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Optimus Finance Ltd.

•
optimusfinance.inBSE: -NSE: OPTIFIN
Market Cap₹ 108 Cr.
Current Price
High / Low₹ 16 / 11
Stock P/E211.5
Book Value₹ 3
Price to Book7.53
Dividend Yield0.00 %
ROCE3.6 %
ROE2.6 %
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

  • Asset quality is healthy - gross NPA of just 0.0%
  • Solid return on assets for a lender - ROA of 2.5%
  • Operating margins have improved to 49.0% from 4.9%
  • Company generates healthy free cash flow

CONS

  • Capital adequacy is tight at 0.0% - limited headroom to grow
  • Recent results are weak - TTM profit is down 78.1% versus prior year
  • Company has a low return on capital employed of 7.4%
  • Company has a low return on equity of 6.1% over last 3 years
  • Equity base is being diluted - shares outstanding up 34.1%
  • Stock is trading at 7.5x its book value

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.BAJFINANCE1060.2032.51660075.680.576080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1037.0021.56244004.391.043452.7759.9013400.4317.4611.4974.63
3.TATACAP369.0028.99156635.670.1516281.801464.1688219.301051.008.6675.72
4.CHOLAFIN1832.0027.21156464.890.111656.2245.568856.2921.899.7070.07
5.JIOFIN234.7074.99154975.730.26830.25155.732004.47227.282.1169.71
6.BAJAJHLDNG11066.1513.91123159.071.762708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2885.0010.18115823.661.042824.8443.088671.6036.2515.8783.76
8.ABCAPITAL404.9027.01110843.330.001223.8543.8512179.54137.848.8241.91
9.LTF310.8024.4877897.440.88915.9930.705212.9222.388.5462.13
10.SBICARD670.1028.0363769.600.37664.4419.515040.557.6011.7529.83
11.HDBFS685.1526.1656919.860.58785.2038.314937.9018.719.0957.98
12.OPTIFIN14.4118.99107.680.002.18-9.9860.2320667.9321.167.74
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
0000000000000
0000000000000
Operating Profit0420000000000
OPM %57.14%1320.00%476.47%69.44%60.00%55.26%57.89%21.05%40.62%53.12%48.48%56.25%55.99%
Other Income0000000000000
Interest0000000000000
Depreciation0000000000000
0210000000000
Tax %26.67%9.22%12.09%73.91%23.81%23.81%22.73%25.00%23.08%23.53%33.33%17.65%25.00%
Net Profit0210000000000
0210000000000

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
24331111111
24221110111
Operating Profit-01110000111
OPM %-11.78%14.12%21.65%35.89%37.50%21.09%4.32%27.58%60.81%48.95%53.22%
00000000300
Interest00000000000
Depreciation00000000000
Profit before Tax-000100-00311
Tax %-15.14%-15.16%15.73%30.27%77.07%35.78%24.84%2.91%15.32%25.69%24.63%
Net Profit-000000-00311
EPS0.000.000.000.000.020.05-0.070.173.800.07—
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:
15%
5 Years:
6%
3 Years:
12%

COMPOUNDED PROFIT GROWTH

10 Years:
—
5 Years:
118%
3 Years:
—

STOCK PRICE CAGR

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

RETURN ON EQUITY

10 Years:
2%
5 Years:
4%
3 Years:
6%
Last Year:
3%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Corporate actions

No bonus data found

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Equity Capital4666666777
-1334444101314
1446322000
Total Liabilities3131316121111182122
0667777777
1311110000
Cash & Bank1000000009
046954411146
Total Assets3131316121111182122

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
-1-5-0-0310-7-29
Cash from Investing-2-40-11-0003-0
Cash from Financing19-02-4-1-07-0-0
-2000-000008

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
53.8953.8953.8953.8953.8953.8953.8953.8953.89
FIIs0.000.000.000.000.000.000.000.000.00
DIIs0.000.000.000.000.000.000.000.000.00
Government0.000.000.000.000.000.000.000.000.00
46.1146.1146.1046.1146.1146.1146.1146.1146.11

Documents

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

No announcements filed.

News

Recent coverage and analyst commentary for OPTIFIN

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Optimus Finance Ltd.

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