Akme Fintrade (India) Limited

NSE: AFIL · Non Banking Financial Company (NBFC)

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Snapshot

Unlock Akme Fintrade (India) Limited's vital signs

Growth · Profitability · Valuation · Strength · Conviction

Company Overview

Business

Akme Fintrade (India) Limited is a non-banking financial company (NBFC) based in Udaipur that provides a diverse range of lending services. Its portfolio includes vehicle loans, business loans, solar rooftop financing, and loans against property.

Business Model

The company generates revenue primarily through interest income earned on its diversified loan book, which spans retail and corporate segments. It operates as a lender providing credit solutions to individuals and businesses across India.

  • Founded:1995

Growth Outlook

Growth is expected to be driven by the expansion of its specialised lending products, such as solar rooftop and mahila udyog loans. The company continues to leverage its established presence in the Indian financial market to scale its loan book.

Key Risks

  • Credit Risk. The company faces potential losses if borrowers default on their loan obligations, particularly within the retail and small business segments.
  • Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the overall cost of borrowing.
  • Regulatory Risk. As an NBFC, the company is subject to stringent regulations by the Reserve Bank of India, which may impact its operational flexibility.
  • Liquidity Risk. The company relies on consistent access to funding markets to maintain its lending activities and meet debt obligations.

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Key Metrics

REVENUE

₹159 Cr

TTM · standalone

+40.5%YoY

NET PROFIT

₹44 Cr

TTM · standalone

+29.4%YoY

EPS

₹1.04

TTM · standalone

-91.6%YoY

RETURN ON EQUITY

11.0%

TTM · standalone

+2.0 ppYoY

P/E

8.9x

Q1 FY27 · standalone

8.9 vs 3.2x5Y avg

NET PROFIT MARGIN

27.8%

Q1 FY27 · standalone

-2.3 ppYoY

DEBT TO EQUITY

1.2%

Q1 FY27 · standalone

+0.3 ppYoY

Peers · Non Banking Financial Company (NBFC)

CompanyMkt CapP/EEV/EBITDARev Gr YoYEBITDA MgnROEROCE1Y Return
Akme Fintrade (India) LimitedAFIL
₹393 Cr8.8740.5%11.0%+33.4%
Unifinz Capital India LimitedUCIL
₹456 Cr1.25429.3%78.0%-81.9%
Purple FinancePURPLEFIN
₹420 Cr-356.55204.7%-1.2%+89.3%
Moneyboxx Finance LimitedMONEYBOXX
₹410 Cr245.005.9%0.5%-58.1%
Muthoot Capital Services LimitedMUTHOOTCAP
₹398 Cr16.5922.0%3.6%-12.6%
Avonmore Capital & Management Services LimitedAVONMORE
₹367 Cr24.1111.4%8.3%-31.2%

As of Q1 FY27

Financials