Avonmore Capital & Management Services Ltd.

•

avonmorecapital.inBSE: 511589NSE: AVONMORE

Market Cap₹ 368 Cr.

Current Price

High / Low₹ 24 / 9

Stock P/E1186.1

Book Value₹ 6

Price to Book2.63

Dividend Yield0.00 %

ROCE9.2 %

ROE9.2 %

Face Value₹ 1

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ABOUT

KEY POINTS

Revenue Breakup Mar 2025 • Income From Investment: 67.6% • Finance Activities: 25.4% • Debt & Equity Market Operations: 7.0%

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 5.4%
Asset quality is healthy - gross NPA of just 0.0%
Company has delivered good sales growth of 59.4% CAGR over last 5 years
Operating margins have improved to 91.9% from 65.7%

CONS

Capital adequacy is tight at 0.0% - limited headroom to grow
Recent results are weak - TTM profit is down 97.0% versus prior year
Promoter holding has decreased over last 2 years: -10.7pp
Company has a low return on capital employed of 10.8%
Company has a low return on equity of 9.3% over last 3 years

* 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	1060.50	32.52	660262.45	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1041.00	21.64	244945.59	1.04	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	TATACAP	375.00	29.46	159182.59	0.15	16281.80	1464.16	88219.30	1051.00	8.66	75.72
4.	JIOFIN	239.85	76.64	158376.35	0.25	830.25	155.73	2004.47	227.28	2.11	69.71
5.	CHOLAFIN	1839.00	27.31	157062.74	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
6.	BAJAJHLDNG	11148.75	14.01	124078.35	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2920.00	10.31	117228.79	1.03	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	404.80	27.00	110815.96	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	314.00	24.73	78699.47	0.88	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	657.90	27.52	62608.60	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	682.25	26.05	56678.94	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	AVONMORE	13.03	23.88	367.69	0.00	17.17	-76.45	49.52	49.65	13.79	39.68

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
	2	2	2	2	2	5	0	1	2	2	2	3	2
	1	2	0	0	0	0	1	1	1	0	1	2	2
Operating Profit	1	1	2	2	1	21	-0	1	2	2	1	0	2
OPM %	41.98%	40.82%	84.91%	119.05%	80.12%	440.04%	-160.00%	135.71%	100.00%	153.59%	61.06%	14.84%	72.53%
Other Income	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest	2	2	2	2	2	2	1	1	1	1	1	1	1
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
	-1	-1	0	0	-1	19	-2	-1	1	1	0	-1	0
Tax %	27.03%	34.25%	-236.00%	76.19%	-70.37%	12.17%	-23.98%	129.63%	25.96%	32.99%	-100.00%	28.89%	4.00%
Net Profit	-1	-0	1	0	-1	17	-2	0	1	1	0	-1	0
	-0	-0	0	0	-0	1	-0	0	0	0	0	-0	0

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
	6	12	39	4	2	3	4	8	10	24	9
	5	5	13	1	2	2	2	3	4	2	6
Operating Profit	1	6	26	2	1	1	2	6	6	22	3
OPM %	20.39%	53.38%	67.73%	61.84%	24.81%	27.02%	51.99%	68.84%	62.61%	91.91%	35.48%
	0	0	0	0	0	0	1	27	0	0	0
Interest	0	0	0	0	0	0	0	6	7	6	5
Depreciation	0	0	0	0	0	0	0	0	0	0	0
Profit before Tax	2	6	26	2	1	1	2	27	-1	16	0
Tax %	5.55%	0.11%	21.26%	-7.99%	19.88%	19.08%	27.89%	25.10%	89.73%	14.85%	11.43%
Net Profit	1	6	21	3	1	0	1	20	-0	14	0
EPS	0.00	0.00	0.00	0.00	0.00	0.19	0.57	8.57	-0.03	0.49	—
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:: 5%
5 Years:: 59%
3 Years:: 88%

COMPOUNDED PROFIT GROWTH

10 Years:: 15%
5 Years:: 84%
3 Years:: 115%

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: 21%
1 Year:: -31%

RETURN ON EQUITY

10 Years:: 7%
5 Years:: 6%
3 Years:: 9%
Last Year:: 9%

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
Equity Capital	24	24	24	24	24	24	24	23	23	28
	46	52	73	76	76	77	78	89	97	152
	1	0	0	0	0	10	0	104	109	79
	1	1	1	0	0	0	29	6	10	10
Total Liabilities	73	77	98	100	101	111	131	222	238	269
	0	0	0	0	0	0	0	0	1	1
	61	71	62	64	64	64	65	100	159	151
	1	0	0	0	0	0	0	30	0	2
	0	0	0	0	0	0	0	0	5	5
Cash & Bank	0	2	0	1	7	3	0	4	0	8
	11	4	35	35	30	44	66	88	74	103
Total Assets	73	77	98	100	101	111	131	222	238	269

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
	-8	-2	-32	4	6	-12	8	-68	49	-10
Cash from Investing	7	-3	36	-2	-0	-0	-0	-9	-50	5
Cash from Financing	1	6	0	0	0	9	-10	88	-2	13
	0	2	-2	1	5	-4	-2	3	-4	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 (₹)	0.59	2.56	8.52	1.11	0.27	0.19	0.57	8.68	-0.03	0.49
Book Value (₹)	28.94	31.49	40.01	41.15	41.42	41.62	42.19	48.14	51.39	6.37
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 (₹)	0.06	0.24	0.80	0.11	0.03	0.02	0.06	0.81	-0.00	0.49
PROFITABILITY
Operating Margin %	22.04%	53.71%	67.77%	72.26%	36.39%	33.60%	65.75%	407.93%	62.61%	91.91%
Net Margin %	22.47%	53.14%	53.35%	71.53%	27.70%	15.50%	37.73%	251.47%	-0.81%	56.59%
ROE %	2.05%	8.46%	23.83%	2.73%	0.65%	0.46%	1.35%	18.87%	-0.07%	9.16%
ROCE %	2.39%	8.40%	30.04%	2.73%	0.85%	0.95%	2.23%	20.51%	2.78%	9.18%
	2.00%	8.28%	23.62%	2.72%	0.65%	0.44%	1.14%	11.46%	-0.03%	5.41%
EFFICIENCY
Debtor Days	0	4	34	783	1269	932	872	366	214	71
Inventory Days	26	9	2	27	9	0	0	1371	0	33
Payable Days	4	0	0	0	0	0	0	0	0	0
	22	12	36	810	1277	932	872	1737	214	104
FINANCIAL HEALTH
Debt to Equity (x)	0.02x	0.00x	0.00x	0.00x	0.00x	0.09x	0.00x	0.92x	0.90x	0.44x
Interest Coverage (x)	9.01x	108.82x	8197.71x	12.12x	20.81x	2.33x	4.95x	5.68x	0.89x	3.55x
	6.86x	50.11x	757.72x	39.82x	45.60x	4.47x	2.30x	1.11x	0.67x	1.32x
GROWTH
Revenue Growth %	-58.41%	84.36%	231.84%	-90.30%	-37.37%	28.06%	21.08%	120.76%	23.22%	144.34%
Operating Profit Growth %	-64.00%	349.19%	318.76%	-89.66%	-68.46%	18.26%	136.91%	1269.74%	-80.92%	259.70%
Net Profit Growth %	-58.43%	336.02%	233.17%	-86.99%	-75.75%	-28.35%	194.78%	1371.20%	-100.40%	0.00%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-100.40%	1518.68%
VALUATION
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	34.46x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	1.70x	2.63x
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	49.85x	24.14x

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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