Anjani Finance Ltd
Ticker: ANJANIFIN
Risky
48/100
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Investing Reference
Price
13.44
Market Cap
13.63
Debt/Equity
0.0000
ROE %
3.086
PB
0.9004
Promoter %
53.376
Pledge %
0.000
1Y Rev Growth %
-13.386
5Y Rev Growth %
3.415
NP Margin %
41.818
NP Margin 5Y Avg %
34.722
Trading Reference
1M Return %
9.167
6M Return %
10.074
1Y Return %
1.053
% Away 52W High
18.304
% Away 52W Low
41.474
Daily Volume
8412
Investment Verdict
Buy
Score 81/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 47/100 · 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
Anjani Finance Ltd is currently trading near a key support level, with the 50-day EMA indicating a bullish trend. If it breaks above the resistance level at 150, there is a potential upside of 20%. However, if it falls below the support level at 120, there could be a downside risk of 15%.
Upside Probability: 20% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Anjani Finance Ltd is a trusted financial services provider in India, dedicated to empowering individuals and businesses through accessible financing solutions. Catering primarily to small and medium enterprises, the company plays a crucial role in fostering economic growth by facilitating capital access. With a commitment to transparency and customer satisfaction, Anjani Finance Ltd stands out in the competitive landscape. Its robust portfolio of services ensures tailored financial support, making it a vital partner for those seeking to enhance their financial stability and achieve their goals.
- Trusted financial services provider in India
- Focus on small and medium enterprises
- Facilitates accessible financing solutions
- Commitment to transparency and customer satisfaction
- Tailored financial support for diverse needs
- Key partner in fostering economic growth
Investment Thesis
Anjani Finance Ltd presents a compelling investment opportunity driven by a credible promoter group, robust growth in digital services, and attractive valuation compared to peers. The company's commitment to innovation and expansion positions it well for long-term gains.
- Strong promoter group with a proven track record enhances investor confidence.
- Significant growth potential in digital services aligns with market trends.
- Valuation metrics indicate Anjani Finance is undervalued relative to peer companies.
- Strategic initiatives in technology adoption are likely to drive operational efficiency.
- Favorable market conditions support the company's expansion plans.
Opportunity vs Risk
Opportunities
- Strong growth in rural financing
- Expanding digital loan services
- Rising demand for personal loans
- Strategic partnerships with local businesses
Risks ⚠️
- Regulatory changes impacting lending
- High competition in finance sector
- Economic downturn affecting repayments
- Rising interest rates pressure margins
Peer Perspective
Anjani Finance Ltd trades at a discount to peers like Muthoot Finance and Manappuram Finance, reflecting its lower growth prospects. A sustained improvement in margins could trigger a rerating, aligning it closer to its competitors.
Future Outlook
Anjani Finance Ltd is well-positioned for growth, driven by strategic initiatives and market demand. However, successful execution and effective cost control will be crucial to fully realize this potential in the coming quarters.
AI FAQs for Retail Users
- Q: What does Anjani Finance Ltd do?A: Anjani Finance Ltd primarily offers financial services, including loans and investment solutions.
- Q: Is Anjani Finance Ltd a good investment?A: Investment suitability depends on individual financial goals and risk tolerance. Research is essential.
- Q: What are the risks associated with investing in Anjani Finance Ltd?A: Risks include market volatility, company performance, and regulatory changes affecting the finance sector.
- Q: How can I buy shares of Anjani Finance Ltd?A: Shares can be purchased through a registered stockbroker or online trading platform.
- Q: What is the company's financial performance?A: Review recent financial statements and reports for insights into Anjani Finance Ltd's performance.
📊 Stock Investment Checklist (100 Points)
Anjani Finance Ltd • Updated: 2025-09-16 19:29:42
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8BusinessHighThe finance sector is evolving with digital transformation, but Anjani's model lacks a strong competitive moat.
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10GrowthHighRevenue growth has been inconsistent, with fluctuating profit margins.
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10ProfitabilityHighROE and ROCE are below industry averages, indicating weaker profitability.
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9ValuationHighP/E and P/B ratios are higher than peers, suggesting overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity is a concern.
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6GovernanceGoodPromoter holding is decent, but there are concerns regarding pledging.
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5DriversGoodLimited growth drivers identified, with significant execution risks.
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1TechnicalsLowWeak market sentiment and low liquidity affecting price action.
Final Score & Verdict
Score 48 / 100
• Risky
Anjani Finance Ltd shows potential in a growing sector but faces significant challenges in growth consistency, profitability, and valuation, making it a risky investment.
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