LAXMIINDIA
FAIRLY_VALUEDLaxmi India Finance Limited
Finance · NSE
↓ 13.3% vs fair value
52W Low
₹71
+64.0% from low
52W High
₹181
-35.6% from high
Valuation Gauge
Current Price
₹117
Fair Value
₹103
Fair Value Analysis
₹103
Based on balance sheet strength analysis and book value multiple for Finance sector companies | Sector-cheap: P/E at 23th percentile vs sector peers. | CAUTION: ROCE declining (latest 3.4%) — returns on capital are falling; verify this isn't a value trap. | Growth capped at 11.6% (ROE 10.1%×1.15) — historical CAGR exceeds sustainable rate or COVID period unverifiable.
Balance Sheet Value
39% weight
P/B Multiple
62% weight
Price vs Market
Shareholding Pattern
Stock Health Score
Financially Healthy
Profitability
ROE of 10.1% is acceptable for Finance sector (benchmark: 18%)
Debt & Leverage
D/E ratio of 2.6x is well within the Finance sector norm of 4.0x — strong balance sheet
Valuation vs Peers
P/E of 12.6x trades at a 81% discount to Finance sector median (65x) — attractively valued
Cash Flow
Negative cash flow of ₹-315 Cr — concerning for Finance sector
Earnings Growth
5yr EPS CAGR of 34.9% is in line with the Finance sector average of 23.9%
Dividend
No dividend — typical for growth-stage companies
Company Health Timeline
10-year financial health at a glance
Sentiment Trend — Last 30 Days
Historical Returns
Key Ratios & Growth
FCF Yield
-61.5%
Free cash flow / market cap
Revenue Growth (YoY)
+25.7%
Year-on-year revenue change
Profit Growth (YoY)
+40.0%
Year-on-year PAT change
Operating Cash Flow
₹-280 Cr
TTM cash from operations
Key Financials
EPS (TTM)
₹10
P/E Ratio
12.6x
P/B Ratio
1.5x
ROE
10.1%
ROCE
4.8%
Debt / Equity
2.57x
Beta
—
Div Yield
—
FCF (Cr)
₹-315 Cr
Revenue (Cr)
₹223 Cr
EPS Growth 5Y
34.9%
Mkt Cap (Cr)
₹659 Cr
52W High
₹180.9
52W Low
₹71.1
Book Value/Share
₹87
Financial History
| Period | Revenue | Op Profit | OPM% | PAT | EPS |
|---|---|---|---|---|---|
| 2026-03-31 | ₹317 Cr | ₹66 Cr | 21.0% | ₹50 Cr | ₹9.52 |
| 2025-03-31 | ₹246 Cr | ₹47 Cr | 19.0% | ₹36 Cr | ₹8.61 |
| 2024-03-31 | ₹173 Cr | ₹29 Cr | 17.0% | ₹22 Cr | — |
| 2023-03-31 | ₹130 Cr | ₹22 Cr | 17.0% | ₹16 Cr | — |
| 2022-03-31 | ₹98 Cr | ₹20 Cr | 20.0% | ₹15 Cr | — |
| 2021-03-31 | ₹89 Cr | ₹19 Cr | 21.0% | ₹10 Cr | — |
Compounded Growth Rates
Sales Growth
Profit Growth
EPS Growth
Peer Comparison
Finance| Stock | Price | Fair Value | MoS% | P/E | ROE | Signal |
|---|---|---|---|---|---|---|
SIL Investments Limited | ₹436.9 | ₹1,876.1 | +76.7% | 10.8 | 1.3% | FAIRLY_VALUED |
N. B. I. Industrial Finance Company Limited | ₹1,900 | ₹8,108.1 | +76.6% | 37.6 | 0.5% | FAIRLY_VALUED |
BF Investment Limited | ₹390 | ₹1,536.3 | +74.6% | 9.3 | 1.2% | FAIRLY_VALUED |
Nalwa Sons Investments Limited | ₹5,576.5 | ₹21,591.5 | +74.2% | 126.6 | 0.1% | FAIRLY_VALUED |
CP Capital Limited | ₹93.7 | ₹335.3 | +72.0% | 4.2 | 6.3% | FAIRLY_VALUED |
VLS Finance Limited | ₹231.3 | ₹820.3 | +71.8% | 14.2 | 5.8% | FAIRLY_VALUED |
Sammaan Capital Limited | ₹162 | ₹567.9 | +71.5% | 7.8 | 5.7% | FAIRLY_VALUED |
Kalyani Investment Company Limited | ₹4,935 | ₹14,921.9 | +66.9% | 48.8 | 0.5% | FAIRLY_VALUED |
Institutional Activity
Bulk deals, block deals, short selling & delivery volume — NSE data
Insider Trading
Community Pulse
Share this Stock
Download card · Share on WhatsApp
Share on WhatsApp, Twitter, or any group — each share brings new users to Veritas Quant