Key Financials Snapshot

TTM · Standalone · ₹ in Cr
Market Cap
₹27 Cr.
Stock P/E
245.5
P/B
4.4
Current Price
₹58.4
Book Value
₹ 13.3
Face Value
10
52W High
₹75.2
52W Low
₹ 0
Dividend Yield
0%

Abhishek Finlease Overview

Business

Abhishek Finlease Ltd. is an Indian Non-Banking Financial Company (NBFC). Its core business involves providing financial services, primarily in the form of loans and advances. As an NBFC, it engages in lending and investment activities, but does not hold a banking license. The company's business model revolves around borrowing funds from various sources (e.g., banks, public deposits, market instruments) and then lending these funds to individuals, small and medium enterprises (SMEs), or other entities, earning interest income on the disbursed loans. It also generates revenue through processing fees and other service charges.

Revenue Mix

Without specific financial reports, the precise revenue mix and key segments are not publicly detailed. However, typical NBFCs like Abhishek Finlease operate across segments such as:

Loan Products: This could include secured loans (e.g., loans against property, vehicle finance) and unsecured loans (e.g., personal loans, business loans).

Customer Segments: Focusing on retail customers, small businesses, or specific niche industries.

Investment Activities: Some NBFCs also engage in investment in marketable securities, though their primary focus remains lending.

Given its likely scale, Abhishek Finlease may focus on specific, underserved segments or geographies where larger banks or NBFCs have less penetration.

Industry

The Indian NBFC sector is diverse, competitive, and highly regulated, comprising a wide range of players from large, diversified institutions to smaller, niche lenders. Abhishek Finlease Ltd. likely operates as a smaller, non-deposit-taking NBFC. Its positioning would be against a multitude of competitors including large banks, other prominent NBFCs, and smaller local financial entities. Without a significant brand presence or vast network, the company likely competes on aspects like personalized service, speed of loan disbursal, flexibility in lending terms, or targeting specific customer segments/geographies that larger players might overlook.

MOAT

For a smaller NBFC like Abhishek Finlease, developing a strong competitive moat can be challenging. It typically lacks the scale and brand recognition of larger financial institutions. Potential, albeit often modest, advantages could include:

Niche Focus: Expertise in a specific asset class, customer segment, or geographic region where it has built strong local relationships and understanding of credit risks.

Agility & Flexibility: Ability to adapt quickly to market changes and offer more flexible lending solutions compared to larger, more bureaucratic banks.

Distribution / Relationship Network: A localized network of agents or strong community ties that facilitate customer acquisition and credit assessment.

However, these are generally less durable moats compared to strong brands, vast distribution networks, or significant cost advantages enjoyed by larger players.

Growth Drivers

Key factors that could drive growth for Abhishek Finlease Ltd. over the next 3-5 years include:

Rising Credit Demand: India's growing economy, increasing consumption, and expansion of SMEs are likely to sustain high demand for credit across various segments.

Financial Inclusion: Continued efforts to expand financial services to underserved populations and remote areas present growth opportunities for NBFCs with the right outreach.

Digital Adoption: Leveraging technology for customer acquisition, credit assessment, and loan servicing can improve efficiency and reach, especially in rural and semi-urban areas.

Niche Market Expansion: Deepening penetration in specific segments or geographies where the company has developed expertise or a competitive edge.

Regulatory Support: Favorable regulatory policies that encourage responsible lending and growth in the NBFC sector.

Risks

Abhishek Finlease Ltd. faces several risks inherent to the NBFC sector:

Credit Risk: The primary risk of borrowers defaulting on their loans, leading to non-performing assets (NPAs) and impacting profitability. This is amplified for smaller players with potentially less diversified loan books.

Liquidity Risk: Dependence on external funding sources (banks, capital markets). Any disruption in funding access or rising cost of funds can significantly impact operations and profitability.

Interest Rate Risk: Fluctuations in interest rates can impact the company's net interest margin (NIM) if its borrowing and lending rates are not appropriately matched or hedged.

Regulatory Risk: Changes in RBI regulations for NBFCs (e.g., capital adequacy norms, asset classification rules, lending guidelines) can impact compliance costs and business models.

Competition: Intense competition from a wide array of banks and other NBFCs can put pressure on lending rates and margins.

Economic Slowdown: A downturn in the broader economy can lead to increased loan defaults and reduced demand for credit.

Management & Ownership

Abhishek Finlease Ltd., like many Indian companies, is likely promoter-led. Promoters typically hold a significant stake, guiding the strategic direction. The quality of management is critical for an NBFC, given the need for robust credit assessment, risk management, and capital allocation. Ownership structure would typically involve a promoter group, potentially institutional investors (though less common for smaller NBFCs), and the public holding the remaining shares. Specific details about the individuals comprising the management team and their experience would require reviewing their annual reports or company filings.

Outlook

Abhishek Finlease Ltd. operates in a sector with structural growth drivers stemming from India's ongoing economic development and credit demand. For a smaller NBFC, opportunities lie in efficiently serving niche markets or customer segments that are underserved by larger players, leveraging local relationships, and potentially adopting digital strategies for outreach and efficiency. However, the company faces significant challenges, including intense competition, capital availability, and the inherent credit and liquidity risks associated with financial services. Its ability to grow sustainably will depend on its prudent risk management practices, efficient capital deployment, adaptability to regulatory changes, and success in securing cost-effective funding in a competitive environment. Its smaller scale also means less diversification against sector-specific shocks.

Abhishek Finlease Share Price

Live · BSE · Inception: 1995
₹ | |
Volume
Price

Key Financials — Profit & Loss

₹ in Cr · Standalone · annual

Abhishek Finlease Quarterly Results

#(Fig in Cr.) Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
Operating Revenue 0 0 0 0 0 0 0 0 0 0
Other Income 0 0 0 0 0 0 0 0 0 0
Total Income 0 0 0 0 0 0 0 0 0 0
Total Expenditure 0 0 0 0 0 0 0 0 0 0
Operating Profit 0 0 0 0 -0 0 0 0 0 0
Interest Expense 0 0 0 0 0 0 0 0 0 0
Depreciation 0 0 0 0 -0 0 0 0 0 0
Profit Before Tax 0 0 0 0 -0 0 0 0 0 0
Provision for Tax 0 0 0 0 0 0 0 0 0 0
Profit After Tax -0 0 0 0 -0 0 0 0 -0 0
Adjustments 0 0 0 0 0 -0 -0 -0 0 0
Profit After Adjustments -0 0 0 0 -0 0 0 0 -0 0
Adjusted Earnings Per Share -0 0.1 0.1 0.1 -0.2 0 0 0.1 -0 0.1

Abhishek Finlease Profit & Loss

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
Operating Revenue 0 0 0 3 1 0 1 1 0 1 1 0
Other Income 0 0 0 0 0 0 0 0 0 0 0 0
Total Income 0 0 1 3 1 0 1 1 0 1 1 0
Total Expenditure 0 0 0 3 1 0 0 1 0 1 1 0
Operating Profit 0 0 0 0 0 -0 0 0 0 0 0 0
Interest Expense 0 0 0 0 0 0 0 0 0 0 0 0
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0
Profit Before Tax 0 0 0 0 0 -0 0 0 0 0 0 0
Provision for Tax 0 0 0 0 0 0 0 0 0 0 0 0
Profit After Tax 0 0 0 0 0 -0 0 0 0 0 0 0
Adjustments 0 0 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 0 0 0 0 0 -0 0 0 0 0 0 0
Adjusted Earnings Per Share 0.1 0.1 0.1 0.1 0.1 -0.2 0.2 0.3 0.3 0.5 0.3 0.2

Abhishek Finlease Balance Sheet

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Shareholder's Funds 4 4 4 4 4 4 4 4 4 4 6
Minority's Interest 0 0 0 0 0 0 0 0 0 0 0
Borrowings 0 0 0 0 0 0 0 0 0 0 0
Current Liability 0 0 0 0 0 0 0 0 0 0 0
Other Liabilities & Provisions 0 0 0 0 0 0 0 0 0 0 0
Total Liabilities 4 4 4 4 4 4 4 5 5 5 6
Loans 0 0 0 0 0 0 0 0 0 0 0
Investments 0 0 0 0 0 0 0 0 0 0 0
Fixed Assets 0 0 0 0 0 0 0 0 0 0 0
Other Loans 0 0 0 0 0 0 0 0 0 0 0
Other Non Current Assets 0 0 0 0 0 0 0 0 0 0 0
Current Assets 4 4 4 4 4 4 4 4 4 5 6
Total Assets 4 4 4 4 4 4 4 5 5 5 6

Abhishek Finlease Cash Flow

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Opening Cash & Cash Equivalents 0 1 0 1 0 1 1 1 1 2 2
Cash Flow from Operating Activities 0 -0 0 -0 0 -0 0 0 0 0 -1
Cash Flow from Investing Activities -0 -0 -0 0 0 0 0 -0 -0 0 0
Cash Flow from Financing Activities 0 0 0 0 0 0 -0 -0 0 -0 1
Net Cash Inflow / Outflow 0 -0 0 -0 0 -0 0 0 0 0 1
Closing Cash & Cash Equivalent 1 0 1 1 0 1 1 1 2 2 3

Abhishek Finlease Ratios

# Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Earnings Per Share (Rs) 0.1 0.08 0.14 0.15 0.09 -0.2 0.25 0.27 0.25 0.5 0.26
CEPS(Rs) 0.22 0.2 0.24 0.23 0.15 -0.16 0.28 0.3 0.34 0.57 0.3
DPS(Rs) 0 0 0 0 0 0 0 0 0 0 0
Book NAV/Share(Rs) 8.85 8.93 9.07 9.22 9.31 9.11 9.36 9.63 9.83 10.35 13.31
Net Profit Margin 12.77 12.16 12.62 2.09 5.61 -21.12 18.03 15.68 23.81 20.24 13.72
Operating Margin 16.28 14.72 15.53 2.66 7.37 -20.72 18.21 20.45 31.79 26.25 18.82
PBT Margin 15.96 14.42 15.3 2.62 7.16 -21.12 18.03 20.37 31.27 25.95 17.85
ROA(%) 0.99 0.85 1.44 1.48 0.93 -2.01 2.4 2.61 2.34 4.52 1.97
ROE(%) 1.09 0.92 1.56 1.61 1.01 -2.21 2.66 2.89 2.58 4.95 2.18
ROCE(%) 1.37 1.11 1.92 2.05 1.33 -2.14 2.63 3.73 3.4 6.35 2.88
Price/Earnings(x) 0 0 38.62 54.61 0 0 52.24 154.64 104.07 62.79 229.84
Price/Book(x) 0 0 0.6 0.87 0 0 1.37 4.41 2.65 3.03 4.44
Dividend Yield(%) 0 0 0 0 0 0 0 0 0 0 0
EV/Net Sales(x) 11.87 13.4 3.39 0.93 4.58 8.43 7.63 22.49 21.29 10.83 28.46
EV/Core EBITDA(x) 32.83 39.77 12.95 23.97 53.96 -58.4 35.28 106.14 61.38 37.19 134.12
Interest Earned Growth(%) 21.29 -9.84 65.09 534.31 -76.32 -42.46 41.32 28.65 -39.82 134.18 -23.94
Net Profit Growth -25.87 -14.12 71.38 4.81 -36.27 -316.4 220.66 11.92 -8.64 99.1 -48.45
EPS Growth(%) 0 -14.03 71.25 4.84 -36.3 -316.46 220.64 11.95 -8.63 99.08 -48.45
Interest Coverage(x) % 50.69 48.51 68.18 60.69 35.31 -52.78 99.58 256.78 60.57 85.69 19.3

Growth Rates

Compounded annual
# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 0% 0% — —
Operating Profit CAGR — — — —
PAT CAGR — — — —
Share Price CAGR +40% +40% +31% +31%
ROE Average +2% +3% +3% +2%
ROCE Average +3% +4% +4% +2%

Abhishek Finlease Shareholding Pattern

Latest · Sep 2026
100% held
Promoters 72.28 %
FII 0 %
DII (MF + Insurance) 0 %
Public (retail) 27.72 %
# Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
Promoter 72.7472.7472.7472.2872.2872.2872.2872.2872.2872.28
FII 0000000000
DII 0000000000
Public 27.2627.2627.2627.7227.7227.7227.7227.7227.7227.72
Others 0000000000
Total 100100100100100100100100100100

Abhishek Finlease Peer Comparison

Finance - NBFC Edit Columns

Abhishek Finlease Quarterly Price

10-year quarterly close · BSE
Show Value Show %

News & Updates

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Abhishek Finlease Pros & Cons

Pros

  • Company is almost debt free.

Cons

  • Company has a low return on equity of 3% over the last 3 years.
  • Debtor days have increased from 0 to 0.67days.
  • Stock is trading at 4.4 times its book value.
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