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AROHAN FINANCIAL SERVICES LIMITED

  • www.arohan.in
  • Sector: Banks/NBFC
  • CHRYSEUM SCORE: 6.00/10.00
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    AROHAN FINANCIAL SERVICES LIMITED

    • Sector: Banks/NBFC
    • CHRYSEUM SCORE: 6.00/10.00

    Description: Arohan Financial Services Limited is the leading NBFC-MFI having operations in low income states of India that are financially unpenetrated.

    Evaluation is basis the latest financial year disclosures filed by the company

    Valuation

    Max Score: 3.50

    P/B of Company

    2.07

    Avg P/B of Key Peers

    1.57

    P/B of Industry

    1.59

    Valuation Score

    0.00

    The Valuation Score depicts if the company is available at a discount when compared to its listed peer & its Industry Average. Higher the discount, more is the score given to the company.

    Growth

    Max Score: 3.50

    Sales Growth

    17.29%

    PAT Growth

    NA

    BVPS Growth

    25.94%

    Growth Score

    3.50

    The Growth Score accounts for the growth in Sales, PAT and the BVPS on a 3 year CAGR basis.

    Key Metrics

    Max Score: 1.50

    ROA

    3.87%

    Net NPA

    0.21%

    Capital Adequacy

    29.01%

    Key Metrics Score

    1.00

    The Other Key Metrics takes into consideration the Return on Asset, Net NPA and CAR of the company.ROA & NNPA are compared to the company’s peer averages.

    Management Quality

    Max Score: 1.50

    Board Structure & Composition

    1.00

    Related Party Transactions

    1.00

    Timely Disclosure

    1.00

    Management Score

    1.50

    This score represents a consolidated view of the Company’s Management Quality, which includes Board Structure, Related Party Transactions and Timely disclosures. Each parameter is scored out of 1.

₹250.00 0.00 (0.00%)

As on 18 Apr, 2025
L 250.00 52 Week Range H 300.00
Company Description : Arohan Financial Services Limited is the leading NBFC-MFI having operations in low income states of India that are financially unpenetrated. It is the largest NBFC-MFI in eastern India
Company Overview
  • Name of Company AROHAN FINANCIAL SERVICES LIMITED
  • Sector Banks/NBFC
  • ISIN INE808K01017
  • Scrip Code AROHAN
  • CIN U74140WB1991PLC053189
  • Pan No AAECA6121D
  • Face Value 10
  • Price ₹ 250.00
  • No. of Shares outstanding 15.82 Cr.
  • Market Cap ₹ 3,955.31 Cr
Financials
  • Revenue from operations ₹ 1,591.17 Cr.
  • EBITDA ₹ 1,010.34 Cr.
  • EBITDA Margin % 63.50%
  • Profit After Tax ₹ 313.71 Cr.
  • PAT Margin % 19.19%
  • EPS 19.83
  • Stock P/E 12.61
  • Book Value Per Share 121.02
  • P/B 2.07
  • Debt/Equity 2.72
Other Key Statistics
  • 52 week High/Low 300.00/250.00
  • Dividend Per Share 0.00
  • Dividend Yield 0.00%
  • Sales Growth - 3 years 17.29%
  • EBITDA Growth - 3 years 57.85%
  • PAT Growth - 3 years NA
  • EPS Growth - 3 years NA
  • ROE 16.38%
  • ROCE 50.61%
  • Cash Equivalents 1267.61
All figures below are in INR Crores unless otherwise stated

Peer Comparison

Key Financials - FY24
Company Name Arohan Financial Services Limited Credit Acess Grameen Satin Creditcare Network Ltd
Listing Status Unlisted Listed Listed
Total Revenue from Operations 1,591.17 5,166.67 2,232.79
Total Income 1,634.63 5,172.65 2,240.53
Finance Cost 592.23 1,732.44 901.02
Depreciation & Amortization 5.68 51.15 22.66
Total Expenses 1,222.20 3,233.47 1,657.64
EBITDA 1,010.34 3,722.77 1,506.57
PAT 313.71 1,445.93 435.94
No. of Shares Outstanding 15.67 15.94 11.05
EPS (in ₹) 20.02 90.72 39.46
Equity Share Capital 157.41 159.38 110.04
Total Net Worth 1,914.75 6,569.98 2,400.85
Total Assets 8,115.44 28,846.16 10,490.01
Borrowings 5,207.96 19,773.65 6,533.75
Key Metrics:
CMP* 250.00 1,120.60 159.18
Market Cap (In Cr.) 3,955.31 17,862.36 1,758.94
Market Cap/Sales 2.42 3.45 0.79
EPS (Earnings Per Share) 20.02 90.72 39.46
BVPS (Book Value Per Share) 122.18 412.23 217.33
P/E 12.49 12.35 4.03
P/BV 2.05 2.72 0.73
Debt-Equity 2.72 3.01 2.72
EBITDA Margin 63.50% 72.05% 67.47%
ROE 16.38% 22.01% 18.16%
ROA 3.87% 5.01% 4.16%
Capital Adeqacy Ratio 29.01% 23.13% 27.66%
*Market Price in ₹ as on 18 Apr, 2025

Profit Loss

FY24 FY23 FY22 FY21 FY20
Revenue from operations 1,591.17 1,069.45 901.73 986.19 921.80
Y-o-Y Revenue Growth 48.78% 18.60% -8.56% 6.99% 41.27%
Other Income 43.46 21.54 18.70 27.48 12.71
Total Income 1,634.63 1,090.99 920.43 1,013.67 934.51
Total Expenses (Excludes Interest and Depreciation) 624.29 527.64 429.86 756.80 378.02
Operating Profit (After deducting Depreciation) 961.20 537.05 466.01 222.70 537.08
OPM % 60.41 50.22 51.68 22.58 58.26
EBITDA 1,010.34 563.35 490.57 256.87 556.49
Depreciation 5.68 4.76 5.86 6.69 6.70
EBIT 1,004.66 558.59 484.71 250.18 549.79
Interest 592.23 468.64 401.76 467.99 382.20
EBT before Exceptional Items 412.43 89.95 82.95 -217.81 167.59
Prior period/Exceptional /Extra Ordinary Items 0.00 0.00 0.00 0.00 0.00
Profit before tax/EBT 412.43 89.95 82.95 -217.81 167.59
Tax 98.72 19.24 21.99 -57.84 40.78
Net Profit 313.71 70.71 60.96 -159.97 126.81
EPS in Rs 19.83 4.47 3.85 -10.11 8.02
EPS Change % 343.63% 16.00% -138.11% -226.15% -0.65%
EBITDA Change % 79.34% 14.84% 90.98% -53.84% 27.29%
Profit growth 343.63% 16.00% -138.11% -226.15% -0.65%
ROCE 50.61% 40.33% 45.52% 25.04% 55.12%
ROE 16.38% 5.28% 5.96% -16.69% 13.17%
Debt / Equity Ratio 2.72 2.85 3.33 3.34 4.14
Sales growth 3Years 17.29%
Sales growth 5Years 19.52%
Dividend per share 0.00

Balance Sheet

FY24 FY23 FY22 FY21 FY20
Share Capital 157.41 150.39 120.18 120.18 110.32
Reserves 1,757.34 1,187.64 903.30 838.46 852.31
Total shareholders' funds 1,914.75 1,338.03 1,023.48 958.64 962.63
Borrowings 5,207.96 3,809.36 3,410.78 3,197.76 3,983.41
Other Liabilities 157.96 545.25 490.95 1,306.91 320.55
Total Liabilities 6,200.68 4,680.14 4,206.11 4,522.55 4,318.19
Fixed Assets 8.07 5.74 7.94 5.02 6.49
Capital WIP 0.00 0.00 0.00 0.00 0.00
Investments 90.16 78.77 0.05 0.00 0.00
Other Assets 52.20 75.97 61.16 30.19 33.78
Total Assets 8,115.44 6,018.17 5,229.22 5,481.19 5,280.82
Cash Equivalents 1,267.61 934.56 1,307.35 1,350.51 840.24
Total Current liability 6,130.27 4,632.95 4,164.39 4,482.21 4,283.43
Total Assets -Total Current liabilty 1,985.17 1,385.22 1,064.83 998.98 997.39

Cash Flow

FY24 FY23 FY22 FY21 FY20
Net Cash from / (used in) Operating Activity -1,229.80 -923.18 224.61 113.72 -761.40
Net Cash from / (used in) Investing Activity -11.18 -106.82 -162.95 -2.01 -4.74
Net Cash from / (used in) Financing Activity 1,623.38 632.93 -266.05 357.72 1,280.72
Net Inc/Dec In Cash And Cash Equivalents 382.40 -397.07 -204.39 469.43 514.57

Share Holding Pattern

No. of Shares in Crs. % Holding
Promoters 4.06 25.89%
Non Promoters 11.61 74.11%

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