Edelweiss Financial Services Limited (EDELWEISS) AI Stock Analysis

• Market Cap: ₹102.60B
• Dividend Yield: 1.37%
• Average Volume (3M): 419.47K
• Price to Earnings (P/E): 9.4
• Beta (1Y): 1.37
• Revenue Growth: -19.77%
• EPS Growth: -11.03%
• Country: IN
• Employees: 6,000
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Capital Markets
• EPS (TTM): 2.79
• Shares Outstanding: 946,478,640
• 10 Day Avg. Volume: 193,712
• 30 Day Avg. Volume: 419,474
• PEG Ratio: -2.42
• Price to Book (P/B): 1.40
• Price to Sales (P/S): 0.75
• P/FCF Ratio: 3.27
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 55 Neutral
• Price Target: ₹107.00 ▲(0.23% Upside)
• Action: Reiterated Date: 10/21/25
• Date: Action: Reiterated 10/21/25

The overall stock score reflects strong cash flow management and positive technical indicators, but is constrained by high leverage and moderate valuation. The lack of earnings call data and corporate events limits further insights.

Positive Factors

Diversified business model

A multi-line financial-services franchise — lending, asset & wealth management, and capital markets — creates diversified fee and interest revenue. Structural diversification reduces single-market cyclicality, enables cross-selling, and stabilizes cash flows over the medium term.

Strong operating cash generation

Reliable operating cash flow relative to reported earnings shows the business converts core activity into cash. Durable cash generation supports loan funding, working capital, and selective growth or deleveraging without sole reliance on external financing, boosting resilience.

Efficient cost base and improving ROE

A strong gross margin combined with improving ROE points to effective cost and capital allocation. If revenue stability improves, these structural efficiencies support sustainable margin expansion and stronger shareholder returns over the coming quarters.

Negative Factors

High leverage

Elevated debt-to-equity raises refinancing, interest-rate, and regulatory capital risks. Significant leverage constrains strategic flexibility, amplifies earnings volatility from credit shocks, and can force defensive capital actions that erode long-term growth optionality.

Volatile revenue growth

Inconsistent and recently declining revenue undermines predictability of fee and interest income. Persistent volatility hampers AUM expansion, reduces scale benefits in asset management, and complicates multi-quarter planning for margin improvement and capital allocation.

Inconsistent free cash flow and modest net margins

Inconsistent FCF growth and only modest net margins limit internal funding for debt reduction and strategic investments. This raises reliance on external financing for expansion or volatility buffers, increasing funding risk and constraining sustained deleveraging efforts.

Edelweiss Financial Services Limited Business Overview & Revenue Model

Company Description

Edelweiss Financial Services Limited provides financial products and services to corporates, individuals, and institutions in India. The company offers retail credit products, such as home loans, small and medium-sized enterprise and business loans, loans against shares, and agricultural and rural finance; corporate credit products, including structured collateralized credit and wholesale mortgage; and distressed credit. It also provides personal and private wealth management, investment banking, institutional equities services, and investment management; asset management products and services comprising mutual funds and alternate asset advisory services; and asset reconstruction services. In addition, the company offers life and general insurance products. It operates through a network of 300 offices. Edelweiss Financial Services Limited was formerly known as Edelweiss Capital Limited and changed its name to Edelweiss Financial Services Limited in August 2011. The company was incorporated in 1995 and is headquartered in Mumbai, India.

How the Company Makes Money

Edelweiss generates revenue through several key streams. Primarily, it earns income from fees and commissions associated with asset management and wealth management services, where clients are charged a percentage of assets under management (AUM). Additionally, the company generates revenue from premium collections in its insurance segment, which includes both life and non-life insurance products. The investment banking division contributes through advisory fees, underwriting fees, and commissions from capital market transactions. Furthermore, EDELWEISS benefits from proprietary trading and investment activities, which can yield returns on investments in various financial instruments. Strategic partnerships with financial institutions and technology firms may also enhance their service offerings and drive growth in their revenue streams.

Edelweiss Financial Services Limited Financial Statement Overview

Summary

Edelweiss Financial Services Limited demonstrates strong cash flow management and cost efficiency, but faces challenges with revenue growth and high leverage. The company needs to focus on improving profitability and reducing debt to enhance financial stability.

Income Statement

Edelweiss Financial Services Limited has shown fluctuating revenue growth with a recent decline. The gross profit margin is strong, indicating efficient cost management, but the net profit margin is modest. EBIT and EBITDA margins are not consistently reported, which limits the analysis of operational efficiency.

Balance Sheet

The company has a high debt-to-equity ratio, indicating significant leverage, which poses a risk if not managed properly. Return on equity is improving but remains moderate. The equity ratio suggests a stable capital structure, but the high leverage could impact financial stability.

Cash Flow

Operating cash flow is strong relative to net income, indicating good cash generation. Free cash flow growth has been inconsistent, but the ratio of free cash flow to net income is healthy, suggesting efficient cash management despite revenue fluctuations.

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	73.45B	82.02B	84.16B	74.20B	68.07B	83.67B
Gross Profit	48.40B	56.65B	56.29B	48.45B	38.22B	45.33B
EBITDA	5.91B	9.49B	5.64B	5.23B	3.79B	4.06B
Net Income	4.25B	3.99B	4.21B	3.44B	1.89B	2.65B
Balance Sheet
Total Assets	421.77B	416.23B	429.20B	440.64B	432.80B	463.50B
Cash, Cash Equivalents and Short-Term Investments	31.80B	49.38B	33.31B	27.46B	20.24B	39.41B
Total Debt	194.59B	180.04B	203.56B	217.34B	227.64B	284.25B
Total Liabilities	365.40B	357.04B	368.70B	362.18B	356.87B	386.73B
Stockholders Equity	44.18B	44.25B	47.62B	67.44B	65.37B	65.77B
Cash Flow
Free Cash Flow	-7.53B	18.86B	28.06B	16.38B	54.89B	33.89B
Operating Cash Flow	-7.03B	20.52B	28.94B	17.20B	55.92B	34.58B
Investing Cash Flow	-15.48B	37.26B	-4.82B	7.46B	-10.58B	40.85B
Financing Cash Flow	518.20M	-34.28B	-27.85B	-17.08B	-64.44B	-85.87B

Edelweiss Financial Services Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 106.75
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:EDELWEISS, the sentiment is Negative. The current price of 106.75 is below the 20-day moving average (MA) of 114.74, below the 50-day MA of 111.65, and below the 200-day MA of 109.67, indicating a bearish trend. The MACD of -1.88 indicates Positive momentum. The RSI at 40.75 is Neutral, neither overbought nor oversold. The STOCH value of 33.41 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:EDELWEISS.

Edelweiss Financial Services Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ANANDRATHI	73 Outperform	₹254.50B	64.47	―	0.43%	22.46%	30.82%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
JMFINANCIL	66 Neutral	₹114.57B	11.48	―	2.93%	-10.92%	152.70%
IIFL	64 Neutral	₹200.63B	13.98	―	―	8.01%	-20.87%
RELIGARE	62 Neutral	₹74.90B	-45.03	―	―	8.35%	-50.99%
EDELWEISS	55 Neutral	₹102.60B	9.45	―	1.37%	-19.77%	-11.03%
INDIASHLTR	55 Neutral	₹75.63B	17.57	―	0.60%	35.30%	41.06%

Edelweiss Financial Services Limited Corporate Events

Edelweiss to Raise Up to ₹3,500 Million via Secured NCD Public Issue

Edelweiss Financial Services Limited has launched a public issue of secured redeemable non-convertible debentures with a base size of ₹1,750 million and a green shoe option of ₹1,750 million, aggregating up to ₹3,500 million. The offer, open from March 2 to March 16, 2026, consists of 10 fixed-coupon series across tenures of 24, 36, 60 and 120 months, offering effective annual yields ranging from 8.64% to 10.01% and will be traded only in dematerialised form on BSE.

At least 75% of the proceeds are earmarked for repayment or prepayment of existing borrowings, with the balance for general corporate purposes within regulatory limits, signalling a focus on balance-sheet strengthening and funding flexibility. Rated Crisil A+/Stable, the NCDs aim to attract yield-seeking investors while potentially lowering Edelweiss’s funding costs and diversifying its liability profile, with allotment to be made based on application upload date and proportionate allocation in case of oversubscription.

Edelweiss Clears ₹3,500 Million Public NCD Issue With CRISIL A+ Rating

Edelweiss Financial Services has approved a public issue of up to 3.5 million secured, redeemable non-convertible debentures with a face value of ₹1,000 each, targeting a total fundraising of ₹3,500 million through a base issue of ₹1,750 million and an equal green shoe option. The NCDs, to be issued between March 2 and March 16, 2026, carry a CRISIL A+/Stable rating, indicating an adequate degree of safety and low credit risk, and the move underscores Edelweiss’s continued reliance on capital market debt to support its funding needs and balance sheet, with implications for investors seeking relatively lower-risk fixed-income instruments in India’s NBFC sector.

Edelweiss Schedules Earnings Call on Q3 and Nine-Month FY26 Results

Edelweiss Financial Services Limited has announced that it will host an earnings call to discuss its financial results for the third quarter and nine-month period ended December 31, 2025. The call is scheduled for Tuesday, February 10, 2026 at 4:00 p.m. IST and will include a brief discussion of the Q3 FY26 results followed by a Q&A session, providing investors and analysts an opportunity to engage with management and gain deeper insight into the company’s recent financial performance and outlook.