Optimus Finance Ltd.

•

optimusfinance.inBSE: -NSE: OPTIFIN

Market Cap₹ 107 Cr.

Current Price

High / Low₹ 16 / 11

Stock P/E19.0

Book Value₹ 9

Price to Book2.76

Dividend Yield0.00 %

ROCE21.2 %

ROE20.0 %

Face Value₹ 1

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ABOUT

KEY POINTS

Revenue Breakup Mar 2025 • Manufacturing and Trading in chemicals: 99.1% • Financing and Investment activity: 0.9%

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

Company has delivered good profit growth of 28.7% CAGR over last 5 years
Company has a healthy return on capital (ROCE) of 25.4%
Company has a good return on equity (ROE) track record: 3 Years ROE 24.3%
Asset quality is healthy - gross NPA of just 0.0%
Solid return on assets for a lender - ROA of 2.5%

CONS

Capital adequacy is tight at 0.0% - limited headroom to grow
Equity base is being diluted - shares outstanding up 34.1%
Free cash flow has been persistently negative
Thin net interest margin of 0.0%
Effective tax rate is unusually low at 13.0% - earnings may be flattered

* 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	1055.00	32.35	656838.18	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1029.95	21.41	242345.54	1.05	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	TATACAP	367.80	28.89	156126.28	0.15	16281.80	1464.16	88219.30	1051.00	8.66	75.72
4.	CHOLAFIN	1824.90	27.10	155858.50	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
5.	JIOFIN	233.50	74.61	154183.36	0.26	830.25	155.73	2004.47	227.28	2.11	69.71
6.	BAJAJHLDNG	11055.60	13.89	123041.65	1.76	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2896.70	10.23	116293.37	1.04	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	396.20	26.43	108461.67	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	308.50	24.30	77320.98	0.89	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	668.55	27.96	63622.10	0.37	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	682.70	26.07	56716.32	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	OPTIFIN	14.38	18.95	107.45	0.00	2.18	-9.98	60.23	20667.93	21.16	7.74

Detailed Comparison with:

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
	21	25	26	37	0	0	0	45	0	1	0	56	60
	20	23	22	37	36	33	33	42	36	42	40	53	58
Operating Profit	2	2	4	1	3	4	4	3	4	4	3	3	5
OPM %	9.19%	8.33%	14.23%	1.50%	712.50%	1609.09%	1081.08%	6.63%	1327.59%	723.53%	1185.71%	5.61%	7.74%
Other Income	0	0	0	4	0	1	1	0	0	1	1	2	0
Interest	0	0	0	1	1	1	1	1	1	1	1	1	2
Depreciation	0	0	0	0	0	0	0	0	0	1	1	1	1
	1	1	3	3	3	3	3	2	3	3	2	3	3
Tax %	2.01%	11.97%	13.55%	11.04%	13.58%	17.56%	13.95%	4.63%	6.92%	15.41%	13.69%	27.33%	15.88%
Net Profit	0	0	0	0	2	2	3	2	2	3	2	2	2
	1	-1	2	0	0	0	0	0	0	0	0	0	0

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
	2	15	36	60	32	53	70	100	110	158	117
	3	13	34	56	28	47	64	91	102	144	194
Operating Profit	-0	1	2	4	4	6	6	9	8	14	-77
OPM %	-8.65%	8.84%	6.57%	6.45%	11.05%	11.17%	8.97%	9.34%	7.56%	8.81%	-65.38%
	0	0	0	1	1	1	1	2	4	2	4
Interest	0	0	1	1	1	1	1	2	2	3	4
Depreciation	0	0	0	0	0	1	1	1	1	2	2
Profit before Tax	-0	1	2	4	3	4	5	8	9	11	12
Tax %	-18.10%	17.75%	9.75%	11.15%	12.77%	10.87%	9.35%	7.73%	10.43%	12.96%	18.45%
Net Profit	-0	1	2	4	3	4	5	7	8	10	10
EPS	0.00	0.00	0.00	0.00	2.87	3.60	4.74	7.53	7.03	0.78	—
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:: 37%
5 Years:: 38%
3 Years:: 31%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: 29%
3 Years:: 30%

STOCK PRICE CAGR

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

RETURN ON EQUITY

10 Years:: 18%
5 Years:: 24%
3 Years:: 24%
Last Year:: 20%

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
Equity Capital	4	6	6	6	6	6	6	7	7	7
Minority Interest	0	3	6	6	15	16	18	21	24	38
	-1	4	6	8	10	11	14	23	31	50
	1	4	6	8	8	8	8	6	16	22
Trade Payables	0	1	2	3	7	5	11	21	10	25
	0	0	1	1	4	6	3	6	4	5
Total Liabilities	3	18	26	32	48	51	58	84	94	148
	0	0	3	2	10	10	9	9	9	9
Capital Work in Progress	0	0	0	0	0	0	1	1	1	5
	0	0	2	3	4	1	0	0	0	0
	1	3	1	1	6	6	5	7	6	12
	0	0	0	0	0	0	0	0	44	78
Cash & Bank	1	4	1	2	1	1	1	2	2	13
	1	10	18	24	26	32	44	66	31	30
Total Assets	3	18	26	32	48	51	58	84	94	148

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
	-1	-7	-4	2	-4	4	0	-0	-9	-10
Cash from Investing	-1	-1	-3	-3	-2	-2	2	-2	0	-6
Cash from Financing	1	12	4	1	7	-1	-2	4	7	26
	-1	4	-3	0	-0	0	-0	1	-2	10

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

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	53.89	53.89	53.89	53.89	53.89	53.89	53.89	53.89	53.89
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
	46.11	46.11	46.10	46.11	46.11	46.11	46.11	46.11	46.11

Documents

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

No announcements filed.

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Recent coverage and analyst commentary for OPTIFIN

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