Check Before You Invest : Avonmore Capital & Management Services Ltd

Q: Which industry/sub-sector does Avonmore Capital & Management Services Ltd belong to?

Avonmore Capital & Management Services Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q: Is Avonmore Capital & Management Services Ltd a good quality company?

Avonmore Capital & Management Services Ltd is a average quality company, based on a somewhat consistent 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 Avonmore Capital & Management Services Ltd undervalued or overvalued?

Avonmore Capital & Management Services Ltd appears Somewhat overvalued, as its key valuation ratios are higher than 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: 209.92, Historic Median: 44.91. Price to Book, Current: 1.9, Historic Median: 1.87. Price to Sales, Current: 51.23, Historic Median: 40.97. EV to EBITDA, Current: 59.88, Historic Median: 55.47

Q: Is Avonmore Capital & Management Services Ltd a good buy now?

Avonmore Capital & Management 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 Avonmore Capital & Management Services Ltd?

Avonmore Capital & Management Services Ltd Operating Income growth is 144.35% for FY-2025, which is above its 5-year CAGR of 59.45%, indicating faster growth.

Q: Return on Assets of Avonmore Capital & Management Services Ltd?

Avonmore Capital & Management Services Ltd Return on Asset is 5.4%, which is above its 5-year historical median of 1.1%, indicating improved earnings on assets. Efficiency & Key Metrics. NPM (%), Current: 56.59, Historic Median: 37.73. PPOP (%), Current: 700, Historic Median: 100. RoA (%), Current: 5.4, Historic Median: 1.1

Q: Return on Equity (ROE) of Avonmore Capital & Management Services Ltd?

Avonmore Capital & Management Services Ltd Return on Equity is 9.2% for FY-2025, which is above its 5-year historical median of 1.4%, indicating the business is making better use of its shareholders capital.

Q: Pre-provisioning operating profit margin of Avonmore Capital & Management Services Ltd?

Avonmore Capital & Management Services Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 700% for FY-2025, which is above its 5-year median(100%), indicating increasing margins.

Q: Net Profit Margin of Avonmore Capital & Management Services Ltd?

Avonmore Capital & Management 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 56.59% for FY-2025, which is above its 5-year median( 37.73%), indicating increasing margins.

Q: Does its ROIC exceed its WACC?

Avonmore Capital & Management Services Ltd return on invested capital (ROIC) is 7.43% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

Check Before You Invest : Avonmore Capital & Management Services Ltd

BSE: 511589 NSE: AVONMORE ISIN: INE323B01024

| Sector: BFSI | Industry: Finance - NBFC

Snapshot

Q.1 Which industry/sub-sector does Avonmore Capital & Management Services Ltd belong to?

Avonmore Capital & Management Services Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q.2 Is Avonmore Capital & Management Services Ltd a good quality company?

Avonmore Capital & Management Services Ltd is a average quality company, based on a somewhat consistent 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 Avonmore Capital & Management Services Ltd undervalued or overvalued?

Avonmore Capital & Management Services Ltd appears Somewhat overvalued, as its key valuation ratios are higher than 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	209.92	44.91
Price to Book	1.9	1.87
Price to Sales	51.23	40.97
EV to EBITDA	59.88	55.47

Q.4 Is Avonmore Capital & Management Services Ltd a good buy now?

Avonmore Capital & Management 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 Avonmore Capital & Management Services Ltd?

Avonmore Capital & Management Services Ltd Operating Income growth is 144.35% for FY-2025, which is above its 5-year CAGR of 59.45%, indicating faster growth.

Q.2 Return on Assets of Avonmore Capital & Management Services Ltd?

Avonmore Capital & Management Services Ltd Return on Asset is 5.4%, which is above its 5-year historical median of 1.1%, indicating improved earnings on assets.

	Current Level	5-year Historic Median
NPM (%)	56.59	37.73
PPOP (%)	700	100
RoA (%)	5.4	1.1

Q.3 Return on Equity (ROE) of Avonmore Capital & Management Services Ltd?

Avonmore Capital & Management Services Ltd Return on Equity is 9.2% for FY-2025, which is above its 5-year historical median of 1.4%, indicating the business is making better use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Avonmore Capital & Management Services Ltd?

Avonmore Capital & Management Services Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 700% for FY-2025, which is above its 5-year median(100%), indicating increasing margins.

Q.5 Net Profit Margin of Avonmore Capital & Management Services Ltd?

Avonmore Capital & Management 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 56.59% for FY-2025, which is above its 5-year median( 37.73%), indicating increasing margins.

Q.6 Does its ROIC exceed its WACC?

Avonmore Capital & Management Services Ltd return on invested capital (ROIC) is 7.43% 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.7 Total Asset growth of Avonmore Capital & Management Services Ltd?

Avonmore Capital & Management Services Ltd Total Asset growth is 13.03% for FY-2025, which is below its 5-year CAGR of 21.64%, indicating slower growth.

Ownership & governance

D: Promoter shareholding and pledge status of Avonmore Capital & Management Services Ltd?

Q.1 Promoter shareholding and pledge status of Avonmore Capital & Management Services Ltd?

Promoters hold 58.46% of the Avonmore Capital & Management Services Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Avonmore Capital & Management Services Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Avonmore Capital & Management Services Ltd vs Industry Peers?

Avonmore Capital & Management Services Ltd AUM CAGR is 21.64%, 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 Avonmore Capital & Management Services Ltd vs industry peers

Avonmore Capital & Management 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 (%)	56.59	12.87
PPOP (%)	700	-
RoA (%)	5.4	1.4

Q.3 Operating efficiency of Avonmore Capital & Management Services Ltd vs industry peers?

Avonmore Capital & Management Services Ltd ROCE (2.8) is below the industry median of (4.15); while the current ROE (1.4) 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 (%)	56.59	12.87
PPOP (%)	700	-
RoA (%)	5.4	1.4
ROCE (%)	9.2	4.15
ROE (%)	9.2	2.3

Valuation & price assessment

Q.1 Stock return of Avonmore Capital & Management Services Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 30.7% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	30.7%	48.1%	25.1%	-37.3%

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	209.92	44.91	29.12
Price to Book	1.9	1.87	1.11
Price to Sales	51.23	40.97	9.10
EV to EBITDA	59.88	55.47	11.77

Q.3 Valuation ratios of Avonmore Capital & Management Services Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of 1.9 is lower than its historical median of 1.87, indicating that the stock is trading below its historical average valuation.

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Check Before You Invest : Avonmore Capital & Management Services Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

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