WEBSITE BSE:531533 NSE: Accedere Inc. Year: 1983 Industry: IT - Software My Bucket: Add Stock
Last updated: 11:24
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Accedere Ltd. is a company operating primarily in the financial services sector, focusing on lending and credit solutions. The company offers a range of loan products, including personal loans, business loans, and other credit facilities aimed at individuals and small to medium enterprises (SMEs). Accedere Ltd. emphasizes providing accessible and customized financing options to meet diverse customer needs. The company operates by assessing creditworthiness, managing risk, and delivering efficient loan disbursement and recovery processes. It ta...Read More
Accedere Ltd. is a company operating primarily in the financial services sector, focusing on lending and credit solutions. The company offers a range of loan products, including personal loans, business loans, and other credit facilities aimed at individuals and small to medium enterprises (SMEs). Accedere Ltd. emphasizes providing accessible and customized financing options to meet diverse customer needs. The company operates by assessing creditworthiness, managing risk, and delivering efficient loan disbursement and recovery processes. It targets segments underserved by traditional banking institutions, promoting financial inclusion. Accedere Ltd.’s business performance depends on factors such as credit demand, interest rate environment, asset quality, and regulatory policies governing non-banking financial companies (NBFCs). As a growing player in the NBFC sector, Accedere Ltd. offers potential for expansion aligned with increasing credit penetration but faces challenges related to competition, risk management, and regulatory compliance. ...Read Less
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Market Cap ₹27 Cr.
Stock P/E 197.1
P/B 6
Current Price ₹58.4
Book Value ₹ 9.7
Face Value 10
52W High ₹97.5
Dividend Yield 0%
52W Low ₹ 42.1
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Other Income | 0 | -0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Total Expenditure | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Operating Profit | -0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 | 0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Exceptional Income / Expenses | 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 | -0.1 | 0.1 | -0.2 | -0 | 0.2 | 0.1 | -0 | 0.1 | 0.2 | -0 |
| #(Fig in Cr.) | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|
| Net Sales | 2 | 1 | 1 | 1 | 2 | 3 | 4 | 4 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 2 | 1 | 1 | 1 | 2 | 3 | 4 | 4 |
| Total Expenditure | 1 | 1 | 0 | 1 | 2 | 3 | 3 | 4 |
| Operating Profit | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 0 | -0 | 0 | -0 | -0 | -0 | 0 | 0 |
| Provision for Tax | 0 | -0 | -0 | -0 | -0 | 0 | 0 | 0 |
| Profit After Tax | 0 | -0 | 0 | -0 | -0 | -0 | 0 | 0 |
| Adjustments | 0 | 0 | -0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 0 | -0 | 0 | -0 | -0 | -0 | 0 | 0 |
| Adjusted Earnings Per Share | 0.1 | -0.1 | 0 | -0 | -0.1 | -0.2 | 0.4 | 0.3 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 33% | 59% | 32% | 0% |
| Operating Profit CAGR | 0% | 0% | 0% | 0% |
| PAT CAGR | 0% | 0% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -15% | -4% | 35% | 12% |
| ROE Average | 3% | -0% | -0% | -0% |
| ROCE Average | 3% | -0% | -0% | -0% |
| #(Fig in Cr.) | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 4 | 4 | 4 | 4 | 4 | 4 | 4 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | -0 | -0 | -0 | -0 | -0 | -0 | 0 |
| Total Current Liabilities | 0 | 0 | 0 | 0 | 0 | 1 | 1 |
| Total Liabilities | 5 | 5 | 5 | 4 | 5 | 5 | 5 |
| Fixed Assets | 0 | 0 | 0 | 0 | 1 | 0 | 3 |
| Other Non-Current Assets | 1 | 1 | 1 | 1 | 1 | 0 | 0 |
| Total Current Assets | 4 | 4 | 4 | 3 | 3 | 4 | 2 |
| Total Assets | 5 | 5 | 5 | 4 | 5 | 5 | 5 |
| #(Fig in Cr.) | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 0 | 1 | 1 | 1 | 2 | 2 | 2 |
| Cash Flow from Operating Activities | 1 | 0 | 1 | 1 | 0 | 0 | 1 |
| Cash Flow from Investing Activities | -0 | -0 | -0 | -0 | -0 | -0 | -3 |
| Cash Flow from Financing Activities | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Cash Inflow / Outflow | 0 | 0 | 1 | 0 | 1 | 0 | -2 |
| Closing Cash & Cash Equivalent | 1 | 1 | 1 | 2 | 2 | 2 | 0 |
| # | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0.07 | -0.06 | 0.04 | -0.05 | -0.05 | -0.16 | 0.44 |
| CEPS(Rs) | 0.2 | 0.17 | 0.3 | 0.21 | 0.24 | 0.25 | 0.63 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 8.79 | 8.73 | 8.76 | 8.72 | 8.66 | 9.03 | 9.47 |
| Core EBITDA Margin(%) | 3.35 | 5.8 | 18.24 | 5.55 | -0.74 | -0.36 | 4.84 |
| EBIT Margin(%) | 2.76 | -5.58 | 1.34 | -6.22 | -6.27 | -2.65 | 3.9 |
| Pre Tax Margin(%) | 2.75 | -5.59 | 1.23 | -6.29 | -6.35 | -2.87 | 3.71 |
| PAT Margin (%) | 2.03 | -4.16 | 3.48 | -6.18 | -4.9 | -3.68 | 3.71 |
| Cash Profit Margin (%) | 6.1 | 10.2 | 24.91 | 11.72 | 7.55 | 4.37 | 7.77 |
| ROA(%) | 0.67 | -0.69 | 0.43 | -1.16 | -1.66 | -2.03 | 2.79 |
| ROE(%) | 0.74 | -0.77 | 0.48 | -1.26 | -1.82 | -2.31 | 3.26 |
| ROCE(%) | 1 | -1.02 | 0.18 | -1.26 | -2.26 | -1.56 | 3.17 |
| Receivable days | 690.05 | 1312.44 | 1517.76 | 701.55 | 187.78 | 56.47 | 52.34 |
| Inventory Days | 0 | 0 | 50.67 | 58.86 | 82.74 | 74.81 | 55.66 |
| Payable days | 0 | 0 | 0 | 0 | 3645.76 | 0 | 0 |
| PER(x) | 0 | 0 | 297.01 | 0 | 0 | 0 | 189.71 |
| Price/Book(x) | 0 | 0.45 | 1.25 | 5.03 | 7.5 | 10.37 | 8.9 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 2.8 | 1.56 | 6.93 | 22.78 | 18.91 | 15.6 | 10.37 |
| EV/Core EBITDA(x) | 40.96 | 17.73 | 30.43 | 194.92 | 306.14 | 288.77 | 130.29 |
| Net Sales Growth(%) | 0 | -49.79 | -26.11 | 48.87 | 81.39 | 66.71 | 42.79 |
| EBIT Growth(%) | 0 | -201.42 | 117.72 | -792.11 | -83.08 | 29.7 | 310.34 |
| PAT Growth(%) | 0 | -202.89 | 161.88 | -364.14 | -43.79 | -25.27 | 243.84 |
| EPS Growth(%) | 0 | -198.93 | 156.88 | -222.28 | -20.89 | -190.44 | 381.2 |
| Debt/Equity(x) | 0.01 | 0 | 0.01 | 0 | 0.06 | 0.07 | 0.1 |
| Current Ratio(x) | 8.13 | 8.49 | 8.62 | 34.73 | 6.98 | 7.03 | 3 |
| Quick Ratio(x) | 8.13 | 8.49 | 8.43 | 32.61 | 5.94 | 6 | 2.13 |
| Interest Cover(x) | 211.5 | -429 | 12.67 | -87.67 | -87.55 | -11.67 | 20.64 |
| Total Debt/Mcap(x) | 0 | 0.01 | 0.01 | 0 | 0.01 | 0.01 | 0.01 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 72.72 | 81.46 | 81.46 | 81.46 | 81.46 | 81.46 | 81.46 | 81.46 | 81.46 | 75 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 27.28 | 18.54 | 18.54 | 18.54 | 18.54 | 18.54 | 18.54 | 18.54 | 18.54 | 25 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0.37 | 0.37 | 0.37 | 0.37 | 0.37 | 0.37 | 0.37 | 0.37 | 0.37 | 0.34 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 0.14 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.11 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 0.5 | 0.45 | 0.45 | 0.45 | 0.45 | 0.45 | 0.45 | 0.45 | 0.45 | 0.46 |
* The pros and cons are machine generated.
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