AvenuesAI Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2026 • Payment Business: 97.2% • E-Commerce Platform Business: 2.8%
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
- Company has delivered good profit growth of 33.2% CAGR over last 5 years
- Company is almost debt free
- Company has consistently been profitable over the last 5 years
- Company has delivered good sales growth of 64.4% CAGR over last 5 years
- Latest quarter profit grew 45.1% YoY, showing strong momentum
- Strong cash generation - operating cash flow backs reported profits (CFO/PAT 1.95x)
CONS
- Company has a low return on capital employed of 7.7%
- Company has a low return on equity of 6.3% over last 3 years
- A large part of profit comes from other income (26.1% of PBT)
- Total debt has risen sharply - up 161.6% year on year
- Operating margins have contracted to 4.4% from 12.8%
- Recurring exceptional / one-off items are inflating headline profit
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| GROWW | 200.20 | 51.48 | 125597.40 | 0.00 | 7350.40 | — | 15014.20 | 1560.13 | 37.54 | 64.60 |
| PAYTM | 1806.25 | 178.29 | 115890.41 | 0.00 | 220.00 | 79.59 | 2448.00 | 27.67 | 3.87 | 8.29 |
| POLICYBZR | 1795.75 | 111.06 | 83098.83 | 0.00 | 1629.10 | 1824.51 | 18882.80 | 1300.81 | 10.84 | 7.24 |
| PINELABS | 202.35 | 183.43 | 23348.32 | 0.00 | 195.70 | 3985.59 | 7369.20 | 1096.47 | 4.21 | 12.88 |
| STYL | 386.25 | 23.69 | 6249.75 | 0.65 | 60.34 | 63.78 | 376.47 | 21.10 | 28.03 | 23.21 |
| CCAVENUE | 16.31 | 19.40 | 5702.66 | 0.00 | 84.77 | 45.08 | 2680.40 | 109.37 | 7.98 | 3.80 |
| TURTLEMINT | 136.25 | 0.00 | 4012.28 | 0.00 | -377.80 | — | 2940.80 | — | -38.38 | -11.20 |
| MOBIKWIK | 209.55 | 0.00 | 1650.14 | 0.00 | 7.62 | 118.17 | 281.48 | 3.73 | 8.02 | 2.88 |
| SUVIDHAA | 2.26 | 0.00 | 47.42 | 0.00 | -1.91 | 55.58 | 2.40 | 135.29 | -32.85 | -70.42 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 742 | 787 | 907 | 716 | 745 | 1,017 | 1,070 | 1,161 | 1,280 | 1,965 | 2,381 | 2,490 | 2,680 | |
| 694 | 717 | 841 | 648 | 676 | 938 | 992 | 1,083 | 1,209 | 1,869 | 2,286 | 2,397 | 2,624 | |
| Operating Profit | 49 | 70 | 66 | 68 | 69 | 78 | 78 | 78 | 71 | 96 | 96 | 92 | 56 |
| OPM % | 6.58% | 8.91% | 7.32% | 9.52% | 9.27% | 7.71% | 7.31% | 6.70% | 5.55% | 4.90% | 4.01% | 3.71% | 2.10% |
| 3 | 2 | 6 | 14 | 26 | 4 | 23 | 24 | 26 | 21 | 13 | 25 | 28 | |
| Interest | 1 | 1 | 0 | 1 | 1 | 2 | 2 | 3 | 2 | 3 | 3 | 10 | 10 |
| Depreciation | 16 | 17 | 17 | 17 | 16 | 17 | 19 | 18 | 18 | 19 | 18 | 22 | 34 |
| Profit before Tax | 35 | 55 | 55 | 64 | 78 | 63 | 80 | 81 | 77 | 95 | 87 | 86 | 87 |
| Tax % | 28.08% | 26.50% | 20.28% | 25.25% | 17.70% | 23.74% | 24.76% | 29.11% | 26.51% | 22.20% | 10.28% | -4.93% | 2.18% |
| Net Profit | 0 | 0 | 0 | 0 | 70 | 47 | 64 | 55 | 58 | 68 | 80 | 89 | 85 |
| 0.09 | 0.15 | 0.16 | 0.17 | 0.25 | 0.17 | 0.23 | 0.20 | 0.21 | 0.23 | 0.26 | 0.28 | 0.24 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 441 | 839 | 1,159 | 633 | 676 | 1,294 | 1,962 | 3,150 | 3,993 | 8,116 | 9,516 | |
| 375 | 683 | 983 | 482 | 534 | 1,149 | 1,783 | 2,896 | 3,689 | 7,760 | 9,176 | |
| Operating Profit | 67 | 157 | 176 | 151 | 142 | 145 | 180 | 254 | 304 | 356 | 341 |
| OPM % | 15.11% | 18.67% | 15.20% | 23.89% | 21.04% | 11.23% | 9.16% | 8.07% | 7.61% | 4.38% | 3.58% |
| 16 | 31 | 58 | 20 | 10 | 10 | 71 | 25 | 77 | 86 | 88 | |
| Interest | 4 | 6 | 6 | 4 | 4 | 2 | 2 | 3 | 9 | 19 | 26 |
| Depreciation | 22 | 66 | 82 | 87 | 75 | 63 | 62 | 67 | 70 | 77 | 93 |
| Profit before Tax | 56 | 115 | 153 | 132 | 82 | 98 | 182 | 208 | 308 | 341 | 355 |
| Tax % | 22.65% | 23.48% | 17.69% | 16.35% | 14.09% | 14.95% | 25.22% | 24.86% | 23.42% | 13.57% | 7.82% |
| Net Profit | 44 | 88 | 126 | 111 | 70 | 84 | 136 | 156 | 236 | 295 | 327 |
| EPS | 0.82 | 1.33 | 1.89 | 0.83 | 0.53 | 0.31 | 0.50 | 0.57 | 0.81 | 0.80 | — |
| Dividend Payout % | 0.00% | 12.30% | 0.00% | 6.16% | 9.20% | 15.47% | 9.59% | 8.80% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 37%
- 5 Years:
- 64%
- 3 Years:
- 61%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 40%
- 5 Years:
- 31%
- 3 Years:
- 26%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- —
RETURN ON EQUITY
- 10 Years:
- 5%
- 5 Years:
- 5%
- 3 Years:
- 6%
- Last Year:
- 7%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 54 | 54 | 66 | 66 | 133 | 268 | 268 | 278 | 279 | 349 |
| Minority Interest | -1 | 0 | -1 | -2 | -0 | -3 | 1 | -2 | 108 | 231 |
| 699 | 2,540 | 2,637 | 2,716 | 2,727 | 2,631 | 2,776 | 3,029 | 3,366 | 4,332 | |
| 136 | 67 | 42 | 32 | 24 | 28 | 20 | 88 | 174 | 435 | |
| Trade Payables | 17 | 25 | 18 | 30 | 22 | 39 | 15 | 15 | 32 | 25 |
| 127 | 282 | 410 | 287 | 644 | 892 | 1,025 | 1,734 | 1,409 | 1,929 | |
| Total Liabilities | 1,032 | 2,968 | 3,174 | 3,130 | 3,550 | 3,854 | 4,104 | 5,142 | 5,369 | 7,302 |
| 90 | 2,115 | 2,102 | 2,126 | 2,101 | 2,081 | 2,143 | 2,125 | 2,275 | 2,917 | |
| Capital Work in Progress | 99 | 24 | 22 | 0 | 0 | 0 | 0 | 97 | 120 | 1 |
| 60 | 27 | 102 | 392 | 457 | 394 | 461 | 543 | 485 | 814 | |
| 9 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 116 | 89 | 114 | |
| Cash & Bank | 307 | 183 | 133 | 99 | 178 | 210 | 272 | 696 | 331 | 928 |
| 466 | 609 | 816 | 513 | 814 | 1,170 | 1,227 | 1,566 | 2,067 | 2,528 | |
| Total Assets | 1,032 | 2,968 | 3,174 | 3,130 | 3,550 | 3,854 | 4,104 | 5,142 | 5,369 | 7,302 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 64 | 112 | 332 | 41 | 168 | 170 | 97 | 728 | 72 | 537 | |
| Cash from Investing | -558 | -16 | -222 | -37 | -64 | -55 | -88 | -448 | -672 | -911 |
| Cash from Financing | 162 | -97 | -54 | -26 | -9 | -36 | 37 | 178 | 208 | 957 |
| -338 | -15 | 32 | -40 | 82 | 31 | 61 | 458 | -391 | 582 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-11 - AvenuesAI Limited has informed the Exchange regarding Outcome of Rights Issue Committee Meeting - Conversion and Forfeiture of Partly Paid-up Equity Shares.
2026-09-04 - AvenuesAI Limited has informed the Exchange about Copy of Newspaper Advertisement Notice of 16th Annual General Meeting and E-voting information
2026-09-03 - AvenuesAI Limited has informed the Exchange regarding 'Business Responsibility and Sustainability Report for the Financial Year ended March 31, 2026'.
2026-09-03 - AvenuesAI Limited has informed the Exchange regarding Notice of 16th Annual General Meeting to be held on September 29, 2026
2026-08-26 - AvenuesAI Limited has informed the Exchange about Copy of Newspaper Publication.
2026-08-17 - AvenuesAI Limited has informed the Exchange about Transcript of Earnings Conference Call for the quarter ended June 30, 2026
2026-08-13 - AvenuesAI Limited has informed the Exchange about Copy of Newspaper Advertisement - 16th Annual General Meeting through Video Conferencing/Other Audio Visual Means Facility.
2026-08-11 - AvenuesAI Limited has informed the Exchange about Link of Recording
2026-08-11 - Monitoring Agency Report for the quarter ended June 30, 2026.
News
Recent coverage and analyst commentary for CCAVENUE
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AvenuesAI Ltd.
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