Akme Fintrade Q3 FY25 Earnings Analysis
Published 7 Jul 2026 | Finance | Market Cap: ₹414 Cr
Price
₹9.9
Market Cap
₹414 Cr
P/E Ratio
9.3
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Earnings Summary
Management targets AUM growth of around 60% in FY26 and further 50% in FY27. The company targets AUM growth of approximately 60% in FY26 and 50% in FY27, expecting to reach Rs.
📊 Revenue & Sales Performance
- →Management targets AUM growth of around 60% in FY26 and further 50% in FY27.
- →Projected AUM is approximately Rs. 1,000 crores by March 2026 and Rs. 1,500 crores by March 2027.
- →Q4 FY25 AUM is projected to cross Rs. 600 crores.
- →Disbursements showed strong growth: Rs. 70.12 crores in Q3 FY25, a 30.08% growth over Q2.
- →Vehicle loans segment grew 37% in the quarter, increasing its portfolio share to 31.6%.
- →Profits expected to maintain guidance with PAT around Rs. 35 crores for the full fiscal year.
- →Growth driven by expansion in MSME lending, vehicle financing including entry into the EV segment, and geographical expansion within existing states.
- →Digital transformation initiatives expected to improve operational efficiency and customer acquisition.
📈 Profitability & Margins
- →The company targets AUM growth of approximately 60% in FY26 and 50% in FY27, expecting to reach Rs. 1,000 crores by March 2026 and Rs. 1,500 crores by March 2027.
- →Profit After Tax (PAT) guidance is around Rs. 35 crores for FY25, with an expected net profit margin of about 35% in FY26 and 30% in FY27.
- →Q4 FY25 PAT is expected to be around Rs. 10 crores, supporting the full-year target.
- →Net Interest Margin remains strong at 13.41%, with expectations of improved margins due to reduced borrowing costs.
- →The company plans to leverage digital transformation for operational efficiency and profitability.
- →Ongoing strategic expansion in geographical presence and product offerings (including entry into EV loans) is expected to drive sustainable earnings growth.
🏗️ Capital Expenditure Plans
- →Raised Rs. 35 crores through convertible warrants intended for expansion plans, including launching new branches in new geographical locations to enhance credit availability.
- →Planned operational fund deployment from warrant proceeds primarily for loan disbursement and onward lending purposes.
- →Focus on digital transformation with full-scale digital operations expected by the end of the financial year, improving customer experience and operational efficiency.
- →Investment in geographical expansion within current states (Rajasthan, MP, Gujarat, Maharashtra) by adding more branches.
- →Launch of new financial product offering in electric vehicle (EV) loans expected within the current quarter as part of diversification.
- →Strengthened partnerships with leading banks and financial institutions to support scale-up and operational efficiency.
- →No specific capex amounts detailed; emphasis is on strategic investments to drive growth and digital initiatives.
💰 Fundraising & Capital Structure
- →The company raised Rs. 65 crores in Q3 FY25 through term loans from financial institutions (e.g., Shriram Finance, Maanaveeya Development & Financial Private Limited, Indian Overseas Bank, MAS Financial Services).
- →Additionally, Rs. 35 crores were raised via convertible warrants to fund expansion and new branch launches.
- →Currently, 25% of the warrant amount has been received; the remaining 75% will be received over the next 18 months as per requirements.
- →The raised funds will be primarily used for onward lending and operational purposes.
- →There are proposals worth around Rs. 150 crores under pipeline with SBI, SIDBI, Union Bank, UCO Bank, and other NBFCs to raise further debt.
- →The company’s credit rating was upgraded from BBB to BBB+ Stable, facilitating potentially lower borrowing costs.
- →No specific future equity fundraise has been disclosed beyond the convertible warrants mentioned.
📋 Order Book & Pipeline
The document does not explicitly mention current or expected orderbook or pending orders for Akme Fintrade India Limited. However, related insights from the call include:
- Proposal pipeline of approximately Rs. 150 crores under process at various stages with multiple banks and NBFCs including SBI, SIDBI, Union Bank, and UCO Bank.
- Management expects to raise further funds to support loan disbursement and operational expansion.
- Q4 projected AUM of around Rs. 600 crores indicating a growing loan book.
- Strong disbursement momentum in vehicle loans and MSME lending segments supports ongoing growth.
- Capital infusion from warrant issuance (25% received so far, balance expected within 18 months) to be utilized for onward lending.
No explicit data on orderbook or pending orders was disclosed.
Key Metrics
Frequently Asked Questions
What were Akme Fintrade Q3 FY25 results?
Management targets AUM growth of around 60% in FY26 and further 50% in FY27. The company targets AUM growth of approximately 60% in FY26 and 50% in FY27, expecting to reach Rs.
What is Akme Fintrade share price analysis?
Akme Fintrade currently shows a neutral. The stock trades at a P/E of 9.3 with a market cap of ₹414 Cr. Investors should review the full earnings analysis for detailed insights.
Is Akme Fintrade planning capital expenditure?
Raised Rs.
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This analysis is AI-generated based on publicly available earnings data and concall transcripts. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.