Ladderup Finance Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2025 • Finance Activities: 87.0% • Investment & Trading Activities: 13.0%
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
- 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
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1060.50 | 32.52 | 660262.45 | 0.57 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1041.00 | 21.64 | 244945.59 | 1.04 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| TATACAP | 375.00 | 29.46 | 159182.59 | 0.15 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 239.85 | 76.64 | 158376.35 | 0.25 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| CHOLAFIN | 1839.00 | 27.31 | 157062.74 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| BAJAJHLDNG | 11148.75 | 14.01 | 124078.35 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2920.00 | 10.31 | 117228.79 | 1.03 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 404.80 | 27.00 | 110815.96 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 314.00 | 24.73 | 78699.47 | 0.88 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 657.90 | 27.52 | 62608.60 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 682.25 | 26.05 | 56678.94 | 0.59 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| LADDERUP | 47.50 | 8.89 | 50.36 | 0.00 | 4.09 | 98.49 | 9.32 | 61.25 | 8.85 | 54.29 |
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 |
Documents
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