WEBSITE BSE:544465 NSE: LAXMIINDIA Inc. Year: 1996 Industry: Finance - NBFC My Bucket: Add Stock
Last updated: 15:58
Laxmi India Finance Ltd. is a non‑deposit‑taking non‑banking financial company (NBFC‑ML) headquartered in Jaipur, focused on serving micro, small and medium enterprises (MSMEs) and under‑served borrowers in semi‑urban and rural India. Its main business lines include MSME loans (secured by property), vehicle loans (for used commercial/personal vehicles, tractors, EVs, etc.), construction/property loans, and other secured/unsecured small‑ticket business or personal loans. As of March 2025, Laxmi India Finance operated through 158 br...Read More
Laxmi India Finance Ltd. is a non‑deposit‑taking non‑banking financial company (NBFC‑ML) headquartered in Jaipur, focused on serving micro, small and medium enterprises (MSMEs) and under‑served borrowers in semi‑urban and rural India. Its main business lines include MSME loans (secured by property), vehicle loans (for used commercial/personal vehicles, tractors, EVs, etc.), construction/property loans, and other secured/unsecured small‑ticket business or personal loans. As of March 2025, Laxmi India Finance operated through 158 branches across Rajasthan, Gujarat, Madhya Pradesh, Chhattisgarh and Uttar Pradesh, with an Assets Under Management (AUM) of ~₹1,277 crore and over 35,500 active customers. The bulk of its loan book (≈ 76%) is in MSME financing, with another ~16% in vehicle loans, underlining its focus on financing smaller businesses and working‑capital/asset needs. The company aims to support financial inclusion and growth for underserved segments, offering credit where formal banking penetration is limited, while leveraging branch footprint and a diversified loan‑product mix to manage risk and reach. ...Read Less
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Market Cap ₹596 Cr.
Stock P/E 16.6
P/B 1.3
Current Price ₹114.1
Book Value ₹ 85.2
Face Value 5
52W High ₹180.8
Dividend Yield 0%
52W Low ₹ 70.9
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Jun 2024 | Sep 2024 | Dec 2024 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|
| Net Sales | 51 | 59 | 61 | 70 | 76 | 79 |
| Other Income | 0 | 1 | 1 | 0 | 1 | 1 |
| Total Income | 51 | 60 | 62 | 70 | 76 | 80 |
| Total Expenditure | 18 | 20 | 23 | 24 | 29 | 32 |
| Operating Profit | 33 | 41 | 39 | 46 | 47 | 48 |
| Interest | 24 | 28 | 30 | 33 | 34 | 34 |
| Depreciation | 0 | 0 | 1 | 0 | 1 | 1 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 9 | 12 | 8 | 13 | 13 | 13 |
| Provision for Tax | 2 | 3 | 2 | 3 | 3 | 3 |
| Profit After Tax | 7 | 9 | 6 | 10 | 9 | 10 |
| Adjustments | 0 | 0 | 0 | -0 | 0 | 0 |
| Profit After Adjustments | 7 | 9 | 6 | 10 | 9 | 10 |
| Adjusted Earnings Per Share | 0.8 | 1 | 1.5 | 2.3 | 1.8 | 1.9 |
| #(Fig in Cr.) | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|
| Net Sales | 98 | 130 | 173 | 246 | 286 |
| Other Income | 1 | 1 | 2 | 2 | 3 |
| Total Income | 98 | 131 | 175 | 248 | 288 |
| Total Expenditure | 28 | 45 | 60 | 84 | 108 |
| Operating Profit | 70 | 86 | 115 | 164 | 180 |
| Interest | 50 | 63 | 83 | 115 | 131 |
| Depreciation | 1 | 1 | 2 | 2 | 3 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 20 | 22 | 30 | 47 | 47 |
| Provision for Tax | 5 | 6 | 7 | 11 | 11 |
| Profit After Tax | 15 | 16 | 22 | 36 | 35 |
| Adjustments | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 15 | 16 | 22 | 36 | 35 |
| Adjusted Earnings Per Share | 4.6 | 4.4 | 5.7 | 8.6 | 7.5 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 42% | 36% | 0% | 0% |
| Operating Profit CAGR | 43% | 33% | 0% | 0% |
| PAT CAGR | 64% | 34% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | NA% | NA% | NA% | NA% |
| ROE Average | 16% | 13% | 13% | 13% |
| ROCE Average | 14% | 13% | 13% | 13% |
| #(Fig in Cr.) | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Shareholder's Funds | 127 | 153 | 202 | 258 |
| Minority's Interest | 0 | 0 | 0 | 0 |
| Borrowings | 408 | 614 | 759 | 729 |
| Other Non-Current Liabilities | 2 | 4 | 6 | 3 |
| Total Current Liabilities | 22 | 8 | 18 | 423 |
| Total Liabilities | 558 | 779 | 985 | 1413 |
| Fixed Assets | 6 | 10 | 11 | 13 |
| Other Non-Current Assets | 473 | 576 | 830 | 847 |
| Total Current Assets | 80 | 192 | 143 | 553 |
| Total Assets | 558 | 779 | 985 | 1413 |
| #(Fig in Cr.) | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 52 | 47 | 95 | 42 |
| Cash Flow from Operating Activities | -19 | -169 | -224 | -311 |
| Cash Flow from Investing Activities | -20 | 5 | -7 | -18 |
| Cash Flow from Financing Activities | 33 | 213 | 178 | 390 |
| Net Cash Inflow / Outflow | -5 | 48 | -53 | 60 |
| Closing Cash & Cash Equivalent | 47 | 95 | 42 | 102 |
| # | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Earnings Per Share (Rs) | 4.61 | 4.36 | 5.66 | 8.61 |
| CEPS(Rs) | 4.88 | 4.65 | 6.04 | 9.07 |
| DPS(Rs) | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 39.85 | 41.64 | 50.78 | 61.58 |
| Core EBITDA Margin(%) | 71.45 | 65.48 | 65.1 | 65.74 |
| EBIT Margin(%) | 71.25 | 65.53 | 65.3 | 65.93 |
| Pre Tax Margin(%) | 19.98 | 17 | 17.12 | 19.27 |
| PAT Margin (%) | 15.01 | 12.33 | 12.98 | 14.65 |
| Cash Profit Margin (%) | 15.88 | 13.16 | 13.86 | 15.43 |
| ROA(%) | 2.62 | 2.39 | 2.55 | 3 |
| ROE(%) | 11.57 | 11.44 | 12.68 | 15.68 |
| ROCE(%) | 12.92 | 13 | 13.02 | 13.71 |
| Receivable days | 0 | 0.2 | 0.4 | 0.36 |
| Inventory Days | 0 | 0 | 0 | 0 |
| Payable days | 0 | 0 | 0 | 0 |
| PER(x) | 0 | 0 | 0 | 0 |
| Price/Book(x) | 0 | 0 | 0 | 0 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 3.73 | 3.59 | 3.88 | 4 |
| EV/Core EBITDA(x) | 5.18 | 5.41 | 5.86 | 6 |
| Net Sales Growth(%) | 0 | 32.72 | 33.67 | 41.92 |
| EBIT Growth(%) | 0 | 22.06 | 33.2 | 43.28 |
| PAT Growth(%) | 0 | 9 | 40.69 | 60.24 |
| EPS Growth(%) | 0 | -5.44 | 29.74 | 52.24 |
| Debt/Equity(x) | 3.25 | 4.03 | 3.8 | 4.42 |
| Current Ratio(x) | 3.64 | 22.83 | 7.98 | 1.31 |
| Quick Ratio(x) | 8.25 | 22.83 | 7.98 | 1.31 |
| Interest Cover(x) | 1.39 | 1.35 | 1.36 | 1.41 |
| Total Debt/Mcap(x) | 0 | 0 | 0 | 0 |
| # | Jun 2025 | Aug 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Promoter | 60.45 | 60.45 | 60.45 | 60.45 | 60.31 |
| FII | 8.72 | 8.72 | 4.61 | 3.31 | 1.58 |
| DII | 6.13 | 6.13 | 4.7 | 4.61 | 4.34 |
| Public | 24.69 | 24.69 | 30.24 | 31.63 | 33.77 |
| Others | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 |
| # | Jun 2025 | Aug 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Promoter | 3.16 | 3.16 | 3.16 | 3.16 | 3.15 |
| FII | 0.46 | 0.46 | 0.24 | 0.17 | 0.08 |
| DII | 0.32 | 0.32 | 0.25 | 0.24 | 0.23 |
| Public | 1.29 | 1.29 | 1.58 | 1.65 | 1.76 |
| Others | 0 | 0 | 0 | 0 | 0 |
| Total | 5.23 | 5.23 | 5.23 | 5.23 | 5.23 |
* The pros and cons are machine generated.
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