Lead Financial Services (BSE: LEADFIN) had a P/E of 57.5× on 6 Nov 2026, and the shares are 37% below their 52-week high. Net profit fell 9.8% a year over 3 years; its ROE of 1.7% 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 0.74× book value. It is a small-cap company with a market cap of ₹4.55 Cr, ranked 190th of 193 Credit Services companies by market cap; the shares fell 30% over the past year.
- ₹13.80
- ₹13.80
- ₹13.80
- ₹13.50
- 12
Health check
- ReturnsBehind
−30.5% over a year, better than 1 of 7 peers.
- Price tagCheaper
P/B 0.74 vs peer median 2.62.
- GrowthShrinking
Profit −9.8% a year over 3 years.
- ProfitabilityWeak
ROE 1.7% vs peer median 18.7%.
- Balance sheetn/a
Asset quality (bad loans) isn’t in our data.
- Red flags3 to check
Return on equity is low at 1.7%.
Small cap
Defensive
Key metrics
- Market cap
- ₹4.55 Cr
- Small cap
- P/E
- 57.5
- Industry 15.5
- Price to book
- 0.74
- Peers 2.62
- Dividend yield
- 0.00%
- ROE
- 1.7%
- Peers 18.7%
- ROCE
- n/m
- Not meaningful for lenders
- Debt to equity
- n/m
- Not meaningful for lenders
- EPS (TTM)
- ₹0.24
- OPM (TTM)
- 29.7%
- Net margin 15.0%
- Sales growth
- n/m
- Not meaningful for lenders
- Profit growth
- −27.9%
- Latest quarter vs a year ago
- Price to sales
- 8.43
Strengths and risks
Risks to check
- Return on equity is low at 1.7%.
- Quarterly profit down 27.9% on a year ago.
- 37% below its 52-week high.
About Lead Financial Services
Lead Financial Services Limited operates as a non-banking financial company primarily in India. It offers loans and financial services. The company was incorporated in 1993 and is based in New Delhi, India.
- Headquarters
- New Delhi
- Employees
- 3
- Sector
- Financial Services
- ISIN
- INE531D01010
- Website
- leadfinancialservices.in
Price range
- Avg volume (3M)
- 658
- 1-year return
- minus 30.5%
- From 52-week high
- minus 37.4%
Peers · Credit Services
| Company | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCEBajaj Finance | 1,087.75 | plus 1.66% | 6,77,005 | 31.3 | 5.49 | 19.0% | 3.8% | 18.2% | 0.50% | plus 1.2% |
| SHRIRAMFINShriram Finance | 961.15 | minus 0.30% | 2,26,167 | 16.0 | 2.03 | 14.8% | 3.9% | 18.6% | 1.80% | plus 21.0% |
| CHOLAFINCholamandalam Investment and Finance Company | 1,785.00 | plus 1.42% | 1,53,103 | 24.5 | 4.41 | 20.6% | 2.6% | 25.2% | 0.11% | plus 0.8% |
| TATACAPTata Capital | 358.05 | plus 2.93% | 1,50,979 | 25.4 | 3.10 | 14.1% | 2.2% | – | 0.16% | plus 5.6% |
| MUTHOOTFINMuthoot Finance | 2,869.00 | plus 1.06% | 1,15,181 | 9.4 | 2.62 | 31.6% | 6.3% | 43.1% | 1.05% | minus 11.0% |
| PFCPower Finance Corporation | 328.80 | minus 0.18% | 1,08,507 | 4.1 | 0.74 | 18.7% | 2.7% | 17.7% | 4.99% | minus 16.9% |
| IRFCIndian Railway Finance Corporation | 80.43 | plus 0.37% | 1,05,110 | 14.3 | 1.73 | 12.6% | 1.4% | 4.4% | 2.74% | minus 34.4% |
| LEADFINLead Financial Services | 13.80 | plus 2.22% | 5 | 57.5 | 0.74 | 1.7% | – | −9.8% | 0.00% | minus 30.5% |
| Median of 7 peers | – | 1.06% | 1,50,979 | 16.0 | 2.62 | 18.7% | 2.7% | 18.4% | 1.05% | 0.8% |
Quarterly results
| ₹ Cr | Jun 25 | Sep 25 | Dec 25 | Mar 26 | Jun 26 |
|---|---|---|---|---|---|
| 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | |
| 0.1 | 0.1 | 0.1 | 0.1 | 0 | |
| 0.1 | 0 | 0 | 0 | 0.1 | |
| 69.2% | 10.2% | 31.6% | 15.9% | 63.9% | |
| 0 | 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | – | |
| 0.1 | 0 | 0 | 0 | 0.1 | |
| 25.3% | 29.6% | 25.9% | 250.9% | 25.2% | |
| 0.1 | 0 | 0 | −0 | 0.1 | |
| 0.26 | 0.04 | 0.10 | -0.08 | 0.18 |
Profit & loss
- Profit CAGR 3Y
- −9.8%
- EPS CAGR 3Y
- −9.4%
- ROE
- 1.7%
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 0.3 | 0.5 | 0.6 | 0.6 | |
| – | +69.9% | +17.0% | minus 8.3% | |
| 0.2 | 0.2 | 0.4 | 0.4 | |
| 0.1 | 0.3 | 0.3 | 0.2 | |
| 44.8% | 63.6% | 43.6% | 33.7% | |
| 0 | 0 | −0 | 0 | |
| – | 0 | 0 | 0 | |
| 0 | −0 | 0 | −0 | |
| 0.2 | 0.3 | 0.3 | 0.2 | |
| 20.1% | 25.9% | 40.9% | 45.4% | |
| 0.1 | 0.2 | 0.2 | 0.1 | |
| – | +72.7% | minus 34.0% | minus 35.7% | |
| 0.43 | 0.75 | 0.49 | 0.32 |
Forecast
Balance sheet
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 3.3 | 3.3 | 3.3 | 3.3 | |
| 2.4 | 2.6 | 2.8 | 2.9 | |
| 0.1 | – | – | – | |
| 4.5 | 4.5 | 4.5 | 4.5 | |
| 10.3 | 10.5 | 10.6 | 10.7 | |
| 0 | 0 | 0 | 0 | |
| 0.6 | 0.6 | 0.6 | 0.6 | |
| 1.8 | 0.1 | 1.4 | 0.9 | |
| 7.9 | 9.8 | 8.6 | 9.2 | |
| 10.3 | 10.5 | 10.6 | 10.7 |
Cash flow
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 1.7 | −1.6 | 1.3 | −0.5 | |
| – | −0 | −0.1 | −0.6 | |
| 0 | −0.1 | – | −0 | |
| 1.7 | −1.7 | 1.2 | −1.1 | |
| – | −0 | – | – | |
| 1.7 | −1.6 | 1.3 | −0.5 |
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
Filings & events
News
No recent news coverage found.