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Raama Finance

538540 BSE
₹7.75

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P/E
8.52
View as Markdown
MCP
Close 4 Nov 2026 ₹7.75 +1.10 +16.5% 1Y
Start ₹6.65

Key Fundamentals

MicrocapFinanceFinancial Services

Price-based figures at the close · EPS basis: Standalone · TTM

Debt to Equity
0.10
EPS (TTM)
₹0.91
Book Value
₹3.85
Market Cap
—
P/E (TTM)
8.52
P/B
2.01
ROE
18.50%
Dividend Yield
0.00%
52W High
₹20.86
52W Low
₹6.35
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

46 Average

Data confidence 94/100

Category scores

Quality
29
Poor
Returns, margins, earnings quality 22% weight
Valuation
47
Average
Cheap vs sector & own history 24% weight
Growth
99
Strong
Sales & profit trajectory 9% weight
Financial Health
99
Strong
Solvency, leverage, coverage 9% weight
Momentum
10
Poor
Trend strength, vol-adjusted 12% weight
Ownership
35
Poor
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

1
  • Company has delivered good profit growth of 218% CAGR over last 5 years

Weaknesses

4
  • Stock is trading at 3.37 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Promoter holding has decreased over last quarter: -5.87%
  • Company has a low return on equity of 11.5% over last 3 years.

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bearish1216
OscillatorsStrong Bullish216
Moving AveragesStrong Bearish1000

Key readings

RSI (14)
13.70
Bullish
MACD (12,26,9)
−1.83
Bearish
SMA (50)
14.42
Bearish
SMA (200)
13.59
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

Revenue growth by window
10Y+40.59%
5Y+83.51%
3Y+195.03%
1YTiny base
TTMTiny base

Net profit

Net profit growth by window
10Y+66.32%
5Y+217.77%
3Y+586.83%
1YTiny base
TTMTiny base

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

Revenue by year, ₹ crore
Mar 2017₹0.31 Cr
Mar 2018₹0.34 Cr
Mar 2019₹0.53 Cr
Mar 2020₹0.62 Cr
Mar 2021₹0.58 Cr
Mar 2022₹0.51 Cr
Mar 2023₹0.47 Cr
Mar 2024₹0.46 Cr
Mar 2025₹0.38 Cr
Mar 2026₹12.07 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹0.05 Cr
Mar 2018₹0.02 Cr
Mar 2019₹0.06 Cr
Mar 2020₹0.02 Cr
Mar 2021₹0.01 Cr
Mar 2022₹0.02 Cr
Mar 2023₹0.01 Cr
Mar 2024₹0.02 Cr
Mar 2025₹0.02 Cr
Mar 2026₹3.24 Cr

Quarterly Results

₹ Cr
538540 quarterly results, ₹ crore
Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
0.03
0.01
0.06
0.36
0.11
0.07
0.16
0.03
0.17
0.17
2.09
9.63
21.31
Expenses
0.03
0.01
0.06
0.34
0.11
0.07
0.16
0.02
0.17
0.01
1.67
6.01
14.46
Financing Profit
0
0
0
0.02
0
0
0
0.01
0
0.16
0.42
3.52
6.73
Fin. Margin %
0%
0%
0%
5.56%
0%
0%
0%
33.33%
0%
94.12%
20.1%
36.55%
31.58%
Other Income
0
0
0
0
0
0
0
0
0
0
0.01
0.06
0
Interest
0
0
0
0
0
0
0
0
0
0
0
0.1
0.12
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0.06
0.13
PBT
0
0
0
0.02
0
0
0
0.01
0
0.16
0.43
3.52
6.6
Tax %
—
—
—
0%
—
—
—
0%
—
25%
27.91%
25.28%
33.94%
Net Profit
0
0
0
0.01
0
0
0
0.01
0
0.12
0.31
2.63
4.35
EPS (₹)
0
0
0
0
0
0
0
0
0
0.01
0.04
0.32
0.54

Profit & Loss

₹ Cr
538540 profit and loss, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
0.21
0.4
0.31
0.34
0.53
0.62
0.58
0.51
0.47
0.46
0.38
12.07
33.2
Expenses
0.17
0.35
0.24
0.3
0.45
0.59
0.55
0.49
0.45
0.44
0.36
7.68
22.15
Financing Profit
0.04
0.05
0.07
0.04
0.08
0.03
0.03
0.02
0.02
0.02
0.02
4.28
10.83
Fin. Margin %
19.05%
12.5%
22.58%
11.76%
15.09%
4.84%
5.17%
3.92%
4.26%
4.35%
5.26%
35.46%
32.62%
Other Income
0.01
0
0.02
0.02
0.02
0.01
0
0
0
0
0
0.07
0.07
Interest
0
0
0
0
0
0
0
0
0
0
0
0.11
0.22
Depreciation
0.03
0.02
0.02
0.02
0.02
0.02
0.02
0
0
0
0
0.06
0.19
PBT
0.02
0.03
0.07
0.04
0.08
0.02
0.01
0.02
0.02
0.02
0.02
4.29
10.71
Tax %
50%
33.33%
28.57%
25%
25%
50%
0%
0%
0%
0%
0%
24.24%
—
Net Profit
0.02
0.02
0.05
0.02
0.06
0.02
0.01
0.02
0.01
0.02
0.02
3.24
7.41
EPS (₹)
0
0
0.01
0
0.01
0
0
0
0
0
0
0.4
0.91
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
—

Balance Sheet

₹ Cr
538540 balance sheet, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
5.12
5.12
5.12
5.12
5.12
5.12
5.12
5.12
5.12
5.12
5.12
8.12
Reserves
0.13
0.16
0.2
0.23
0.29
0.31
0.33
0.37
0.39
0.4
0.5
21.23
Borrowing
0
0
0
0
0
0
0
0.15
0.34
0.31
0.31
3.01
Other Liabilities
0.08
0.08
0.11
0.06
0.72
1.5
1.66
1.42
1.36
1.23
0.45
11.6
Total Liabilities
5.33
5.36
5.43
5.41
6.13
6.93
7.11
7.06
7.21
7.06
6.38
43.96
Fixed Assets
0.39
0.36
0.34
0.32
0.3
0.29
0.01
0.01
0
0
0
1.93
CWIP
0
0
0
0
0
0
0
0
0
0
0
0.76
Investments
0.25
0.15
0.15
0
0
0
0
0
0
0
0
9.23
Other Assets
4.69
4.85
4.94
5.09
5.83
6.64
7.1
7.05
7.21
7.06
6.38
32.04
Total Assets
5.33
5.36
5.43
5.41
6.13
6.93
7.11
7.06
7.21
7.06
6.38
43.96

Cash Flow

₹ Cr
538540 cash flow, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
−0.71
−0.35
−0.46
−1.09
−0.47
−0.32
−0.08
0.11
−0.03
1.05
−0.43
−9.5
Investing
0.66
0.5
0.31
1.19
0.52
0.05
−0.19
0.04
−0.07
−0.98
0.7
−12.04
Financing
0
0
0
0
0
0.05
0.31
−0.18
0.19
−0.03
−0.25
24.67
Net Cash Flow
−0.05
0.15
−0.15
0.1
0.05
−0.22
0.04
−0.03
0.09
0.04
0.02
3.13
Free Cash Flow
−0.71
−0.35
−0.46
−1.09
−0.47
−0.32
0.2
0.11
−0.03
1.05
−0.43
−12.25

Ratios

538540 financial ratios, annual
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
0.38%
0.38%
0.94%
0.37%
1.12%
0.37%
0.18%
0.37%
0.18%
0.36%
0.36%
18.53%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Raama Finance insights

43 extracted metrics across FY11–FY27.

Shareholding Pattern

As of Sep 2026

  • Promoters 49.06%
  • Public 42.14%
  • Others 8.79%

No promoter shares pledged as of 14 Oct 2026

Change vs previous quarter

Documents

Frequently Asked Questions about Raama Finance

What does Raama Finance Ltd do?
Incorporated in 1998, Ramchandra Leasing and Finance Ltd is doing business as an NBFC
Where is Raama Finance Ltd (RAAMA) listed?
Raama Finance Ltd trades under code 538540 on the BSE.
Which sector does Raama Finance Ltd belong to?
Raama Finance Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the PE ratio of Raama Finance Ltd?
Raama Finance Ltd trades at a PE ratio of 8.52 as of 4 Nov 2026, on earnings per share of ₹0.91, against a book value of ₹3.85 per share.
What is the 52-week high and low of Raama Finance Ltd?
Over the last 52 weeks Raama Finance Ltd has traded between ₹6.35 and ₹20.86 as of 4 Nov 2026.
What is the Return on Equity (ROE) of Raama Finance Ltd?
Raama Finance Ltd reported a return on equity of 18.50%. Its debt-to-equity ratio is 0.10.

Company Information

Incorporated in 1998, Ramchandra Leasing and Finance Ltd is doing business as an NBFC

Website ramchandrafinance.com
Listed 11 Jul 2014
Face Value ₹1

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