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Raama Finance Ltd (538540)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 538540 NSE: Finance - NBFC | Small Cap | Raama Finance Share Price

₹14.72 -0.42 (-2.77%)

As on 04-Jun'26 16:59

Raama Finance Ltd (538540)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 538540 NSE: Finance - NBFC | Small Cap | Raama Finance Share Price

₹14.72 -0.42 (-2.77%)

As on 04-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹119 Cr.
Current Price
₹14.7
52-Week Low / High
₹3 / 16
TTM EPS
₹0.4
Book Value per Share
₹3.6
P/E Ratio
36.90
Lower than its 5-year historical median
Industry PE
25.6
Price to Book (P/B)
4.07
Higher than its 5-year historical median
EV/EBITDA
26.84
Lower than its 5-year historical median
Dividend Yield
0.00%
Profitability Efficiency
Return on Equity (ROE)
0.27%
Return on Capital Employed (ROCE)
0.27%
Return on Assets (ROA)
0.22%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
-17.39%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
1.85%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹12.1 Cr.
Reserves
₹21 Cr.
Equity
₹8.1 Cr.
Face Value
₹1
All Time Low / High
₹0.19 / 43.00

Raama Finance stock performance

Key Ratios
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Quality

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Valuation

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Price Trend

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Q.1 Is Raama Finance Ltd a good quality company?
Raama Finance Ltd is a quality company, based on a 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 Raama Finance Ltd performance compare with that of its Peers?
Q.1 AUM Growth of Raama Finance Ltd vs Industry Peers?
Raama Finance Ltd AUM CAGR is -1.67%, compared to the 5-year industry median CAGR of 9.68%, indicating slower growth and losing its market share.
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Q.1 Promoter shareholding and pledge status of Raama Finance Ltd?
Promoters hold 54.93% of the Raama Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of Raama Finance Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of -5% based on the current price.
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10 Year X-Ray : Login to view analysis.

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.
Raama Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)0.40.30.30.50.60.60.50.50.50.412
YoY Gr. Rt. %--23.4%11.7%53.9%17.1%-5.8%-11.9%-8%-1.9%-18.8%-
Adj EPS (₹ ) 00000000000.4
YoY Gr. Rt. %-NA-100%NA-100%NANANANANA-
BVPS (₹ )1111.11.11.11.11.11.11.13.6
YoY Gr. Rt. %-1%0%1.9%0%0%0.9%0.9%0%1.9%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)0.40.90.41.10.30.20.20.20.20.20

CAGR ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income-0.7%-9.5%-9.8%-18.8%
Adj EPSNANANANA
BVPS0.7%0.7%0.9%1.9%
Share Price -1% 106.7% 160.8% 374.8%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
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 (%)5.115.56.911.93.21.93.32.93.5426.9
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)0.40.90.41.20.40.20.30.30.30.311.2

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 0001111000
Interest Income0001111000
Other Income ⓘ 0000000000
Exceptional Items ⓘ 0000000000
Expenditure ⓘ + 0000110000
Interest Expense ⓘ 0000000000
Operating Expenses ⓘ 0000110000
Provisions 0000000000
Exceptional Items ⓘ 0000000000
Profit Before Tax ⓘ 0000000000
Taxes ⓘ 0000000000
Profit After Tax 0000000000
Adjusted EPS (₹)0.00.00.00.00.00.00.00.00.00.0
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Valuation of Raama 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'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +5555555666
Share Capital ⓘ 5555555555
Reserves ⓘ 0000000000
Short term borrowings0000000000
Long Term Borrowings0000000000
Current Liabilities 0001122221
Trade Payables0000000000
Other Liabilities0-0-0-0-0-0-0-0-0-0
Total Liabilities ⓘ 5556777776

Assets

Non Current Asset +3326777776
Loan Asset 0000000000
Other Non Current Asset ⓘ 3326777776
Current Asset +2230000000
Current Investment0000000000
Other Current Asset2230000000
Total Assets ⓘ 5556777776

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity ⓘ -0-0-1-0-0-00-01-0
Cash Flow From Investing Activity ⓘ 00110-00-0-11
Cash Flow From Financing Activity ⓘ 000000-00-0-0
Net Cash Flow ⓘ 0-000-00-0000

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios
EPS (₹)0000000000
DPS (₹)0000000000
BVPS (₹)1111.11.11.11.11.11.11.1

Performance Ratios

ROA (%)0.40.90.41.10.30.20.20.20.20.2
ROE (%)0.40.90.41.20.40.20.30.30.30.3
ROCE (%)0.61.30.71.60.50.30.30.30.30.3

Valuation Parameters

Price/Book(x)27.01.60.30.20.20.21.10.90.93.4

Management X-Ray

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 (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Raama Finance Ltd FAQs

The current trading price of Raama Finance on 04-Jun-2026 16:59 is ₹14.72.

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 Raama Finance stood at ₹119.5 Cr

The latest P/E ratio of Raama Finance as of 03-Jun-2026 is 36.90.

The latest P/B ratio of Raama Finance as of 03-Jun-2026 is 4.07.

The 52-week high of Raama Finance is ₹16.26 and the 52-week low is ₹2.80.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Raama Finance is ₹12.06 ( Cr.) .

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

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

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

About Raama Finance Ltd

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