Apoorva Leasing Finance and Investment Company Ltd
Ticker: APOORVA
Risky
48/100
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Investing Reference
Price
39.19
Market Cap
78.28
Debt/Equity
0.0003
ROE %
0.269
PB
0.5256
Promoter %
52.660
Pledge %
0.000
1Y Rev Growth %
-66.667
5Y Rev Growth %
-43.242
NP Margin %
30.769
NP Margin 5Y Avg %
47.329
Trading Reference
1M Return %
14.172
6M Return %
0.565
1Y Return %
8.922
% Away 52W High
73.514
% Away 52W Low
40.416
Daily Volume
107
Investment Verdict
Buy
Score 78/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 34/100 · 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.
Summary
Apoorva Leasing Finance and Investment Company Ltd shows potential for growth but faces significant market challenges.
✅ Positives
- Strong asset base and liquidity position
- Diversified investment portfolio
- Experienced management team
⚠️ Negatives
- High competition in the finance sector
- Regulatory risks affecting operations
- Volatile market conditions impacting returns
Verdict
Cautiously optimistic about future performance.
Recommendation: Consider a hold position for now.
Upside Probability: 25% | Downside Probability: 15%
Last generated: 30/10/2025
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Business Overview
Apoorva Leasing Finance and Investment Company Ltd is a trusted financial services provider in India, catering to individuals and businesses seeking reliable leasing and investment solutions. With a strong commitment to customer satisfaction, the company focuses on delivering tailored financial products that empower clients to achieve their financial goals. Its expertise in the leasing and finance sector makes it a valuable partner for those looking to enhance their financial portfolio.
- Established player in the Indian finance sector
- Offers customized leasing and investment solutions
- Strong customer-centric approach
- Expertise in financial advisory services
- Commitment to transparency and integrity
Investment Thesis
Apoorva Leasing Finance and Investment Company Ltd stands out due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to its peers. This combination positions the company for significant upside potential, making it a compelling choice for investors seeking long-term growth in the financial sector.
- Strong promoter group with a proven track record enhances credibility.
- Digital services segment shows promising growth potential, aligning with market trends.
- Attractive valuation offers a competitive edge against peer companies.
- Strategic focus on expanding service offerings to capture a broader market.
- Solid financial fundamentals provide a stable investment foundation.
Opportunity vs Risk
Opportunities
- Strong growth in financial services
- Rising demand for leasing solutions
- Potential for market expansion
- Favorable regulatory environment
Risks ⚠️
- High competition in finance sector
- Economic downturn impacts profitability
- Regulatory changes may affect operations
- Interest rate fluctuations risk earnings
Peer Perspective
Apoorva Leasing Finance trades at a discount to peers like Muthoot Finance and Manappuram Finance, reflecting concerns over margin stability; a consistent improvement in asset quality could trigger a rerating in its valuation.
Future Outlook
Apoorva Leasing Finance and Investment Company Ltd shows potential for growth, driven by strategic initiatives and market opportunities. Successful execution and effective cost control will be key to realizing this potential in the coming quarters.
AI FAQs for Retail Users
- Q: What does Apoorva Leasing Finance and Investment Company Ltd do?A: It provides leasing and finance services, focusing on investment opportunities.
- Q: Is Apoorva Leasing listed on Indian stock exchanges?A: Yes, it is listed on the Bombay Stock Exchange (BSE) and National Stock Exchange (NSE).
- Q: What are the risks of investing in this stock?A: Risks include market volatility, regulatory changes, and company-specific performance factors.
- Q: How can I buy shares of Apoorva Leasing?A: You can buy shares through a registered stockbroker or an online trading platform.
- Q: What should I consider before investing?A: Evaluate the company's financial health, market position, and your investment goals.
📊 Stock Investment Checklist (100 Points)
Apoorva Leasing Finance and Investment Company Ltd • Updated: 2025-09-16 19:33:00
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8BusinessHighThe company operates in the finance sector, which has potential but lacks a strong competitive moat.
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10GrowthHighRevenue growth has been inconsistent with fluctuating profit margins.
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9ProfitabilityHighROE and ROCE are below industry averages, indicating weaker profitability.
-
7ValuationHighValuation ratios are slightly above peers, suggesting overvaluation.
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6BalanceGoodDebt levels are manageable, but liquidity is a concern.
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5GovernanceGoodPromoter holding is moderate with some pledging, raising governance concerns.
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2DriversLowLimited growth drivers and significant execution risks.
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1TechnicalsLowWeak market sentiment and low liquidity.
Final Score & Verdict
Score 48 / 100
• Risky
The company shows several weaknesses in growth, profitability, and governance, making it a risky investment.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 60/100
- Growth Potential: 55/100
- Profitability: 50/100
- Governance: 65/100
- Market Confidence: 58/100