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
- Capital adequacy is tight at 0.0% - limited headroom to grow
- A large part of profit comes from other income (773.3% of PBT)
- Promoter holding has decreased over last 2 years: -26.1pp
- Company has a low return on capital employed of 0.6%
- Company has a low return on equity of 0.1% over last 3 years
- 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 | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| 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
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 3 | 0 | 2 | 25 | |
| 1 | 2 | 1 | 2 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | 1 | 12 | |
| Operating Profit | -0 | -1 | -1 | -1 | -1 | -3 | -1 | -1 | -1 | 2 | -1 | 1 | 17 |
| OPM % | -64.00% | -62.63% | -81.48% | -80.00% | — | — | — | — | — | 75.00% | — | 62.21% | 66.72% |
| Other Income | 1 | 1 | 1 | 1 | 0 | 6 | 0 | 0 | 0 | 0 | 0 | 1 | 5 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 4 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | -0 | -1 | 3 | -1 | -1 | -1 | 2 | -1 | 2 | 18 | |
| Tax % | 50.00% | 0.00% | 50.00% | -0.00% | -0.00% | 15.44% | 20.00% | 10.14% | -0.00% | 17.59% | 23.93% | 0.00% | 0.00% |
| Net Profit | 0 | 0 | 0 | -0 | -1 | 2 | -0 | -1 | -1 | 2 | -1 | 2 | 18 |
| 0 | 0 | 0 | -0 | -1 | 2 | -0 | -0 | -0 | 1 | -1 | 1 | 0 | |
| 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
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 0 | 30 | |
| 1 | 1 | 3 | 3 | 6 | 4 | 6 | 4 | 6 | 5 | 15 | |
| Operating Profit | 1 | -1 | 1 | 1 | 1 | 1 | 0 | 1 | 0 | 1 | — |
| OPM % | 6,303 | -170 | 29 | 29 | 25 | 29 | 11 | 43 | 6 | — | — |
| Other Income | 2 | 0 | 1 | 2 | 3 | 3 | 3 | 3 | 3 | 6 | 6 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 5 |
| Depreciation | 1 | 2 | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| 0 | -3 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 1 | 20 | |
| Tax % | 22 | 0 | 15 | 15 | 43 | 0 | 0 | 83 | -55 | 31 | 0 |
| Net Profit | 0 | -3 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 1 | 20 |
| EPS | 0 | -2 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | — |
| Dividend Payout % | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | — |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | 0 | -2 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 17%
- 5 Years:
- 72%
- 3 Years:
- 184%
STOCK PRICE CAGR
- 10 Years:
- 2%
- 5 Years:
- 10%
- 3 Years:
- 41%
- 1 Year:
- 187%
RETURN ON EQUITY
- 10 Years:
- 0%
- 5 Years:
- 0%
- 3 Years:
- 0%
- Last Year:
- 0%
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - | - | - | - | - |
| Equity Capital | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 |
| 35 | 32 | 96 | 96 | 96 | 96 | 96 | 96 | 96 | 96 | |
| 0 | 1 | 0 | 0 | 1 | 1 | 14 | 8 | 7 | 2 | |
| Trade Payables | 0 | 0 | 0 | 0 | 1 | 0 | 3 | 5 | 2 | 0 |
| 1 | 1 | 3 | 4 | 2 | 2 | 2 | 3 | 3 | 24 | |
| Total Liabilities | 49 | 47 | 112 | 113 | 112 | 111 | 128 | 125 | 121 | 136 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 4 | 2 | 2 | 2 | 1 | 0 | 0 | 0 | 0 | 0 | |
| Capital Work in Progress | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 13 | 17 | 20 | 20 | 31 | 30 | 30 | 30 | 70 | 99 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7 | 1 | |
| Cash & Bank | 0 | 0 | 2 | 1 | 3 | 0 | 0 | 3 | 0 | 0 |
| 31 | 28 | 88 | 90 | 78 | 80 | 98 | 91 | 42 | 37 | |
| Total Assets | 49 | 47 | 112 | 113 | 112 | 111 | 128 | 125 | 121 | 136 |
| Total Debt | 0 | 1 | 1 | 0 | 1 | 1 | 14 | 8 | 7 | 2 |
| Net Working Capital | 6 | 2 | 73 | 73 | 74 | 75 | 74 | 74 | 29 | 3 |
| Contingent Liabilities | 0 | 0 | 8 | 8 | 8 | 18 | 18 | 18 | 9 | 9 |
| Book Value per Share | 35.95 | 34.09 | 81.52 | 81.53 | 81.55 | 81.58 | 81.60 | 81.60 | 81.59 | 81.97 |
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -15 | -2 | 4 | -1 | -4 | -2 | -4 | 1 | -6 | 27 | |
| Cash from Investing | 18 | 1 | -3 | 1 | 5 | 0 | -10 | 10 | 4 | -22 |
| Cash from Financing | -3 | 0 | -0 | -0 | 0 | 0 | 14 | -7 | -1 | -6 |
| -0 | -0 | 0 | -1 | 2 | -2 | -0 | 3 | -3 | -0 | |
| Free Cash Flow | -19 | -2 | 3 | -1 | -4 | -2 | -4 | 1 | -6 | 27 |
| OCF / Net Profit | -3979.39 | 0.70 | 50.77 | -35.09 | -117.20 | -226.31 | -165.25 | 58.49 | 174.31 | 53.86 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | -23 | -7 | -9 | -11 | -15 | 16 |
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 (₹) | 0.00 | -1.90 | 0.06 | 0.03 | 0.03 | 0.01 | 0.02 | 0.01 | -0.03 | 0.38 |
| Book Value (₹) | 35.95 | 34.09 | 81.52 | 81.53 | 81.55 | 81.58 | 81.60 | 81.60 | 81.59 | 81.97 |
| 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 (₹) | 0.39 | -0.59 | 0.41 | 0.40 | 0.59 | 0.55 | 0.19 | 0.01 | -0.02 | 0.36 |
| PROFITABILITY | ||||||||||
| Operating Margin % | 6302.73% | -169.52% | 28.79% | 28.93% | 25.05% | 29.13% | 10.64% | 42.52% | -72.16% | 0.00% |
| Net Margin % | 34.55% | -690.08% | 3.44% | 1.63% | 0.99% | 0.39% | 0.66% | 0.29% | -0.97% | 0.00% |
| ROE % | 0.01% | -5.41% | 0.10% | 0.03% | 0.03% | 0.01% | 0.02% | 0.01% | -0.03% | 0.47% |
| ROCE % | 0.29% | -5.22% | 0.17% | 0.06% | 0.06% | 0.01% | 0.09% | 1.10% | 0.19% | 0.65% |
| 0.01% | -5.29% | 0.10% | 0.03% | 0.03% | 0.01% | 0.02% | 0.01% | -0.03% | 0.40% | |
| EFFICIENCY | ||||||||||
| Debtor Days | 0 | 0 | 4 | 98 | 177 | 227 | 315 | 599 | 682 | 0 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 4 | 98 | 177 | 227 | 315 | 599 | 682 | 0 | |
| FINANCIAL HEALTH | ||||||||||
| Debt to Equity (x) | 0.01x | 0.02x | 0.00x | 0.00x | 0.01x | 0.01x | 0.13x | 0.07x | 0.07x | 0.02x |
| Interest Coverage (x) | 1.03x | -44.08x | 3.09x | 2.45x | 86.43x | 0.00x | 1.28x | 1.04x | 0.91x | 529.14x |
| 10.63x | 3.16x | 25.20x | 19.75x | 23.79x | 32.91x | 4.89x | 5.80x | 3.74x | 1.13x | |
| GROWTH | ||||||||||
| Revenue Growth % | -75.56% | 3237.27% | 501.01% | -4.79% | 64.23% | -22.61% | 25.28% | -6.43% | 11.44% | -100.00% |
| Operating Profit Growth % | -3.33% | -189.76% | 202.06% | -4.31% | 42.22% | -10.01% | -54.23% | 273.88% | -83.16% | 231.58% |
| Net Profit Growth % | -96.34% | 0.00% | 103.00% | -55.00% | 0.00% | -69.88% | 115.53% | -58.56% | -467.39% | 1606.80% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -467.40% | 1606.77% | |
| VALUATION | ||||||||||
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 26.70x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.37x | 0.12x |
| 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 | 209.27x | 20.69x |
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
Recent coverage and analyst commentary for ONELIFECAP
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