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Edelweiss Financial Services Ltd.

•
edelweissfin.comBSE: 532922NSE: EDELWEISS
Market Cap₹ 12,509 Cr.
Current Price
High / Low₹ 141 / 98
Stock P/E20.8
Book Value₹ 47
Price to Book2.19
Dividend Yield1.14 %
ROCE14.8 %
ROE16.2 %
Face Value₹ 1

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Capital Based Business: 45.7% • Life Insurance: 32.1% • Alternatives Business: 8.9%

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 21.8% CAGR over last 5 years
  • Comfortable capital adequacy - CAR of 28.8%
  • Solid return on assets for a lender - ROA of 4.9%
  • Company has consistently been profitable over the last 5 years
  • Latest quarter profit grew 30.9% YoY, showing strong momentum

CONS

  • Net NPA is elevated at 1.9% - provisioning cushion is thin
  • A large part of profit comes from other income (54.2% of PBT)
  • Company has delivered a poor sales growth of 2.2% over past five years
  • Operating margins have contracted to 29.7% from 35.0%
  • Company's return on assets is weak at 1.7%

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

Peer comparison

Financial ServicesFinanceFinance - NBFC
Part ofNIFTY MICROCAP250NIFTY TOTAL MKT
S.No.Name
1.BAJFINANCE1034.2031.71643888.190.586080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1028.0021.37241893.031.053452.7759.9013400.4317.4611.4974.63
3.CHOLAFIN1845.0027.40157575.180.111656.2245.568856.2921.899.7070.07
4.TATACAP362.8028.50154003.850.1616281.801464.1688219.301051.008.6675.72
5.JIOFIN230.0073.49151872.260.26830.25155.732004.47227.282.1169.71
6.BAJAJHLDNG11120.7013.97123766.171.752708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2794.409.86112186.351.072824.8443.088671.6036.2515.8783.76
8.ABCAPITAL398.6026.59109118.680.001223.8543.8512179.54137.848.8241.91
9.LTF309.5024.3777571.610.89915.9930.705212.9222.388.5462.13
10.SBICARD656.0527.4462432.550.38664.4419.515040.557.6011.7529.83
11.HDBFS668.6525.5355549.100.60785.2038.314937.9018.719.0957.98
12.EDELWEISS132.1520.7812508.541.14134.3730.852328.5028.0814.8026.89
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
1,6501,6181,8822,0121,8872,1741,3141,2561,8181,2023,7298322,328
1,2621,3661,5662,0581,4971,8141,1681,5531,4491,2553,2021,4202,330
Operating Profit7177908328697969817307277976061,005498626
OPM %43.46%48.83%44.20%43.17%42.19%45.13%55.56%57.86%43.82%50.37%26.95%59.85%26.89%
Other Income179171004347996335393115190
Interest680662727718701673613550686655589561558
Depreciation30313233343634433636373536
2410689218105319181196110-46788-47123
Tax %-224.23%10.75%-70.79%6.80%18.53%57.09%14.40%19.36%6.98%479.19%66.26%341.86%-9.63%
Net Profit000085137155158103175270132134
1112122212310

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
13,5618,87411,0789,8609,3576,8198,4819,3149,25010,4178,092
9,7283,5914,5187,3806,6094,0765,6716,2606,2767,3278,207
Operating Profit3,8335,2836,5592,4792,7492,7432,8103,0542,9753,090-115
OPM %28.26%59.53%59.21%25.15%29.37%40.22%33.13%32.79%32.16%29.67%-1.42%
274795891,491523156296511350392
Interest2,8103,8764,7834,7933,8342,9842,5752,7872,5372,4922,364
Depreciation106104132232260151138126147144144
Profit before Tax9431,3491,744-2,457146227385437802827817
Tax %41.85%37.95%40.11%16.81%-74.37%6.73%-5.41%-20.72%33.16%17.76%15.60%
Net Profit5488371,044-2,044254212406528536680689
EPS6.9210.1211.09-23.012.972.113.834.684.335.78—
Dividend Payout %18.01%13.62%12.49%0.00%48.69%68.99%39.16%32.05%34.65%25.97%—

COMPOUNDED SALES GROWTH

10 Years:
7%
5 Years:
2%
3 Years:
7%

COMPOUNDED PROFIT GROWTH

10 Years:
3%
5 Years:
16%
3 Years:
17%

STOCK PRICE CAGR

10 Years:
3%
5 Years:
10%
3 Years:
35%
1 Year:
17%

RETURN ON EQUITY

10 Years:
7%
5 Years:
10%
3 Years:
13%
Last Year:
16%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions

2026

Sep 11

₹ 1.50

Rs.1.5000 per share(150%)Dividend

2025

Sep 11

₹ 1.50

Rs.1.5000 per share(150%)Final Dividend

2024

Sep 17

₹ 1.50

Rs.1.5000 per share(150%)Final Dividend

2023

Sep 18

₹ 1.25

Rs.1.2500 per share(125%)Final Dividend

2023

Apr 13

₹ 0.25

Rs.0.2500 per share(25%)Interim Dividend

2022

Aug 25

₹ 1.20

Rs.1.2000 per share(120%)Final Dividend

2022

Apr 7

₹ 0.25

09/04/2022 25/04/2022 Equity Rs.0.2500 per share(25%)Interim Dividend

2021

Aug 26

₹ 0.55

Rs.0.5500 per share(55%)Final Dividend

2021

Apr 7

₹ 0.90

Rs.0.9000 per share(90%)Interim Dividend

2018

Jul 18

₹ 0.30

Rs.0.3000 per share(30%)Final Dividend

2018

Feb 2

₹ 1.05

Rs.1.0500 per share(105%)Interim Dividend

2017

Jul 20

₹ 0.30

Rs.0.3000 per share(30%)Dividend

2017

Feb 17

₹ 1

07/03/2017 Equity Rs.1.0000 per share(100%)Interim Dividend

2016

Mar 17

₹ 0.25

Rs.0.2500 per share (25%) Second Interim Dividend

2016

Feb 2

₹ 1

Rs.1.0000 per share(100%)Interim Dividend

2026

Sep 7

₹ 1.50

Rs.1.5000 per share(150%)Dividend

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital83878989899090909295
Minority Interest9589431,0381,0781,1001,0551,1021,2871,4931,321
4,2426,7477,5425,9586,3756,3716,5844,6354,3074,465
29,39449,69146,44836,66228,49022,72021,73732,91028,75730,533
Trade Payables2,0851,5911,9751,2834891,2901,4121,5701,1981,319
7,8503,8336,5718,2538,84810,68911,9288813,9953,908
Total Liabilities44,61262,89263,66353,32445,39242,21542,85341,37339,84341,640
6378789501,8991,4411,2941,1851,1351,1441,071
Capital Work in Progress9511011101401
6,8787,8878,7998,26711,30712,62717,16218,49117,57419,881
10,6524,9414,0831,7891,5751,5120000
0000000322309399
Cash & Bank2,6184,5626,4558,6104,7603,0393,6993,1315,0813,257
23,73244,62343,36532,74826,30723,74320,80618,29015,73417,031
Total Assets44,61262,89263,66353,32445,39242,21542,85341,37339,84341,640

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-13-12,4256,29912,5603,6975,8502,9552,8943,384897
Cash from Investing-4,336-530-1,3121994,085-1,058-425-4823,794-963
Cash from Financing5,11214,868-3,665-10,471-8,587-6,444-1,708-2,785-4,828-1,936
2791,3697081,827-1,044-1,910757-3732,350-2,002

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
32.7632.7432.7232.7132.7132.7032.6932.2632.26
28.3227.9826.8928.2325.3319.5518.4119.0319.47
2.693.083.223.133.745.095.716.447.24
Government0.000.000.000.000.000.000.000.000.00
36.2336.2037.1835.9338.2242.6643.2042.2741.03

Documents

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

2026-09-10
Updates

2026-09-10 - Edelweiss Financial Services Limited has informed the Exchange regarding 'Public Issue Of Non-Convertible Debentures'.

2026-09-04
Copy of Newspaper Publication

2026-09-04 - Edelweiss Financial Services Limited has informed the Exchange about Copy of Newspaper Publication

2026-09-04
Updates

2026-09-04 - Edelweiss Financial Services Limited has informed the Exchange regarding Disclosure under Regulation 30 of the SEBI (Listing Obligations and DisclosureRequirements) Regulations, 2015

2026-09-03
Record Date

2026-09-03 - Edelweiss Financial Services Limited has informed the Exchange that Record date for the purpose of Dividend is 13-Sep-2026.

2026-09-03
Updates

2026-09-03 - Edelweiss Financial Services Limited has informed the Exchange regarding ''.

2026-09-03
Shareholders meeting

2026-09-03 - Edelweiss Financial Services Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 28, 2026

2026-09-03
General Updates

2026-09-03 - Edelweiss Financial Services Limited has informed the Exchange about Allotment of Equity Shares under Edelweiss Employees Stock Incentive Plan, 2011

2026-08-27
Credit Rating- New

2026-08-27 - Edelweiss Financial Services Limited has informed the Exchange about Credit Rating- New

2026-08-26
Copy of Newspaper Publication

2026-08-26 - Edelweiss Financial Services Limited has informed the Exchange about Copy of Newspaper Publication

News

Recent coverage and analyst commentary for EDELWEISS

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