Ladderup Finance Ltd.

•

ladderup.comBSE: -NSE: LADDERUP

Market Cap₹ 50 Cr.

Current Price

High / Low₹ 54 / 43

Stock P/E10.3

Book Value₹ 55

Price to Book0.83

Dividend Yield0.00 %

ROCE-3.0 %

ROE-8.3 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2025 • Finance Activities: 87.0% • Investment & Trading Activities: 13.0%

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

Promoters have been increasing their shareholding - up 12.1pp over 2 years
Asset quality is healthy - gross NPA of just 0.0%
Latest quarter profit grew 180.0% YoY, showing strong momentum
Company generates healthy free cash flow

CONS

Company is loss-making at the operating / net level
Capital adequacy is tight at 0.0% - limited headroom to grow
Company has a low return on equity of -7.1% over last 3 years
Company has a low return on capital employed of -2.1%
Company's sales have been declining over the last five 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.	LADDERUP	47.50	8.89	50.36	0.00	4.09	98.49	9.32	61.25	8.85	54.29

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
	0	0	0	0	0	1	0	0	2	0	0	7	5
	0	0	0	0	0	-1	2	2	0	0	1	2	1
Operating Profit	-0	-0	-0	-0	-0	2	-1	-2	2	-0	-1	5	4
OPM %	-78.95%	-20.00%	-116.67%	-75.00%	-173.33%	183.15%	-1200.00%	-1460.00%	83.25%	-136.84%	-435.71%	70.71%	92.60%
Other Income	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest	0	0	0	0	0	0	1	1	1	1	1	1	1
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
	-0	-0	-0	-0	-1	1	-2	-3	1	-1	-1	4	4
Tax %	-19.05%	-157.14%	61.11%	-1260.98%	1.72%	125.42%	-8.33%	28.47%	0.00%	-0.00%	-0.00%	20.09%	15.95%
Net Profit	-0	-0	-0	-6	-1	-0	-2	-2	1	-1	-1	4	3
	-0	-0	-0	-4	-0	-0	-2	-2	1	-1	-1	3	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
	4	15	11	3	2	2	1	1	1	1	12
	1	2	3	2	2	1	1	3	1	5	4
Operating Profit	3	14	8	1	-0	0	-0	-1	-1	-4	8
OPM %	82.84%	88.82%	76.37%	43.86%	-4.58%	13.36%	-7.27%	-111.28%	-65.04%	-291.73%	65.90%
	0	0	-0	0	0	0	0	0	0	1	0
Interest	0	1	1	2	1	0	0	0	1	2	2
Depreciation	0	0	0	0	0	0	0	0	0	0	0
Profit before Tax	3	13	6	-0	-1	0	-0	-2	-1	-4	6
Tax %	1.63%	0.72%	0.57%	36.06%	2.79%	225.71%	-12.13%	16.30%	-466.73%	-20.55%	23.82%
Net Profit	3	13	6	-0	-1	-0	-0	-2	-6	-5	5
EPS	0.00	0.00	0.00	0.00	-1.06	-0.06	-0.29	-1.27	-4.92	-4.75	—
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:: -7%
5 Years:: -8%
3 Years:: -3%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: —
3 Years:: —

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: —
1 Year:: —

RETURN ON EQUITY

10 Years:: 2%
5 Years:: -4%
3 Years:: -7%
Last Year:: -8%

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	13	13	13	13	13	13	13	13	13	11
	25	38	44	53	40	42	47	46	53	45
	3	9	11	14	2	1	2	2	12	22
	1	1	1	-3	-5	-4	-5	-5	1	1
Total Liabilities	42	61	69	77	49	52	57	56	79	79
	0	0	0	0	0	0	0	0	0	0
	27	34	40	52	31	35	41	40	65	71
	0	0	0	0	0	0	0	0	0	2
	0	0	0	0	0	0	0	0	0	0
Cash & Bank	0	0	5	2	1	0	1	2	2	3
	14	26	25	22	16	16	14	13	12	3
Total Assets	42	61	69	77	49	52	57	56	79	79

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
	1	-2	6	-3	-7	3	0	4	-11	1
Cash from Investing	-0	-1	-0	-0	20	-3	-1	-4	1	2
Cash from Financing	-0	5	-0	1	-14	-1	1	-1	10	-2
	-0	0	4	-3	-1	-1	0	-1	-0	1

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 (₹)	1.98	9.82	4.94	-0.19	-1.06	-0.06	-0.29	-1.27	-4.92	-4.75
Book Value (₹)	29.40	39.22	44.16	51.19	41.14	42.81	46.20	46.11	51.03	52.87
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 (₹)	1.99	9.83	4.97	-0.15	-0.98	0.02	-0.24	-1.20	-4.87	-4.69
PROFITABILITY
Operating Margin %	82.84%	88.82%	76.38%	44.44%	-4.30%	13.36%	-7.27%	-111.28%	-65.04%	-291.73%
Net Margin %	68.88%	82.23%	59.55%	-8.07%	-73.62%	-4.31%	-27.35%	-126.13%	-761.30%	-403.72%
ROE %	6.97%	28.62%	11.85%	-0.39%	-2.30%	-0.13%	-0.66%	-2.76%	-10.14%	-8.29%
ROCE %	7.67%	27.04%	12.11%	1.73%	-0.28%	0.21%	-0.30%	-2.51%	-0.88%	-3.03%
	6.31%	24.58%	9.76%	-0.33%	-2.17%	-0.14%	-0.70%	-2.89%	-9.36%	-6.40%
EFFICIENCY
Debtor Days	0	2	0	0	209	236	0	0	0	0
Inventory Days	0	0	0	0	0	0	0	0	0	451
Payable Days	0	0	0	0	0	0	0	0	0	2
	0	2	0	0	209	236	0	0	0	449
FINANCIAL HEALTH
Debt to Equity (x)	0.09x	0.18x	0.20x	0.22x	0.03x	0.02x	0.04x	0.03x	0.18x	0.38x
Interest Coverage (x)	6.60x	15.01x	5.70x	0.77x	-0.15x	1.93x	-1.07x	-3.68x	-1.19x	-1.28x
	3.45x	3.78x	2.19x	1.69x	5.19x	6.71x	3.33x	4.09x	0.61x	0.31x
GROWTH
Revenue Growth %	38.99%	315.06%	-30.53%	-72.11%	-37.59%	-11.33%	-16.20%	-5.85%	-35.96%	50.21%
Operating Profit Growth %	32.21%	345.01%	-40.26%	-83.77%	-106.03%	375.73%	-145.59%	-1341.62%	63.16%	-329.46%
Net Profit Growth %	45.55%	395.51%	-49.69%	-103.78%	-469.48%	94.81%	-431.88%	-334.18%	-286.53%	20.34%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-286.54%	3.44%
VALUATION
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.61x	0.83x
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	-93.32x	-28.70x

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	56.85	68.91	68.91	68.91	68.91	68.91	68.91	68.91	68.91
FIIs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
DIIs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	43.15	31.09	31.09	31.09	31.09	31.09	31.09	31.09	31.09

Documents

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

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