Ascom Leasing & Investments Ltd.

•

ascomfinance.comBSE: -NSE: ASCOM

Market Cap₹ 247 Cr.

Current Price

High / Low₹ 285 / 90

Stock P/E47.3

Book Value₹ 42

Price to Book4.96

Dividend Yield0.00 %

ROCE14.4 %

ROE10.8 %

Face Value₹ 10

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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

Comfortable capital adequacy - CAR of 95.0%
Solid return on assets for a lender - ROA of 9.4%
Asset quality is healthy - gross NPA of just 0.0%
Company generates healthy free cash flow

CONS

Company has delivered a poor profit growth of 2.1% over past five years
Company has delivered a poor sales growth of 4.9% over past five years
Recurring exceptional / one-off items are inflating headline profit
Thin net interest margin of 0.0%

* 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	1053.10	32.29	655655.25	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1059.70	22.03	249345.67	1.02	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	TATACAP	368.15	28.92	156274.85	0.15	16281.80	1464.16	88219.30	1051.00	8.66	75.72
4.	JIOFIN	235.95	75.39	155801.13	0.25	830.25	155.73	2004.47	227.28	2.11	69.71
5.	CHOLAFIN	1813.45	26.93	154880.60	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
6.	BAJAJHLDNG	11342.45	14.25	126234.11	1.72	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2905.00	10.25	116626.59	1.03	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	394.80	26.33	108076.98	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	309.45	24.37	77559.08	0.89	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	631.85	26.43	60129.57	0.40	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	675.65	25.80	56130.63	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	ASCOM	210.90	47.26	247.05	0.00	—	—	—	—	14.35	—

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

No standalone quarterly results found

We don't have this information yet. Please check back later.

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
	1	4	6	9	10	11	12	12	12	13
	1	3	1	2	3	4	5	5	5	5
Operating Profit	0	1	5	7	7	7	7	7	7	8
OPM %	11	23	83	74	70	66	59	58	57	59
Other Income	0	0	0	0	0	0	0	0	0	0
Interest	0	0	0	1	1	0	1	0	0	1
Depreciation	0	0	0	0	0	0	0	0	0	0
	0	1	5	5	6	6	6	7	7	7
Tax %	31	32	9	33	25	25	25	25	25	25
Net Profit	0	0	4	3	5	5	5	5	5	5
EPS	0	0	0	0	6	6	6	4	4	4
Dividend Payout %	—	0	0	0	0	0	0	0	0	0
Minority Interest	0	0	0	0	0	0	0	0	0	0
Share of Associates	0	0	0	0	0	0	0	0	0	0
Adjusted EPS	0	1	5	4	4	4	4	4	4	4

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: 5%
3 Years:: 1%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: 2%
3 Years:: 2%

STOCK PRICE CAGR

10 Years:: —
5 Years:: 56%
3 Years:: -7%
1 Year:: 9%

RETURN ON EQUITY

10 Years:: 18%
5 Years:: 14%
3 Years:: 12%
Last Year:: 11%

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	6	6	6	6	8	8	8	12	12	12
	0	1	5	8	17	22	27	28	33	38
	0	0	0	4	3	1	0	0	0	0
	1	2	5	9	9	9	6	2	5	10
Total Liabilities	7	8	16	27	37	39	41	42	49	60
ASSETS	-	-	-	-	-	-	-	-	-	-
	0	0	0	0	0	0	0	0	0	1
	0	0	0	0	0	0	0	0	3	4
Cash & Bank	1	1	0	5	6	4	5	3	2	6
	6	7	16	22	30	35	36	39	44	49
Total Assets	7	8	16	27	37	39	41	42	49	60
Total Debt	0	1	5	10	10	7	4	0	2	7
Net Working Capital	6	7	15	3	6	6	9	7	7	12
Contingent Liabilities	0	0	0	0	0	0	0	0	0	0
Book Value per Share	10.10	10.81	18.71	24.73	31.70	37.96	44.29	33.83	38.13	42.49
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
	-5	-0	-4	3	-4	-2	5	2	-0	1
Cash from Investing	-0	-0	-0	-0	-0	-0	-0	-0	-3	-0
Cash from Financing	6	1	3	1	5	-1	-4	-4	2	4
	0	0	-0	5	1	-3	1	-2	-1	4
Free Cash Flow	-5	-1	-4	3	-4	-2	5	2	-0	0
OCF / Net Profit	-124.27	-0.65	-0.80	1.01	-0.84	-0.44	1.09	0.31	-0.03	0.11
Cumulative 5-Year FCF	0	0	0	0	0	-7	-1	4	0	4

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 (₹)	0.00	0.87	7.79	6.06	5.89	6.13	6.24	4.24	4.24	4.36
Book Value (₹)	10.10	10.81	18.71	24.73	31.70	37.96	44.29	33.83	38.13	42.49
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 (₹)	0.05	0.64	5.26	4.26	4.14	4.26	4.32	4.39	4.36	4.43
PROFITABILITY
Operating Margin %	11.14%	23.46%	82.64%	73.80%	69.77%	65.89%	58.91%	57.55%	56.79%	58.51%
Net Margin %	4.62%	13.40%	71.53%	37.77%	45.21%	44.77%	39.15%	40.83%	40.26%	39.56%
ROE %	0.80%	8.46%	53.28%	27.89%	23.68%	17.61%	15.17%	13.37%	11.78%	10.82%
ROCE %	1.62%	11.26%	43.35%	28.29%	23.26%	19.16%	18.99%	17.41%	15.73%	14.35%
	0.66%	6.57%	36.51%	15.97%	14.43%	12.61%	12.18%	11.96%	10.84%	9.37%
EFFICIENCY
Debtor Days	2280	654	650	0	53	0	0	0	102	106
Inventory Days	0	0	0	0	0	0	0	0	0	0
Payable Days	0	0	0	0	0	0	0	0	0	0
	2280	654	650	0	53	0	0	0	102	106
FINANCIAL HEALTH
Debt to Equity (x)	0.07x	0.19x	0.47x	0.73x	0.39x	0.25x	0.11x	0.01x	0.05x	0.15x
Interest Coverage (x)	2.51x	9.25x	28.08x	10.64x	10.15x	15.27x	10.47x	34.37x	32.81x	11.19x
	33.10x	18.73x	33.51x	1.42x	2.41x	3.49x	4.92x	3.93x	3.87x	5.53x
GROWTH
Revenue Growth %	0.00%	283.26%	71.32%	47.24%	11.31%	5.10%	16.36%	-2.37%	1.51%	4.76%
Operating Profit Growth %	0.00%	706.75%	503.57%	31.48%	5.23%	-0.74%	4.04%	-4.62%	0.17%	7.93%
Net Profit Growth %	0.00%	1012.81%	814.30%	-22.24%	33.21%	4.09%	1.76%	1.81%	0.11%	2.92%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.11%	2.92%
VALUATION
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	55.67x	0.00x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	6.19x	0.00x
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	39.52x	1.67x

Shareholding Pattern

Numbers in percentages

	Sep 2022	Mar 2023	Sep 2023	Mar 2024	Sep 2024	Mar 2025	Sep 2025	Mar 2026
	73.98	73.98	73.98	73.98	73.98	74.85	74.85	74.85
FIIs	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
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	26.02	26.02	26.02	26.02	26.02	25.15	25.15	25.15

Documents

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

No announcements filed.

News

Recent coverage and analyst commentary for ASCOM

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Ascom Leasing & Investments Ltd.

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Free 5nance Account

Name

BAJFINANCE

1053.10

32.29

655655.25

0.57

6080.60

27.60

23165.45

20.37

10.87

70.70

SHRIRAMFIN

1059.70

22.03

249345.67

1.02

3452.77

59.90

13400.43

17.46

11.49

74.63

TATACAP

368.15

28.92

156274.85

0.15

16281.80

1464.16

88219.30

1051.00

8.66

75.72

JIOFIN

235.95

75.39

155801.13

0.25

830.25

155.73

2004.47

227.28

2.11

69.71

CHOLAFIN

1813.45

26.93

154880.60

0.11

1656.22

45.56

8856.29

21.89

9.70

70.07

BAJAJHLDNG

11342.45

14.25

126234.11

1.72

2708.08

-92.27

394.33

23.34

14.81

684.72

MUTHOOTFIN

2905.00

10.25

116626.59

1.03

2824.84

43.08

8671.60

36.25

15.87

83.76

ABCAPITAL

394.80

26.33

108076.98

0.00

1223.85

43.85

12179.54

137.84

8.82

41.91

LTF

309.45

24.37

77559.08

0.89

915.99

30.70

5212.92

22.38

8.54

62.13

SBICARD

631.85

26.43

60129.57

0.40

664.44

19.51

5040.55

7.60

11.75

29.83

HDBFS

675.65

25.80

56130.63

0.59

785.20

38.31

4937.90

18.71

9.09

57.98

ASCOM

210.90

47.26

247.05

0.00

—

14.35

—

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Operating Profit

OPM %

Other Income

Interest

Depreciation

Tax %

Net Profit

EPS

Dividend Payout %

—

Minority Interest

Share of Associates

Adjusted EPS

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

LIABILITIES

Equity Capital

Total Liabilities

ASSETS

Cash & Bank

Total Assets

Total Debt

Net Working Capital

Contingent Liabilities

Book Value per Share

10.10

10.81

18.71

24.73

31.70

37.96

44.29

33.83

38.13

42.49

Face Value

10.00

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

-5

-0

-4

-2

-0

Cash from Investing

-0

-3

-0

Cash from Financing

-1

-4

-0

-3

-2

-1

Free Cash Flow

-5

-1

-4

-2

-0

OCF / Net Profit

-124.27

-0.65

-0.80

1.01

-0.84

-0.44

1.09

0.31

-0.03

0.11

Cumulative 5-Year FCF

-7

-1

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

PER SHARE

EPS (₹)

0.00

0.87

7.79

6.06

5.89

6.13

6.24

4.24

4.36

Book Value (₹)

10.10

10.81

18.71

24.73

31.70

37.96

44.29

33.83

38.13

42.49

Dividend per Share (₹)

0.00

Cash EPS (₹)

0.05

0.64

5.26

4.26

4.14

4.26

4.32

4.39

4.36

4.43

PROFITABILITY

Operating Margin %

11.14%

23.46%

82.64%

73.80%

69.77%

65.89%

58.91%

57.55%

56.79%

58.51%

Net Margin %

4.62%

13.40%

71.53%

37.77%

45.21%

44.77%

39.15%

40.83%

40.26%

39.56%

ROE %

0.80%

8.46%

53.28%

27.89%

23.68%

17.61%

15.17%

13.37%

11.78%

10.82%

ROCE %

1.62%

11.26%

43.35%

28.29%

23.26%

19.16%

18.99%

17.41%

15.73%

14.35%

0.66%

6.57%

36.51%

15.97%

14.43%

12.61%

12.18%

11.96%

10.84%

9.37%

EFFICIENCY

Debtor Days

2280

654

650

102

106

Inventory Days

Payable Days

2280

654

650

102

106

FINANCIAL HEALTH

Debt to Equity (x)

0.07x

0.19x

0.47x

0.73x

0.39x

0.25x

0.11x

0.01x

0.05x

0.15x

Interest Coverage (x)

2.51x

9.25x

28.08x

10.64x

10.15x

15.27x

10.47x

34.37x

32.81x

11.19x

33.10x

18.73x

33.51x

1.42x

2.41x

3.49x

4.92x

3.93x

3.87x

5.53x

GROWTH

Revenue Growth %

0.00%

283.26%

71.32%

47.24%

11.31%

5.10%

16.36%

-2.37%

1.51%

4.76%

Operating Profit Growth %

0.00%

706.75%

503.57%

31.48%

5.23%

-0.74%

4.04%

-4.62%

0.17%

7.93%

Net Profit Growth %

0.00%

1012.81%

814.30%

-22.24%

33.21%

4.09%

1.76%

1.81%

0.11%

2.92%

0.00%

0.11%

2.92%

VALUATION

P/E (x)

0.00x

55.67x

0.00x

P/B (x)

0.00x

6.19x

0.00x

Dividend Yield %

0.00%

0.00x

39.52x

1.67x

Sep 2022

Mar 2023

Sep 2023

Mar 2024

Sep 2024

Mar 2025

Sep 2025

Mar 2026

73.98

74.85

FIIs

0.00

DIIs

0.00

Government

0.00

26.02

25.15

Ascom Leasing & Investments Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

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Ascom Leasing & Investments 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