Anupam Finserv (530109)
Fast GrowerScore breakdown: P/E: 1/3 · ROCE: 0/2 · Growth: 2/2 · Dividend: 0/1
Key Financials
| Current Price | ₹1.98 |
| Market Cap | ₹25.64 Cr |
| P/E Ratio | 24.23 |
| ROCE | 6.61% |
| ROE | 10.45% |
| Dividend Yield | 0% |
| Profit Growth | 166.67% |
| Debt/Equity | — |
| Sales Growth | 20.19% |
| 52-Week Range | ₹1.77 — ₹3.4 |
| Sector | Finance |
| Book Value | ₹0.81 |
Strengths
- Sales growth of 20.19% shows some business momentum.
- Profit growth of 166.67% indicates a strong recent earnings rebound, albeit from a low base.
- Piotroski F-Score of 7/9 suggests decent near-term financial health.
- Positive ROE of 10.45%, though modest, shows the company is not destroying equity.
- Low PEG ratio of 0.26 appears cheap if the high profit growth is sustainable.
Concerns
- Latest quarter sales are just ₹1 crore and net profit is ₹0 crore, showing extremely small and erratic earnings.
- P/E of 24.23 and P/B of 2.44 are demanding for a micro-cap NBFC with no clear competitive moat.
- ROCE of 6.61% is weak for a lending business, implying poor capital efficiency.
- No dividend, no promoter holding data, and no debt/equity disclosure create serious transparency and governance concerns.
AI Analysis
At ₹1.98, this is a ₹26 crore micro-cap NBFC. Graham would call it a cigar butt with a soggy wrapper. The business has book value of ₹0.81 per share, but sells at 2.44 times book and 24 times earnings. That is no bargain. Profit growth of 166.67% looks wonderful until you see the latest quarter had sales of ₹1 crore and net profit of ₹0 crore. One good year, or even one good quarter, does not make a great enterprise. The 20.19% sales growth is hopeful, but an NBFC's real quality lies in its loan book, cost of funds, and credit losses—none of which are visible here. ROE of 10.45% is moderate; ROCE of 6.61% is weak for a lender. With zero dividend, the only return is future price appreciation, and at ₹2 you have no institutional coverage, no promoter holding disclosed, and no debt/equity data. Piotroski score 7/9 suggests recent financial health, but I treat that as a screening aid, not a moat. The price is near its 52-week low, so the market is skeptical. Graham insisted on margin of safety: an identifiable asset, stable earnings, and management you can trust. Here, we have insufficient data. If I had to classify it, it is a fast grower from a tiny, fragile base—not a compounding machine. Retail investors should demand more before risking capital.
Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer