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INVESTMENT INSIGHTS

Check Before You Invest : Affle 3i Ltd

BSE: 542752 NSE: AFFLE ISIN: INE00WC01027
  |   Sector:  IT & ITES   |   Industry:  BPO/ITeS

Snapshot

Q.1 Which industry/sub-sector does Affle 3i Ltd belong to?
Affle 3i Ltd belongs to the IT & ITES sector, operating specifically within the BPO/ITeS segment.
Q.2 Is Affle 3i Ltd a good quality company?
Affle 3i Ltd is a quality company, based on a 10 year financial track record.
Q.3 Is Affle 3i Ltd undervalued or overvalued?
Affle 3i Ltd appears Undervalued, as its key valuation ratios are below with their past averages.
Q.4 Is Affle 3i Ltd a good buy now?
Affle 3i 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

Q.1 Revenue growth of Affle 3i Ltd?
Affle 3i Ltd revenue growth is 23% for FY-2025 , which is below its 5 year CAGR of 46.7% , indicating slower growth.
Q.2 Gross Profit margin of Affle 3i Ltd?
Affle 3i Ltd Gross profit margin which is the profit after deduction of direct costs, is 24.9% for FY-2025 , which is in line with its 5 year median of 24.9% , indicating stable margins.
Q.3 Operating Profit Margin of Affle 3i Ltd?
Affle 3i Ltd Operating Profit Margin which is the profit after deduction of all operating costs, is 21.26% for FY-2025 , which is above its 5 year median of 20.14% indicating increasing margins.
Q.4 Net Profit Margin of Affle 3i Ltd?
Affle 3i Ltd Net Profit Margin is 16.85% for FY-2025 , is below with its 5 year median of 17.12%, indicating decreasing margins.
Current Level Historic Median
Gross Profit Margin 24.9 24.9
Operating Profit Margin 21.26 20.14
Net Profit Margin 16.85 17.12
Q.5 Return on Asset of Affle 3i Ltd?
Affle 3i Ltd Return on Asset is 10.9(x), which is below its 5 year historical median of 12.7(x), indicating deteriorated asset utilization efficiency.
Q.6 Return on Equity (ROE) of Affle 3i Ltd?
Affle 3i Ltd Return on equity is 14.11% for FY-2025 , which is below its historical median of 18.67%, indicating the business is making worse use of its shareholders capital.
Q.7 Return on capital employed (ROCE) of Affle 3i Ltd?
Affle 3i Ltd Return on capital employed is 16.85% for FY-2025 , which is above its estimated weighted average cost of capital(WACC) 13.5%, indicating value creation.
Q.8 Cash conversion cycle of Affle 3i Ltd?
Affle 3i Ltd Cash conversion cycle is -31 , below its historical median of -23 , indicating improved working capital management. However, you need to compare this with its peers in the industry.
Current Level Historic Median
Asset Turnover 0.65 0.74
ROE 14.11 18.67
ROCE 16.85 20.24
Cash Conversion Cycle -31 -23
Q.9 Debt to Equity ratio of Affle 3i Ltd?
Affle 3i Ltd Debt-to-Equity ratio is 0.03 , which is lower with the industry average of 0.06 , indicating lower debt levels in the industry.
Q.10 Debt to cash flow from operations of Affle 3i Ltd?
Affle 3i Ltd Debt to cash flow from operations is 0.18 , which is at a healthy level, indicating the business is able to service its debt comfortably.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Affle 3i Ltd?
Promoters hold 54.92% of the Affle 3i Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 Revenue growth of Affle 3i Ltd vs industry peers?
Affle 3i Ltd revenue CAGR is 46.68% , compared to the industry median CAGR of 4.16% , indicating faster growth and gaining its market share.
Profit Metrics
Current Level Industry Median
Revenue 2,266.3 35.5
Gross Profit 564.2 4.4
Operating Profit 481 4.4
Net Profit 382 2
Operating Efficiency
Current Level Industry Median
Asset Turnover 0.65 0.73
ROE 14.11 11.15
ROCE 16.85 15.65
Cash Conversion Cycle -30.99 40

Valuation & price assessment

Q.1 Stock return of Affle 3i Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 0% based on the current price.
Q.2 What return has the stock given over the last decade?
9Y 5Y 3Y 1Y
Share Price - 5.4% 14.7% -5.7%
Q.3 Valuation ratios of Affle 3i Ltd vs historical?
The current P/E is lower that its historical median.
Q.4 How do the current valuation ratios measure up against the historic numbers and the current industry numbers?
Valuation Ratios Current Historic Median Industry Median
Price to Earnings 45.01 63.74 19.99
Price to Book 5.85 11.57 2.65
Price to Sales 7.63 12.61 3.59
EV to EBITDA 28.4 48.06 16.03

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