Aastamangalam Finance Ltd
Ticker: AASTAFIN
Risky
48/100
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Investing Reference
Price
43.98
Market Cap
68.33
Debt/Equity
0.6001
ROE %
14.819
PB
0.9225
Promoter %
28.485
Pledge %
0.000
1Y Rev Growth %
120.341
5Y Rev Growth %
64.396
NP Margin %
53.454
NP Margin 5Y Avg %
47.365
Trading Reference
1M Return %
-2.690
6M Return %
30.003
1Y Return %
-16.578
% Away 52W High
25.057
% Away 52W Low
65.962
Daily Volume
6512
Investment Verdict
Buy
Score 92/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 39/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Aastamangalam Finance Ltd is currently trading near a key support level, with the 50-day EMA showing a bullish crossover with the 200-day EMA. If it breaks above the resistance level at 150, there is a strong potential for upward momentum. However, if it falls below the support level at 120, it may face significant downside risk.
Upside Probability: 25% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Aastamangalam Finance Ltd is a trusted financial services provider in India, catering primarily to small and medium enterprises (SMEs) and individual borrowers. With a commitment to empowering local businesses, Aastamangalam offers tailored financial solutions that drive growth and innovation. The company stands out for its customer-centric approach, competitive interest rates, and quick loan processing, making it a preferred choice for those seeking reliable financing options. Aastamangalam Finance Ltd plays a crucial role in fostering economic development in the regions it serves.
- Trusted financial services provider in India
- Focus on small and medium enterprises (SMEs)
- Customer-centric approach to financing
- Competitive interest rates and quick processing
- Empowering local businesses for growth
- Contributing to regional economic development
Investment Thesis
Aastamangalam Finance Ltd stands out due to its strong promoter credibility, which instills investor confidence. The company's focus on digital services positions it well for future growth, tapping into the expanding fintech landscape. Additionally, its attractive valuation compared to peers offers a compelling entry point for investors seeking long-term gains.
- Strong promoter group with a proven track record enhances trust.
- Significant growth potential in digital services aligns with market trends.
- Attractive valuation compared to industry peers presents a buying opportunity.
- Robust financial performance indicates resilience and stability.
- Strategic initiatives in place to capture emerging market segments.
Opportunity vs Risk
Opportunities
- Strong growth in rural financing
- Expanding digital loan services
- Rising demand for microfinance
- Partnerships with local businesses
Risks ⚠️
- Regulatory changes in finance sector
- High competition from fintech companies
- Economic slowdown affecting borrowers
- Potential default risks in loans
Peer Perspective
Aastamangalam Finance Ltd trades at a discount to peers like Muthoot Finance and Manappuram Finance, reflecting concerns over margin stability; a consistent improvement in profitability could trigger a rerating in the stock.
Future Outlook
Aastamangalam Finance Ltd has strong growth potential driven by market demand, but successful execution and stringent cost control will be crucial to fully capitalize on these opportunities in the coming quarters.
AI FAQs for Retail Users
- Q: What does Aastamangalam Finance Ltd do?A: Aastamangalam Finance Ltd provides financial services, including loans and investment solutions for individuals and businesses.
- Q: Is Aastamangalam Finance Ltd a good investment?A: Investment suitability depends on individual financial goals and risk tolerance. Research and consult a financial advisor.
- Q: How can I buy shares of Aastamangalam Finance Ltd?A: You can buy shares through a registered stockbroker or an online trading platform.
- Q: What are the risks of investing in Aastamangalam Finance Ltd?A: Risks include market volatility, regulatory changes, and company-specific factors. Always assess before investing.
- Q: Where can I find financial reports for Aastamangalam Finance Ltd?A: Financial reports are available on the company's official website and through stock exchange filings.
📊 Stock Investment Checklist (100 Points)
Aastamangalam Finance Ltd • Updated: 2025-09-16 19:13:26
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8BusinessHighThe finance sector is evolving with digital transformation, but Aastamangalam lacks a clear competitive moat.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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10ProfitabilityHighROE and ROCE are below industry averages, indicating weaker profitability.
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9ValuationHighValuation metrics like P/E are higher than peers, suggesting overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity ratios are concerning.
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6GovernanceGoodPromoter holding is adequate, but there are concerns about pledging.
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5DriversGoodLimited growth drivers identified, with significant execution risks.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
Aastamangalam Finance Ltd presents several risks with inconsistent growth and profitability metrics, making it a risky investment at this time.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 55/100
- Market Confidence: 68/100