Aastamangalam Finance
Financial Services
511764 BSE
₹27.85
Close ·
- P/E
- 4.84
Close 4 Nov 2026 ₹27.85 −15.25 −35.4% 1Y
Start ₹43.10
Key Fundamentals
MicrocapFinanceFinancial ServicesPrice-based figures at the close · EPS basis: Standalone · TTM
- Debt to Equity
- 0.60
- EPS (TTM)
- ₹5.76
- Book Value
- ₹53.75
- Market Cap
- —
- P/E (TTM)
- 4.84
- P/B
- 0.52
- ROE
- 11.40%
- Dividend Yield
- 0.00%
- 52W High
- ₹51.00
- 52W Low
- ₹23.25
- ROCE
- Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
- EBITDA
- Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
Tapetide Score
Data-driven rating, 0–100, as of . How it works →
Overall score
60 Good
Data confidence 94/100
Category scores
- Quality
- 79
- Strong
- Returns, margins, earnings quality 22% weight
- Valuation
- 80
- Strong
- Cheap vs sector & own history 24% weight
- Growth
- 43
- Weak
- Sales & profit trajectory 9% weight
- Financial Health
- 55
- Good
- Solvency, leverage, coverage 9% weight
- Momentum
- 23
- Poor
- Trend strength, vol-adjusted 12% weight
- Ownership
- 50
- Average
- FII/DII/promoter flows 24% weight
The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.
Key Insights
Strengths
2- Stock is trading at 0.48 times its book value
- Company has delivered good profit growth of 79.7% CAGR over last 5 years
Weaknesses
4- Though the company is reporting repeated profits, it is not paying out dividend
- Promoter holding is low: 28.5%
- Company has a low return on equity of 13.4% over last 3 years.
- Promoter holding has decreased over last 3 years: -6.75%
Technical Indicators
| Group | Signal | Bearish | Neutral | Bullish |
|---|---|---|---|---|
| Overall | Bearish | 9 | 3 | 7 |
| Oscillators | Neutral | 3 | 3 | 3 |
| Moving Averages | Strong Bearish | 6 | 0 | 4 |
Oscillators
Neutral
Bearish
3
Neutral
3
Bullish
3
Overall
Bearish
Bearish
9
Neutral
3
Bullish
7
Moving Averages
Strong Bearish
Bearish
6
Neutral
0
Bullish
4
Key readings
- RSI (14)
- 53.11
- Neutral
- MACD (12,26,9)
- −0.49
- Bullish
- SMA (50)
- 28.84
- Bearish
- SMA (200)
- 33.28
- Bearish
As of
Growth Rate
From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.
Revenue
| 10Y | +29.75% |
|---|---|
| 5Y | +94.96% |
| 3Y | +72.45% |
| 1Y | +12.51% |
| TTM | −2.79% |
Net profit
| 10Y | +35.57% |
|---|---|
| 5Y | +81.45% |
| 3Y | +86.72% |
| 1Y | +14.01% |
| TTM | +7.83% |
Operating cash flow
Not meaningful
A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.
Revenue by year
| Mar 2017 | ₹1.34 Cr |
|---|---|
| Mar 2018 | ₹1.08 Cr |
| Mar 2019 | ₹1.06 Cr |
| Mar 2020 | ₹1.29 Cr |
| Mar 2021 | ₹0.61 Cr |
| Mar 2022 | ₹1.26 Cr |
| Mar 2023 | ₹3.35 Cr |
| Mar 2024 | ₹7.03 Cr |
| Mar 2025 | ₹15.27 Cr |
| Mar 2026 | ₹17.18 Cr |
Net profit by year
| Mar 2017 | ₹0.59 Cr |
|---|---|
| Mar 2018 | ₹0.28 Cr |
| Mar 2019 | ₹0.44 Cr |
| Mar 2020 | ₹0.03 Cr |
| Mar 2021 | ₹0.48 Cr |
| Mar 2022 | ₹0.13 Cr |
| Mar 2023 | ₹1.45 Cr |
| Mar 2024 | ₹3.60 Cr |
| Mar 2025 | ₹8.28 Cr |
| Mar 2026 | ₹9.44 Cr |
Quarterly Results
₹ Cr| Particulars | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.14 | 1.42 | 2.26 | 2.21 | 2.87 | 3.96 | 4.25 | 4.3 | 4.71 | 3.62 | 3.54 | 5.31 | 4.27 |
| Expenses | 0.13 | 0.16 | 0.11 | 0.2 | 0.1 | 0.26 | 0.26 | 2.13 | 0.15 | −0.27 | 0.41 | 0.14 | 0.17 |
| Financing Profit | 1.01 | 0.47 | 1.76 | 1.59 | 2.22 | 3.13 | 3.42 | 1.6 | 3.99 | 3.32 | 2.56 | 2.88 | 3.35 |
| Fin. Margin % | 88.6% | 33.1% | 77.88% | 71.95% | 77.35% | 79.04% | 80.47% | 37.21% | 84.71% | 91.71% | 72.32% | 54.24% | 78.45% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0.22 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 0 | 0.79 | 0.39 | 0.42 | 0.55 | 0.57 | 0.57 | 0.57 | 0.57 | 0.57 | 0.57 | 2.29 | 0.75 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PBT | 1.01 | 0.47 | 1.76 | 1.59 | 2.22 | 3.35 | 3.42 | 1.6 | 3.99 | 3.32 | 2.56 | 2.88 | 3.35 |
| Tax % | 24.75% | 23.4% | 25% | 24.53% | 24.77% | 25.37% | 25.15% | 84.38% | 25.06% | 28.31% | 25% | 24.65% | 25.07% |
| Net Profit | 0.76 | 0.36 | 1.31 | 1.19 | 1.67 | 2.5 | 2.56 | 0.25 | 2.99 | 2.38 | 1.91 | 2.16 | 2.5 |
| EPS (₹) | 0.66 | 0.22 | 0.82 | 0.74 | 1.04 | 1.56 | 1.65 | 0.16 | 1.92 | 1.53 | 1.23 | 1.39 | 1.61 |
Profit & Loss
₹ Cr| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.75 | 1.27 | 1.34 | 1.08 | 1.06 | 1.29 | 0.61 | 1.26 | 3.35 | 7.03 | 15.27 | 17.18 | 16.74 |
| Expenses | 0.71 | 0.74 | 0.68 | 0.69 | 0.42 | 1.18 | 0.07 | 0.99 | 0.25 | 0.56 | 0.97 | 0.72 | 0.45 |
| Financing Profit | 1.02 | 0.53 | 0.66 | 0.38 | 0.64 | 0.11 | 0.54 | 0.26 | 1.92 | 4.83 | 11.99 | 12.38 | 12.11 |
| Fin. Margin % | 58.29% | 41.73% | 49.25% | 35.19% | 60.38% | 8.53% | 88.52% | 20.63% | 57.31% | 68.71% | 78.52% | 72.06% | 72.34% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01 | 0 | −1.49 | 0.36 | 0 |
| Interest | 0.02 | 0 | 0 | 0.01 | 0 | 0 | 0 | 0.01 | 1.18 | 1.64 | 2.31 | 4.08 | 4.18 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01 | 0.02 | 0.02 | 0.01 | 0.01 | 0 |
| PBT | 1.02 | 0.53 | 0.66 | 0.38 | 0.64 | 0.11 | 0.54 | 0.25 | 1.91 | 4.81 | 10.49 | 12.73 | 12.11 |
| Tax % | 22.55% | 13.21% | 10.61% | 26.32% | 31.25% | 72.73% | 11.11% | 48% | 24.08% | 25.16% | 21.07% | 25.92% | — |
| Net Profit | 0.79 | 0.45 | 0.59 | 0.28 | 0.44 | 0.03 | 0.48 | 0.13 | 1.45 | 3.6 | 8.28 | 9.44 | 8.95 |
| EPS (₹) | 1.03 | 0.58 | 0.77 | 0.36 | 0.57 | 0.04 | 0.62 | 0.17 | 1.88 | 2.25 | 5.33 | 6.08 | 5.76 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | — |
Balance Sheet
₹ Cr| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 4.28 | 4.28 | 4.28 | 4.28 | 4.28 | 4.28 | 4.28 | 4.28 | 4.28 | 8.91 | 15.54 | 15.54 |
| Reserves | 7.43 | 7.88 | 8.47 | 8.75 | 9.19 | 9.22 | 9.7 | 9.82 | 19.3 | 28.77 | 58.53 | 67.97 |
| Borrowing | 0 | 0 | 0 | 0.01 | 0 | 0 | 0 | 0 | 36.14 | 40.22 | 44.45 | 50.45 |
| Other Liabilities | 0.2 | 0.23 | 0.15 | 0.02 | 0.12 | 0.63 | 0.25 | 0.53 | 0.89 | 2.66 | 3.14 | 4.92 |
| Total Liabilities | 11.91 | 12.39 | 12.9 | 13.06 | 13.59 | 14.13 | 14.23 | 14.63 | 60.61 | 80.56 | 122 | 139 |
| Fixed Assets | 0 | 0 | 0 | 0 | 0.01 | 0.01 | 0.01 | 0.07 | 0.05 | 0.03 | 0.03 | 0.02 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 6.96 | 7.89 | 8.39 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Assets | 4.95 | 4.5 | 4.51 | 13.06 | 13.58 | 14.12 | 14.22 | 14.56 | 60.56 | 80.53 | 122 | 139 |
| Total Assets | 11.91 | 12.39 | 12.9 | 13.06 | 13.59 | 14.13 | 14.23 | 14.63 | 60.61 | 80.56 | 122 | 139 |
Cash Flow
₹ Cr| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | 0.89 | 0.5 | 0.4 | −11.16 | 1.08 | −2.76 | 0.07 | −0.28 | −25.97 | −23.86 | −33.63 | 17.64 |
| Investing | −0.71 | −0.9 | −0.22 | 8.75 | −0.01 | 0 | 0 | −0.07 | 0 | 0 | 0 | 0 |
| Financing | 0 | 0 | 0 | 0.97 | 0.19 | 0 | 0 | 0 | 42.98 | 12.98 | 30.16 | 2 |
| Net Cash Flow | 0.17 | −0.4 | 0.18 | −1.45 | 1.25 | −2.76 | 0.07 | −0.35 | 17.01 | −10.88 | −3.47 | 19.64 |
| Free Cash Flow | 0.89 | 0.5 | 0.4 | −11.16 | 1.07 | −2.76 | 0.07 | −0.35 | −25.97 | −23.86 | −33.63 | 17.64 |
Ratios
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 6.98% | 3.77% | 4.74% | 2.17% | 3.32% | 0.22% | 3.49% | 0.93% | 7.7% | 11.75% | 17.23% | 11.41% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Aastamangalam Finance insights
44 extracted metrics across FY10–FY27.
Documents
- 12 Aug 2026
- 14 Nov 2024
- 21 May 2024
- 14 Feb 2024
- 13 Nov 2023
Frequently Asked Questions about Aastamangalam Finance
What does Aastamangalam Finance Ltd do?
Incorporated in 1985, Aastamangalam Finance Ltd (formerly Upasana Finance Ltd) is engaged in the business of Lending.
Where is Aastamangalam Finance Ltd (AASTAFIN) listed?
Aastamangalam Finance Ltd trades under code 511764 on the BSE.
Which sector does Aastamangalam Finance Ltd belong to?
Aastamangalam Finance Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the PE ratio of Aastamangalam Finance Ltd?
Aastamangalam Finance Ltd trades at a PE ratio of 4.84 as of 4 Nov 2026, on earnings per share of ₹5.76, against a book value of ₹53.75 per share.
What is the 52-week high and low of Aastamangalam Finance Ltd?
Over the last 52 weeks Aastamangalam Finance Ltd has traded between ₹23.25 and ₹51 as of 4 Nov 2026.
What is the Return on Equity (ROE) of Aastamangalam Finance Ltd?
Aastamangalam Finance Ltd reported a return on equity of 11.40%. Its debt-to-equity ratio is 0.60.
Company Information
Incorporated in 1985, Aastamangalam Finance Ltd (formerly Upasana Finance Ltd) is engaged in the business of Lending.
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