Operates as a BSE-listed non-banking financial company lending primarily against gold, with smaller books in microfinance and vehicle loans. As of Q1FY27, the loan book stood at ₹346 crore, of which gold loans were ₹221 crore, microfinance ₹64 crore, and vehicle loans ₹55 crore. The company runs 92 branches across six states and disbursed ₹159 crore in Q1FY27 against collections of ₹149 crore. For FY26, total revenue from operations was ₹87.86 crore and net profit was ₹7.88 crore, with total assets of ₹492.95 crore. Lending is funded through NCDs and subordinated debt — total borrowings were ₹339 crore at Q1FY27, comprising NCDs of ₹152 crore and subordinated debts of ₹116 crore. Employee costs were the largest disclosed operating expense at 31.3% of revenue. Asset quality was controlled, with gross NPA of ₹4.50 crore at Q1FY27 (₹3.64 crore, approximately 1.08% of loans, at FY26 end). AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Gold loans, Microfinance loans, Vehicle loans. Small-cap NBFC, retail-focused gold-led lending with a branch-based distribution model
| ₹ crore · consolidated | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | 6 | 12 | 26 | 47 | 88 |
| EBITDA (ex other income) | 4 | 7 | 13 | 23 | 48 |
| margin % | 59.6 | 53.9 | 48.6 | 49.4 | 54.5 |
| Owners' profit | 1 | 0 | 1 | 1 | 8 |
| EPS, as reported (₹) | 0.68 | 0.24 | 0.32 | 0.45 | 2.48 |
| ROE % · ROCE % | 4.5 · — | 1.2 · — | 1.3 · — | 1.8 · — | 6.7 · — |
| Debt / equity (x) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from operations | (15) | (25) | (62) | (115) | (66) |
| Capex | (0) | (4) | (5) | (4) | (55) |
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 11 | 12 | 15 | 18 | 22 | 24 | 23 | 24 |
| Profit before tax | 0 | 0 | 1 | 2 | 2 | 3 | 3 | 3 |
| Net profit | 0 | 0 | 1 | 1 | 2 | 2 | 3 | 3 |
| EPS (₹) | 0.10 | 0.04 | 0.27 | 0.39 | 3329.34 | 0.60 | 0.92 | 0.76 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| BAJAJ FINANCE LIMITED | 6,43,552 | 31.7 | 5.50 | 11.6 | 16.5 | — | 25.2 | 70.7 |
| SHRIRAM FINANCE LIMITED | 2,42,019 | 18.1 | 3.67 | 6.7 | 15.2 | — | 22.5 | 74.7 |
| CHOLAMANDALAM IN & FIN CO | 1,57,446 | 27.2 | 5.17 | 6.9 | 17.2 | — | 26.5 | 71.2 |
| TATA CAPITAL LIMITED | 1,54,110 | 28.2 | 3.27 | 6.5 | 10.4 | — | — | 75.8 |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 8 Sept 2026 · Rights Issue: Rs 32.55 cr utilized of Rs 36.46 cr raised in Q1 FY27 | compliance | minimal | — | — |
| 31 Aug 2026 · Newspaper Advertisement Filed for 40th AGM Notice | compliance | minimal | — | — |
| 29 Aug 2026 · 40th AGM on Sep 21 via VC; seeks nod for Rs 500 Cr NCDs, Rs 1500 Cr borrowing | board shareholder meetings | low | — | — |
| 29 Aug 2026 · Record date set for 40th AGM on September 21, 2026 | board shareholder meetings | low | — | — |
| 29 Aug 2026 · 40th AGM on Sep 21, 2026; books closed Sep 15 to Sep 21 | board shareholder meetings | low | — | — |
| 29 Aug 2026 · 40th AGM notice on Sep 21, 2026; annual report for FY26 filed with BSE | board shareholder meetings | low | — | — |
| 13 Aug 2026 · Quarterly statement on use of funds raised - no deviation reported | compliance | minimal | — | — |
| 12 Aug 2026 · Board approves Q1 FY27 results, plans Rs 1500 Cr borrowing limit | results | high | — | — |
| 12 Aug 2026 · Q1 FY27: Revenue up 41% YoY, PAT up 117% YoY | results | high | — | — |
| 5 Aug 2026 · Board meet on Aug 12 for Q1 results, Rs 500 Cr debt plans and borrowing cap hike | results | low | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) | A state: the latest filed quarter and the measured reactions |
| MUTHOOT FINANCE LIMITED |
| 1,12,094 |
| 9.9 |
| 2.82 |
| 3.9 |
| 26.7 |
| — |
| 22.0 |
| 84.0 |
| SBI CARDS & PAY SER LTD | 62,349 | 27.4 | 3.96 | — | 13.8 | — | — | 33.1 |
| HDB FINANCIAL SERVICES L | 55,706 | 20.2 | 2.70 | — | 12.3 | — | — | 58.0 |
| SUNDARAM FINANCE LTD | 52,217 | 23.3 | 3.51 | 6.7 | 13.8 | — | — | 78.4 |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 0.0 | 18.2 | 2 of 212 | 100% |
| P/B | 1.4 | 1.1 | 141 of 245 | 42% |
| ROE | 6.7 | 3.0 | 87 of 266 | 68% |
| Debt / Equity | 0.0 | 0.0 | 5 of 266 | 11% |
| EBITDA margin | 66.5 | 48.6 | 92 of 249 | 63% |
| Revenue growth | 31.4 | 12.6 | 85 of 231 | 64% |
| Profit growth | 117.3 | 7.8 | 59 of 251 | 77% |
| Market cap | 169 | 37 | 73 of 260 | 72% |
| an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.
