Assam Entrade Ltd.

•

assamentrade.comBSE: -NSE: ASSAMENT

Market Cap₹ 118 Cr.

Current Price

High / Low₹ 858 / 705

Stock P/E62.6

Book Value₹ 448

Price to Book1.37

Dividend Yield0.00 %

ROCE7.0 %

ROE5.0 %

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

Solid return on assets for a lender - ROA of 4.8%
Asset quality is healthy - gross NPA of just 0.0%
Company generates healthy free cash flow

CONS

Capital adequacy is tight at 0.0% - limited headroom to grow
A large part of profit comes from other income (104.8% of PBT)
Recent results are weak - TTM profit is down 56.5% versus prior year
Company has a low return on capital employed of 4.5%
Company has a low return on equity of 3.3% over last 3 years

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - Investment

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJAJFINSV	1990.00	31.43	318810.21	0.08	6296.67	18.15	42036.90	92.22	11.88	40.79
2.	AIIL	510.20	20.65	43327.49	0.00	11082.20	1075.19	14695.40	1109.37	30.27	88.91
3.	CHOLAHLDNG	1487.10	10.46	27924.39	0.09	1788.99	42.04	11113.57	42.92	10.52	57.53
4.	TVSHLTD	13055.20	13.41	26413.42	0.66	1173.58	73.77	17076.18	40.01	19.39	16.25
5.	CGCL	256.20	21.86	24650.38	0.08	353.38	102.04	1576.47	62.12	11.68	68.54
6.	MAHSCOOTER	13572.20	55.69	15511.08	1.62	3.32	-90.61	5.41	-81.52	1.06	84.10
7.	JSWHL	11458.70	92.58	12718.73	0.00	24.54	-92.74	34.58	14.97	0.58	92.45
8.	JMFINANCIL	129.45	11.91	12387.85	2.51	368.57	-19.66	1200.53	9.69	11.91	58.30
9.	TSFINV	403.15	18.39	8954.12	2.77	124.95	-92.11	305.57	102.23	3.47	53.35
10.	RELIGARE	247.65	155.41	8537.33	0.00	-46.98	-674.86	2353.40	1051.76	-1.28	-2.08
11.	KAMAHOLD	2341.45	8.07	7513.85	1.77	584.02	10.80	4657.56	7.07	20.86	22.01
12.	ASSAMENT	819.00	62.49	117.92	0.00	0.40	-17.81	3.26	101.54	6.69	3.06

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	2	2	2	2	2	2	2	2	3
	1	1	1	1	1	4	3	-0	1	2	4	2	3
Operating Profit	1	1	1	1	0	-2	-1	2	0	0	-2	-0	0
OPM %	56.86%	50.00%	57.14%	57.43%	23.63%	-77.82%	-24.36%	105.50%	27.16%	3.50%	-65.95%	-13.04%	3.09%
Other Income	0	0	0	-0	0	4	0	-0	0	0	5	-0	1
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	1	0	2	-1	2	1	-0	3	-1	1
Tax %	109.09%	25.00%	23.81%	24.29%	37.78%	25.22%	-0.00%	14.65%	22.22%	-0.00%	20.46%	-55.93%	27.82%
Net Profit	-0	0	0	1	0	2	-1	2	0	-0	2	-1	0
	-0	3	3	4	2	12	-5	12	3	-0	17	-6	0
Equity Capital	1	1	1	1	1	1	1	1	1	1	1	1	1
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
	5	8	8	4	8	5	6	6	7	9	10
	7	7	8	4	9	4	4	5	5	8	11
Operating Profit	2	1	2	2	2	2	3	1	3	4	—
OPM %	44	14	26	53	25	45	55	23	38	51	—
Other Income	4	0	2	2	3	1	2	1	0	4	5
Interest	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0
	2	1	2	2	2	2	3	1	2	4	3
Tax %	33	36	21	26	7	33	24	-25	44	26	37
Net Profit	1	1	1	1	2	1	2	1	1	3	2
EPS	0	5	10	0	11	10	16	10	9	21	—
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	7	5	10	10	11	10	16	10	9	21	—

COMPOUNDED SALES GROWTH

10 Years:: -2%
5 Years:: 2%
3 Years:: 14%

COMPOUNDED PROFIT GROWTH

10 Years:: 37%
5 Years:: 15%
3 Years:: 11%

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: —
1 Year:: —

RETURN ON EQUITY

10 Years:: 3%
5 Years:: 3%
3 Years:: 3%
Last Year:: 5%

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	1	1	1	1	1	1	1	1	1	1
	45	46	47	50	51	53	55	56	58	61
	6	3	5	3	2	0	0	2	0	0
	1	2	2	1	1	0	0	0	1	3
Total Liabilities	53	52	56	56	56	54	57	60	60	65
ASSETS	-	-	-	-	-	-	-	-	-	-
	2	2	2	2	2	2	2	2	2	2
Capital Work in Progress	0	0	0	0	0	0	1	1	1	6
	12	12	13	14	13	13	13	12	12	12
	1	1	2	4	2	2	2	3	3	5
Cash & Bank	8	2	0	0	2	0	2	0	1	1
	30	35	40	36	37	37	36	42	41	39
Total Assets	53	52	56	56	56	54	57	60	60	65
Total Debt	6	3	5	3	2	0	0	2	0	0
Net Working Capital	32	33	34	36	38	39	39	42	44	9
Contingent Liabilities	0	0	0	0	0	0	0	0	0	0
Book Value per Share	323.48	328.06	338.38	358.80	365.66	375.46	391.03	401.36	410.74	431.75
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
	-2	-3	-3	2	3	-0	2	-5	2	-0
Cash from Investing	4	0	-0	-0	-0	0	-1	1	0	0
Cash from Financing	1	-4	2	-2	-1	-2	-0	2	-2	0
	2	-6	-1	-0	2	-2	1	-1	0	0
Free Cash Flow	-2	-3	-3	2	3	-0	-0	-5	2	-4
OCF / Net Profit	-2.25	-4.72	-2.27	1.50	2.18	-0.13	0.82	-3.07	1.52	-0.01
Cumulative 5-Year FCF	0	0	0	0	-3	-1	2	0	0	-7

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 (₹)	7.44	4.59	10.33	9.83	10.65	9.80	15.57	10.33	9.30	21.01
Book Value (₹)	323.48	328.06	338.38	358.80	365.66	375.46	391.03	401.36	410.74	431.75
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 (₹)	7.65	4.71	10.41	9.85	10.65	9.80	17.30	11.46	10.10	21.67
PROFITABILITY
Operating Margin %	43.90%	13.81%	26.45%	53.09%	24.56%	44.64%	55.15%	23.33%	35.16%	1.11%
Net Margin %	23.12%	8.42%	17.80%	33.59%	19.72%	29.20%	38.48%	25.59%	18.43%	35.39%
ROE %	2.33%	1.41%	3.10%	2.82%	2.94%	2.65%	4.06%	2.61%	2.29%	4.99%
ROCE %	3.88%	2.08%	4.24%	4.11%	3.49%	3.96%	5.37%	2.06%	4.40%	7.03%
	2.04%	1.25%	2.76%	2.53%	2.74%	2.57%	4.03%	2.55%	2.23%	4.85%
EFFICIENCY
Debtor Days	0	0	0	0	0	0	0	0	0	0
Inventory Days	116	66	63	242	135	141	136	152	149	182
Payable Days	0	0	2	47	19	39	22	12	5	1
	116	66	61	195	115	102	115	140	144	180
FINANCIAL HEALTH
Debt to Equity (x)	0.13x	0.06x	0.11x	0.06x	0.04x	0.00x	0.00x	0.03x	0.00x	0.00x
Interest Coverage (x)	4.85x	30.26x	7.05x	6.77x	7.53x	55.31x	689.05x	259.13x	12.42x	21.95x
	5.67x	7.88x	5.73x	9.70x	12.72x	186.12x	83.46x	16.47x	47.85x	4.25x
GROWTH
Revenue Growth %	-56.15%	69.20%	6.60%	-49.62%	84.62%	-37.85%	20.53%	-0.24%	25.05%	17.63%
Operating Profit Growth %	590.23%	-46.76%	104.14%	1.14%	-14.60%	12.97%	48.89%	-57.80%	101.09%	59.95%
Net Profit Growth %	752.84%	-38.35%	125.26%	-4.90%	8.38%	-7.96%	58.82%	-33.66%	-9.93%	125.84%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-9.93%	125.84%
VALUATION
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	68.30x	28.19x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	1.55x	1.37x
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	33.38x	19.43x

Shareholding Pattern

Numbers in percentages

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	53.18	53.18	53.18	53.18	53.18	53.18	53.18	54.42
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
	46.82	46.82	46.82	46.82	46.82	46.82	46.82	45.58

Documents

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

No announcements filed.

News

Recent coverage and analyst commentary for ASSAMENT

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Assam Entrade Ltd.

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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

ASSAMENT

819.00

62.49

117.92

0.00

0.40

-17.81

3.26

101.54

6.69

3.06

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

Operating Profit

-2

-1

-2

-0

OPM %

56.86%

50.00%

57.14%

57.43%

23.63%

-77.82%

-24.36%

105.50%

27.16%

3.50%

-65.95%

-13.04%

3.09%

Other Income

-0

Interest

Depreciation

-1

-0

-1

Tax %

109.09%

25.00%

23.81%

24.29%

37.78%

25.22%

-0.00%

14.65%

22.22%

-0.00%

20.46%

-55.93%

27.82%

Net Profit

-0

-1

-0

-1

-0

-5

-0

-6

Equity Capital

Reserves

Promoter Pledge %

0.00%

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

TTM

Operating Profit

—

OPM %

—

Other Income

Interest

Depreciation

Tax %

-25

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

Capital Work in Progress

Cash & Bank

Total Assets

Total Debt

Net Working Capital

Contingent Liabilities

Book Value per Share

323.48

328.06

338.38

358.80

365.66

375.46

391.03

401.36

410.74

431.75

Face Value

10.00

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

-2

-3

-0

-5

-0

Cash from Investing

-0

-1

Cash from Financing

-4

-2

-1

-2

-0

-2

-6

-1

-0

-2

-1

Free Cash Flow

-2

-3

-0

-5

-4

OCF / Net Profit

-2.25

-4.72

-2.27

1.50

2.18

-0.13

0.82

-3.07

1.52

-0.01

Cumulative 5-Year FCF

-3

-1

-7

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

PER SHARE

EPS (₹)

7.44

4.59

10.33

9.83

10.65

9.80

15.57

10.33

9.30

21.01

Book Value (₹)

323.48

328.06

338.38

358.80

365.66

375.46

391.03

401.36

410.74

431.75

Dividend per Share (₹)

0.00

Cash EPS (₹)

7.65

4.71

10.41

9.85

10.65

9.80

17.30

11.46

10.10

21.67

PROFITABILITY

Operating Margin %

43.90%

13.81%

26.45%

53.09%

24.56%

44.64%

55.15%

23.33%

35.16%

1.11%

Net Margin %

23.12%

8.42%

17.80%

33.59%

19.72%

29.20%

38.48%

25.59%

18.43%

35.39%

ROE %

2.33%

1.41%

3.10%

2.82%

2.94%

2.65%

4.06%

2.61%

2.29%

4.99%

ROCE %

3.88%

2.08%

4.24%

4.11%

3.49%

3.96%

5.37%

2.06%

4.40%

7.03%

2.04%

1.25%

2.76%

2.53%

2.74%

2.57%

4.03%

2.55%

2.23%

4.85%

EFFICIENCY

Debtor Days

Inventory Days

116

242

135

141

136

152

149

182

Payable Days

116

195

115

102

115

140

144

180

FINANCIAL HEALTH

Debt to Equity (x)

0.13x

0.06x

0.11x

0.06x

0.04x

0.00x

0.03x

0.00x

Interest Coverage (x)

4.85x

30.26x

7.05x

6.77x

7.53x

55.31x

689.05x

259.13x

12.42x

21.95x

5.67x

7.88x

5.73x

9.70x

12.72x

186.12x

83.46x

16.47x

47.85x

4.25x

GROWTH

Revenue Growth %

-56.15%

69.20%

6.60%

-49.62%

84.62%

-37.85%

20.53%

-0.24%

25.05%

17.63%

Operating Profit Growth %

590.23%

-46.76%

104.14%

1.14%

-14.60%

12.97%

48.89%

-57.80%

101.09%

59.95%

Net Profit Growth %

752.84%

-38.35%

125.26%

-4.90%

8.38%

-7.96%

58.82%

-33.66%

-9.93%

125.84%

0.00%

-9.93%

125.84%

VALUATION

P/E (x)

0.00x

68.30x

28.19x

P/B (x)

0.00x

1.55x

1.37x

Dividend Yield %

0.00%

0.00x

33.38x

19.43x

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

53.18

54.42

FIIs

0.00

DIIs

0.00

Government

0.00

46.82

45.58

Assam Entrade Ltd.

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Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

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Documents

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Assam Entrade 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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