Current Rating Overview
MarketsMOJO’s 'Hold' rating for Anupam Finserv Ltd indicates a balanced outlook for investors, suggesting that the stock is fairly valued at present and may not offer significant upside or downside in the near term. This rating is based on a comprehensive assessment of four key parameters: Quality, Valuation, Financial Trend, and Technicals. The company’s Mojo Score currently stands at 51.0, reflecting a modest improvement from its previous score of 47 when it was rated 'Sell'.
Quality Assessment
As of 29 December 2025, Anupam Finserv’s quality grade is considered below average. The company exhibits weak long-term fundamental strength, with an average Return on Equity (ROE) of 6.38%. This level of ROE suggests limited efficiency in generating profits from shareholders’ equity compared to industry peers. Furthermore, the operating profit has grown at a modest annual rate of 3.89%, indicating subdued growth momentum over the longer term. These factors contribute to a cautious view on the company’s underlying business quality.
Valuation Perspective
Currently, Anupam Finserv is deemed expensive relative to its fundamentals. The stock trades at a Price to Book Value (P/BV) of approximately 1.9, which is a premium compared to the average historical valuations of its peer group within the Non-Banking Financial Company (NBFC) sector. Despite this premium, the stock has delivered strong returns, with a 1-year return of 40.00% as of 29 December 2025, significantly outperforming the broader market benchmark (BSE500) return of 5.76% over the same period. This elevated valuation reflects investor optimism but also warrants caution given the company’s moderate fundamental quality.
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- - Fundamental Analysis
- - Technical Signals
- - Peer Comparison
Financial Trend and Profitability
The financial grade for Anupam Finserv is positive, reflecting encouraging recent results and improving profitability trends. The latest quarterly results for September 2025 highlight record earnings with PBDIT (Profit Before Depreciation, Interest and Taxes) reaching ₹1.32 crore, PBT (Profit Before Tax) excluding other income at ₹1.19 crore, and PAT (Profit After Tax) at ₹0.90 crore — all the highest recorded to date. These figures demonstrate the company’s ability to enhance operational efficiency and profitability in the short term.
Moreover, the company’s profits have risen by 45% over the past year, outpacing the stock’s 35.68% return during the same period. This divergence suggests that earnings growth is supporting the stock’s price appreciation, although the valuation premium tempers the enthusiasm for further gains without continued financial improvement.
Technical Outlook
From a technical perspective, Anupam Finserv exhibits a bullish trend. The stock has shown strong momentum with a 6-month return of 31.25% and a 3-month return of 42.03%, indicating sustained investor interest and positive price action. The one-day change of +1.73% on 29 December 2025 further underscores short-term buying interest. This technical strength supports the 'Hold' rating by suggesting that while the stock is not a clear buy, it remains well supported by market dynamics.
Shareholding and Market Position
The majority shareholding is held by promoters, which often implies stable ownership and potential alignment with shareholder interests. However, as a microcap company within the NBFC sector, Anupam Finserv faces challenges related to scale and market visibility compared to larger peers. Investors should weigh these factors alongside the company’s financial and technical profile when considering their position.
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What the 'Hold' Rating Means for Investors
For investors, the 'Hold' rating on Anupam Finserv Ltd suggests a cautious stance. The stock is neither an outright buy nor a sell at this juncture. It indicates that the company’s current valuation fairly reflects its financial performance and market position, with limited immediate catalysts for significant price appreciation or decline. Investors already holding the stock may consider maintaining their positions while monitoring upcoming quarterly results and sector developments closely.
New investors might prefer to observe further improvements in the company’s quality metrics or a more attractive valuation before initiating a position. The positive technical momentum and recent profit growth provide some confidence, but the below-average quality and expensive valuation warrant prudence.
Summary
In summary, Anupam Finserv Ltd’s 'Hold' rating as of 18 December 2025, supported by a Mojo Score of 51.0, reflects a balanced view of the company’s prospects. The stock’s current fundamentals as of 29 December 2025 show positive financial trends and strong technical momentum, offset by below-average quality and a premium valuation. This nuanced outlook advises investors to carefully weigh the company’s strengths and weaknesses in the context of their portfolio objectives and risk tolerance.
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