Price
Financials
Standalone, Rs crore| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & fee income | 0.01 | 0.06 | 0.36 | 0.11 | 0.07 | 0.16 | 0.03 | 0.17 | 0.17 | 2.09 | 9.63 | 21.31 |
| Interest paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.10 | 0.12 |
| Operating costs & provisions | 0.01 | 0.06 | 0.34 | 0.11 | 0.07 | 0.16 | 0.02 | 0.17 | 0.01 | 1.67 | 6.01 | 14.46 |
| Core operating profit | 0.00 | 0.00 | 0.02 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.16 | 0.42 | 3.52 | 6.73 |
| Core operating margin % | 0.00% | 0.00% | 5.56% | 0.00% | 0.00% | 0.00% | 33.33% | 0.00% | 94.12% | 20.10% | 36.55% | 31.58% |
| Depreciation & amortisation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.06 | 0.13 |
| Non-operating income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.06 | 0.00 |
| Pre-tax profit | 0.00 | 0.00 | 0.02 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.16 | 0.43 | 3.52 | 6.60 |
| Effective tax rate % | 0.00% | 0.00% | 25.00% | 27.91% | 25.28% | 33.94% | ||||||
| Profit after tax | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.12 | 0.31 | 2.63 | 4.35 |
| Earnings per share (Rs) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.04 | 0.32 | 0.54 |
| Gross bad loans % | ||||||||||||
| Net bad loans % |
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & fee income | 0.40 | 0.31 | 0.34 | 0.53 | 0.62 | 0.58 | 0.51 | 0.47 | 0.46 | 0.38 | 12.06 | 33.20 |
| Interest paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.10 | 0.22 |
| Operating costs & provisions | 0.35 | 0.24 | 0.30 | 0.45 | 0.59 | 0.55 | 0.49 | 0.45 | 0.44 | 0.36 | 7.68 | 22.15 |
| Core operating profit | 0.05 | 0.07 | 0.04 | 0.08 | 0.03 | 0.03 | 0.02 | 0.02 | 0.02 | 0.02 | 4.28 | 10.83 |
| Core operating margin % | 12.50% | 22.58% | 11.76% | 15.09% | 4.84% | 5.17% | 3.92% | 4.26% | 4.35% | 5.26% | 35.49% | 32.62% |
| Depreciation & amortisation | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.06 | 0.19 |
| Non-operating income | 0.00 | 0.02 | 0.02 | 0.02 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.07 | 0.07 |
| Pre-tax profit | 0.03 | 0.07 | 0.04 | 0.08 | 0.02 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 4.29 | 10.71 |
| Effective tax rate % | 33.33% | 28.57% | 25.00% | 25.00% | 50.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 24.24% | |
| Profit after tax | 0.02 | 0.05 | 0.02 | 0.06 | 0.02 | 0.01 | 0.02 | 0.01 | 0.02 | 0.02 | 3.24 | 7.41 |
| Earnings per share (Rs) | 0.00 | 0.01 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.40 | 0.91 |
| Paid out as dividend % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| 10 Years | 5 Years | 3 Years | TTM | 1 Year | Last Year | |
|---|---|---|---|---|---|---|
| Revenue CAGR | 41% | 83% | 195% | 7621% | ||
| Profit CAGR | 66% | 218% | 587% | 74000% | ||
| Share price CAGR | 0% | 102% | 150% | 166% | ||
| Average return on equity | 5% | 8% | 11% | 19% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net block (property, plant) | 0.39 | 0.36 | 0.34 | 0.32 | 0.30 | 0.29 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 1.93 |
| Capital work in progress | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.76 |
| Investments | 0.25 | 0.15 | 0.15 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 9.23 |
| Current & other assets | 4.69 | 4.85 | 4.94 | 5.09 | 5.83 | 6.64 | 7.10 | 7.05 | 7.21 | 7.06 | 6.38 | 32.04 |
| Total assets | 5.33 | 5.36 | 5.43 | 5.41 | 6.13 | 6.93 | 7.11 | 7.06 | 7.21 | 7.06 | 6.38 | 43.96 |
| Share capital | 5.12 | 5.12 | 5.12 | 5.12 | 5.12 | 5.12 | 5.12 | 5.12 | 5.12 | 5.12 | 5.12 | 8.12 |
| Reserves & surplus | 0.13 | 0.16 | 0.20 | 0.23 | 0.29 | 0.31 | 0.33 | 0.37 | 0.39 | 0.40 | 0.50 | 21.23 |
| Total debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.15 | 0.34 | 0.31 | 0.31 | 3.01 |
| Other liabilities & provisions | 0.08 | 0.08 | 0.11 | 0.06 | 0.72 | 1.50 | 1.66 | 1.42 | 1.36 | 1.23 | 0.45 | 11.60 |
| Equity + liabilities | 5.33 | 5.36 | 5.43 | 5.41 | 6.13 | 6.93 | 7.11 | 7.06 | 7.21 | 7.06 | 6.38 | 43.96 |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | -0.71 | -0.35 | -0.46 | -1.09 | -0.47 | -0.32 | -0.08 | 0.11 | -0.03 | 1.05 | -0.43 | -9.50 |
| Investing cash flow | 0.66 | 0.50 | 0.31 | 1.19 | 0.52 | 0.05 | -0.19 | 0.04 | -0.07 | -0.98 | 0.70 | -12.04 |
| Free cash flow (after capex) | -0.71 | -0.35 | -0.46 | -1.09 | -0.47 | -0.32 | 0.20 | 0.11 | -0.03 | 1.05 | -0.43 | -9.50 |
| Financing cash flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.05 | 0.31 | -0.18 | 0.19 | -0.03 | -0.25 | 24.67 |
| Net change in cash | -0.05 | 0.15 | -0.15 | 0.10 | 0.05 | -0.22 | 0.04 | -0.03 | 0.09 | 0.04 | 0.02 | 3.13 |
| Cash conversion (OCF / EBITDA) % | -1,775% | -700% | -657% | -2,700% | -562% | -1,033% | -267% | 550% | -150% | 5,250% | -2,150% | -217% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Return on equity % | 0.38% | 0.38% | 0.94% | 0.37% | 1.12% | 0.37% | 0.18% | 0.37% | 0.18% | 0.36% | 0.36% | 18.54% |
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter group % | 11.50% | 11.50% | 11.50% | 11.50% | 11.50% | 11.50% | 11.50% | 11.50% | 11.50% | 54.93% | 54.93% | 54.93% |
| Domestic institutions % | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% |
| Retail & others % | 88.49% | 88.50% | 88.49% | 88.50% | 88.50% | 88.49% | 88.49% | 88.49% | 88.49% | 45.06% | 45.07% | 45.08% |
| Shareholder count | 12,487 | 12,778 | 14,406 | 14,905 | 15,635 | 15,738 | 15,998 | 16,133 | 16,079 | 15,492 | 14,848 | 14,725 |
Fundamentals
Market value₹ 123 Cr.
Last price₹ 13.5
P/E (trailing)16.6
Book value / share₹ 3.62
Return on capital22.9 %
Return on equity18.5 %
Dividend yield0.00 %
Face value₹ 1.00
Revenue CAGR (TTM)7621%
Profit CAGR (TTM)74000%
Standalone figures.
Valuation
Market capRs 123 Cr
Enterprise valueRs 123 Cr
P/E (TTM)16.61x
Price to book4.19x
Price to sales3.71x
EV / EBITDA11.30x
EV / EBIT11.36x
EV / sales3.70x
Earnings yield6.02%
P/E, 3-year average588.36x
P/B, 3-year average2.10x
P/E, 5-year average485.40x
P/B, 5-year average1.53x
Profitability
Operating margin (excl. other income)36.32%
Operating margin (incl. other income)36.90%
EBITDA margin32.74%
Pre-tax margin32.26%
Net profit margin22.32%
Net margin, latest quarter20.41%
ROE18.53%
ROCE22.93%
ROA12.87%
ROE, 3-year average6.42%
ROCE, 3-year average7.87%
ROA, 3-year average4.48%
ROE, 5-year average3.96%
ROCE, 5-year average4.86%
ROA, 5-year average2.77%
ROIC (approx.)28.18%
Tax rate24.24%
Other income / net worth0.24%
Growth
Sales growth (latest year)3073.68%
Profit growth (latest year)16100.00%
Sales CAGR, 3 years194.95%
Sales CAGR, 5 years83.48%
Profit CAGR, 3 years586.83%
Profit CAGR, 5 years217.77%
Sales growth QoQ121.29%
Profit growth QoQ65.40%
Sales growth YoY (latest quarter)12435.29%
Per share
EPS (TTM)Rs 0.82
EPS (latest quarter)Rs 0.48
EPS, 3-year averageRs 0.00
EPS, 5-year averageRs 0.00
Book value per shareRs 3.23
Sales per shareRs 3.65
Cash flow per shareRs -1.05
Efficiency
Asset turnover0.27x
Fixed asset turnover6.25x
Leverage
Total debtRs 3 Cr
Cash and bankRs 3 Cr
Net debtRs -0 Cr
Debt to equity0.10x
Net debt / EBITDA-0.03x
Interest coverage108.10x
Owners' fund to total sources66.77%
Debt to assets6.85%
Cash flow
Operating cash flow (latest year)Rs -10 Cr
Investing cash flow (latest year)Rs -12 Cr
Financing cash flow (latest year)Rs 25 Cr
Net change in cash (latest year)Rs 3 Cr
Statement figures
Net sales (TTM)Rs 33 Cr
Net sales (latest year)Rs 12 Cr
Sales (latest quarter)Rs 21 Cr
Operating profit excl. other income (latest year)Rs 4 Cr
Operating profit (latest quarter)Rs 7 Cr
Other income (TTM)Rs 0 Cr
EBITDA (TTM)Rs 11 Cr
PBDT (TTM)Rs 11 Cr
Profit before tax (TTM)Rs 11 Cr
Tax (latest year)Rs 1 Cr
Net profit (TTM)Rs 7 Cr
Net profit (latest year)Rs 3 Cr
Net profit (latest quarter)Rs 4 Cr
Depreciation (TTM)Rs 0 Cr
Depreciation (latest quarter)Rs 0 Cr
Interest (TTM)Rs 0 Cr
Cost of goods sold (latest year)Rs 0 Cr
Total expenditure (latest year)Rs 8 Cr
Total income (latest year)Rs 12 Cr
Share capitalRs 8 Cr
ReservesRs 21 Cr
Shareholders' fundsRs 29 Cr
Total assetsRs 44 Cr
Net blockRs 2 Cr
Capital work in progressRs 1 Cr
InvestmentsRs 9 Cr
Other liabilitiesRs 12 Cr
Shares outstanding (crore)9.09
Computed by MarketFriction from the standalone statements. Returns use average balances.
P/E 9.4 is the lowest in its own 6.6-year history
(median 64.0, low 9.4, high 399.1).
P/B 2.36 is at the 77th percentile (median 0.63).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
| Period | 538540 | Nifty 50 | Difference |
|---|---|---|---|
| 1 week | -9.7% | -2.8% | -6.9 pts |
| 1 month | -18.5% | -6.8% | -11.7 pts |
| 3 months | -30.0% | -7.6% | -22.4 pts |
| 3 years | +1475.6% | +14.2% | +1461.4 pts |
| 5 years | +3204.9% | +27.9% | +3177.0 pts |
Red flags
F-score 4 of 8| explain | Weak cash conversion Cash from operations was -271% of net profit over the last 3 years |
| explain | High accruals Profit exceeded operating cash by 29% of total assets in 2026 |
| explain | Share dilution Share count up 59% in a year, 59% in three |
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.
Latest quarter
Jun 2026Revenue ₹21 Cr +12435.3% vs Jun 2025.
Net profit ₹4 Cr.
Activity
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|---|---|---|---|
| Bajaj Finance Ltd | 606,283 | 29.6 | 10.9 % |
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| Muthoot Finance Ltd | 109,874 | 9.66 | 15.8 % |
| L&T Finance Ltd | 67,935 | 21.2 | 8.40 % |
| SBI Cards & Payment Services Ltd | 55,290 | 24.3 | 10.1 % |
| HDB Financial Services Ltd | 52,415 | 19.0 | 9.09 % |
| Sundaram Finance Ltd | 48,161 | 21.2 | 9.44 % |
| Authum Investment & Infrastructure Ltd | 46,011 | 22.0 | 13.6 % |
| Mahindra & Mahindra Financial Services Ltd | 45,035 | 13.5 | 8.72 % |
| Poonawalla Fincorp Ltd | 39,011 | 49.6 | 7.51 % |
| Manappuram Finance Ltd | 29,725 | 20.5 | 8.25 % |
| IIFL Finance Ltd | 25,929 | 12.3 | 10.9 % |
| Capri Global Capital Ltd | 23,756 | 21.1 | 11.7 % |
No bulk or block deals on record.
No corporate actions on record.
No announcements in our files yet.
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Not on any NSE surveillance list in the latest file.
Quick answers
What is the market cap of Raama Finance Ltd?
Raama Finance Ltd (538540) has a market capitalisation of Rs 123 Cr. at the 2026-10-01 close.
What is the P/E ratio of Raama Finance Ltd?
Raama Finance Ltd trades at a P/E of 16.6 on trailing twelve-month profit, at the 2026-10-01 close.
What were Raama Finance Ltd's latest quarterly results?
In the Jun 2026 quarter, Raama Finance Ltd revenue was Rs 21 Cr (+12435.3% vs Jun 2025) and net profit was Rs 4 Cr.