Abans Financial Services Ltd.

AFSLNSEFinanceFinance - NBFCSmall Cap

₹201.02

▼ 0.12%

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Composite

The company is a globally diversified organization engaged in Investment Management, Trading, Broking, Gold Refining, Non-Banking Financial Services, Agricultural Trading, Pharmaceuticals Distribution, Software Development, and Real Estate Development.

www.abansfinserv.comSector: FinanceIndustry: Finance - NBFC

Q-DITS fundamental score

68Composite

Growth

Profitability

Valuation

Quality

Solvency

Earnings

100

Key metrics

MCap

₹1K Cr

TTM PE

10.6x

Industry PE

24.6x

TTM EPS

₹18.95

Book Value

₹245.87

Face Value

₹2

Div Yield

PEG

0.76x

0.9x

ROE

11.1%

ROCE

10.2%

EBITDA mgn

5.9%

D/E

0.8

Int. Cover

3.2x

Curr. Ratio

1.62x

EPS

₹20.15

Growth — CAGR across horizons

Metric	1Y	3Y	5Y	10Y
Net Sales	627.7%	173.8%	—	—
EBITDA	-16.4%	23.1%	—	—
Net Profit	-5.5%	14.1%	—	—

Score snapshot

Piotroski

7/9

Altman Z

2.22

Quality

35.3

Growth

75.2

Valuation

Earn. Qual

100

PEAD

SURGE

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Revenue, profitability & returns

Revenue & Net Profit (₹ Cr)

RevenueNet Profit

Margins (%)

EBITDA%PAT%

Return ratios (%)

ROEROCEROA

Annual financials — last 9 years

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Metric	2017	2018	2019	2020	2021	2022	2023	2024	2025
›RevenueCr	267	968	4,371	2,765	1,326	639	1,163	1,380	3,281
›EBITDACr	47	49	57	97	82	92	86	152	192
›EBITDA margin	17.5%	5.1%	1.3%	3.5%	6.2%	14.4%	7.4%	11%	5.9%
›Net profitCr	25	26	36	39	46	62	70	89	109
›PAT margin	9.3%	2.7%	0.8%	1.4%	3.5%	9.7%	6%	6.5%	3.3%
›EPS₹	₹5.48	₹5.77	₹7.82	₹7.53	₹9.04	₹12.25	₹12.92	₹16.3	₹20.15
›Revenue growth	0%	262.8%	351.6%	-36.7%	-52.1%	-51.8%	82%	18.7%	137.7%
›PAT growth	0%	5.5%	39.2%	8.3%	16.6%	35%	13.7%	27%	21.6%
›ROE	24.2%	22.2%	14.4%	9%	8.6%	10.4%	9.6%	10.2%	11.1%
›ROCE	15.5%	20.2%	11.8%	12.2%	9.8%	11.9%	8.6%	9.7%	10.2%
›ROA	6.2%	6%	4.6%	3.4%	3.8%	5.2%	4.6%	3.8%	3.6%
›P/E	0x	0x	0x	0x	0x	0x	16.3x	16.4x	8.8x
›P/B	0x	0x	0x	0x	0x	0x	1.3x	1.5x	0.9x
›D/E	1.9	0.4	1	0.6	0.5	0.1	0.5	1	0.8
›Current ratio	1.9x	3x	1.6x	2.6x	3.5x	2.5x	2x	1.6x	1.6x
›Interest cover	2.3x	2.4x	3.3x	1.8x	2.6x	3.6x	8.8x	2.9x	3.2x

Quarterly results

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Metric	2023-12	2024-03	2024-06	2024-09	2024-12	2025-03	2025-06	2025-09	2025-12	2026-03
›RevenueCr	506	252	296	641	1,280	1,063	1,894	6,832	6,495	8,708
›Rev growth YoY	95.8%	-55.9%	16.1%	75.5%	152.9%	321.3%	539.6%	965.3%	407.3%	719.1%
›EBITDACr	38	37	44	46	52	48	51	48	44	16
›EBITDA margin	7.6%	14.6%	14.8%	7.2%	4.1%	4.5%	2.7%	0.7%	0.7%	0.2%
›Net profitCr	24	21	24	27	27	30	33	42	34	-4
›PAT growth YoY	57.3%	-6.3%	16.1%	17.2%	12.8%	41.7%	35%	52.8%	27.5%	-112.3%
›EPS₹	₹4.32	₹3.89	₹4.43	₹5.06	₹5.13	₹5.61	₹5.92	₹7.55	₹6.33	₹-0.76

Balance sheet — last 10 years (₹ Cr)

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Metric	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
›Shareholders' equityCr	102	133	370	500	562	631	827	931	1,074	1,250
›ReservesCr	102	133	370	497	553	622	817	905	1,038	1,240
›Total borrowingsCr	0	0	0	0	0	0	0	0	0	0
›InvestmentsCr	0	1	40	49	61	101	574	1,009	990	0
›Total assetsCr	193	326	457	753	862	772	1,012	1,218	1,199	2,907
›Current assetsCr	380	457	1,019	1,143	1,101	1,099	1,654	2,687	3,003	2,858
›Current liabilitiesCr	203	153	630	445	317	435	848	1,678	1,855	1,464
›Trade payablesCr	61	61	165	217	54	138	80	40	47	46
›Gross blockCr	20	25	34	20	22	28	28	30	32	16

Cash flow statement (₹ Cr)

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Metric	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
›Operating CF (CFO)Cr	-47	-94	-126	18	62	149	211	33	-119	505
›Investing CF (CFI)Cr	-58	48	-21	-14	-3	-38	-463	-447	210	-278
›Financing CF (CFF)Cr	72	41	185	22	66	-181	418	403	-150	-13
›Net cash changeCr	-33	-4	38	26	125	-70	166	-11	-58	214
›Closing cashCr	54	50	108	84	209	142	232	222	110	333

Cash flow components

CFO · CFI · CFF (₹ Cr)

CFOCFICFF

Q-DITS scorecard

Composite score

Quality (25%)35.3

Growth (25%)75.2

Valuation (20%)81

Piotroski (15%)78

Earnings Quality (10%)100

Momentum (5%)—

Weighted blend, rescaled to the components available for this stock.

Piotroski F-Score

7/9

✓ROA positiveROA 3.64%

✓CFO positiveCFO ₹505.18 Cr

✗ROA improving3.75% → 3.64%

✓CFO > PAT (low accruals)CFO 505.18 vs PAT 108.51

✓Leverage decreasedD/E 1.02 → 0.8

✓Liquidity improvedCR 1.6 → 1.62

✓No share dilutionEPS 16.3 → 20.15

✗Margin improvedEBITDA mgn 11.04% → 5.87%

✓Asset turnover upAsset TO 0.58 → 1.1

Altman Z-Scoregrey

2.22

0.479

0.426

0.066

0.43

1.129

>2.9 safe · 1.23–2.9 grey · <1.23 distress

Quality

35.3/100

ROE

11.1%

ROCE

10.2%

Margin

3.3%

Debt

0.8

Int. cover

3.2x

Growth

75.2/100

Revenue 3Y

173.8%

Profit 3Y

14.1%

EPS

23.6%

Valuation

81/100

8.8x

0.9x

EV/EBITDA

7.3x

vs universe median: PE 25.6x · PB 2.81x · EV 13.41x

Earnings quality

100/100

CFO₹505 Cr

PAT₹109 Cr

Accrual ratio-0.136

CFO/PAT4.66x

PEAD · SURGE

0 / 0

Revenue SUE1.45

EPS SUE-5.71

Latest quarter2026-03

Rev growth YoY719.1%

Shareholding pattern

Promoter71.4%

FII/FPI19%

DII0%

Public28.6%

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Metric	2024-03	2024-06	2024-09	2024-12	2025-03	2025-06	2025-09	2025-12	2026-03
›Promoter	72.1%	72.1%	72%	71.5%	71.5%	71.5%	71.4%	71.4%	71.4%
›FII / FPI	11.5%	10.4%	11.1%	12.9%	15.1%	15.7%	16.1%	17%	19%
›DII	0%	0%	0%	0%	0%	0.1%	0%	0%	0%
›Public / Retail	27.9%	27.9%	28%	28.5%	28.5%	28.5%	28.6%	28.6%	28.6%
›Promoter pledge	12.1%	14.2%	14.1%	12.5%	10.1%	10.4%	10.4%	0%	0%

Documents & filings

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Peer comparison

Company	MCap (Cr)	Revenue	PAT	PE	PB	ROE%	ROCE%	D/E
Bajaj Finance Ltd.	5,98,501	82,522	19,316	31.5x	5.3x	19.6	11.4	3.77
Shriram Finance Ltd.	2,35,868	48,133	10,004	23.5x	2.2x	16.4	11.5	3.8
JIO Financial Services Ltd.	1,61,513	3,513	1,237	103.5x	1.1x	1.2	1.5	0.03
Tata Capital Ltd.	1,57,718	31,540	4,886	32.5x	3.4x	14	9.7	7.2
Cholamandalam Investment and Finance Company Ltd.	1,44,488	31,073	5,229	27.6x	4.7x	19.9	10.3	7.46
Muthoot Finance Ltd.	1,25,407	31,209	10,607	11.8x	3.2x	19.7	13.3	3.38
Bajaj Holdings & Investment Ltd.	1,18,869	1,070	2,183	12.3x	1.6x	11.3	11.5	0