Helpage Finlease

BSE: HELPAGE · Non Banking Financial Company (NBFC)

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Snapshot

Unlock Helpage Finlease's vital signs

Growth · Profitability · Valuation · Strength · Conviction

Company Overview

Business

Helpage Finlease Limited is an Indian non-banking financial company that provides credit facilities and financial services to underserved segments. The firm specializes in inter-corporate deposits, personal loans, and short-term financing solutions for small and medium enterprises.

Business Model

The company generates revenue primarily through interest income and processing fees derived from its portfolio of loans and advances. It maintains a lean operational structure focused on credit assessment to manage its lending book effectively.

Management Commentary

Management emphasizes the importance of rigorous credit assessment and risk management to maintain stability within a competitive financial landscape.

Growth Outlook

Growth is driven by the company's focus on bridging the liquidity gap for businesses requiring working capital and expanding its reach within underserved market segments.

Key Risks

  • Credit Risk. The company faces the risk of borrower defaults, particularly among small and medium enterprises that may lack robust financial histories.
  • Interest Rate Risk. Fluctuations in market interest rates can impact the company's net interest margins and overall profitability.
  • Regulatory Risk. As an NBFC, the company is subject to evolving regulatory frameworks and compliance requirements set by the Reserve Bank of India.
  • Liquidity Risk. The company's reliance on short-term financing solutions may expose it to liquidity constraints if market funding conditions tighten.

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Key Metrics

REVENUE

₹13 Cr

TTM · standalone

+49.1%YoY

NET PROFIT

₹3 Cr

TTM · standalone

+100.0%YoY

EPS

₹2.95

TTM · standalone

+91.6%YoY

RETURN ON EQUITY

17.2%

TTM · standalone

+7.8 ppYoY

P/E

7.3x

Q4 FY26 · standalone

7.3 vs 28.5x5Y avg

NET PROFIT MARGIN

13.6%

Q4 FY26 · standalone

-7.2 ppYoY

DEBT TO EQUITY

5.4%

Q4 FY26 · standalone

+0.5 ppYoY

Peers · Non Banking Financial Company (NBFC)

CompanyMkt CapP/EEV/EBITDARev Gr YoYEBITDA MgnROEROCE1Y Return
Helpage FinleaseHELPAGE
₹22 Cr7.3749.1%17.2%+13.7%
Purple FinancePURPLEFIN
₹433 Cr-367.50204.7%-1.2%+102.3%
Akme Fintrade (India) LimitedAFIL
₹401 Cr9.0440.5%11.0%+35.4%
Moneyboxx Finance LimitedMONEYBOXX
₹398 Cr237.385.9%0.5%-57.2%
Muthoot Capital Services LimitedMUTHOOTCAP
₹395 Cr16.5022.0%3.6%-12.6%
Avonmore Capital & Management Services LimitedAVONMORE
₹392 Cr25.7411.4%8.3%-27.6%

As of Q4 FY26

Financials