A G Universal Financials

NSE: AGUL

₹48.15

₹2.25 (4.90%)

As on 07-Sep-2026IST

Market cap

₹26 Cr

Revenue (TTM)

₹61 Cr

P/E Ratio

318.1

P/B Ratio

1.4

Div. Yield

0 %

Annual
Quarterly

Income Statement (₹ Cr)	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17	Mar-16	Mar-15
Operating Revenue	61.23	78.37	59.33	70.46	38.44	19.95
Total Income	62.14	78.96	60.91	70.74	38.64	20.08
Total Expenditure	57.16	73.56	58.09	69.03	37.57	19.21
EBITDA	4.07	4.81	1.24	1.43	0.87	0.74
Depreciation	1.45	1.31	0.32	0.07	0.05	0.05
EBIT	2.62	3.50	0.92	1.36	0.82	0.69
Interest	1.69	1.52	1.03	0.73	0.82	0.75
Other Income	0.91	0.58	1.58	0.28	0.20	0.13
Exceptional Items	--	--	--	0.06	--	--
Profit before Tax	1.84	2.56	1.47	0.97	0.20	0.07
Provision for Tax	0.48	0.64	0.31	0.26	0.05	0.02
Profit after Tax	1.36	1.92	1.16	0.71	0.15	0.05

Liabilities (₹ Cr)	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17	Mar-16	Mar-15
Shareholder's Funds	18.78	17.42	6.78	2.62	1.91	1.76
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	12.44	12.43	13.35	5.21	5.75	4.08
Current Liabilities	18.84	18.12	24.02	10.59	6.55	9.26
Total Liabilities	50.28	48.15	44.25	18.56	14.35	15.24

Assets (₹ Cr)	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17	Mar-16	Mar-15
Non-Current Assets	17.50	18.32	15.03	5.63	5.25	4.47
Current Assets	32.56	29.66	29.12	12.78	8.97	10.63
Total Assets	50.28	48.15	44.25	18.56	14.35	15.24
Total Debt*	20.57	15.47	16.67	9.43	9.45	7.84
Net Current Assets	13.72	11.53	5.11	2.19	2.41	1.37
Contingent Liabilities	2.52	1.82	1.82	--	--	--

Cashflow (₹ Cr)	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17	Mar-16	Mar-15
Cash From Operating Activities	-3.63	-2.30	-1.53	1.96	1.85	1.97
Cash Flow from Investing Activities	0.00	-4.44	-8.50	-0.39	-3.60	-1.49
Cash from Financing Activities	3.63	6.72	9.58	-1.11	0.78	0.50
Net Cash Inflow / Outflow	0.01	-0.02	-0.45	0.46	-0.97	0.97

Financials Ratios	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17	Mar-16	Mar-15
Adjusted EPS (₹)	2.48	3.50	2.88	2.07	0.43	0.14
Cash EPS (₹)	5.12	5.89	3.68	2.26	0.58	0.29
Adjusted Book Value (₹)	34.24	31.77	16.82	7.63	5.56	5.13
Dividend per Share (₹)	--	--	--	--	--	--
Cash Flow per Share (₹)	-6.62	-4.20	-3.80	11.42	75.64	80.21
Free Cash Flow per Share (₹)	-14.68	-8.28	-23.37	6.61	-123.42	-7.94

Profitability Ratios	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17	Mar-16	Mar-15
ROCE (%)	9.77	14.50	14.10	14.53	9.74	8.49
ROE (%)	7.50	15.87	24.73	31.34	8.00	2.81
ROA (%)	2.77	4.17	3.71	4.35	1.00	0.33
EBIT Margin (%)	4.27	4.47	1.55	1.93	2.13	3.44
Net Margin (%)	2.18	2.43	1.91	1.00	0.38	0.25
Cash Profit Margin (%)	4.59	4.12	2.50	1.10	0.52	0.51

Growth Ratios	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17	Mar-16	Mar-15
Revenue Growth (%)	-21.87	32.09	-15.80	83.29	92.67	--
EBIT Growth (%)	-25.31	280.02	-32.20	65.77	19.55	--
Net Profit Growth (%)	-29.29	65.31	63.82	383.42	196.52	--
EPS Growth (%)	-29.29	21.48	39.43	383.42	196.52	--
Book Value Growth (%)	7.79	157.05	159.07	37.17	8.33	--

Valuation Ratios	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17	Mar-16	Mar-15
Price / Earnings	15.76	15.53	--	--	--	--
Price / Book Value	1.14	1.71	--	--	--	--
Dividend Yield (%)	--	--	--	--	--	--
EV/EBITDA	8.41	8.38	7.30	6.22	8.96	8.13
Close Price (₹)	39.00	54.35	--	--	--	--
High Price (₹)	71.10	119.95	--	--	--	--
Low Price (₹)	38.95	32.50	--	--	--	--
Market Cap (₹ Cr)	21.39	29.81	--	--	--	--

Solvency Ratios	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17	Mar-16	Mar-15
Debt to Equity	1.10	0.89	2.46	3.60	4.95	4.45
Short term debt to equity ratio	0.34	0.11	0.36	1.47	1.85	1.87
Current Ratio	1.73	1.64	1.21	1.21	1.37	1.15
Quick Ratio	0.67	0.82	0.86	1.10	1.25	1.12
Interest Coverage	2.09	2.68	2.42	2.33	1.24	1.09

Operating Efficiency Ratios	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17	Mar-16	Mar-15
Debtors to sales (%)	12.33	12.36	19.91	6.66	8.65	31.70
Asset Turnover	1.25	1.70	1.90	4.32	2.62	1.32
Receivable days	51.37	50.06	50.77	20.77	45.82	115.72
Inventory Days	103.97	54.43	29.68	4.92	4.91	4.92
Payable days	74.61	74.31	66.10	13.49	24.65	87.18
Cash Conversion Cycle	80.72	30.18	14.36	12.20	26.08	33.46