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On 6 Nov 2026, Abirami Financial Services (India) was priced at ₹34.64, or 38.5× trailing earnings, and the shares are 21% below their 52-week high. Net profit fell 67% a year over 3 years; its ROE of 2.5% is the lowest among the 7 largest Credit Services peers. ROCE and debt-to-equity are not meaningful for banks and lenders; it trades at 0.96× book value and its dividend yield is 4.3%. It is a small-cap company with a market cap of ₹19 Cr, ranked 146th of 193 Credit Services companies by market cap; the shares fell 21% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Jun 2026.How we calculate this

past year
Open
₹34.65
Day high
₹34.65
Day low
₹34.64
Prev. close
₹33.00
Volume
33

Health check

2 good · 4 to check
  • ReturnsBehind

    −20.7% over a year, better than 1 of 7 peers.

  • Price tagCheaper

    P/B 0.96 vs peer median 2.62.

  • GrowthShrinking

    Profit −67.3% a year over 3 years.

  • ProfitabilityWeak

    ROE 2.5% vs peer median 18.7%.

  • Balance sheetSolid

    Return on assets 2.40%. Bad-loan data isn’t covered.

  • Red flags2 to check

    Return on equity is low at 2.5%.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Credit Services

192 listed peers. Screen the industry

Small cap

₹19 Cr, #146 of 193 in its industry by size.

Defensive

Beta 0.29 vs the NIFTY 50: moves less than the market.

Key metrics

Last 12 months to Jun 2026: sales ₹1 Cr · profit ₹0 Cr
Market cap
₹19 Cr
Small cap
P/E
38.5
Industry 15.5
Price to book
0.96
Peers 2.62
Dividend yield
4.33%
ROE
2.5%
Peers 18.7%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹0.90
OPM (TTM)
46.4%
Net margin 37.6%
Sales growth
n/m
Not meaningful for lenders
Profit growth
−19.8%
Latest quarter vs a year ago
Price to sales
14.43

Strengths and risks

Strengths

  • Dividend yield of 4.33%.

Risks to check

  • Return on equity is low at 2.5%.
  • Quarterly profit down 19.8% on a year ago.

Derived automatically from reported figures. Not a recommendation.

About Abirami Financial Services (India)

Abirami Financial Services (India) Limited engages in the hire purchase business. It is also involved in leasing and lending money against securities, movable and immovable properties. The company was incorporated in 1993 and is based in Chennai, India.

Headquarters
Chennai
Sector
Financial Services
ISIN
INE195I01013
Website
afslindia.in

Price range

52 weeks

₹27.89₹44.00

Today

₹34.64₹34.65
Avg volume (3M)
670
1-year return
minus 20.7%
From 52-week high
minus 21.3%

Peers · Credit Services

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
BAJFINANCEBajaj Finance1,087.75plus 1.66%6,77,00531.35.4919.0%3.8%18.2%0.50%plus 1.2%
SHRIRAMFINShriram Finance961.15minus 0.30%2,26,16716.02.0314.8%3.9%18.6%1.80%plus 21.0%
CHOLAFINCholamandalam Investment and Finance Company1,785.00plus 1.42%1,53,10324.54.4120.6%2.6%25.2%0.11%plus 0.8%
TATACAPTata Capital358.05plus 2.93%1,50,97925.43.1014.1%2.2%–0.16%plus 5.6%
MUTHOOTFINMuthoot Finance2,869.00plus 1.06%1,15,1819.42.6231.6%6.3%43.1%1.05%minus 11.0%
PFCPower Finance Corporation328.80minus 0.18%1,08,5074.10.7418.7%2.7%17.7%4.99%minus 16.9%
IRFCIndian Railway Finance Corporation80.43plus 0.37%1,05,11014.31.7312.6%1.4%4.4%2.74%minus 34.4%
ABIRAFNAbirami Financial Services (India)34.64plus 4.97%1938.50.962.5%2.4%−67.3%4.33%minus 20.7%
Median of 7 peers–1.06%1,50,97916.02.6218.7%2.7%18.4%1.05%0.8%

Quarterly results

Consolidated, ₹ crore
Operating profit (EBITDA)Select a row below to chart it
₹ CrMar 25Jun 25Dec 25Mar 26Jun 26
−0.2−0.2−0.2−0.2−0.2
0.30.30.30.30.3
00000
0.20.20.10.10.1
31.3%33.9%25.6%10.9%31.5%
0.10.10.10.10.1
–––+21.0%minus 19.8%
0.200.230.200.250.18

Sep 25 not reported by the data source.

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
−67.3%
EPS CAGR 3Y
−26.9%
ROE
2.5%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
−1.2−0.7−0.6−0.7
19.81.81.41.3
–0––
0000
−0−0––
18.61.10.80.7
21.5%−33.0%28.3%23.8%
14.61.50.60.5
–minus 90.1%minus 60.3%minus 11.2%
2.432.691.070.95

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
65.45.45.4
16.315.214.414.1
4.10.50.40.5
26.421.120.320
0000
0.70.91.11
19.318.918.218.3
6.41.310.8
26.421.120.320

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
−5.7−0.5−0.5−0.4
21.71.51.41.4
–−3.2−1.3−0.8
16.1−2.1−0.50.2
−0–−0−0
−5.7−0.5−0.5−0.5
–−1.1−1.4−0.8

Shareholding pattern

This company is listed only on BSE, so there’s no NSE category split. See Major shareholders below for the named holders.

Major shareholders

BSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you