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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Anupam Finserv Limited is an India-based non-banking financial company (NBFC). The Company is engaged in other financial service activities including credit granting. The Company operates through two segments: Financing and Leasing. The Company’s products include personal…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A high-quality, fast-growing business, fully valued.
ANUPAM FINSERV LIMITED is scored on the nbfc / financials framework. It keeps a fat 36.5% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 28%/yr and profit at 36%/yr. Book value itself has compounded 27%/yr — the hallmark of a genuine compounder. Return on equity is a weak 6.4%. In the latest quarter profit grew 81% versus the prior quarter.
At 47× earnings, the stock sits at the 71st percentile of its own 4.5-year range — the middle of where it has historically traded. Today's price implies ~7%/yr earnings growth for a decade. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 16.91 | 24.12 | better |
| P/B | 1.16 | 1.49 | better |
| EV/EBITDA | 11.85 | 17.11 | better |
| ROE | 6.42 | — | — |
| ROCE | 7.35 | 4.32 | better |
| ROA | 5.41 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 32.0 | 5.8 | 16.7% |
| Bajaj Finserv | 15.1 | 4.0 | 12.6% |
| Shriram Finance | 21.6 | 2.3 | 15.2% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 28% CAGR over 3 years — high-growth territory. Growth is accelerating — latest year outpaced the prior year's rate.
Profit is growing faster than revenue (36% vs 28%) — margin expansion is at work. The latest year saw a +282% swing — check if it's a one-off or structural.
Operating margin has expanded from 41% to 49% — the business is keeping more of each rupee earned. The gap between operating and net margin is widening — interest or tax costs are rising. Margins have declined for 2 consecutive years — watch for a structural cost problem.
ROE at 2% — modest; the capital isn't working hard.
EPS dropped in the latest year despite possible profit changes — dilution or a profit dip could be at play. Profit grew faster than EPS (36% vs -24%) — share dilution is eroding per-share value. -24% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
1 of 3 years had negative operating cash flow — profitability on paper may not translate to cash. Investing outflows exceed operating cash — the company relies on external funding to finance expansion.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 30% sequentially — momentum is building.
Profit jumped 81% QoQ — check if this is operating leverage or a one-off item. Quarterly margins are compressing (51% → 33%) — more revenue isn't translating to proportionally more profit.
How today's P/E compares to the stock's own historical range. Dashed line = the 4.5y median.
Promoter holding at 51.8% — majority control intact.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.