Apna Microfinance Bank Limited (AMBL) financial ratios

Apna Microfinance Bank Limited earned a net margin of -382.0% in FY2025 (Inv. Banks / Inv. Cos. / Securities Cos. median 33.8%).

FY2025 vs the Inv. Banks / Inv. Cos. / Securities Cos. median

Net margin: -382.0%; Sector median 33.8%
Return on assets (ROA): -8.6%; Sector median 6.7%

Median of the 35 companies in the sector with the figure for their latest fiscal year.

AMBL financial ratios (annual) (Rs mn)
Rs mn	FY2025 Jan – Dec 2025	FY2024 Jan – Dec 2024	FY2023 Jan – Dec 2023	FY2022 Jan – Dec 2022	FY2021 * Jan – Dec 2021	FY2020 * Jan – Dec 2020	FY2019 Jan – Dec 2019	FY2018 Jan – Dec 2018	FY2017 Jan – Dec 2017	FY2016 Jan – Dec 2016	FY2015 Jan – Dec 2015	FY2014 Jan – Dec 2014	FY2013 Jan – Dec 2013	FY2012 Jan – Dec 2012
Profitability
Pre-tax margin	(382.0%)	—	—	(615.7%)	—	1.2%	4.9%	6.6%	(20.3%)	(132.0%)	(8.1%)	5.1%	(56.5%)	(138.6%)
Net margin	(382.0%)	—	—	(566.9%)	—	0.6%	3.0%	3.5%	(8.6%)	(88.5%)	(9.8%)	3.6%	(57.8%)	(140.0%)
Effective tax rate	—	—	—	—	—	45.5%	40.1%	47.0%	—	—	—	29.5%	—	—
Returns
Return on equity (ROE)	—	—	—	—	(145.1%)	0.6%	3.2%	4.3%	(9.2%)	(83.5%)	(3.7%)	1.2%	(12.9%)	—
Return on assets (ROA)	(8.6%)	(18.0%)	(19.6%)	(20.7%)	(7.2%)	0.1%	0.3%	0.3%	(0.6%)	(7.7%)	(0.8%)	0.4%	(5.0%)	—
Leverage
Debt to equity	—	—	—	—	173.3%	35.9%	43.3%	0.6%	19.8%	28.8%	0.0%	0.0%	0.0%	0.0%
Debt to capital	—	—	—	—	63.4%	26.4%	30.2%	0.6%	16.5%	22.4%	0.0%	0.0%	0.0%	0.0%
Debt to assets	3.0%	3.7%	3.0%	2.8%	3.2%	2.7%	3.8%	0.1%	1.4%	1.5%	0.0%	0.0%	0.0%	0.0%
Assets to equity	—	—	—	—	20.05×	12.48×	11.69×	12.67×	15.94×	10.91×	4.65×	2.90×	2.58×	—
Dividends
Dividend payout ratio	—	—	—	—	—	0.0%	0.0%	0.0%	—	—	—	0.0%	—	—
Earnings retention rate	—	—	—	—	—	1.00×	1.00×	1.00×	—	—	—	1.00×	—	—

Ratios as reported for each fiscal year; returns are on average equity / assets. Debt ratios are percentages; turnover in times; working-capital measures in days.

AMBL: frequently asked questions

What is AMBL's EPS?

Apna Microfinance Bank Limited reported basic earnings per share of Rs -3.84 for FY2025 (Jan – Dec 2025). Over the trailing twelve months (TTM to Jun 2026) EPS was Rs -3.63.

Does AMBL pay dividends?

Apna Microfinance Bank Limited did not declare a cash dividend for FY2025.

What was AMBL's revenue and profit in FY2025?

Apna Microfinance Bank Limited reported revenue of Rs 431.5 mn and profit attributable to shareholders of -Rs 1.6 bn for FY2025 (Jan – Dec 2025).

What is AMBL's book value per share?

Apna Microfinance Bank Limited's book value per share was Rs -24.50 at the end of FY2025.

Information only, not investment advice.