financial_services
Angel One
ANGELONE · Nifty 50
₹348.7
Price 2026-06-17
At a Glance
Fundamental
100/100
STRONG
Trust
90/100
Verification
Coverage
44/100
LIMITED
Quick Take
Angel One scores 100/100 on fundamentals (strong). Angel One: BROAD EXPANSION regime.
Fundamental Score: 100/100 · STRONG · 3 signals detected
DuPont Analysis
ROE 11.5% broken into three drivers. Each shows how efficiently the company generates returns.
ROE of 11.5% is moderate margin-driven and stable. Net margin of 17.9% × asset turnover of 0.16x × leverage of 3.9x. Low asset turnover is normal for banks.
What This Means
Net margin of 17.9% means the company keeps ₹17.9 as profit for every ₹100 of revenue. This is a healthy margin. Asset turnover of 0.16x means the company generates ₹0.16 of revenue for every ₹1 of assets. This is a capital-heavy business. Leverage of 3.9x means the company uses significant debt. Higher leverage amplifies returns but also risk.
Margin Structure
Gross
65.7%
Operating
33.7%
Net
17.9%
Gross margin 65.7% → operating margin 33.7% → net margin 17.9%. Margins are IMPROVING. Strong pricing power with stable gross margins suggests the improvement is from operating leverage — sustainable.
Financial Health
Debt Sustainability
ADEQUATEInterest covered 3.8x — adequate buffer. Debt is manageable. Debt/EBITDA at 5.6x is high — monitor leverage.
Peer Comparison
Angel One is compared against 10 peers in the financial_services sector.
Bank Metrics
Return on Assets
2.94%
Benchmark: >1%
Efficiency Ratio
82.1%
Lower is better
Asset Growth
+41.5%
Year over year
PB Ratio
5.1x
Price to book
ROA of 2.94% is strong (benchmark: >1% for banks). Strong asset utilization. P/B of 5.07x — trading above book. Premium valuation — market pricing in high growth expectations.
Key Watchpoints
Breaks above ₹366 (+5%)
Trend reversal confirmation
Breaks below ₹331 (-5%)
Further downside risk
Financial_Services sector entering leadership
Sector rotation signal
Detected Patterns
Risk Flags
Liquidity squeeze. Company may struggle to meet short-term obligations without refinancing.
OCF is only -5.9x net income. Profit not converting to cash — aggressive accounting possible.
High refinancing risk. Company needs to roll over debt frequently. Vulnerable to credit market freezes.
Working capital is consuming significant cash. Operational efficiency declining.
Profits are from core operations, not one-offs. High quality.
Collection cycle changing. Collection improving — positive for cash flow.
🔴 2 CRITICAL flags — significant concerns. Investigate before investing.
Data Quality
News Correlation
50 articles scanned for fundamental themes