Is Navi Finserv Ltd debt-free?

No, Navi Finserv Ltd is not debt-free with a debt-to-equity ratio of 2.32.

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Navi Finserv Ltd

Navi Finserv Ltd Financials

Navi Finserv Ltd Financial Statement

Navi Finserv Ltd Income Statement

Quarterly

Annual

*All values are in Rs. Cr

Particulars	Jun 2025	Mar 2025	Dec 2024
Revenue	507.68	516.64	576.30
Operating Expense	214.13	273.62	281.12
Net Profit	58.87	30.33	62.04
Net Profit Margin	11.60	5.87	10.77
Earning Per Share	1.96	1.01	2.07
EBIDTA	299.86	247.73	313.27
Effective Tax Rate	9.42	10.44	12.58

Particulars	Jun 2025
Revenue	507.68
Operating Expense	214.13
Net Profit	58.87
Net Profit Margin	11.60
Earning Per Share	1.96
EBIDTA	299.86
Effective Tax Rate	9.42

Navi Finserv Ltd Profit & Loss

*All values are in Rs. Cr

Standalone

Consolidated

Particulars	Mar 2025	Mar 2024	Mar 2023
Total Revenue Annual	2,271.15	1,906.23	1,283.02
Operating Expenses Annual	1,971.22	1,721.21	1,171.04
Operating Profit Annual	1,115.51	1,550.76	632.66
Interest Annual	796.82	657.73	426.65
Depreciation	17.66	29.22	8.10
Net Profit Annual	221.97	668.82	171.99
Tax Annual	79.07	194.98	25.92

Particulars	Mar 2025
Total Revenue Annual	2,271.15
Operating Expenses Annual	1,971.22
Operating Profit Annual	1,115.51
Interest Annual	796.82
Depreciation	17.66
Net Profit Annual	221.97
Tax Annual	79.07

Navi Finserv Ltd Cash Flow

*All values are in Rs. Cr

Standalone

Consolidated

Particulars	Mar 2025	Mar 2024	Mar 2023
Cash Flow at the Beginning	359.71	309.26	374.49
Cash Flow from Operations	-596.55	-1,807.86	-3,828.69
Cash Flow from Investing	0.52	1,139.53	-44.80
Cash Flow from Financing	684.99	718.78	3,808.26
Cash Flow at the End	448.66	359.71	309.26

Particulars	Mar 2025
Cash Flow at the Beginning	359.71
Cash Flow from Operations	-596.55
Cash Flow from Investing	0.52
Cash Flow from Financing	684.99
Cash Flow at the End	448.66

Navi Finserv Ltd Key Ratios

*All values are in Rs. Cr

Standalone

Consolidated

Particulars	Mar 2025	Mar 2024	Mar 2023
PBDIT Margin (%)	48.71	59.32	45.94
PBIT Margin (%)	47.94	58.20	45.35
PBT Margin (%)	47.88	58.11	45.24
Net PROFIT Margin (%)	9.69	25.58	12.49
Return On Networth / Equity (%)	7.28	25.71	9.96
Return On Networth /Employed (%)	10.95	17.22	10.29
Return On Assets (%)	2.23	5.63	2.62
Total Debt / Equity (X)	2.29	2.40	2.51
Asset Turnover Ratio (%)	0.23	0.22	0.21

Particulars	Mar 2025
PBDIT Margin (%)	48.71
PBIT Margin (%)	47.94
PBT Margin (%)	47.88
Net PROFIT Margin (%)	9.69
Return On Networth / Equity (%)	7.28
Return On Networth /Employed (%)	10.95
Return On Assets (%)	2.23
Total Debt / Equity (X)	2.29
Asset Turnover Ratio (%)	0.23

Navi Finserv Ltd Balance Sheet

*All values are in Rs. Cr

Standalone

Consolidated

Particulars	Mar 2025	Mar 2024	Mar 2023
Fixed Assets Annual	105.08	180.97	88.27
Total Current Assets Annual	2,713.61	1,839.47	1,002.84
Non Current Assets Annual	8,188.92	8,280.49	7,520.03
Total Shareholders Funds Annual	3,162.69	2,933.64	2,269.86
Total Assets Annual	10,902.53	10,119.96	8,522.87

Particulars	Mar 2025
Fixed Assets Annual	105.08
Total Current Assets Annual	2,713.61
Non Current Assets Annual	8,188.92
Total Shareholders Funds Annual	3,162.69
Total Assets Annual	10,902.53

Navi Finserv Ltd Earning Calls

EPS (INR)

Expected

1.40

Reported

1.33

Surprise

-5.00%

Dec 2023

EPS beaten by -5.00%

Mar 2023

EPS beaten by -5.05%

Dividend Pages

PE Ratio

FAQS on Navi Finserv Ltd Financials

As of Oct 24, 2025, Navi Finserv Ltd has a market capitalization of - Cr. Value Research classifies it as a Micro-Cap company.

Yes, Navi Finserv Ltd is not with a debt-to-equity ratio of 2.32.

In FY 2024 , Navi Finserv Ltd recorded a total revenue of approximately 2,271.15 Cr marking a significant milestone in the company's financial performance.

Navi Finserv Ltd's Future outlook anticipates robust growth, with forecasted earnings and revenue rising approximately NaN% and 0.3% annually, respectively..

Navi Finserv Ltd's current PE ratio is .

Navi Finserv Ltd's ROCE averaged 11.3% from the FY ending March 2023 to 2025, with a median of 10.4%. It peaked at 15.9% in March 2024, reflecting strong capital efficiency over the period..

Navi Finserv Ltd's latest EBIT is Rs. 1,097.85 Cr, surpassing the average EBIT of Rs. 1,081.31 Cr over the 5 years..