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Aastamangalam Finance Ltd logo

Aastamangalam Finance Ltd

NSE: BSE: 511764

40.25

(5.64)%

Thu, 05 Feb 2026, 10:41 pm

Analysis

dividend

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Pros

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    Cons

    • Unable to evaluate Upasana Finance's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
    • Unable to evaluate Upasana Finance's dividend against the top 25% market benchmark as the company has not reported any payouts.

    health

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    Pros

    • Upasana Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
    • Upasana Finance is profitable, therefore cash runway is not a concern.
    • Upasana Finance is profitable, therefore cash runway is not a concern.
    • Upasana Finance has no debt, it does not need to be covered by operating cash flow.
    • Upasana Finance has no debt, it does not need to be covered by short term assets.
    • Upasana Finance's cash and other short term assets cover its long term commitments.
    • Upasana Finance currently has no debt however we can't compare to 5 years ago as we have no data for that period.
    • Upasana Finance has no debt, therefore coverage of interest payments is not a concern.
    • Upasana Finance has no debt.
    • Low level of unsold assets.
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    Cons

      management

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      Pros

      • Vikash's remuneration is lower than average for companies of similar size in India.
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      Cons

      • The average tenure for the Upasana Finance board of directors is less than 3 years, this suggests a new board.

      misc

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      Pros

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        Cons

        • Upasana Finance is not covered by any analysts.
        • Upasana Finance has significant price volatility in the past 3 months.

        past

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        Pros

        • Upasana Finance used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.
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        Cons

        • Upasana Finance's 1-year earnings growth is negative, it can't be compared to the 5-year average.
        • Upasana Finance's year on year earnings growth rate was negative over the past 5 years and the most recent earnings are below average.
        • Upasana Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
        • Upasana Finance's 1-year earnings growth is negative, it can't be compared to the IN Consumer Finance industry average.

        value

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        Pros

        • BSE:511764 is up 37.9% outperforming the Consumer Finance industry which returned 10.3% over the past month.
        • BSE:511764 is up 37.9% outperforming the market in India which returned 8% over the past month.
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        Cons

        • Upasana Finance is overvalued based on assets compared to the IN Consumer Finance industry average.
        • Upasana Finance is overvalued based on earnings compared to the IN Consumer Finance industry average.
        • Upasana Finance is overvalued based on earnings compared to the India market.
        • 511764 underperformed the Consumer Finance industry which returned -28.8% over the past year.
        • 511764 underperformed the Market in India which returned -14.5% over the past year.

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        Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800