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WEBSITE Inc. Year: 1995 Industry: Finance - NBFC Listed Page
Buy unlisted shares early and participate in the growth before public listing.
Company Promoters
Pre Issue Share Holding 72.28%
Post Issue Share Holding 62.4%
Listing Price: 137.75
Listing Gain: -1.63%
Current Price: 148.8
Gain On Issue: 148.8 | 0%
GMP: --
GMP %: -- %
| Application | Lots | Shares | Amount |
|---|---|---|---|
| Retail (Min) | 1 | 107 | 14,980 |
| Retail (Max) | 13 | 1391 | 194,740 |
| S-HNI (Min) | 14 | 1498 | 209,720 |
| S-HNI (Max) | 66 | 7062 | 988,680 |
| B-HNI (Min) | 67 | 7169 | 1,003,660 |
1. Augmenting the company’s Tier I capital base to meet the company’s future capital requirements, arising from the growth of the business and assets. 2. Meeting offer expenses.
| Category | Nos | Bid | Bid (x) |
|---|---|---|---|
| QIB | 39036905 | 135848429 | 3.5x |
| NII | 27325834 | 40715493 | 1.5x |
| Retail | 11711072 | 22016815 | 1.9x |
| EMP | 0 | 0 | 0x |
| Total | 78073810 | 174885334 | 2.2x |
| #(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 | 77 | 88 | 133 | 197 | 255 | 450 | 692 | 869 | 1179 | 1577 | 2036 | |
| Other Income | 4 | 1 | 2 | 1 | 4 | 17 | 6 | 14 | 56 | 55 | 44 | |
| Total Income | 81 | 89 | 135 | 198 | 259 | 467 | 698 | 884 | 1235 | 1633 | 2080 | |
| Total Expenditure | 46 | 42 | 49 | 70 | 96 | 190 | 281 | 360 | 463 | 588 | 873 | |
| Operating Profit | 35 | 47 | 85 | 128 | 163 | 276 | 417 | 524 | 772 | 1045 | 1206 | |
| Interest Expense | 21 | 25 | 48 | 77 | 112 | 201 | 313 | 348 | 472 | 680 | 854 | |
| Depreciation | 5 | 3 | 2 | 2 | 2 | 19 | 27 | 37 | 42 | 37 | 49 | |
| Profit Before Tax | 9 | 19 | 35 | 49 | 49 | 56 | 77 | 139 | 243 | 328 | 304 | |
| Provision for Tax | 2 | 7 | 13 | 19 | 14 | 17 | 15 | 36 | 63 | 83 | 79 | |
| Profit After Tax | 6 | 12 | 23 | 31 | 35 | 39 | 62 | 103 | 180 | 245 | 225 | |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | |
| Profit After Adjustments | 6 | 12 | 23 | 31 | 35 | 39 | 62 | 104 | 180 | 245 | 225 | |
| Adjusted Earnings Per Share | 0.3 | 0.6 | 1.2 | 1.6 | 1.5 | 1.4 | 2.1 | 3.2 | 5.6 | 6.6 | 6 |
| #(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 | 196 | 208 | 230 | 260 | 462 | 691 | 835 | 1154 | 1356 | 2261 | 2547 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 28 | 132 | 204 | 657 | 974 | 2951 | 3856 | 4569 | 6620 | 5087 | 6378 |
| Current Liability | 247 | 301 | 566 | 558 | 687 | 442 | 772 | 830 | 1091 | 3679 | 4175 |
| Other Liabilities & Provisions | -1 | -2 | -0 | 1 | 2 | -5 | -17 | -28 | -17 | 108 | 138 |
| Total Liabilities | 470 | 639 | 1000 | 1477 | 2125 | 4080 | 5446 | 6524 | 9049 | 11136 | 13239 |
| Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9822 | 11646 |
| Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Fixed Assets | 6 | 4 | 3 | 4 | 6 | 107 | 133 | 154 | 146 | 146 | 189 |
| Other Loans | 200 | 307 | 531 | 899 | 1350 | 8 | 10 | 12 | 13 | 10 | 0 |
| Other Non Current Assets | 0 | 0 | 1 | 1 | 2 | 0 | 1 | 1 | 51 | 16 | 81 |
| Current Assets | 264 | 328 | 466 | 573 | 767 | 3964 | 5302 | 6358 | 8839 | 1142 | 1323 |
| Total Assets | 470 | 639 | 1000 | 1477 | 2125 | 4080 | 5446 | 6524 | 9049 | 11136 | 13239 |
| #(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 | 7 | 7 | 4 | 5 | 14 | 9 | 142 | 526 | 66 | 94 | 186 |
| Cash Flow from Operating Activities | -62 | -132 | -321 | -418 | -453 | -1393 | -371 | -578 | -1474 | -776 | -978 |
| Cash Flow from Investing Activities | -9 | 14 | -1 | -9 | -3 | -72 | -71 | -417 | -130 | -100 | 329 |
| Cash Flow from Financing Activities | 71 | 115 | 322 | 437 | 501 | 1599 | 825 | 535 | 1632 | 967 | 1187 |
| Net Cash Inflow / Outflow | -0 | -3 | 1 | 9 | 45 | 133 | 384 | -460 | 28 | 92 | 539 |
| Closing Cash & Cash Equivalent | 7 | 4 | 5 | 14 | 59 | 142 | 526 | 66 | 94 | 186 | 725 |
| # | 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) | 0.33 | 0.65 | 1.19 | 1.62 | 1.53 | 1.43 | 2.13 | 3.22 | 5.6 | 6.62 | 6.04 |
| CEPS(Rs) | 0.59 | 0.79 | 1.28 | 1.7 | 1.6 | 2.13 | 3.07 | 4.36 | 6.9 | 7.64 | 7.35 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 10.3 | 10.94 | 12.13 | 13.67 | 20.09 | 25.19 | 28.61 | 35.65 | 41.65 | 60.87 | 68.14 |
| Net Profit Margin | 8.22 | 13.92 | 16.99 | 15.67 | 13.78 | 8.7 | 8.92 | 11.9 | 15.28 | 15.51 | 11.06 |
| Operating Margin | 38.6 | 50.3 | 63.12 | 64.26 | 63.35 | 57.15 | 56.39 | 56.01 | 60.67 | 63.89 | 56.86 |
| PBT Margin | 11.06 | 21.43 | 26.76 | 25.1 | 19.38 | 12.45 | 11.12 | 16.01 | 20.62 | 20.8 | 14.92 |
| ROA(%) | 1.49 | 2.21 | 2.75 | 2.49 | 1.95 | 1.26 | 1.3 | 1.73 | 2.31 | 2.42 | 1.85 |
| ROE(%) | 3.29 | 6.07 | 10.28 | 12.57 | 9.72 | 6.8 | 8.13 | 10.47 | 14.49 | 13.64 | 9.41 |
| ROCE(%) | 7.35 | 8.29 | 10.75 | 10.7 | 9.28 | 8.61 | 8.6 | 8.59 | 9.76 | 10.63 | 9.94 |
| Price/Earnings(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 17.12 | 13.66 |
| Price/Book(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.86 | 1.21 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 5.77 | 6.68 | 6.8 | 6.77 | 6.96 | 7.28 | 5.69 | 5.98 | 6.25 | 7.75 | 6.14 |
| EV/Core EBITDA(x) | 12.85 | 12.52 | 10.55 | 10.41 | 10.86 | 11.85 | 9.43 | 9.92 | 9.53 | 11.69 | 10.37 |
| Interest Earned Growth(%) | 12.65 | 14.08 | 50.6 | 48.25 | 29.55 | 76.68 | 53.78 | 25.66 | 35.6 | 33.8 | 29.08 |
| Net Profit Growth | 317.75 | 93.24 | 83.85 | 36.7 | 13.9 | 11.57 | 57.59 | 67.74 | 74.11 | 35.85 | -7.98 |
| EPS Growth(%) | 317.74 | 93.23 | 83.84 | 36.7 | -5.92 | -6.13 | 48.62 | 51.25 | 73.9 | 18.38 | -8.8 |
| Interest Coverage(x) % | 1.4 | 1.74 | 1.74 | 1.64 | 1.44 | 1.28 | 1.25 | 1.4 | 1.51 | 1.48 | 1.36 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 29% | 33% | 35% | 39% |
| Operating Profit CAGR | 15% | 32% | 34% | 42% |
| PAT CAGR | -8% | 30% | 42% | 44% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 66% | NA% | NA% | NA% |
| ROE Average | 9% | 13% | 11% | 10% |
| ROCE Average | 10% | 10% | 10% | 9% |
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| #(Fig in Cr.) | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 413 | 408 | 477 | 518 | 530 | 536 | 520 | 535 | 555 | 616 |
| Other Income | 16 | 20 | 14 | 1 | 2 | 1 | 1 | 1 | 1 | 1 |
| Total Income | 429 | 428 | 491 | 519 | 532 | 537 | 520 | 536 | 556 | 617 |
| Total Expenditure | 156 | 154 | 184 | 207 | 273 | 210 | 190 | 202 | 215 | 228 |
| Operating Profit | 273 | 274 | 307 | 312 | 259 | 328 | 331 | 334 | 340 | 389 |
| Interest Expense | 176 | 173 | 202 | 214 | 221 | 216 | 218 | 214 | 208 | 239 |
| Depreciation | 10 | 9 | 11 | 12 | 13 | 13 | 12 | 13 | 14 | 15 |
| Profit Before Tax | 88 | 91 | 94 | 86 | 25 | 99 | 100 | 107 | 118 | 135 |
| Provision for Tax | 22 | 23 | 23 | 22 | 6 | 27 | 25 | 27 | 30 | 34 |
| Profit After Tax | 65 | 68 | 70 | 65 | 19 | 72 | 75 | 80 | 88 | 101 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 65 | 68 | 70 | 65 | 19 | 72 | 75 | 80 | 88 | 101 |
| Adjusted Earnings Per Share | 1.8 | 1.8 | 1.9 | 1.7 | 0.5 | 1.9 | 2 | 2.1 | 2.4 | 2.7 |
When you leave without vesting, generally unvested ESOPs are cancelled. Vested ESOPs usually can be exercised after you depart, often within 3 to 6 months, depending on the company's ESOP plan.
For companies listed on a stock exchange, you can sell the shares any time after you exercise the ESOP option and the shares are in your demat account. If the company is unlisted or otherwise a startup, you can only sell the shares if and when the company announces a buyback or has a process for secondary sales.
Whenever you exercised your options to hold shares, you entered into a market risk situation, and if the valuation of the company drops, so do the shares.
Yes. ESOPs are valuable to the employer in that the employer is able to retain the best talent, align employee interests with company goals, and preserve cash while rewarding performance.
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