Ascom Leasing & Investments 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
- 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
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1055.00 | 32.35 | 656838.18 | 0.57 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1029.95 | 21.41 | 242345.54 | 1.05 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| TATACAP | 367.80 | 28.89 | 156126.28 | 0.15 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| CHOLAFIN | 1824.90 | 27.10 | 155858.50 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| JIOFIN | 233.50 | 74.61 | 154183.36 | 0.26 | 8302.50 | 2457.29 | 20044.70 | 3172.82 | 2.11 | 69.71 |
| BAJAJHLDNG | 11055.60 | 13.89 | 123041.65 | 1.76 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2896.70 | 10.23 | 116293.37 | 1.04 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 396.20 | 26.43 | 108461.67 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 308.50 | 24.30 | 77320.98 | 0.89 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 668.55 | 27.96 | 63622.10 | 0.37 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 682.70 | 26.07 | 56716.32 | 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 | — |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
No quarterly results found
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Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| 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 % | 8.41% | 22.39% | 82.11% | 73.80% | 69.38% | 65.89% | 58.91% | 57.55% | 56.79% | 58.51% |
| 0 | 0 | 0 | -1 | 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 |
| Profit before Tax | 0 | 1 | 5 | 5 | 6 | 6 | 6 | 7 | 7 | 7 |
| Tax % | 30.90% | 32.30% | 9.30% | 32.74% | 25.35% | 25.03% | 24.65% | 25.03% | 25.19% | 24.86% |
| Net Profit | 0 | 0 | 4 | 3 | 5 | 5 | 5 | 5 | 5 | 5 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 5.89 | 6.13 | 6.24 | 4.24 | 4.24 | 4.36 |
| Dividend Payout % | — | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
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
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 6 | 6 | 6 | 6 | 8 | 8 | 8 | 12 | 12 | 12 |
| 0 | 1 | 5 | 8 | 17 | 22 | 27 | 28 | 33 | 38 | |
| 0 | 1 | 5 | 10 | 10 | 7 | 4 | 0 | 2 | 7 | |
| 1 | 1 | 0 | 3 | 2 | 2 | 2 | 2 | 2 | 3 | |
| Total Liabilities | 7 | 8 | 16 | 27 | 37 | 39 | 41 | 42 | 49 | 60 |
| 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 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -5 | -0 | -3 | 5 | -2 | -0 | 7 | 3 | -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 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| 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
No announcements filed.
News
Recent coverage and analyst commentary for ASCOM
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Ascom Leasing & Investments Ltd.
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