Authum Investment & Infrastructure Ltd.
NSE: AIILAuthum Investment & Infrastructure Ltd.: A 30-second snapshot
Authum Investment & Infrastructure (AIIL), classified under Banking, trades at ₹505.50 — above its 50-DMA (₹465.96) but 8.0% below the 200-DMA (₹549.07). The stock is up 44.98% over 12 months, though 3-month momentum has slowed to +1.54%. PE of 11.82 is the lowest among 6 tracked peers, while a debt-to-equity of 20.29 and rising debt trend remain the dominant financial risk factors.
P/E
11.8
Forward P/E
—
ROE
—
Debt / Equity
20.29
Profit Margin
+110.1%
Div. Yield
+0.0%
5Y ROE > 15%
4/5
5Y FCF > 0
4/5
Quality
48/100
News
6 headlines · 1 positive · 1 negative
Authum Investment Misses Large Corporate Tag: Rating Falls Short of ₹415 Cr Borrowing Rule - Whalesbook
Whalesbook
Authum Investment Confirms Large Corporate Status Update - InvestyWise
InvestyWise
NITCO Limited Shareholders Approve Material Related Party Transaction with Authum Investment & Infrastructure Limited via Postal Ballot - scanx.trade
scanx.trade
NCLT Mumbai Bench Reserves Order on Resolution Plan for Vas Infrastructure Limited - scanx.trade
scanx.trade
VAS Infrastructure Limited NCLT to Consider Resolution Plan on April 21, 2026 - scanx.trade
scanx.trade
Recent context
- ·A news report (April 28) flagged that AIIL missed the Large Corporate designation under the ₹415 Cr borrowing rule, which was subsequently confirmed in a separate disclosure — the designation affects borrowing classification and potential rating triggers.
- ·NITCO Limited shareholders approved a material related-party transaction involving AIIL (May 4), adding to the governance transparency items investors may want to track.
- ·An NCLT Mumbai bench has reserved its order on a resolution plan for VAS Infrastructure Limited, in which AIIL appears as a party — the outcome could affect AIIL's balance sheet exposure to stressed assets.
Strengths
- +PE of 11.82 is ranked 1st (lowest) among 6 tracked banking-sector peers, which include Axis Bank (14.74), HDFC Bank (17.14), Bajaj Finserv (28.29), and Bajaj Finance (29.88).
- +FCF was positive in 4 of the tracked years and ROE exceeded 15% in 4 of the tracked years, reflecting pockets of historical capital generation despite the broader earnings decline.
- +Consistency score of 83 out of 100 indicates that the financial data series shows relatively stable reporting patterns across the available history.
- +12-month price return of +44.98% has outpaced the broader market over that window, with the stock currently above its 50-DMA (₹465.96).
Weaknesses
- −Debt-to-equity of 20.29 is elevated by any sector standard and the debt trend is rising — this amplifies downside exposure if the investment portfolio experiences valuation compression.
- −5-year revenue growth of -42.1% and 5-year earnings growth of -70.1% indicate the core operational earnings base has contracted materially over the medium term.
- −Reported profit margin of 110.11% exceeds revenue, a statistical signal that bottom-line results are dominated by non-operating investment gains or mark-to-market revaluations rather than recurring operational income.
- −Quality score of 38 ranks 4th out of 6 tracked peers, below Axis Bank (53), Bajaj Finance (53), and HDFC Bank (47), reflecting the combined weight of the D/E level and earnings quality concerns.
Open questions
- ?Given that 5-year earnings growth is -70.1% while FCF was positive in 4 of the tracked years, how much of the historical capital generation reflects investment income versus recurring operational cash flows — and how durable is that income in a lower-return environment?
- ?With a debt-to-equity of 20.29 and a rising debt trend, what is the composition of the liability side — does it consist of market-borrowings, debentures, or bank lines — and how sensitive is the portfolio to interest rate or credit spread movements?
- ?The Large Corporate designation miss relates to a borrowing threshold; does AIIL's growth plan require crossing that threshold, and what does the trajectory of net borrowings over the next 1-2 years look like?
- ?The NCLT VAS Infrastructure resolution plan and the NITCO related-party transaction both represent balance-sheet-adjacent events — what is the aggregate disclosed exposure, and how are these items provisioned in the most recent financial statements?
Peer comparison: Banking
Ranks 4 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| AIIL | Authum Investment & Infrastructure Ltd.You're viewing | 11.8 | — | 38 |
| Industry avg | across 5 peers | 31.7 | +14.2% | 39 |
| AXISBANK | Axis Bank Ltd. | 14.7 | +13.2% | 53 |
| BAJFINANCE | Bajaj Finance Ltd. | 29.9 | +17.9% | 53 |
| HDFCBANK | HDFC Bank Ltd. | 17.1 | +13.8% | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 28.3 | +14.6% | 23 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 68.5 | +11.3% | 20 |
Technical state
Current price
₹505.50
SMA 50
₹465.96
SMA 200
₹549.07
RSI (14)
58.6 (neutral)
From 52w high
-26.0%
1Y return
+45.0%
3M return
+1.5%
50-DMA
Above
200-DMA
Below
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- highDebt-to-equity of 20.29 is substantially above the banking sector median; the debt trend is rising, which amplifies mark-to-market sensitivity in the investment portfolio.
- high5-year revenue growth of -42.1% and 5-year earnings growth of -70.1% reflect sustained multi-year contraction in the operational earnings base.
- mediumReported profit margin of 110.11% exceeds revenue, indicating bottom-line results are dominated by non-operating gains (investment revaluations or treasury income) rather than recurring operational income — a fragile earnings quality signal.
- mediumCurrent price of ₹505.50 is 8.0% below the 200-DMA of ₹549.07, and 3-month price change is +1.54%, indicating the 1-year gain of +44.98% was concentrated in an earlier period with momentum stalling near current levels.
- mediumHeadline flagging failure to meet the Large Corporate tag (₹415 Cr borrowing rule) signals a potential rating-related constraint on future borrowing capacity.
- lowNo analyst consensus data available (rating and count both null); news sample is sparse at 6 articles, limiting third-party signal visibility.
Cross-section contradictions
- 5-year earnings growth of -70.1% and revenue growth of -42.1% contrast with a reported profit margin of 110.11% — the gap implies bottom-line results are driven by non-recurring investment gains rather than operational performance, making earnings quality difficult to assess on standard metrics.
- Stock price is up 44.98% over 12 months yet sits 8.0% below the 200-DMA with only +1.54% change over 3 months, suggesting the annual gain was front-loaded and the medium-term price trend has since turned negative.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 25 Jun 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 15 May 2026 · rotates through NIFTY 500 every ~5 days