Avonmore Capital & Management Services Ltd.

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avonmorecapital.inBSE: 511589NSE: AVONMORE

Market Cap₹ 404 Cr.

Current Price

High / Low₹ 22 / 9

Stock P/E26.2

Book Value₹ 14

Price to Book1.28

Dividend Yield0.00 %

ROCE13.8 %

ROE11.3 %

Face Value₹ 1

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ABOUT

KEY POINTS

Revenue Breakup Mar 2025 • Corporate Finance & Advisory Fee: 70.6% • Wealth/Broking activities: 11.3% • Investment activities: 8.8%

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

Company has delivered good profit growth of 37.6% CAGR over last 5 years
Company has a healthy return on capital (ROCE) of 27.4%
Solid return on assets for a lender - ROA of 5.4%
Company has a good return on equity (ROE) track record: 3 Years ROE 23.1%
Asset quality is healthy - gross NPA of just 0.0%

CONS

Capital adequacy is tight at 0.0% - limited headroom to grow
Recent results are weak - TTM profit is down 39.9% versus prior year
Promoter holding has decreased over last 2 years: -10.7pp
Equity base is being diluted - shares outstanding up 16.3%
Operating margins have contracted to 22.5% from 29.9%
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	1046.00	32.08	651234.82	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1038.00	21.58	244239.69	1.04	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1849.10	27.46	157925.34	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.95	28.51	154067.52	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	231.15	73.86	152631.62	0.26	830.25	155.73	2004.47	227.28	2.11	69.71
6.	BAJAJHLDNG	10971.00	13.79	122100.11	1.78	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2840.00	10.03	114017.05	1.06	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	400.00	26.68	109501.94	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	311.25	24.51	78010.22	0.88	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	666.00	27.86	63379.43	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	676.50	25.83	56201.25	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	AVONMORE	14.30	26.20	403.52	0.00	17.17	-76.45	49.52	49.65	13.79	39.68

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	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
	17	23	30	39	29	37	32	60	33	34	52	56	50
	16	21	27	42	28	32	31	51	31	30	41	73	38
Operating Profit	2	4	5	6	7	23	5	6	6	7	13	-11	20
OPM %	13.73%	16.26%	16.59%	14.92%	24.71%	61.37%	14.53%	10.50%	17.04%	21.82%	25.41%	-19.00%	39.68%
Other Income	1	1	1	1	0	0	0	1	1	0	0	0	0
Interest	1	1	1	1	1	1	1	1	1	0	1	0	1
Depreciation	1	1	1	2	1	1	1	1	2	2	2	2	1
	2	4	5	4	6	21	2	5	4	6	11	-13	18
Tax %	16.18%	10.51%	-1.55%	33.70%	33.39%	14.47%	62.34%	21.08%	48.06%	21.62%	25.18%	-5.26%	3.10%
Net Profit	0	0	0	0	86	19	15	86	73	6	153	-71	17
	0	0	0	1	0	1	0	0	0	0	0	-0	0

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	TTM
	786	943	776	79	69	68	84	211	124	180	192
	786	935	746	72	61	56	62	71	106	139	180
Operating Profit	0	7	30	6	8	11	21	141	17	40	12
OPM %	0.04%	0.79%	3.89%	8.09%	11.32%	16.54%	25.68%	66.54%	14.11%	22.51%	6.11%
	8	4	5	4	4	4	4	4	3	2	1
Interest	5	4	3	2	3	3	5	3	4	4	2
Depreciation	2	2	1	2	4	3	2	2	4	5	6
Profit before Tax	1	5	31	7	6	32	45	154	22	45	22
Tax %	91.65%	1.69%	18.60%	7.08%	-31.81%	8.07%	11.04%	20.73%	8.19%	16.49%	23.86%
Net Profit	0	5	25	6	8	30	40	122	20	38	17
EPS	0.00	0.00	0.00	0.00	0.00	8.99	13.38	48.84	5.31	1.03	—
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	—

COMPOUNDED SALES GROWTH

10 Years:: 28%
5 Years:: 21%
3 Years:: 29%

COMPOUNDED PROFIT GROWTH

10 Years:: 15%
5 Years:: 12%
3 Years:: -4%

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: 26%
1 Year:: -35%

RETURN ON EQUITY

10 Years:: 15%
5 Years:: 22%
3 Years:: 23%
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	24	24	24	24	24	24	24	23	23	28
Minority Interest	60	58	57	60	62	70	78	85	92	109
	75	82	109	109	126	148	180	251	274	341
	45	29	19	24	19	15	24	24	15	15
Trade Payables	1	2	4	2	4	4	11	6	15	11
	18	21	29	35	34	42	52	48	94	70
Total Liabilities	224	217	242	254	269	304	368	438	515	575
	36	35	37	9	15	11	11	15	24	27
Capital Work in Progress	0	2	0	0	0	0	4	0	0	0
	47	47	46	85	98	73	95	90	141	166
	30	11	13	2	2	6	8	51	12	13
	0	0	0	0	0	0	0	0	69	60
Cash & Bank	20	22	29	25	36	37	32	20	14	32
	91	101	117	134	119	177	219	262	255	277
Total Assets	224	217	242	254	269	304	368	438	515	575

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
	-79	7	-19	21	18	-9	1	51	42	-7
Cash from Investing	4	2	23	-16	4	2	12	-18	-36	-20
Cash from Financing	88	-9	8	-5	-6	-6	-8	-2	-13	45
	12	-0	6	-5	12	-7	4	-2	-7	18

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

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	69.17	69.17	69.38	58.38	58.38	58.46	58.46	58.46	58.46
	0.03	0.00	0.21	0.06	0.04	0.01	0.02	0.06	0.04
	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	30.79	30.82	30.41	41.55	41.57	41.52	41.51	41.47	41.49

Documents

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

2026-09-05

Copy of Newspaper Publication

2026-09-05 - Avonmore Capital & Management Services Limited has informed the Exchange about Copy of Newspaper Publication

2026-09-04

General Updates

2026-09-04 - Letter to Shareholders providing the Weblink of Annual Report ofFinancial Year 2025-26

2026-09-04

Shareholders meeting

2026-09-04 - Avonmore Capital & Management Services Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 30, 2026

2026-09-01

Outcome of Board Meeting

2026-09-01 - Avonmore Capital & Management Services Limited has informed the Exchange regarding Outcome of Board Meeting held on September 01, 2026.

2026-08-01

Copy of Newspaper Publication

2026-08-01 - Avonmore Capital & Management Services Limited has informed the Exchange about Copy of Newspaper Publication

2026-07-31

Press Release

2026-07-31 - Avonmore Capital & Management Services Limited has informed the Exchange regarding a press release dated July 31, 2026, titled "Press Release".

2026-07-31

Scheme of Arrangement

2026-07-31 - Avonmore Capital & Management Services Limited has informed the Exchange about Scheme of Arrangement

2026-07-31

Outcome of Board Meeting

2026-07-31 - Avonmore Capital & Management Services Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.

2026-07-06

Certificate under SEBI (Depositories and Participants) Regulations, 2018

2026-07-06 - Avonmore Capital & Management Services Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018

News

Recent coverage and analyst commentary for AVONMORE

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