Onelife Capital Advisors Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2025 • Trading Services: 53.0% • Broking: 25.3% • Others Business: 21.7%
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
- Asset quality is healthy - gross NPA of just 0.0%
- 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
- Promoter holding has decreased over last 2 years: -26.1pp
- Company has a low return on equity of -4.5% over last 3 years
- Company has a low return on capital employed of 2.5%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJAJFINSV | 1990.00 | 31.43 | 318810.21 | 0.08 | 6296.67 | 18.15 | 42036.90 | 92.22 | 11.88 | 40.79 |
| AIIL | 510.20 | 20.65 | 43327.49 | 0.00 | 11082.20 | 1075.19 | 14695.40 | 1109.37 | 30.27 | 88.91 |
| CHOLAHLDNG | 1487.10 | 10.46 | 27924.39 | 0.09 | 1788.99 | 42.04 | 11113.57 | 42.92 | 10.52 | 57.53 |
| TVSHLTD | 13055.20 | 13.41 | 26413.42 | 0.66 | 1173.58 | 73.77 | 17076.18 | 40.01 | 19.39 | 16.25 |
| CGCL | 256.20 | 21.86 | 24650.38 | 0.08 | 353.38 | 102.04 | 1576.47 | 62.12 | 11.68 | 68.54 |
| MAHSCOOTER | 13572.20 | 55.69 | 15511.08 | 1.62 | 3.32 | -90.61 | 5.41 | -81.52 | 1.06 | 84.10 |
| JSWHL | 11458.70 | 92.58 | 12718.73 | 0.00 | 24.54 | -92.74 | 34.58 | 14.97 | 0.58 | 92.45 |
| JMFINANCIL | 129.45 | 11.91 | 12387.85 | 2.51 | 368.57 | -19.66 | 1200.53 | 9.69 | 11.91 | 58.30 |
| TSFINV | 403.15 | 18.39 | 8954.12 | 2.77 | 124.95 | -92.11 | 305.57 | 102.23 | 3.47 | 53.35 |
| RELIGARE | 247.65 | 155.41 | 8537.33 | 0.00 | -46.98 | -674.86 | 2353.40 | 1051.76 | -1.28 | -2.08 |
| KAMAHOLD | 2341.45 | 8.07 | 7513.85 | 1.77 | 584.02 | 10.80 | 4657.56 | 7.07 | 20.86 | 22.01 |
| ONELIFECAP | 33.00 | 13.38 | 128.62 | 0.00 | 38.93 | 7515.24 | 72.00 | 8370.59 | -0.91 | 54.72 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2 | 1 | 1 | 32 | 7 | 2 | 1 | 1 | 1 | 4 | 1 | 4 | 72 | |
| 2 | 1 | 2 | 26 | 6 | 34 | 3 | 7 | 2 | 8 | 3 | 7 | 42 | |
| Operating Profit | -0 | -0 | -0 | 6 | 1 | 3 | -1 | -6 | -1 | -5 | -3 | -3 | 39 |
| OPM % | -14.29% | -3.85% | -22.45% | 19.07% | 16.64% | 184.87% | -93.23% | -473.17% | -142.35% | -117.62% | -580.39% | -66.92% | 54.72% |
| Other Income | 0 | 0 | 0 | 3 | 1 | 9 | -0 | 12 | 1 | 1 | 2 | 17 | 15 |
| Interest | 0 | 0 | 0 | 1 | 1 | 1 | 0 | 0 | 0 | 1 | 1 | 1 | 6 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 | 0 | 0 | 1 |
| -0 | -0 | -0 | 7 | 1 | -7 | -2 | 6 | -0 | -5 | -2 | 13 | 47 | |
| Tax % | -28.57% | -4608.33% | -13.33% | 75.55% | 31.58% | -2.87% | -18.11% | 25.23% | -51.43% | -3.66% | 13.15% | 4.87% | 16.46% |
| Net Profit | 0 | 0 | 0 | 0 | 1 | -7 | -3 | 4 | -1 | -5 | -2 | 13 | 39 |
| -0 | -4 | -0 | 1 | 0 | -5 | -2 | 3 | -0 | -4 | -1 | 3 | 1 | |
| Equity Capital | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 37 | 374 |
| Reserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Promoter Pledge % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 7 | 6 | 8 | 7 | 5 | 4 | 4 | 37 | 11 | 80 | |
| 9 | 10 | 7 | 10 | 10 | 6 | 6 | 6 | 31 | 49 | 60 | |
| Operating Profit | -5 | -2 | 1 | 1 | -1 | 1 | 0 | -1 | 9 | -17 | — |
| OPM % | -1,519 | -32 | 11 | 7 | -9 | 19 | 0 | -21 | 24 | -154 | — |
| Other Income | 3 | 1 | 2 | 2 | 3 | 2 | 2 | 1 | 3 | 21 | 35 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 2 | 9 |
| Depreciation | 1 | 2 | 1 | 1 | 1 | 1 | 0 | 0 | 1 | 1 | 2 |
| -6 | -4 | 0 | -0 | -2 | 0 | -0 | -2 | 6 | -3 | 53 | |
| Tax % | -0 | -1 | 34 | -346 | -5 | 190 | -25 | -0 | 90 | -92 | 15 |
| Net Profit | -6 | -4 | 0 | -0 | -2 | -0 | -0 | -2 | 1 | -5 | 45 |
| EPS | -5 | -3 | 0 | -0 | -1 | -0 | -0 | -2 | 0 | -4 | — |
| Dividend Payout % | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | — |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | -0 | 2 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
| Adjusted EPS | -4 | -3 | 0 | -0 | -1 | -0 | -0 | -2 | 0 | -4 | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 7%
- 5 Years:
- 10%
- 3 Years:
- 40%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- 2%
- 5 Years:
- 10%
- 3 Years:
- 41%
- 1 Year:
- 187%
RETURN ON EQUITY
- 10 Years:
- -3%
- 5 Years:
- -3%
- 3 Years:
- -4%
- Last Year:
- -11%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - | - | - | - | - |
| Equity Capital | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 |
| 53 | 86 | 79 | 79 | 72 | 72 | 71 | 69 | 37 | 21 | |
| 3 | 5 | 7 | 6 | 1 | 1 | 15 | 9 | 9 | 0 | |
| Trade Payables | 0 | 3 | 6 | 4 | 3 | 1 | 3 | 6 | 51 | 75 |
| 44 | 9 | 5 | 6 | 4 | 4 | 4 | 27 | 55 | 61 | |
| Total Liabilities | 113 | 117 | 110 | 109 | 93 | 90 | 107 | 124 | 165 | 171 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 16 | 15 | 2 | 2 | 1 | 0 | 0 | 7 | 9 | 30 | |
| Capital Work in Progress | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 3 | 6 | 8 | 7 | 7 | 6 | 6 | 20 | 8 | 7 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 49 | 1 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 23 | 16 | |
| Cash & Bank | 1 | 2 | 4 | 3 | 4 | 2 | 1 | 4 | 6 | 31 |
| 93 | 93 | 96 | 97 | 81 | 82 | 99 | 92 | 70 | 86 | |
| Total Assets | 113 | 117 | 110 | 109 | 93 | 90 | 107 | 124 | 165 | 171 |
| Total Debt | 3 | 5 | 7 | 6 | 1 | 1 | 15 | 13 | 26 | 23 |
| Net Working Capital | 69 | 61 | 42 | 66 | 70 | 71 | 70 | 52 | 43 | 1 |
| Contingent Liabilities | 0 | 0 | 8 | 8 | 8 | 18 | 18 | 18 | 3 | 7 |
| Book Value per Share | 49.56 | 74.51 | 69.23 | 69.12 | 63.56 | 63.54 | 63.25 | 61.39 | 37.95 | 25.96 |
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -5 | -8 | -10 | -4 | -5 | -2 | -2 | 19 | -25 | 58 | |
| Cash from Investing | -8 | 7 | 10 | 3 | 12 | 0 | -12 | -12 | 13 | -27 |
| Cash from Financing | -2 | 2 | 2 | -1 | -5 | -0 | 14 | -3 | 11 | -5 |
| -15 | 1 | 2 | -2 | 1 | -2 | -0 | 3 | -1 | 26 | |
| Free Cash Flow | -21 | -8 | -10 | -4 | -5 | -2 | -2 | 12 | -41 | 36 |
| OCF / Net Profit | 0.77 | 1.95 | -199.11 | 50.10 | 3.32 | 39.52 | 5.05 | -7.47 | -39.74 | -11.85 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | -49 | -30 | -24 | -2 | -39 | 3 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | ||||||||||
| EPS (₹) | -4.68 | -3.07 | 0.04 | -0.06 | -1.22 | -0.04 | -0.30 | -1.86 | 0.29 | -3.85 |
| Book Value (₹) | 49.56 | 74.51 | 69.23 | 69.12 | 63.56 | 63.54 | 63.25 | 61.39 | 37.95 | 25.96 |
| 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 (₹) | -3.95 | -1.67 | 0.40 | 0.34 | -0.52 | 0.50 | -0.11 | -1.70 | 0.82 | -2.99 |
| PROFITABILITY | ||||||||||
| Operating Margin % | -1519.31% | -31.82% | 11.32% | 6.97% | -9.08% | 18.73% | 0.42% | -20.83% | 15.02% | -336.13% |
| Net Margin % | -1787.03% | -61.83% | 0.86% | -0.97% | -23.37% | -1.20% | -9.73% | -55.80% | 1.71% | -43.23% |
| ROE % | -8.61% | -4.95% | 0.05% | -0.09% | -1.84% | -0.06% | -0.47% | -2.98% | 0.95% | -11.43% |
| ROCE % | -7.80% | -4.58% | 0.12% | 0.01% | -1.65% | 0.09% | -0.26% | -1.01% | 9.52% | -0.91% |
| -5.20% | -3.57% | 0.04% | -0.07% | -1.62% | -0.06% | -0.40% | -2.15% | 0.44% | -2.91% | |
| EFFICIENCY | ||||||||||
| Debtor Days | 23 | 3 | 6 | 53 | 144 | 180 | 272 | 436 | 143 | 638 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 481 | 805 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 794 | 780 |
| 23 | 3 | 6 | 53 | 144 | 180 | 272 | 436 | -170 | 664 | |
| FINANCIAL HEALTH | ||||||||||
| Debt to Equity (x) | 0.05x | 0.05x | 0.08x | 0.07x | 0.01x | 0.01x | 0.18x | 0.16x | 0.52x | 0.67x |
| Interest Coverage (x) | -25.18x | -45.36x | 2.52x | 0.40x | -55.72x | 5.42x | -3.00x | -0.65x | 4.60x | -0.32x |
| 20.00x | 4.65x | 3.40x | 5.02x | 10.25x | 14.09x | 4.15x | 2.39x | 1.49x | 1.01x | |
| GROWTH | ||||||||||
| Revenue Growth % | -93.91% | 1776.98% | -13.25% | 44.51% | -16.07% | -34.92% | -10.08% | 8.87% | 732.53% | -69.50% |
| Operating Profit Growth % | -253.07% | 60.69% | 130.86% | -11.05% | -209.38% | 234.23% | -98.00% | -5546.47% | 1042.59% | -299.66% |
| Net Profit Growth % | -399.41% | 35.06% | 101.20% | -263.01% | -1932.79% | 96.66% | -628.44% | -524.63% | 125.52% | -870.75% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 115.63% | -1428.35% | |
| VALUATION | ||||||||||
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 102.93x | 0.00x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.79x | 0.39x |
| 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 | 6.92x | -0.35x |
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-02 - Onelife Capital Advisors Limited has informed the Exchange that Record date for the purpose of Meeting is 22-Sep-2026.
2026-09-02 - Onelife Capital Advisors Limited has informed the Exchange that Record date for the purpose of Dividend is 22-Sep-2026.
2026-09-02 - Onelife Capital Advisors Limited has informed the Exchange regarding Outcome of Board Meeting held on September 02, 2026.
2026-08-18 - Onelife Capital Advisors Limited has informed the Exchange about Copy of Newspaper Publication of Unaudited standalone and Consolidated Financial results for quarter ended June 30th 2026 published on 15.08.2026
2026-08-14 - Onelife Capital Advisors Limited has informed the Exchange regarding ''. about Monitoring Agency Report of Right Issue for Quarter ended June 30,2026
2026-08-14 - Enclosed herewith Monitoring Agency Report of Right Issue for Quarter ended June 30,2026
2026-08-13 - Unaudited Standalone and Consolidated Financial Results along with LRR for quarter ended June, 30 2026
2026-08-13 - Onelife Capital Advisors Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
2026-07-23 - Onelife Capital Advisors Limited has informed the Exchange about General Updates
News
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