On 6 Nov 2026, Raama Finance was priced at ₹7.73, or 19.3× trailing earnings, and the shares are 63% below their 52-week high. It earns ROE of 19%. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 2.16× book value. It is a small-cap company with a market cap of ₹78 Cr, ranked 94th of 193 Credit Services companies by market cap; the shares rose 16% over the past year.
- ₹7.52
- ₹7.73
- ₹7.10
- ₹7.37
- 81.8K
Health check
- ReturnsAhead
+16.2% over a year, better than 6 of 7 peers.
- Price tagCheaper
P/B 2.16 vs peer median 2.62.
- GrowthStrong
Profit +515.1% a year over 3 years.
- ProfitabilityAverage
ROE 18.5% vs peer median 18.7%.
- Balance sheetn/a
Asset quality (bad loans) isn’t in our data.
- Red flags1 to check
63% below its 52-week high.
Small cap
Market sensitivity
Key metrics
- Market cap
- ₹78 Cr
- Small cap
- P/E
- 19.3
- Industry 15.5
- Price to book
- 2.16
- Peers 2.62
- Dividend yield
- 0.00%
- ROE
- 18.5%
- Peers 18.7%
- ROCE
- n/m
- Not meaningful for lenders
- Debt to equity
- n/m
- Not meaningful for lenders
- EPS (TTM)
- ₹0.40
- OPM (TTM)
- 32.6%
- Net margin 23.0%
- Sales growth
- n/m
- Not meaningful for lenders
- Profit growth
- +622014.3%
- Latest quarter vs a year ago
- Price to sales
- 2.36
Strengths and risks
Strengths
- Return on equity of 18.5%.
- Quarterly profit up 622014.3% on a year ago.
Risks to check
- 63% below its 52-week high.
About Raama Finance
Raama Finance Limited operates as a non-banking financial company in India. The company offers Fastsalary, a digital lending platform that provides instant personal credit, payday loans, and salary advance solutions to salaried individuals. It also provides short-term unsecured personal loans. The company was formerly known as Ramchandra Leasing and Finance Limited and changed its name to Raama Finance Limited in February 2026. Raama Finance Limited was…
- Headquarters
- Noida
- Employees
- 132
- Sector
- Financial Services
- ISIN
- INE516P01015
- Website
- raamafinance.com
Price range
- Avg volume (3M)
- 1.2 L
- 1-year return
- plus 16.2%
- From 52-week high
- minus 62.9%
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% |
| RAAMARaama Finance | 7.73 | plus 4.88% | 78 | 19.3 | 2.16 | 18.5% | – | 515.1% | 0.00% | plus 16.2% |
| 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 | 2.1 | 9.6 | 21.3 | |
| 0.2 | 0 | 1.7 | 6.1 | 14.6 | |
| 0 | 0.2 | 0.4 | 3.5 | 6.7 | |
| 0.5% | 94.4% | 19.9% | 36.5% | 31.6% | |
| 0 | 0 | 0 | 0.1 | 0 | |
| 0 | 0 | 0 | 0.1 | 0.1 | |
| 0 | 0.2 | 0.4 | 3.5 | 6.6 | |
| 12.5% | 25.3% | 27.1% | 25.3% | 34.0% | |
| 0 | 0.1 | 0.3 | 2.6 | 4.4 | |
| 0.00 | – | 0.04 | 0.14 | 0.22 |
Profit & loss
- Profit CAGR 3Y
- +515.1%
- EPS CAGR 3Y
- +297.7%
- ROE
- 18.5%
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 0.5 | 0.5 | 0.4 | 12.1 | |
| – | minus 1.1% | minus 18.4% | +3104.9% | |
| 0.5 | 0.4 | 0.4 | 7 | |
| 0 | 0 | 0 | 5 | |
| 3.0% | 3.7% | 4.3% | 41.6% | |
| 0 | 0 | 0 | −0 | |
| 0 | 0 | 0 | 0.1 | |
| – | – | – | −0.7 | |
| 0 | 0 | 0 | 4.3 | |
| 21.9% | 7.4% | 6.3% | 24.4% | |
| 0 | 0 | 0 | 3.2 | |
| – | +17.3% | minus 8.0% | +21493.3% | |
| 0.00 | – | – | 0.17 |
Forecast
Balance sheet
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 5.1 | 5.1 | 5.1 | 8.1 | |
| 0.4 | 0.4 | 0.5 | 21.2 | |
| 0.3 | 0.3 | 0.3 | 4.6 | |
| 1.4 | 1.2 | 0.5 | 10 | |
| 7.2 | 7.1 | 6.4 | 44 | |
| 0 | 0 | 0 | 2.4 | |
| – | – | – | 0.8 | |
| – | – | – | 9.2 | |
| 0.1 | 0.1 | 0.2 | 3.3 | |
| 7.1 | 6.9 | 6.2 | 28.2 | |
| 7.2 | 7.1 | 6.4 | 44 |
Cash flow
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| −0 | 1 | −0.4 | −9.5 | |
| −0.1 | −1 | 0.7 | −12 | |
| 0.2 | −0 | −0.3 | 24.7 | |
| 0.1 | 0 | 0 | 3.1 | |
| – | – | – | −2.7 | |
| −0 | 1 | −0.4 | −12.2 |
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.