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Laxmi India Finance

LAXMIINDIA
Micro Cap
(%) 1D
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1D1W1M3M6M1YMAX

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Laxmi India Finance Share price and Fundamental Analysis

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Laxmi India Finance Limited was incorporated as Laxmi India Finleasecap Private Limited' at New Delhi, dated May 10, 1996, issued by the Registrar of Companies, Delhi and Haryana. Subsequently, Company name was changed to Laxmi India Finance Private Limited and a fresh Certificate of Incorporation dated March 10, 2023 was issued by the Registrar of Companies, Rajasthan at Jaipur. Thereafter, the status of the Company got converted into a Public Limited Company and the name of the Company was changed to Laxmi India Finance Limited' dated October 08, 2024 at Jaipur.
Company Incorporation1996
ChairmanNA
Head QuartersNA
Previous NameLaxmi India Finance Pvt Ltd

Key Metrics

Market Cap (Cr)
773.83
PE Ratio
21.49
Industry P/E
22.43
PEG Ratio
0
ROE
13.96%
ROCE
11.6%
ROA
2.55%
Total Debt (Cr)
Debt to Equity
Dividend Yield
0%
EPS
6.89
Book Value & P/B
80.94 x 1.83
Face Value
5
Outstanding Shares(Cr)
5.23
Current Ratio
EV to Sales
6.9

Included In

+More

Stock Returns

1 Week+10.82%
1 Month+10.82%
6 Months+10.82%
1 Year+10.82%
3 Years+10.82%
5 Years+10.82%
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Corporate Action

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Total Expenses

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Operating Profit

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Profit after tax

Adj EPS in Rs - Basic

Adj EPS in Rs - Diluted

Profit and Loss Statement

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Director Report
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Auditor Report
Aug 25

Promoters : 60.45%

FIIs : 8.72%

DIIs : 0.00%

Public : 30.83%

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DII
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ROCE

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ROA

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NPM

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Dividend History

Laxmi India Finance Competitors

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Laxmi India Finance Management and History

Company Management

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Company History

Laxmi India Finance Limited was incorporated as Laxmi India Finleasecap Private Limited' at New Delhi, dated May 10, 1996, issued by the Registrar of Companies, Delhi and Haryana. Subsequently, Company name was changed to Laxmi India Finance Private Limited and a fresh Certificate of Incorporation dated March 10, 2023 was issued by the Registrar of Companies, Rajasthan at Jaipur. Thereafter, the status of the Company got converted into a Public Limited Company and the name of the Company was changed to Laxmi India Finance Limited' dated October 08, 2024 at Jaipur.

Laxmi India Finance is a non-deposit taking non-banking financial company categorized as a NBFC-Middle Layer' primarily operating in Micro, Small and Medium Enterprises (MSME) financing vertical and vehicle financing vertical. It offer MSME loans, vehicle loans, construction loans and other lending products to the financial needs of the customers. MSME lending fuels economic growth and promotes financial inclusion by supporting small businesses and entrepreneurs, with over 80% of the MSME loans qualifying as Priority Sector Lending under RBI guidelines.

Building on a legacy that began in early 1990s with Deepak Finance & Leasing Company, a proprietorship concern founded by the Promoter's father (DFL), Promoter acquired the shares and control of the Company in 2010. Subsequently, in 2011, Company consolidated the business by acquiring and integrating the business and operations of DFL and launched a loan product in Micro Small and Medium Enterprises (MSMEs). It further launched loan product in construction in 2017; thereafter, opened a branch in Gujarat in year 2019; in Madhya Pradesh in 2020. Now, the Company has been categorized as NBFC-Middle Layer in 2024.

The AUM has increased from Rs 5,316.02 million as of March 31, 2022 to Rs 10,355.35 million as of June 30, 2024, with its MSME and vehicle loan verticals contributing 75.49% and 17.46%, respectively. As on September 30, 2024, Company conduct its operations through 139 branches located in rural, semi-urban and urban areas in the states of Rajasthan, Gujarat, Madhya Pradesh and Chhattisgarh.

The Company is planning an Initial Public Offer aggregating upto 16,092,195 Equity Shares of face value of Rs 5 each comprising a fresh issue of 10,453,575 Equity Shares and 5,638,620 Equity Shares through offer for sale.

Laxmi India Finance Share Price

Laxmi India Finance share price reflects investor sentiment toward the company and is impacted by various factors such as financial performance, market trends, and economic conditions. Share price is an indicator which shows the current value of the company's shares at which buyers or sellers can transact.

Laxmi India Finance Market Cap

Market capitalization of Laxmi India Finance indicates the total value of its outstanding shares. Marketcap is calculated by multiplying share price and outstanding shares of the company. It is a helpful metric for assessing the company's size and market Valuation. It also helps investors understand how Laxmi India Finance is valued compared to its competitors.

Laxmi India Finance PE Ratio

Laxmi India Finance PE ratio helps investors understand what is the market value of each stock compared to Laxmi India Finance 's earnings. A PE ratio higher than the average industry PE could indicate an overvaluation of the stock, whereas a lower PE compared to the average industry PE could indicate an undervaluation.

Laxmi India Finance PEG Ratio

The PEG ratio of Laxmi India Finance evaluates its PE ratio in relation to its growth rate. A PEG ratio of 1 indicates a fair value, a PEG ratio of less than 1 indicates undervaluation, and a PEG ratio of more than 1 indicates overvaluation.

Laxmi India Finance ROE (Return on Equity)

Return on Equity (ROE) measures how effectively Laxmi India Finance generates profit from shareholders' equity. A higher ROE of more than 20% indicates better financial performance in terms of profitability.

Laxmi India Finance ROCE (Return on Capital Employed)

Return on Capital Employed (ROCE) evaluates the profitability of Laxmi India Finance in relation to its capital employed. In simple terms, ROCE provides insight to investors as to how well the company is utilizing the capital deployed. A high ROCE of more than 20% shows that the business is making profitable use of its capital.

Laxmi India Finance Total Debt

Total debt of Laxmi India Finance shows how much the company owes to either banks or individual creditors. In simple terms, this is the amount the company has to repay. Total debt can be a very useful metric to show the financial health of the company. Total debt more than equity is considered to be a bad sign.

Laxmi India Finance Debt to Equity Ratio

The Debt-to-Equity (DE) ratio of Laxmi India Finance compares its total debt to shareholders' equity. A higher Debt to Equity ratio could indicate higher financial risk, while a lower ratio suggests that the company is managing its debt efficiently.

Laxmi India Finance CAGR (Compound Annual Growth Rate)

CAGR shows the consistent growth rate of Laxmi India Finance over a specific period, whether it is over a month, a year, or 10 years. It is a key metric to evaluate the company’s long-term growth potential. Main metrics for which CAGR is calculated are net sales, net profit, operating profit, and stock returns.

Laxmi India Finance Technical Analysis

Technical analysis of Laxmi India Finance helps investors get an insight into when they can enter or exit the stock. Key components of Laxmi India Finance Technical Analysis include:

Support Levels (S1, S2, S3)

There are usually multiple support levels, but the main support levels for a stock are S1, S2, S3. Support levels indicate price points where stock might get support from buyers, helping the stock stop falling and rise.

Resistance Levels (R1, R2, R3)

There are usually multiple resistance levels, but the main resistance levels for a stock are R1, R2, R3. Resistance levels represent price points where Laxmi India Finance shares often struggle to rise above due to selling pressure.

Laxmi India Finance Dividends

Dividends refer to the portion of the company’s profits distributed to its shareholders. Dividends are typically paid out in cash and reflect Laxmi India Finance ’s financial health and profitability.

Laxmi India Finance Bonus Shares

Bonus shares are usually given by companies to make the stock more affordable, increase liquidity, boost investor confidence, and more.

Laxmi India Finance Stock Split

Stock split increases the number of its outstanding shares by dividing each existing share into multiple shares. When the company offers a stock split, the face value of the stock reduces in the same proportion as the split ratio.

Laxmi India Finance Financials

The financials of Laxmi India Finance provide a complete view to investors about its net sales, net profit, operating profits, expenses, and overall financial health. Investors can analyze financial data to assess the company’s stability and also understand how the company has been growing financially.

Laxmi India Finance Profit and Loss Statements

The profit and loss statement of Laxmi India Finance highlights its net sales, net profit, total expenditure, and operating profits in the current financial year. This Profit and Loss statement is crucial for evaluating the profitability and financial stability of Laxmi India Finance .

Laxmi India Finance Balance Sheet

The balance sheet presents a snapshot of Laxmi India Finance ’s assets, liabilities, and equity of shareholders, providing insights into the financials of the company.

Laxmi India Finance Cashflow Statements

Cashflow statements track the company's cash inflows and outflows over a period. It is an essential tool for understanding how well the company manages its liquidity and finances.

Laxmi India Finance Net Interest Margin (NIM)

Laxmi India Finance Net Interest Margin (NIM) tells about the profitability earned by all NBFCs and financial institutions. It represents the income generated by the bank from the difference between the interest earned on loans and the interest paid on public deposits. Net Interest Margin (NIM) is a metric that monitors the profitability generated from a bank's lending activities.

Laxmi India Finance Non-Performing Assets (NPA) Ratio

Non-Performing Assets (NPA) indicate the ratio of a bank's loans that are classified as non-performing. A lower NPA ratio reflects stronger asset quality and more effective risk management.

Laxmi India Finance Capital Adequacy Ratio (CAR)

Capital Adequacy Ratio (CAR) is a metric to measure the bank's ability to absorb losses and still remain financially stable. A higher CAR shows that the bank is financially sound and can absorb potential losses.

Laxmi India Finance Gross NPA

Gross NPA is the percentage of total non-performing loans before provisioning, while net NPA is the percentage after provisioning. Lower gross and net NPA ratios indicate better loan quality.

Laxmi India Finance Net NPA Ratio

Net NPA is the actual losses a bank has incurred due to NPA accounts. Lower the NPA, better the banks can maintain stable income from interest on loans.

Laxmi India Finance CASA Ratio

CASA ratio tells how much of a bank's total deposits are in both current and savings accounts.