Abirami Fin. (511756)
Slow GrowerScore breakdown: P/E: 0/3 · ROCE: 0/2 · Growth: 0/2 · Dividend: 1/1
Key Financials
| Current Price | ₹56.18 |
| Market Cap | ₹31.06 Cr |
| P/E Ratio | 38.86 |
| ROCE | 4.05% |
| ROE | 2.49% |
| Dividend Yield | 4.26% |
| Profit Growth | -15.38% |
| Debt/Equity | — |
| Sales Growth | 0% |
| 52-Week Range | ₹27.89 — ₹56.18 |
| Sector | Finance |
| Book Value | ₹39.17 |
Strengths
- Dividend yield of 4.26% provides some current income if sustained.
- P/B of 1.43 is not extreme, and book value is positive at ₹39.17.
- Stock is trading at ₹56.18, just below its 52-week high of ₹56.25, indicating recent market interest.
Concerns
- P/E of 38.86 is expensive given -15.38% profit growth and 0.00% sales growth.
- ROE of 2.49% and ROCE of 4.05% show very weak capital efficiency for an NBFC.
- Latest quarter reported ₹0 sales and ₹0 net profit, casting doubt on active operations.
- Piotroski F-Score of 3/9 signals poor financial health.
AI Analysis
Let me look at Abirami Fin. as a business, not a ticker. At a market cap of ₹31 Cr, this is a micro-cap. The first hard truth is that this NBFC earns very little on its equity: ROE is just 2.49% and ROCE is 4.05%. A financial company that cannot generate double-digit returns on capital has no moat; it is a marginal user of capital, not a compounder. Book value is ₹39.17 per share, yet the market price is ₹56.18, or 1.43 times book. For a company earning less than three percent on that book, this is not a bargain; it is optimism. The P/E of 38.86 is impossible to justify when profit growth is minus 15.38% and sales growth is zero. Graham would ask: where is the margin of safety? I do not see it. The latest quarter reports zero sales and zero net profit; a real lender or financial business should show activity, not a blank. The Piotroski F-score of 3 out of 9 reinforces the evidence of weak financial health. The dividend yield of 4.26% may attract income seekers, but falling profits and a zero-earnings quarter put that dividend at risk. Promoter holding is not disclosed; for a small NBFC, lack of transparency is a warning. There is no growth engine, no pricing power, and no durable franchise. This looks like a tiny, sub-scale financial company with an attractive-looking dividend but poor underlying economics. I would rather pay a fair price for a wonderful business than a rich price for a weak one. Here the price is rich, the fundamentals are weak, and the data are incomplete. I will keep this in the too-hard pile.
Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer