Check Before You Invest : Abans Financial Services Ltd

Q: Which industry/sub-sector does Abans Financial Services Ltd belong to?

Abans Financial Services Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q: Is Abans Financial Services Ltd a good quality company?

Abans Financial Services Ltd is a weak quality company, based on a inconsistent multi-year financial track record. This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q: Is Abans Financial Services Ltd undervalued or overvalued?

Abans Financial Services Ltd appears Fair, as its key valuation ratios are in line with their past averages. Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more. Valuation Ratios. Price to Earnings, Current: 147.36, Historic Median: 81.88. Price to Book, Current: 6.36, Historic Median: 12.56. Price to Sales, Current: 57.33, Historic Median: 130.97. EV to EBITDA, Current: 121.65, Historic Median: 52.72

Q: Is Abans Financial Services Ltd a good buy now?

Abans Financial Services Ltd is a neutral opportunity now, based on stable price trend analysis suggesting prices may move sideways. However, you need to check its quality and valuation before making a decision

Q: Total Income growth of Abans Financial Services Ltd?

Abans Financial Services Ltd Operating Income growth is 111.17% for FY-2025, which is above its 5-year CAGR of 95.03%, indicating faster growth.

Q: Return on Assets of Abans Financial Services Ltd?

Abans Financial Services Ltd Return on Asset is 11%, which is above its 5-year historical median of 0.9%, indicating improved earnings on assets. Efficiency & Key Metrics. NPM (%), Current: 48.68, Historic Median: 48.68. PPOP (%), Current: -, Historic Median: -. RoA (%), Current: 11, Historic Median: 0.9

Q: Return on Equity (ROE) of Abans Financial Services Ltd?

Abans Financial Services Ltd Return on Equity is 12.7% for FY-2025, which is above its 5-year historical median of 1.8%, indicating the business is making better use of its shareholders capital.

Q: Net Profit Margin of Abans Financial Services Ltd?

Abans Financial Services Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 48.68% for FY-2025, which is in line with its 5-year median( 48.68%), indicating stable margins.

Q: Does its ROIC exceed its WACC?

Abans Financial Services Ltd return on invested capital (ROIC) is 10.87% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

Q: Total Asset growth of Abans Financial Services Ltd?

Abans Financial Services Ltd Total Asset growth is 31.36% for FY-2025, which is below its 5-year CAGR of 50.61%, indicating slower growth.

Check Before You Invest : Abans Financial Services Ltd

BSE: 543712 NSE: AFSL ISIN: INE00ZE01026

| Sector: BFSI | Industry: Finance - NBFC

Snapshot

Q.1 Which industry/sub-sector does Abans Financial Services Ltd belong to?

Abans Financial Services Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q.2 Is Abans Financial Services Ltd a good quality company?

Abans Financial Services Ltd is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q.3 Is Abans Financial Services Ltd undervalued or overvalued?

Abans Financial Services Ltd appears Fair, as its key valuation ratios are in line with their past averages.

Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more.

Valuation Ratios	Current	5-year Historic Median
Price to Earnings	147.36	81.88
Price to Book	6.36	12.56
Price to Sales	57.33	130.97
EV to EBITDA	121.65	52.72

Q.4 Is Abans Financial Services Ltd a good buy now?

Abans Financial Services Ltd is a neutral opportunity now, based on stable price trend analysis suggesting prices may move sideways. However, you need to check its quality and valuation before making a decision

Performance Analysis

We have analysed the performance of the company on the following:

How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

A: What are the trends in income and profitability?

Q.1 Total Income growth of Abans Financial Services Ltd?

Abans Financial Services Ltd Operating Income growth is 111.17% for FY-2025, which is above its 5-year CAGR of 95.03%, indicating faster growth.

Q.2 Return on Assets of Abans Financial Services Ltd?

Abans Financial Services Ltd Return on Asset is 11%, which is above its 5-year historical median of 0.9%, indicating improved earnings on assets.

	Current Level	5-year Historic Median
NPM (%)	48.68	48.68
PPOP (%)	-	-
RoA (%)	11	0.9

Q.3 Return on Equity (ROE) of Abans Financial Services Ltd?

Abans Financial Services Ltd Return on Equity is 12.7% for FY-2025, which is above its 5-year historical median of 1.8%, indicating the business is making better use of its shareholders capital.

Q.4 Net Profit Margin of Abans Financial Services Ltd?

Abans Financial Services Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 48.68% for FY-2025, which is in line with its 5-year median( 48.68%), indicating stable margins.

Q.5 Does its ROIC exceed its WACC?

Abans Financial Services Ltd return on invested capital (ROIC) is 10.87% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

B: Does the bank grow efficiently and manage its operating costs?

Q.6 Total Asset growth of Abans Financial Services Ltd?

Abans Financial Services Ltd Total Asset growth is 31.36% for FY-2025, which is below its 5-year CAGR of 50.61%, indicating slower growth.

Ownership & governance

D: Promoter shareholding and pledge status of Abans Financial Services Ltd?

Q.1 Promoter shareholding and pledge status of Abans Financial Services Ltd?

Promoters hold 71.36% of the Abans Financial Services Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Abans Financial Services Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Abans Financial Services Ltd vs Industry Peers?

Abans Financial Services Ltd AUM CAGR is 50.61%, compared to the 5-year industry median CAGR of 9.71%, indicating faster growth and gaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Abans Financial Services Ltd vs industry peers

Abans Financial Services Ltd profit metrics are in line with the industry median level of 4.76%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM (%)	48.68	12.87
PPOP (%)	-	-
RoA (%)	11	1.4

Q.3 Operating efficiency of Abans Financial Services Ltd vs industry peers?

Abans Financial Services Ltd ROCE (1.3) is below the industry median of (4.15); while the current ROE (1.8) are below than the 5-year average Industry ROE (2.3). This shows that the business is positioned in the bottom quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM (%)	48.68	12.87
PPOP (%)	-	-
RoA (%)	11	1.4
ROCE (%)	14.6	4.15
ROE (%)	12.7	2.3

Valuation & price assessment

Q.1 Stock return of Abans Financial Services Ltd over the last decade?

Over the last 3 years, the stock has delivered a CAGR of -6.9% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	-	-	-6.9%	0.5%

Q.2 How do the current valuation ratios compare with 5-year historical median and industry numbers?

Valuation Ratios	Current	5-year Historic Median	5-year Industry Median
Price to Earnings	147.36	81.88	29.12
Price to Book	6.36	12.56	1.11
Price to Sales	57.33	130.97	9.10
EV to EBITDA	121.65	52.72	11.77

Q.3 Valuation ratios of Abans Financial Services Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of 6.36 is lower than its historical median of 12.56, indicating that the stock is trading below its historical average valuation.

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Check Before You Invest : Abans Financial Services Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

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Check trending companies

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