Onelife Capital Advisors Limited (ONELIFECAP) AI Stock Analysis

• Market Cap: ₹225.12M
• Dividend Yield: N/A
• Average Volume (3M): 2.89K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.04
• Revenue Growth: -62.38%
• EPS Growth: 21.41%
• Country: IN
• Employees: 17
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Capital Markets
• EPS (TTM): -3.38
• Shares Outstanding: 13,360,000
• 10 Day Avg. Volume: 990
• 30 Day Avg. Volume: 2,886
• PEG Ratio: <0.01
• Price to Book (P/B): 0.38
• Price to Sales (P/S): 0.42
• P/FCF Ratio: 0.39
• 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: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 44 Neutral
• Price Target: ₹12.50 ▼(-7.34% Downside)

The overall stock score is primarily impacted by the company's weak financial performance, characterized by poor profitability and high leverage. Technical analysis indicates bearish trends, while valuation metrics highlight significant challenges with negative earnings. The absence of earnings call insights and corporate events leaves these areas unaddressed.

Positive Factors

Cash Flow Strength

Strong operating and improved free cash flow indicate robust cash generation, providing a liquidity buffer and potential for reinvestment.

Revenue Model

Diverse revenue streams from fees and commissions provide a stable income base, enhancing financial resilience and growth potential.

Cash Reserves

Strong cash reserves enhance financial stability, allowing the company to weather economic fluctuations and invest in growth opportunities.

Negative Factors

High Leverage

High leverage increases financial risk and can limit strategic flexibility, potentially impacting long-term sustainability and growth.

Profitability Challenges

Negative net income and declining margins indicate operational inefficiencies, which may hinder future profitability and growth.

Revenue Decline

A significant decline in revenue growth reflects market challenges and operational issues, threatening long-term financial health.

Onelife Capital Advisors Limited Business Overview & Revenue Model

Company Description

Onelife Capital Advisors Limited (ONELIFECAP) is a financial services company that specializes in investment advisory and asset management. Operating primarily in the financial sector, the company offers a range of services including wealth management, portfolio management, and financial planning. With a focus on personalized financial solutions, ONELIFECAP caters to individual and institutional investors, aiming to optimize their investment strategies and enhance their financial growth.

How the Company Makes Money

Onelife Capital Advisors generates revenue through several key streams, primarily by charging fees for its investment advisory and asset management services. These fees can include management fees based on a percentage of assets under management (AUM), performance fees tied to the returns generated for clients, and consulting fees for financial planning services. Additionally, the company may earn revenue through commissions on financial products it recommends to clients, as well as through partnerships with financial institutions that provide complementary services. Significant partnerships and collaborations with other financial entities may also contribute to its earnings by expanding its service offerings and client base.

Onelife Capital Advisors Limited Financial Statement Overview

Summary

Onelife Capital Advisors Limited is facing considerable financial challenges, driven by poor profitability and increased leverage. Despite positive cash flow trends, the negative income trajectory and high financial leverage pose risks to future performance. The company needs to address operational inefficiencies and stabilize revenue to improve its financial position.

Income Statement

The income statement reveals significant challenges with profitability, highlighted by negative net income and declining revenue. The gross profit margin is negative in the most recent year, indicating cost inefficiencies. Additionally, the net profit margin has worsened, coupled with a substantial decline in revenue compared to prior periods, reflecting operational difficulties and market challenges.

Balance Sheet

The balance sheet shows a highly leveraged position with a rising debt-to-equity ratio, indicating increased financial risk. The equity ratio has decreased over time, signaling reduced financial stability. Stockholders' equity has declined significantly, impacting the company's long-term sustainability. However, cash reserves remain relatively strong, providing some liquidity buffer.

Cash Flow

Cash flow analysis indicates strong operating cash flow and a significant improvement in free cash flow in the latest period. This positive cash flow trend offers some optimism amidst challenging income and balance sheet conditions. However, historical volatility in operating cash flow and negative free cash flow in previous periods highlight potential sustainability concerns.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	8.56M	72.16M	401.71M	32.00M	34.64M	28.35M
Gross Profit	-300.07M	-266.34M	225.56M	4.42M	20.31M	7.25M
EBITDA	-18.26M	-186.00K	87.27M	-9.26M	170.00K	8.47M
Net Income	-62.41M	-51.43M	3.87M	-24.79M	-3.96M	-541.00K
Balance Sheet
Total Assets	0.00	1.72B	1.65B	1.24B	1.07B	904.20M
Cash, Cash Equivalents and Short-Term Investments	306.05M	383.01M	141.58M	43.95M	13.46M	15.02M
Total Debt	0.00	230.63M	268.54M	131.67M	149.41M	10.00M
Total Liabilities	-352.07M	1.36B	1.14B	417.04M	224.45M	55.16M
Stockholders Equity	352.07M	346.84M	507.00M	820.17M	845.00M	848.90M
Cash Flow
Free Cash Flow	0.00	343.08M	-282.94M	118.65M	-20.16M	-21.54M
Operating Cash Flow	0.00	558.96M	-251.52M	185.20M	-20.07M	-21.54M
Investing Cash Flow	0.00	-269.93M	133.87M	-121.98M	-120.10M	38.00K
Financing Cash Flow	0.00	-31.12M	112.25M	-32.73M	138.62M	-1.24M

Onelife Capital Advisors Limited Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 13.49
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:ONELIFECAP, the sentiment is Positive. The current price of 13.49 is below the 20-day moving average (MA) of 13.77, above the 50-day MA of 13.39, and above the 200-day MA of 12.43, indicating a neutral trend. The MACD of -0.23 indicates Positive momentum. The RSI at 52.55 is Neutral, neither overbought nor oversold. The STOCH value of 94.11 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:ONELIFECAP.

Onelife Capital Advisors Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LFIC	62 Neutral	―	―	―	1.56%	-93.62%	-115.49%
KHANDSE	49 Neutral	₹341.23M	-18.37	―	―	-12.64%	-390.34%
TCIFINANCE	49 Neutral	₹156.14M	4.46	―	―	797.65%	―
ONELIFECAP	44 Neutral	₹225.12M	-5.21	―	―	-62.38%	21.41%
TFL	41 Neutral	₹707.07M	-18.48	―	―	-29.62%	-308.12%

Onelife Capital Advisors Limited Corporate Events

Onelife Capital Advisors Appoints New Statutory Auditors

Onelife Capital Advisors Limited has announced a change in its statutory auditors, appointing M/s Rafik & Associates as the new auditors. This appointment was confirmed during the company’s Annual General Meeting on September 30, 2025, and the firm will hold the position until the conclusion of the 23rd Annual General Meeting. This change is part of the company’s compliance with regulatory requirements, potentially impacting its financial reporting and audit processes.

Onelife Capital Advisors Announces Trading Window Closure

Onelife Capital Advisors Limited has announced the closure of its trading window in compliance with SEBI’s insider trading regulations. This closure will be in effect from October 1, 2025, until 48 hours after the release of the company’s unaudited financial results for the quarter ending September 30, 2025. This move is significant for stakeholders as it ensures compliance with regulatory standards and maintains the integrity of financial disclosures.