0 | -0 | |
| Free Cash Flow | -1 | -0 | 3 | -1 | 0 | 3 | 3 | -0 | 0 | 0 |
| OCF / Net Profit | 0.64 | 0.47 | -0.73 | -0.32 | 3.12 | 1.93 | -8.58 | 0.27 | -0.32 | -0.77 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | 1 | 5 | 8 | 5 | 6 | 6 |
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 (₹) | -0.49 | -0.29 | -2.51 | 2.84 | 0.05 | 1.09 | -0.21 | -0.29 | -0.20 | -0.12 |
| Book Value (₹) | -1.13 | -1.42 | -3.86 | -1.02 | -0.97 | 0.10 | -0.12 | -0.41 | -0.61 | -0.73 |
| 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 (₹) | -0.44 | -0.25 | -2.47 | 2.88 | 0.09 | 1.12 | -0.18 | -0.26 | -0.17 | -0.09 |
| PROFITABILITY | ||||||||||
| Operating Margin % | 35.23% | 54.97% | -155.70% | 1012.20% | 104.61% | 101.05% | 0.00% | 0.00% | 0.00% | 0.00% |
| Net Margin % | -66.82% | -37.44% | -229.35% | 847.13% | 10.10% | 59.09% | 0.00% | 0.00% | 0.00% | 0.00% |
| ROE % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ROCE % | 3.65% | 6.71% | -42.86% | 101.99% | 12.03% | 49.27% | -4.04% | -3.42% | 1.82% | 4.29% |
| -7.04% | -4.18% | -45.30% | 61.26% | 1.04% | 22.97% | -5.93% | -12.60% | -8.90% | -5.44% | |
| EFFICIENCY | ||||||||||
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | 7 | 7 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 7 | 7 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| FINANCIAL HEALTH | ||||||||||
| Debt to Equity (x) | -6.19x | -4.90x | -1.68x | -4.90x | -5.11x | 32.73x | -18.15x | -5.82x | -4.00x | -3.36x |
| Interest Coverage (x) | 0.30x | 0.57x | -2.66x | 7.00x | 1.12x | 5.47x | -0.63x | -0.32x | 0.15x | 0.39x |
| 0.34x | 0.28x | 0.32x | 0.44x | 0.47x | 0.59x | 0.20x | 0.14x | 0.15x | 0.14x | |
| GROWTH | ||||||||||
| Revenue Growth % | 188.62% | 4.75% | 42.42% | -69.36% | 47.57% | 272.40% | -100.00% | 0.00% | 0.00% | 0.00% |
| Operating Profit Growth % | 101.68% | 63.48% | -503.36% | 299.21% | -84.75% | 259.73% | -104.37% | 51.53% | 266.45% | 62.65% |
| Net Profit Growth % | 96.96% | 41.31% | -772.40% | 213.18% | -98.24% | 2078.87% | -119.31% | -39.38% | 32.92% | 39.03% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -39.37% | 32.92% | 39.01% | |
| VALUATION | ||||||||||
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | -10.93x | -6.58x | -5.85x |
| 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 | -168.76x | 93.57x | 59.94x |
Documents
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