Akme Fintrade Q3 FY25 Share Price & Earnings Call Analysis

Financials of Akme Fintrade

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Shareholder Pattern

Akme Fintrade

Shareholding breakup across reporting periods.

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Promoters +41.57%41.57%41.57%41.24%41.24%41.20%41.20%39.53%39.02%38.94%
FIIs +5.76%3.49%1.07%0.77%0.75%0.57%0.40%0.62%0.35%0.35%
DIIs +3.16%3.11%3.11%2.99%2.86%2.81%2.81%1.95%1.95%1.85%
Public +49.51%51.82%54.24%54.99%55.15%55.42%55.58%57.88%58.67%58.84%
No. of Shareholders27,04421,23421,78823,70430,59440,98143,65740,22736,94535,366

Pros & Cons

Akme Fintrade

Key positives and risks surfaced from the company insights section.

Pros
  • Mar 2016 Mar 2017 Mar 2018 Sep 2019 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 Assets Under Management (AUM) ₹ Cr 84.19 Credit Rating - 15 Mar 2018 “AFIL's outstanding portfolio has increased by around 70% to Rs.142.80 crore as on March 31, 2017 as compared to Rs.84.19 crore as on March 31, 2016” Page 1 · Source 142.80 Credit Rating - 20 Nov 2019 “AFIL's loan book stood at Rs.475.09 Cr. as on March 31, 2019 as against Rs.335.94 Cr. as on March 31, 2018(Rs. 142.8 Cr. as on March 31, 2017)” Page 2 · Source 335.94 Credit Rating - 20 Nov 2019 “AFIL's loan book stood at Rs.475.09 Cr. as on March 31, 2019 as against Rs.335.94 Cr. as on March 31, 2018” Page 2 · Source 483.83 Credit Rating - 20 Nov 2019 “As on September 30, 2019, the overall loan book stood at Rs.483.83 Cr” Page 2 · Source 421.01 Prospectus - 02 Jul 2024 “March 31, 2021: 42,100.78 Lakhs” Page 184 · Source 351.32 Prospectus - 02 Jul 2024 “March 31, 2022: 35,131.79 Lakhs” Page 184 · Source 354.16 Prospectus - 02 Jul 2024 “March 31, 2023: 35,416.11 Lakhs” Page 184 · Source 425.65 Credit Rating - 07 Apr 2026 “The AUM has grown by ~39 percent from Rs. 618.61 Cr. as on March 31, 2025 to Rs. 862.62 Cr. as on December 31, 2025 (FY2024: 425.65 Cr.)” Page 1 · Source 618.61 Presentation - 17 May 2025 “AUM in FY25 45.33% growth Y-o-Y 618.61 Cr” Page 5 · Source 918.61 Annual Report - 31 Mar 2026 “The AUM of your Company stood at Rs. 91,860.55 Lacs as at March 31, 2026” Page 65 · Source Disbursements ₹ Cr 71.00 Presentation - 17 May 2025 “Year 2015 - 2016: Achieved AUM of ₹84crs. and loan disbursement of ₹71 crs.” Page 11 · Source 105.00 Presentation - 17 May 2025 “Year 2017: Achieved AUM of ₹143 crs. and loan disbursement of ₹105 crs.” Page 11 · Source 292.00 Presentation - 17 May 2025 “Year 2019: Achieved AUM of ₹475crs. and loan disbursement of ₹292 crs.” Page 11 · Source 53.78 Prospectus - 02 Jul 2024 “Fiscal 2021: Fresh Loan Disbursement 5,377.60” Page 37 · Source 19.54 Prospectus - 02 Jul 2024 “Fiscal 2022: Fresh Loan Disbursement 1,954.14” Page 37 · Source 78.34 Prospectus - 02 Jul 2024 “Fiscal 2023: Fresh Loan Disbursement 7,834.00” Page 37 · Source 97.05 Annual Report - 31 Mar 2026 “253.78 / 378.16 / 97.05 / 78.34 / 19.54 / 53.78” Page 42 · Source 253.78 Presentation - 17 May 2025 “Amount Disbursed in FY25 growth Y-o-Y 161.49% & in Q4 FY25 -₹108.02 Cr 253.78 Cr” Page 5 · Source 378.16 Annual Report - 31 Mar 2026 “The Loan disbursement of the Company as at the end of Financial Year 2026 was Rs. 37,816.15 Lacs” Page 64 · Source Number of Branches count 69 Credit Rating - 20 Nov 2019 “The company presently operates through a network of 69 branches spread across Rajasthan, Madhya Pradesh, Maharashtra and Gujarat as on September 30, 2019” Page 1 · Source 7 Prospectus - 02 Jul 2024 “Branches: 7 (FY2021)” Page 184 · Source 7 Prospectus - 02 Jul 2024 “Branches: 7 (FY2022)” Page 184 · Source 7 Prospectus - 02 Jul 2024 “Branches: 7 (FY2023)” Page 184 · Source 12 Prospectus - 02 Jul 2024 “Branches: 12 (9M FY24)” Page 184 · Source 29 Presentation - 17 May 2025 “29 Number of Branches” Page 5 · Source 27 Annual Report - 31 Mar 2026 “we have network of 27 branches, spread across 5 states” Page 36 · Source Number of States of Operation count 1 Credit Rating - 12 Apr 2017 “AFIL is engaged in two and three wheeler financing in regions surrounding Udaipur in Rajasthan” Page 1 · Source 4 Credit Rating - 20 Nov 2019 “AFIL largely operates in Rajasthan and has expanded to Maharashtra, Madhya Pradesh and Gujarat” Page 2 · Source 4 Credit Rating - 20 Nov 2019 “a network of 69 branches spread across Rajasthan, Madhya Pradesh, Maharashtra and Gujarat as on September 30, 2019” Page 1 · Source 4 Prospectus - 03 Jul 2023 “We have our footprints in rural and semi-urban geographies in 4 Indian states” Page 23 · Source 4 Prospectus - 02 Jul 2024 “we have network of 12 branches, spread across 4 states, Rajasthan, Maharashtra, Gujrat and Madhya Pradesh” Page 233 · Source 4 Presentation - 17 May 2025 “Presence in 4 States / UT across India (focused on expansion)” Page 5 · Source 5 Annual Report - 31 Mar 2026 “we have network of 27 branches, spread across 5 states” Page 36 · Source Number of Live Loan Accounts count 45,315 Prospectus - 02 Jul 2024 “Customer Base (Nos): 45,315” Page 55 · Source 33,959 Prospectus - 02 Jul 2024 “Customer Base (Nos): 33,959” Page 55 · Source 32,399 Prospectus - 02 Jul 2024 “Customer Base (Nos): 32,399” Page 55 · Source 32,771 Prospectus - 02 Jul 2024 “Customer Base (Nos): 32,771” Page 55 · Source 45,199 Presentation - 17 May 2025 “45,199 Live accounts” Page 5 · Source 53,293 Presentation - 20 Nov 2025 “53,293 Live accounts” Page 5 · Source SME/LAP Loan AUM ₹ Cr 325.26 Prospectus - 02 Jul 2024 “Business Loans 32,526.49 (77.26%)” Page 45 · Source 275.11 Prospectus - 02 Jul 2024 “Business Loans 27,511.10 (78.31%)” Page 45 · Source 278.91 Prospectus - 02 Jul 2024 “Business Loans 27,890.94 (78.75%)” Page 45 · Source 300.67 Prospectus - 02 Jul 2024 “Business Loans 30,066.65 (79.23%)” Page 45 · Source 353.05 Presentation - 17 May 2025 “SME/Business Loans (As of March 2025): ₹353.05 Cr” Page 13 · Source 337.26 Annual Report - 31 Mar 2026 “Business/LAP Loans 33,726.10 35,305.38” Page 181 · Source Vehicle Loan AUM ₹ Cr 95.74 Prospectus - 02 Jul 2024 “Vehicle Loan 9,574.29 (22.74%)” Page 45 · Source 76.21 Prospectus - 02 Jul 2024 “Vehicle Loan 7,620.69 (21.69%)” Page 45 · Source 75.25 Prospectus - 02 Jul 2024 “Vehicle Loan 7,525.18 (21.25%)” Page 45 · Source 78.80 Prospectus - 02 Jul 2024 “Vehicle Loan 7,879.63 (20.77%)” Page 45 · Source 228.04 Presentation - 17 May 2025 “Used Commercial Vehicles (As of March 2025): ₹228.04 Cr” Page 13 · Source 440.95 Annual Report - 31 Mar 2026 “Vehicle Loans 44,094.73 22,803.70” Page 181 · Source New Loans Disbursed count 17,230 Presentation - 17 May 2025 “17,230 New loans Disbursed in FY25” Page 5 · Source
Cons
No explicit risk notes available.
Raw Insights
  • Mar 2016 Mar 2017 Mar 2018 Sep 2019 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 Assets Under Management (AUM) ₹ Cr 84.19 Credit Rating - 15 Mar 2018 “AFIL's outstanding portfolio has increased by around 70% to Rs.142.80 crore as on March 31, 2017 as compared to Rs.84.19 crore as on March 31, 2016” Page 1 · Source 142.80 Credit Rating - 20 Nov 2019 “AFIL's loan book stood at Rs.475.09 Cr. as on March 31, 2019 as against Rs.335.94 Cr. as on March 31, 2018(Rs. 142.8 Cr. as on March 31, 2017)” Page 2 · Source 335.94 Credit Rating - 20 Nov 2019 “AFIL's loan book stood at Rs.475.09 Cr. as on March 31, 2019 as against Rs.335.94 Cr. as on March 31, 2018” Page 2 · Source 483.83 Credit Rating - 20 Nov 2019 “As on September 30, 2019, the overall loan book stood at Rs.483.83 Cr” Page 2 · Source 421.01 Prospectus - 02 Jul 2024 “March 31, 2021: 42,100.78 Lakhs” Page 184 · Source 351.32 Prospectus - 02 Jul 2024 “March 31, 2022: 35,131.79 Lakhs” Page 184 · Source 354.16 Prospectus - 02 Jul 2024 “March 31, 2023: 35,416.11 Lakhs” Page 184 · Source 425.65 Credit Rating - 07 Apr 2026 “The AUM has grown by ~39 percent from Rs. 618.61 Cr. as on March 31, 2025 to Rs. 862.62 Cr. as on December 31, 2025 (FY2024: 425.65 Cr.)” Page 1 · Source 618.61 Presentation - 17 May 2025 “AUM in FY25 45.33% growth Y-o-Y 618.61 Cr” Page 5 · Source 918.61 Annual Report - 31 Mar 2026 “The AUM of your Company stood at Rs. 91,860.55 Lacs as at March 31, 2026” Page 65 · Source Disbursements ₹ Cr 71.00 Presentation - 17 May 2025 “Year 2015 - 2016: Achieved AUM of ₹84crs. and loan disbursement of ₹71 crs.” Page 11 · Source 105.00 Presentation - 17 May 2025 “Year 2017: Achieved AUM of ₹143 crs. and loan disbursement of ₹105 crs.” Page 11 · Source 292.00 Presentation - 17 May 2025 “Year 2019: Achieved AUM of ₹475crs. and loan disbursement of ₹292 crs.” Page 11 · Source 53.78 Prospectus - 02 Jul 2024 “Fiscal 2021: Fresh Loan Disbursement 5,377.60” Page 37 · Source 19.54 Prospectus - 02 Jul 2024 “Fiscal 2022: Fresh Loan Disbursement 1,954.14” Page 37 · Source 78.34 Prospectus - 02 Jul 2024 “Fiscal 2023: Fresh Loan Disbursement 7,834.00” Page 37 · Source 97.05 Annual Report - 31 Mar 2026 “253.78 / 378.16 / 97.05 / 78.34 / 19.54 / 53.78” Page 42 · Source 253.78 Presentation - 17 May 2025 “Amount Disbursed in FY25 growth Y-o-Y 161.49% & in Q4 FY25 -₹108.02 Cr 253.78 Cr” Page 5 · Source 378.16 Annual Report - 31 Mar 2026 “The Loan disbursement of the Company as at the end of Financial Year 2026 was Rs. 37,816.15 Lacs” Page 64 · Source Number of Branches count 69 Credit Rating - 20 Nov 2019 “The company presently operates through a network of 69 branches spread across Rajasthan, Madhya Pradesh, Maharashtra and Gujarat as on September 30, 2019” Page 1 · Source 7 Prospectus - 02 Jul 2024 “Branches: 7 (FY2021)” Page 184 · Source 7 Prospectus - 02 Jul 2024 “Branches: 7 (FY2022)” Page 184 · Source 7 Prospectus - 02 Jul 2024 “Branches: 7 (FY2023)” Page 184 · Source 12 Prospectus - 02 Jul 2024 “Branches: 12 (9M FY24)” Page 184 · Source 29 Presentation - 17 May 2025 “29 Number of Branches” Page 5 · Source 27 Annual Report - 31 Mar 2026 “we have network of 27 branches, spread across 5 states” Page 36 · Source Number of States of Operation count 1 Credit Rating - 12 Apr 2017 “AFIL is engaged in two and three wheeler financing in regions surrounding Udaipur in Rajasthan” Page 1 · Source 4 Credit Rating - 20 Nov 2019 “AFIL largely operates in Rajasthan and has expanded to Maharashtra, Madhya Pradesh and Gujarat” Page 2 · Source 4 Credit Rating - 20 Nov 2019 “a network of 69 branches spread across Rajasthan, Madhya Pradesh, Maharashtra and Gujarat as on September 30, 2019” Page 1 · Source 4 Prospectus - 03 Jul 2023 “We have our footprints in rural and semi-urban geographies in 4 Indian states” Page 23 · Source 4 Prospectus - 02 Jul 2024 “we have network of 12 branches, spread across 4 states, Rajasthan, Maharashtra, Gujrat and Madhya Pradesh” Page 233 · Source 4 Presentation - 17 May 2025 “Presence in 4 States / UT across India (focused on expansion)” Page 5 · Source 5 Annual Report - 31 Mar 2026 “we have network of 27 branches, spread across 5 states” Page 36 · Source Number of Live Loan Accounts count 45,315 Prospectus - 02 Jul 2024 “Customer Base (Nos): 45,315” Page 55 · Source 33,959 Prospectus - 02 Jul 2024 “Customer Base (Nos): 33,959” Page 55 · Source 32,399 Prospectus - 02 Jul 2024 “Customer Base (Nos): 32,399” Page 55 · Source 32,771 Prospectus - 02 Jul 2024 “Customer Base (Nos): 32,771” Page 55 · Source 45,199 Presentation - 17 May 2025 “45,199 Live accounts” Page 5 · Source 53,293 Presentation - 20 Nov 2025 “53,293 Live accounts” Page 5 · Source SME/LAP Loan AUM ₹ Cr 325.26 Prospectus - 02 Jul 2024 “Business Loans 32,526.49 (77.26%)” Page 45 · Source 275.11 Prospectus - 02 Jul 2024 “Business Loans 27,511.10 (78.31%)” Page 45 · Source 278.91 Prospectus - 02 Jul 2024 “Business Loans 27,890.94 (78.75%)” Page 45 · Source 300.67 Prospectus - 02 Jul 2024 “Business Loans 30,066.65 (79.23%)” Page 45 · Source 353.05 Presentation - 17 May 2025 “SME/Business Loans (As of March 2025): ₹353.05 Cr” Page 13 · Source 337.26 Annual Report - 31 Mar 2026 “Business/LAP Loans 33,726.10 35,305.38” Page 181 · Source Vehicle Loan AUM ₹ Cr 95.74 Prospectus - 02 Jul 2024 “Vehicle Loan 9,574.29 (22.74%)” Page 45 · Source 76.21 Prospectus - 02 Jul 2024 “Vehicle Loan 7,620.69 (21.69%)” Page 45 · Source 75.25 Prospectus - 02 Jul 2024 “Vehicle Loan 7,525.18 (21.25%)” Page 45 · Source 78.80 Prospectus - 02 Jul 2024 “Vehicle Loan 7,879.63 (20.77%)” Page 45 · Source 228.04 Presentation - 17 May 2025 “Used Commercial Vehicles (As of March 2025): ₹228.04 Cr” Page 13 · Source 440.95 Annual Report - 31 Mar 2026 “Vehicle Loans 44,094.73 22,803.70” Page 181 · Source New Loans Disbursed count 17,230 Presentation - 17 May 2025 “17,230 New loans Disbursed in FY25” Page 5 · Source

Financials of Akme Fintrade

Quarterly Results

Quarter-by-quarter operating performance

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue +16172020212428293235404342
Interest6788889111113161618
Expenses +656446768891310
Financing Profit456991012121214151414
Financing Margin %26%30%32%43%43%43%43%41%38%41%37%33%34%
Other Income +0000000000000
Depreciation0000000000000
Profit before tax456991012121214141414
Tax %26%26%9%27%5%19%25%36%21%28%27%10%18%
Net Profit +346698981010101212
EPS in Rs0.100.110.180.200.200.190.210.180.230.240.240.290.26
Gross NPA %
Net NPA %

Financials of Akme Fintrade

Profit & Loss

Annual income statement trend

Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue +458710087687073102149159
Interest23465648352828365663
Expenses +8151719242221243839
Financing Profit1425282081924435557
Financing Margin %32%29%27%23%12%28%32%42%37%36%
Other Income +1200001000
Depreciation0111111111
Profit before tax1526271981924435456
Tax %28%32%30%15%46%23%22%22%22%
Net Profit +1118191641519334244
EPS in Rs0.460.730.780.660.170.460.580.780.991.03
Dividend Payout %0%1%0%0%0%0%0%0%0%

Financials of Akme Fintrade

Balance Sheet

Capital structure and asset base

Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital4422222232324343
Reserves629189108115173192340381
Borrowing328425399318230178205282503
Other Liabilities +51567788117
Total Liabilities399535515455374390436675934
Fixed Assets +5677619181926
CWIP000000000
Investments112000014
Other Assets +393528506448368371418655904
Total Assets399535515455374390436675934

Financials of Akme Fintrade

Cash Flows

Operating, investing and financing cash movement

Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +20856323-46-177-167
Cash from Investing Activity +-332-152-35-22
Cash from Financing Activity +-31-84-75-245222216
Net Cash Flow-144-10711027
Free Cash Flow18856310-45-179-174

Financials of Akme Fintrade

Ratios

Working capital efficiency and return ratios

Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %16%22%18%13%3%8%8%11%10%

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What Akme Fintrade's management said in earlier quarters

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