Ad-Manum Finance Ltd - Stock Valuation and Financial Performance

BSE: 511359 | NSE: | Finance - NBFC | Small Cap

Ad-Manum Fin. Share Price

71.99 -0.62 -0.85%
as on 12-Jul'24 16:01

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Ad-Manum Finance stock performance -

mw4me loader
P/E Ratio (SA):
6.84
Market Cap:
52.6 Cr.
52-wk low:
40.1
52-wk high:
97.5

Is Ad-Manum Finance Ltd an attractive stock to invest in?

1. Is Ad-Manum Finance Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Ad-Manum Finance Ltd is a below average quality company.

2. Is Ad-Manum Finance Ltd undervalued or overvalued?

The key valuation ratios of Ad-Manum Finance Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.

3. Is Ad-Manum Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Ad-Manum Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of Ad-Manum Fin.:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Ad-Manum Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)25.317.9013.614.89.99.89.38.59.210
YoY Gr. Rt. %--29.3%-100%NA9%-32.9%-0.7%-5.6%-9%8.3%-
Adj EPS (₹ ) 6.81.30.31.22.1-0.72.53.63.26.710.3
YoY Gr. Rt. %--81%-73.6%238.2%79.1%-132.5%NA48.6%-11%106.5%-
BVPS (₹ )59.259.359.660.862.862.265.972.475.682.888.5
YoY Gr. Rt. %-0.2%0.6%1.9%3.4%-1.1%6%10%4.3%9.6%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)4.30.90.31.12.1-0.72.23.33.67.30

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income-10.7%-9.1%-2.4%8.3%
Adj EPS-0.2%26.6%39.8%106.5%
BVPS3.8%5.7%7.9%9.6%
Share Price 9.4% 36.1% 47.1% 53.3%

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)20.15.41.96.410.5-518.729.428.854.974.3
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)12.12.20.61.93.3-1.13.85.34.48.511.6

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 12.00%

Net Profit has increased 39.77 CAGR in last 3 years

Total income growth is good in last 4 quarters

Total Income has declined 122.34 CAGR in last 3 years

Latest Financials - Ad-Manum Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 10.3 -
TTM Sales (₹ Cr.) 10.4 -
BVPS (₹.) 88.5 -
Reserves (₹ Cr.) 59 -
P/BV 0.79 -
PE 6.84 -
From the Market
52 Week Low / High (₹) 40.05 / 97.50
All Time Low / High (₹) 2.90 / 97.50
Market Cap (₹ Cr.) 52.6
Equity (₹ Cr.) 7.5
Face Value (₹) 10
Industry PE 31.9

Management X-Ray of Ad-Manum Fin.:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of Ad-Manum Fin.

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income25.5218.270.2013.7615.0810.069.969.489.349.95
Interest Income25.3417.91013.5514.779.919.849.298.459.15
Other Income 0.170.350.200.210.310.150.120.200.890.80
Expenditure 17.3216.4613.7712.6313.456.284.275.497.363.30
Interest Expense 8.617.075.784.774.142.252.281.301.011.12
Operating Expenses 7.216.346.345.935.723.401.641.631.341.49
Provisions 1.503.051.651.933.590.640.342.5650.69
Exceptional Items -1.02-0.400.210.030.02-3.83-3.54-0.4400
Profit Before Tax 7.181.400.401.161.65-0.052.163.551.996.66
Taxes 2.080.430.150.300.110.450.320.82-0.441.64
Profit After Tax 5.100.970.250.861.55-0.501.842.732.435.02
Adjusted EPS (₹)6.81.30.31.22.1-0.72.53.63.26.7
Dividend Payout Ratio (%)15%77%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Equity Capital44.3844.4544.7145.5747.1246.6249.4054.3356.6662.11
Share Capital 7.507.507.507.507.507.507.507.507.507.50
Reserves 36.8836.9537.2138.0739.6239.1241.9046.8349.1654.61
Minority Interest0000000000
Long Term Borrowings9.898.878.777.813.0524.7648.4112.088.696.88
Current Liabilities 5842.1630.3925.4920.430.570.981.580.782.56
Trade Payables0000000000
Short term borrowings53.5339.9629.7624.5319.8800000
Other Liabilities-53.53-39.96-29.76-24.53-19.8800000
Total Liabilities 112.2895.4883.8678.8770.5971.9598.7967.9966.1371.55

Assets

Non Current Asset 4.824.894.855.084.975.777.089.787.786.27
Loan Asset 0000000000
Other Non Current Asset 4.824.894.855.084.975.777.089.787.786.27
Current Asset 107.4790.5979.0173.7965.6366.1891.7258.2158.3665.27
Current Investment0000000000
Other Current Asset107.4790.5979.0173.7965.6366.1891.7258.2158.3665.27
Total Assets 112.2895.4883.8678.8770.5971.9598.7967.9966.1371.55

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity 16.5920.910.200.13-0.280.33-24.4945.88-2.38-1.81
Cash Flow From Investing Activity -0.17-0.41-0.06-0.0800.140.060.070.851.64
Cash Flow From Financing Activity -25.25-21.30000023.71-37.70-4.01-2.47
Net Cash Flow -8.83-0.790.140.05-0.280.48-0.728.25-5.54-2.65
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)71012-12437
DPS (₹)1100000000
BVPS (₹)59596061636266727683

Performance Ratios

ROA (%)4.30.90.31.12.1-0.72.23.33.67.3
ROE (%)12.12.20.61.93.3-1.13.85.34.48.5
ROCE (%)13.98.47.07.47.83.15.36.04.611.6

Valuation Parameters

Price/Book(x)0.50.40.50.40.50.40.20.20.50.6

Ad-Manum Finance Ltd Stock News

Ad-Manum Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Ad-Manum Fin. on 12-Jul-2024 16:01 is ₹71.99.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 12-Jul-2024 16:01 the market cap of Ad-Manum Fin. stood at ₹52.64.
The latest P/E ratio of Ad-Manum Fin. as of 12-Jul-2024 16:01 is 6.84.
The latest P/B ratio of Ad-Manum Fin. as of 12-Jul-2024 16:01 is 0.79.
The 52-week high of Ad-Manum Fin. is ₹97.50 and the 52-week low is ₹40.05.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Ad-Manum Fin. is ₹10.36 ( Cr.) .

About Ad-Manum Finance Ltd

Ad-Manum Finance was originally incorporated in May 1986 with the name of ‘Agarwal Warehousing & Leasing Limited’. Thereafter name of the company was changed to ‘Ad-Manum Finance Limited’ with effect from June 1992.

The company was started with an objective to provide short and medium term advances in the form of loan/hire purchase finance, bill discounting, factoring through channel/DSA business etc.

The company is a non banking finance company registered under Reserve Bank of India. The company also operates 24 marketing offices located in states of Maharashtra, Gujarat, Madhya Pradesh, Rajasthan and Tamil Nadu.

Presently the company is mainly into financing of old and new vehicles of HCVs, LCVs, MUVs, cars and three-wheelers

The company is currently working under flagship of ‘Agarwal Group’. The group was established in the year 1975 and has business presence in trading, education, entertainment sector viz. trading of coal, lignite, transportation, warehousing, finance, real state & leasing, packaging, flour mill, cold storage, international standard schools and institute of technology, village resort and generation of electricity by setting up a wind energy mill.

The company’s registered office is located at Agarwal House, Ground Floor, 5, Yeshwant Colony, Indore, Madhya Pradesh.

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