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

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