Ashika Credit Capital Ltd - Stock Valuation and Financial Performance

BSE: 543766 | NSE: | Finance - NBFC | Small Cap

Ashika Credit Cap Share Price

902.30 8.90 1.00%
as on 10-Jan'25 16:59

DeciZen - make an informed investing decision on Ashika Credit Cap

Overall Rating
Bole Toh

1. Quality

2. Valuation

Overvalued

3. Price Trend

Ashika Credit Capital stock performance -

P/E Ratio (SA):
87.18
Market Cap:
2,272.8 Cr.
52-wk low:
48
52-wk high:
915

Is Ashika Credit Capital Ltd an attractive stock to invest in?

1. Is Ashika Credit Capital Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Ashika Credit Capital Ltd is a below average quality company.

2. Is Ashika Credit Capital Ltd undervalued or overvalued?

The key valuation ratios of Ashika Credit Capital Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.

3. Is Ashika Credit Capital Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Ashika Credit Capital Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of Ashika Credit Cap:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Ashika Credit Capital Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)3.12.13.710.918.17.16.56.810.618.443
YoY Gr. Rt. %--31.4%70.6%198.6%65.8%-60.7%-8.3%3.8%56.6%73.4%-
Adj EPS (₹ ) 1.3-8.62.72.67.5-2.11.435910.4
YoY Gr. Rt. %--742.9%NA-4.5%189.9%-128.7%NA113.8%67.8%82%-
BVPS (₹ )39.430.933.63742.53940.343.348.357.3114.9
YoY Gr. Rt. %--21.7%8.8%10.2%15%-8.4%3.5%7.4%11.5%18.7%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)2.9-21.363.38.4-4.43.46.29.513.60

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income21.8%0.3%41.3%73.4%
Adj EPS23.7%3.9%86.9%82%
BVPS4.3%6.1%12.4%18.7%
Share Price - - - 1533.7%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)29.8-279.651.625.546.8-35.725.151.855.558.261
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)3.4-24.48.48.819.2-5.43.57.110.817.19.6

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 12.00%

Total Income has increased 41.26 CAGR in last 3 years

Net Profit has increased 86.90 CAGR in last 3 years

Total income growth is good in last 4 quarters

No data to display

Latest Financials - Ashika Credit Capital Ltd.

Standalone Consolidated
TTM EPS (₹) 10.4 0.2
TTM Sales (₹ Cr.) 42.7 29.1
BVPS (₹.) 114.9 0
Reserves (₹ Cr.) 247 70
P/BV 7.85 0.00
PE 87.18 0.00
From the Market
52 Week Low / High (₹) 48.01 / 915.00
All Time Low / High (₹) 13.85 / 908.00
Market Cap (₹ Cr.) 2,273
Equity (₹ Cr.) 25.2
Face Value (₹) 10
Industry PE 28.2

Quarterly Results

 Dec'23 YoY Gr. Rt. %Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %
Operating Income13.7 N/A-6.5 N/A18.5 279.317.1 168.4
Adj EPS (₹)8.20 N/A-5.40 N/A11.34 313.94.33 24.8
Net Profit Mgn %71.19 -3388 bps98.16 -27468 bps72.79 604 bps54.30 -1053 bps

Management X-Ray of Ashika Credit Cap:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:63.4%Institutions:1.51%Non-Institutions:35.09%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Jun22Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep240%10%20%30%40%50%60%70%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of Ashika Credit Cap

MRP
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MOS
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DP
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Base BVPS
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DPS
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MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

Key Ratios of Ashika Credit Cap

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Piramal Enterprises 987.5 -45.2 (-4.4%) Small Cap 10,020 -84.1 -16.8 - 0.9
Edelweiss Financial 114.5 -4.6 (-3.8%) Small Cap 9,500 4.9 5.6 24.3 2.2
Manappuram Finance 180.3 1.4 (0.8%) Small Cap 8,848 26.7 24.8 6.7 1.2
CreditAccess Grameen 975.5 -25.1 (-2.5%) Small Cap 5,167 83.6 28 12 2.3
Spandana Sphoorty 405.8 -45.1 (-10%) Small Cap 2,424 13.4 20.7 33.7 0.9
Fusion Micro Finance 177.7 -9.5 (-5.1%) Small Cap 2,317 -8.1 21.8 - 0.8
Muthoot Microfin 171 -2.7 (-1.6%) Small Cap 2,270 24.6 19.8 7.1 1
Five Star Business 677.6 -42.6 (-5.9%) Small Cap 2,183 33.1 38.3 21.7 3.7
Northern ARC Capital 214.9 -5.9 (-2.7%) Small Cap 1,829 17.4 15.3 12.7 1.1
Fedbank Financial 100.2 -0.2 (-0.2%) Small Cap 1,577 7.2 15.5 14 1.6
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income327112277111319
Interest Income32411187771118
Other Income 0030400520
Expenditure 2104710114656
Interest Expense 0005700001
Operating Expenses 1122341445
Provisions 1921073200
Exceptional Items 0000000000
Profit Before Tax 1-83412-425813
Taxes 0-2113-11222
Profit After Tax 1-6238-324611
Adjusted EPS (₹)1.3-8.62.72.67.5-2.11.43.05.09.0
Dividend Payout Ratio (%)0%0%0%0%13%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital28222340484648515768
Share Capital 77711111212121212
Reserves 21151629373436404556
Minority Interest0000000000
Long Term Borrowings157-1-1021126
Current Liabilities 0169320101132
Trade Payables0000000000
Short term borrowings0069217001000
Other Liabilities00-6-91-1600-1000
Total Liabilities 292736133684850636197

Assets

Non Current Asset 4123584654511
Loan Asset 000056420000
Other Non Current Asset 41232454511
Current Asset 25263313110245186096
Current Investment090000003794
Other Current Asset2517331311024518232
Total Assets 292736133684850636197

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 72-16-866782-1210-25
Cash Flow From Investing Activity 7-8110000000
Cash Flow From Financing Activity -806101-73-17010-1025
Net Cash Flow 6-6015-7-82-200
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)1-9337-21359
DPS (₹)0000100000
BVPS (₹)39313437433940434857

Performance Ratios

ROA (%)2.9-21.36.03.38.4-4.43.46.29.513.6
ROE (%)3.4-24.48.48.819.2-5.43.57.110.817.1
ROCE (%)4.1-32.811.810.419.2-5.55.310.113.617.9

Valuation Parameters

Price/Book(x)1.11.00.90.00.00.51.00.90.81.2

Ashika Credit Capital Ltd Stock News

Ashika Credit Capital Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Ashika Credit Cap on 10-Jan-2025 16:59 is ₹902.3.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 10-Jan-2025 16:59 the market cap of Ashika Credit Cap stood at ₹2,272.8.
The latest P/E ratio of Ashika Credit Cap as of 10-Jan-2025 16:59 is 87.18.
The latest P/B ratio of Ashika Credit Cap as of 10-Jan-2025 16:59 is 7.85.
The 52-week high of Ashika Credit Cap is ₹915.0 and the 52-week low is ₹48.01.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Ashika Credit Cap is ₹42.73 ( Cr.) .

About Ashika Credit Capital Ltd

Ashika Credit Capital Limited, Flagship Company of Kolkata based Ashika Group, a RBI-registered non-deposit taking non-banking financial company, is engaged in a gamut of financial services which includes fund based activities like providing loans and advances, inter corporate deposits, loans against securities and investments in shares and securities. The Company's services are available to individuals, corporate and financial institutions throughout India. The company’s shares are traded at BSE and listed with CSE & MSEI. It floated its shares to public in 2000.

The company started its journey in the year 1994 as a financial service provider and from thereon it moved ahead by expanding and diversifying its scope of services. The Company is headed and promoted by Pawan Jain and Daulat Jain. It possess a rich experience of more than 25 years in the Finance and service industry. Over the years, it has taken the Company to newer heights and the Company has emerged as one of the most trusted financial services providers with a strong presence in Eastern India.

Business area of the company

The Company is engaged in fund-based activities like providing loans and advances, inter-corporate deposits, loans against securities and investments in shares and securities. The Company provides services to individuals, corporate and financial institutions.

Business segment
  • Retail Broking
  • Institutional Equity
  • Lending
  • Investment Banking
  • Wealth Management
  • Investment Fund
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