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Purple Finance Ltd (544191)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 544191 NSE: Finance - NBFC | Small Cap | Purple Finance Share Price

₹64.35 -2.99 (-4.44%)

As on 04-Jun'26 16:59

Purple Finance Ltd (544191)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 544191 NSE: Finance - NBFC | Small Cap | Purple Finance Share Price

₹64.35 -2.99 (-4.44%)

As on 04-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹379 Cr.
Current Price
₹64.4
52-Week Low / High
₹33 / 75
TTM EPS
₹-1.1
Book Value per Share
₹21.1
P/E Ratio
0.00
Industry PE
25.6
Price to Book (P/B)
3.05
In line with its 5-year historical median
EV/EBITDA
89.49
Higher than its 5-year historical median
Dividend Yield
0.00%
Profitability Efficiency
Return on Equity (ROE)
-6.43%
Return on Capital Employed (ROCE)
1.57%
Return on Assets (ROA)
-3.43%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
294.66%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
26.47%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹47.7 Cr.
Reserves
₹66 Cr.
Equity
₹58.9 Cr.
Face Value
₹10
All Time Low / High
₹33.00 / 112.10

Purple Finance stock performance

Key Ratios
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Quality

Not Good
Check detailed performance

Valuation

Somewhat Undervalued

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Price Trend

Weak
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Q.1 Is Purple Finance Ltd a good quality company?
Purple Finance 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.

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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.

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How does Purple Finance Ltd performance compare with that of its Peers?
Q.1 AUM Growth of Purple Finance Ltd vs Industry Peers?
Purple Finance Ltd AUM CAGR is 103.85%, compared to the 3-year industry median CAGR of 9.63%, indicating faster growth and gaining its market share.
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Q.1 Promoter shareholding and pledge status of Purple Finance Ltd?
Promoters hold 24.46% of the Purple Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of Purple Finance Ltd over the last decade?
Over the last 1 years, the stock has delivered a CAGR of 49.79% based on the current price.
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10 Year X-Ray :

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.
Purple Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26TTM
Operating Income (₹ Cr.)000000.92.64.414.747.648
YoY Gr. Rt. %-NANANANANA182.3%73.1%232.8%223.7%-
Adj EPS (₹ ) 00000-2.6-2.3-1.9-3.4-1.1-1.1
YoY Gr. Rt. %-NANANANANANANANANA-
BVPS (₹ )000006.76.312.116.721.121.1
YoY Gr. Rt. %-NANANANANA-5.7%91.4%38.3%26.5%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)00000-36.3-16.8-12-14.7-3.40

CAGR ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest IncomeNANA165.2%223.7%
Adj EPSNANANANA
BVPSNANA49.6%26.5%
Share Price - - - 50.5%

Key Financial Ratios

RATIOS \ YEARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26TTM
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 (%)00000-683.3-247.6-172.1-105.6-13.5-13.5
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)00000-38.3-38.2-23.5-25.2-6.4-5.1

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'22Mar'23Mar'24Mar'25Mar'26
Income + 1341548
Interest Income1341548
Other Income ⓘ 51001
Exceptional Items ⓘ 00000
Expenditure ⓘ + 79183557
Interest Expense ⓘ 001612
Operating Expenses ⓘ 28162944
Provisions 51001
Exceptional Items ⓘ 00000
Profit Before Tax ⓘ -6-6-13-21-9
Taxes ⓘ 00-6-5-3
Profit After Tax -6-6-8-16-6
Adjusted EPS (₹)-2.6-2.3-1.9-3.4-1.1
Dividend Payout Ratio (%)0%0%0%0%0%

Valuation of Purple Finance - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'22Mar'23Mar'24Mar'25Mar'26

Equity and Liabilities

Equity Capital +16174877126
Share Capital ⓘ 2123344559
Reserves ⓘ -4-6153267
Short term borrowings0042748
Long Term Borrowings02143648
Current Liabilities 13963152
Trade Payables01000
Other Liabilities-0-1-5-28-43
Total Liabilities ⓘ 175868144232

Assets

Non Current Asset +44760124210
Loan Asset 00090168
Other Non Current Asset ⓘ 447603442
Current Asset +131181921
Current Investment66004
Other Current Asset7581918
Total Assets ⓘ 175868144232

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'22Mar'23Mar'24Mar'25Mar'26
Cash Flow From Operating Activity ⓘ -1-0-60-78-98
Cash Flow From Investing Activity ⓘ 1-4-1-1-1
Cash Flow From Financing Activity ⓘ -09609293
Net Cash Flow ⓘ -05-113-6

Financial Ratio

PARTICULARSMar'22Mar'23Mar'24Mar'25Mar'26

Operational & Financial Ratios
EPS (₹)-3-2.80-2.30-3.50-1.10
DPS (₹)00000
BVPS (₹)7.97.414.216.921.1

Performance Ratios

ROA (%)-36.3-16.8-12.0-14.7-3.4
ROE (%)-38.3-38.2-23.5-25.2-6.4
ROCE (%)-36.9-35.6-27.7-13.51.6

Valuation Parameters

Price/Book(x)0.00.00.02.32.5

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.0010.488.630.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Purple Finance Ltd FAQs

The current trading price of Purple Finance on 04-Jun-2026 16:59 is ₹64.35.

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 03-Jun-2026 the market cap of Purple Finance stood at ₹379.2 Cr

The latest P/E ratio of Purple Finance as of 03-Jun-2026 is 0.00.

The latest P/B ratio of Purple Finance as of 03-Jun-2026 is 3.05.

The 52-week high of Purple Finance is ₹75.10 and the 52-week low is ₹33.00.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Purple Finance is ₹47.65 ( Cr.) .

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

The key valuation ratios of Purple Finance Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.

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

About Purple Finance Ltd

Purple Finance Limited was incorporated on November 09, 1993. It is registered with the Reserve Bank of India as a non-deposit taking NBFC and started its limited lending activities in 2013. In 2022, five like-minded professionals came together with the existing founder of Purple Finance, Amitabh Chaturvedi, to build a Ministry of Micro, Small & Medium Enterprises (MSME)-focused, digital-first NBFC, catering to micro and small enterprises with secured business loans. 

It will help put the power back in the hearts, minds, and wallets of micro and small business entrepreneurs. Although the MSME segment contributes substantially in the process of nation-building, much remains to be done to address their financing woes. With its innovative and digital-first approach at Purple Finance, it would ensures easier and simplified funding options for the micro and small business enterprise at competitive pricing, faster credit decisions and transparent processes. It is embarking on a quest to empower its MSME customers who aren’t served well by traditional lenders and/or are trapped in a vicious circle of high-cost debt at the hands of informal and predatory moneylenders.

Business area of the company

The company is building reliable, accessible and technology-enabled financing for Micro & Small business owners. It is the first Indian NBFC to provide digitised secured microloans that offer easy and paperless on-boarding, transparent commercials and conditions, simple and easy to understand products.


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