Key Financials Snapshot

TTM · Standalone · ₹ in Cr
Market Cap
₹27 Cr.
Stock P/E
25.6
P/B
0.2
Current Price
₹60
Book Value
₹ 272.5
Face Value
10
52W High
₹87.9
52W Low
₹ 54
Dividend Yield
0%

Margo Finance Overview

Business

Margo Finance Ltd. is an Non-Banking Financial Company (NBFC) based in India. Its core business involves providing various financial services, primarily lending and investment activities, but without holding a banking license. NBFCs typically raise funds through deposits, market borrowings, or equity and then deploy these funds as loans to individuals, small and medium enterprises (SMEs), or for other investment purposes. Margo Finance likely generates its revenue primarily through interest income earned on loans and advances, as well as potential income from investments.

Revenue Mix

As an NBFC, Margo Finance's revenue mix would typically stem from different lending categories. Common segments for NBFCs include retail loans (e.g., personal loans, vehicle loans, home loans/mortgages), SME financing, corporate lending, or specialized financing (e.g., loan against property, unsecured loans). Without specific financial disclosures for Margo Finance, the precise breakdown of its lending portfolio or revenue contribution from each segment is not publicly detailed. It likely focuses on a specific niche or a combination of these segments common to smaller NBFCs.

Industry

The Indian NBFC sector is diverse, competitive, and highly regulated. It plays a crucial role in providing credit to segments often underserved by traditional banks. The industry includes large, diversified players, as well as numerous smaller, niche-focused entities. Margo Finance, given its likely size and market presence, would typically be positioned as a smaller player within this competitive landscape, potentially focusing on specific geographies or customer segments. It competes with a wide array of entities including larger NBFCs, public and private sector banks, and microfinance institutions.

MOAT

For smaller NBFCs like Margo Finance, establishing a durable competitive advantage or "moat" can be challenging. Potential advantages could stem from:

Niche Expertise/Local Knowledge: Deep understanding of specific regional markets or customer segments that larger players overlook.

Relationships: Long-standing customer relationships, especially in semi-urban or rural areas.

Agility: Ability to respond quickly to market changes and customer needs compared to larger, more bureaucratic banks.

However, these are often less durable than moats built on scale, strong brand, or proprietary technology possessed by larger financial institutions.

Growth Drivers

Key factors that can drive growth for Margo Finance over the next 3-5 years include:

Economic Growth: A growing Indian economy typically translates to higher demand for credit from both individuals and businesses.

Financial Inclusion: Continued government and industry push for greater financial access, especially in underserved areas.

Increasing Credit Penetration: As income levels rise, so does the demand for various forms of credit.

Digitalization: Adoption of digital lending processes and technological advancements to improve efficiency, reach, and risk assessment.

Niche Market Expansion: Successfully identifying and expanding into profitable, underserved lending niches.

Risks

Margo Finance faces several key business risks:

Credit Risk: The primary risk is default by borrowers, leading to Non-Performing Assets (NPAs) and impacting profitability.

Liquidity Risk: Mismatches between asset and liability maturities, or inability to raise funds at reasonable costs.

Interest Rate Risk: Fluctuations in interest rates can impact lending margins and borrowing costs.

Regulatory Risk: Changes in RBI or government regulations concerning NBFCs (e.g., capital adequacy norms, asset classification, lending practices) can significantly affect operations.

Competition: Intense competition from banks and other NBFCs can squeeze margins and limit market share.

Economic Downturns: Adverse economic conditions can reduce credit demand and increase defaults.

Management & Ownership

Most Indian NBFCs, particularly smaller ones, are typically promoter-led or have a significant promoter group holding. The quality of management, including their experience, governance standards, and ability to navigate regulatory and credit cycles, is crucial. Ownership structure would typically involve the promoter group holding a substantial stake, with the remaining shares held by the public (retail, institutional investors). Without specific details, it is assumed Margo Finance follows a similar pattern.

Outlook

Margo Finance operates in a dynamic yet challenging Indian NBFC sector. The opportunity for growth is significant, driven by India's underlying economic expansion and increasing credit needs. The company's ability to identify and cater to specific underserved market segments or geographies could provide avenues for expansion. However, it faces intense competition from larger, well-capitalized banks and NBFCs, and is exposed to inherent risks associated with lending, including credit quality, liquidity, and evolving regulatory pressures. Success will hinge on prudent risk management, efficient capital allocation, and the ability to maintain a healthy asset quality amidst economic fluctuations and competitive intensity.

Margo Finance Share Price

Live · BSE · Inception: 1991
₹ | |
Volume
Price

Key Financials — Profit & Loss

₹ in Cr · Standalone · annual

Margo Finance 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 1 0 0 0 0 0 1 0
Other Income 0 0 0 0 0 0 0 0 0 0
Total Income 0 0 1 0 0 0 0 0 1 0
Total Expenditure 0 0 0 0 0 0 0 0 0 0
Operating Profit 0 0 1 0 0 0 0 0 1 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 1 0 0 0 0 0 1 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 1 0
Adjustments 0 0 0 -0 0 0 0 0 0 -0
Profit After Adjustments 0 0 0 -0 -0 0 0 0 1 0
Adjusted Earnings Per Share 0.1 0.3 1 -0.1 -0.5 0 0.6 0.1 1.6 0.4

Margo Finance Profit & Loss

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
Operating Revenue 0 0 1 0 0 1 1 1 1 1 2 1
Other Income 0 0 0 0 0 0 0 0 0 0 0 0
Total Income 0 1 1 0 0 1 1 1 1 1 2 1
Total Expenditure 0 0 0 0 0 0 1 1 0 0 0 0
Operating Profit 0 0 0 -0 -0 0 -0 -0 0 1 2 1
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 1 2 1
Provision for Tax 0 -0 0 0 -0 0 0 0 0 1 1 0
Profit After Tax 0 0 0 -0 0 0 -1 -1 0 0 1 1
Adjustments 0 0 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 0 0 0 -0 0 0 -1 -1 0 0 1 1
Adjusted Earnings Per Share 0.1 0.7 0.4 -0.2 0 0.4 -1.1 -1.3 0.5 0.8 2.3 2.7

Margo Finance Balance Sheet

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Shareholder's Funds 5 6 6 26 16 63 77 58 168 125 125
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 7 3 20 24 16 53 38 37
Total Liabilities 5 6 6 33 20 83 100 75 221 162 162
Loans 0 0 0 0 0 0 0 0 0 0 0
Investments 3 4 4 31 17 82 99 74 220 161 160
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 1 0 1 0 0 0 0 0 0 0 0
Current Assets 1 2 0 2 3 1 1 1 1 1 1
Total Assets 5 6 6 33 20 83 100 75 221 162 162

Margo Finance Cash Flow

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Opening Cash & Cash Equivalents 0 0 0 0 0 0 0 0 0 0 0
Cash Flow from Operating Activities 0 0 -0 0 0 -0 -0 0 0 0 0
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 0
Net Cash Inflow / Outflow -0 0 -0 -0 0 -0 -0 0 0 0 0
Closing Cash & Cash Equivalent 0 0 0 0 0 0 0 0 0 0 1

Margo Finance Ratios

# Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Earnings Per Share (Rs) 0.07 0.68 0.45 -0.21 0 0.37 -1.1 -1.25 0.53 0.76 2.34
CEPS(Rs) 0.1 0.7 0.47 -0.19 0.02 0.38 -1.09 -1.22 0.56 0.78 2.37
DPS(Rs) 0 0 0 0 0 0 0 0 0 0 0
Book NAV/Share(Rs) 11.58 12.26 12.71 57.87 35.56 138.19 167.08 126.66 366.58 271.88 272.09
Net Profit Margin 11.64 65.47 38.25 -34.3 0.17 29.14 -85.51 -96.71 29.92 25.57 54.6
Operating Margin 14.69 65.28 39.49 -9.55 -5.52 43.31 -25.16 -59.59 53.68 73.01 80.78
PBT Margin 11.64 65.25 39.48 -9.59 -5.56 43.3 -25.16 -59.59 53.68 73.01 80.78
ROA(%) 0.57 5.66 3.55 -0.49 0 0.33 -0.55 -0.66 0.16 0.18 0.66
ROE(%) 0.57 5.7 3.57 -0.6 0 0.42 -0.72 -0.85 0.22 0.24 0.86
ROCE(%) 0.72 5.67 3.69 -0.17 -0.08 0.62 -0.21 -0.52 0.39 0.68 1.27
Price/Earnings(x) 232.68 22.74 35.54 0 5909.09 23.55 0 0 70.73 111.01 25.58
Price/Book(x) 1.33 1.26 1.25 0.13 0.18 0.06 0.17 0.22 0.1 0.31 0.22
Dividend Yield(%) 0 0 0 0 0 0 0 0 0 0 0
EV/Net Sales(x) 25.06 12.11 13.55 4.47 1.79 6.43 21.05 21.17 20.89 28.15 13.68
EV/Core EBITDA(x) 124.98 17.81 32.38 -69.67 -55.95 14.43 -88.12 -37.04 37.69 38.09 16.8
Interest Earned Growth(%) 12.3 82 12.3 -46.75 6.59 89.42 2.99 0.47 36.92 66.9 44.88
Net Profit Growth 707.32 923.86 -34.39 -147.74 100.51 0 -402.22 -13.64 142.36 42.63 209.38
EPS Growth(%) 709.17 923.66 -34.39 -147.74 100.52 0 -402.22 -13.65 142.36 42.63 209.37
Interest Coverage(x) % 4.82 2704.96 3724.32 -271 -167 2481 0 0 0 0 0

Growth Rates

Compounded annual
# 1 Year 3 Year 5 Year 10 Year
Sales CAGR +100% +26% +15% —
Operating Profit CAGR +100% — — —
PAT CAGR — — — —
Share Price CAGR -23% +22% +18% +18%
ROE Average +1% 0% 0% +1%
ROCE Average +1% +1% 0% +1%

Margo Finance Shareholding Pattern

Latest · Jun 2026
100% held
Promoters 53.41 %
FII 0 %
DII (MF + Insurance) 0 %
Public (retail) 46.59 %
# Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
Promoter 53.4153.4153.4153.4153.4153.4153.4153.4153.4153.41
FII 0000000000
DII 0000000000
Public 46.5946.5946.5946.5946.5946.5946.5946.5946.5946.59
Others 0000000000
Total 100100100100100100100100100100

Margo Finance Peer Comparison

Finance - NBFC Edit Columns

Margo Finance Quarterly Price

10-year quarterly close · BSE
Show Value Show %

News & Updates

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Margo Finance Pros & Cons

Pros

  • Stock is trading at 0.2 times its book value
  • Company is almost debt free.

Cons

  • Company has a low return on equity of 0% over the last 3 years.
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