Edelweiss Financial Services Ltd.

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edelweissfin.comBSE: 532922NSE: EDELWEISS

Market Cap₹ 12,509 Cr.

Current Price

High / Low₹ 141 / 98

Stock P/E27.7

Book Value₹ 65

Price to Book1.56

Dividend Yield1.14 %

ROCE9.3 %

ROE7.8 %

Face Value₹ 1

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ABOUT

KEY POINTS

Revenue Breakup Mar 2024 • Holding Company Activities: 98.6% • Unallocated: 1.0% • Agency Business: 0.4%

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

Comfortable capital adequacy - CAR of 28.8%
Solid return on assets for a lender - ROA of 4.9%
Company has been maintaining a healthy dividend payout of 31.7%
Company has a consistent dividend-paying track record

CONS

Net NPA is elevated at 1.9% - provisioning cushion is thin
A large part of profit comes from other income (92.0% of PBT)
Company has a low return on capital employed of 7.3%
Company has a low return on equity of 5.9% over last 3 years
Operating margins have contracted to 78.3% from 108.7%
Company has delivered a poor profit growth of -9.0% over past five years

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

Peer comparison

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY MICROCAP250 NIFTY TOTAL MKT

S.No.	Name
1.	BAJFINANCE	1034.20	31.71	643888.19	0.58	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1028.00	21.37	241893.03	1.05	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1845.00	27.40	157575.18	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.80	28.50	154003.85	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	230.00	73.49	151872.26	0.26	830.25	155.73	2004.47	227.28	2.11	69.71
6.	BAJAJHLDNG	11120.70	13.97	123766.17	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2794.40	9.86	112186.35	1.07	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	398.60	26.59	109118.68	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	309.50	24.37	77571.61	0.89	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	656.05	27.44	62432.55	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	668.65	25.53	55549.10	0.60	785.20	38.31	4937.90	18.71	9.09	57.98
12.	EDELWEISS	132.15	20.78	12508.54	1.14	134.37	30.85	2328.50	28.08	14.80	26.89

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
	98	7	-143	-101	-25	148	105	110	166	122	129	130	245
	65	42	37	41	15	40	21	18	8	24	52	-124	146
Operating Profit	33	-34	-180	-142	-40	108	84	92	158	99	76	255	205
OPM %	33.77%	-456.61%	126.00%	140.49%	157.15%	73.00%	80.23%	83.74%	95.21%	80.74%	58.67%	195.25%	83.80%
Other Income	3	259	3	902	0	2	42	1	1	0	281	1	0
Interest	81	90	79	77	78	82	101	84	88	96	103	102	106
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
	-45	135	-257	682	-118	29	25	9	70	3	255	153	99
Tax %	102.33%	-16.54%	24.14%	-7.28%	24.74%	-1.39%	63.76%	117.74%	7.27%	-1111.44%	26.78%	-5.83%	29.43%
Net Profit	1	158	-195	732	-89	29	9	-2	65	33	187	162	70
	0	2	-2	8	-1	0	0	-0	1	0	2	2	0

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	450	421	303	235	344	836	2,409	-139	338	547	626
	164	189	210	144	930	309	482	185	94	119	97
Operating Profit	287	231	93	91	-586	528	1,927	-324	244	429	530
OPM %	63.70%	55.04%	30.74%	38.65%	-170.26%	63.07%	80.01%	232.93%	72.24%	78.31%	84.59%
	0	20	33	24	1,378	542	690	1,167	46	443	282
Interest	141	75	16	32	97	214	303	327	344	389	407
Depreciation	3	4	4	3	1	0	0	0	0	0	0
Profit before Tax	144	173	106	80	694	855	2,315	516	-54	482	511
Tax %	10.16%	20.03%	2.88%	-3.81%	-3.21%	-9.20%	-3.18%	-34.86%	4.33%	7.15%	11.45%
Net Profit	129	138	103	83	716	933	2,388	695	-52	448	452
EPS	1.49	1.62	1.15	0.92	8.01	10.43	26.59	7.73	-0.56	4.73	—
Dividend Payout %	83.90%	85.01%	120.81%	0.00%	18.04%	13.95%	5.64%	19.39%	-266.24%	31.73%	—

COMPOUNDED SALES GROWTH

10 Years:: 5%
5 Years:: 10%
3 Years:: -39%

COMPOUNDED PROFIT GROWTH

10 Years:: 11%
5 Years:: -9%
3 Years:: -43%

STOCK PRICE CAGR

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

RETURN ON EQUITY

10 Years:: 12%
5 Years:: 16%
3 Years:: 6%
Last Year:: 8%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	83	87	89	89	89	90	90	90	92	95
	1,632	3,217	3,216	3,284	3,924	4,834	7,096	5,336	5,402	5,947
	740	21	367	147	838	2,432	2,589	3,048	3,137	3,995
Trade Payables	14	26	11	5	235	95	223	311	20	59
	332	301	369	125	857	475	532	-286	-294	-270
Total Liabilities	2,802	3,653	4,051	3,650	5,943	7,926	10,529	8,499	8,357	9,826
	7	7	5	3	1	1	1	1	19	18
	1,663	2,736	3,339	3,467	4,382	4,963	7,210	4,608	5,031	5,726
	0	0	0	0	0	0	0	15	37	19
Cash & Bank	32	15	17	2	149	516	139	47	5	44
	1,100	896	691	178	1,412	2,446	3,179	3,827	3,266	4,019
Total Assets	2,802	3,653	4,051	3,650	5,943	7,926	10,529	8,499	8,357	9,826

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	238	322	-17	57	117	-510	-309	-1,266	-518	-120
Cash from Investing	-31	-918	-244	221	-570	-430	285	1,265	604	-444
Cash from Financing	-179	604	263	-270	599	1,280	-284	-88	-128	603
	10	-21	1	-10	147	314	-327	-89	-43	39

Ratios

Standalone Figures in Rs. Crores / View Consolidated

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

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	32.76	32.74	32.72	32.71	32.71	32.70	32.69	32.26	32.26
	28.32	27.98	26.89	28.23	25.33	19.55	18.41	19.03	19.47
	2.69	3.08	3.22	3.13	3.74	5.09	5.71	6.44	7.24
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	36.23	36.20	37.18	35.93	38.22	42.66	43.20	42.27	41.03

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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