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INVESTMENT INSIGHTS

Check Before You Invest : Authum Investment & Infrastructure Ltd

BSE: 539177 NSE: AIIL ISIN: INE206F01022
  |   Sector:  BFSI   |   Industry:  Finance - Investment

Snapshot

Q.1 Which industry/sub-sector does Authum Investment & Infrastructure Ltd belong to?
Authum Investment & Infrastructure Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.
Q.2 Is Authum Investment & Infrastructure Ltd a good quality company?
Authum Investment & Infrastructure Ltd is a average quality company, based on a somewhat consistent 10-year financial track record.
Q.3 Is Authum Investment & Infrastructure Ltd undervalued or overvalued?
Authum Investment & Infrastructure Ltd appears Somewhat overvalued, as its key valuation ratios are above with their past averages.
Q.4 Is Authum Investment & Infrastructure Ltd a good buy now?
Authum Investment & Infrastructure Ltd is a neutral opportunity now, based on stable price trend analysis suggesting prices may move sideways. However, you need to check its quality and valuation before making a decision

Performance Analysis

Q.1 Total Income growth of Authum Investment & Infrastructure Ltd?
Authum Investment & Infrastructure Ltd Operating Income growth is 89.24% for FY-2025, which is below its 5-year CAGR of 194.47%, indicating slower growth.
Q.2 Return on Assets of Authum Investment & Infrastructure Ltd?
Authum Investment & Infrastructure Ltd Return on Asset is 31.3%, which is above its 5-year historical median of 22.4%, indicating improved earnings on assets.
Current Level 5-year
Historic Median
NPM% 93.04 73.7
PPOP% -32.26 274.14
RoA% 31.3 22.4
Q.3 Return on Equity (ROE) of Authum Investment & Infrastructure Ltd?
Authum Investment & Infrastructure Ltd Return on Equity is 34.1% for FY-2025, which is in line with its 5-year historical median of 34.1%, indicating the business is making similar use of its shareholders capital.
Q.4 Pre-provisioning operating profit margin of Authum Investment & Infrastructure Ltd?
Authum Investment & Infrastructure Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -32.26% for FY-2025, which is below its 5-year median(274.14%), indicating decreasing margins.
Q.5 Net Profit Margin of Authum Investment & Infrastructure Ltd?
Authum Investment & Infrastructure Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 93.04% for FY-2025, which is above its 5-year median( 73.7%), indicating increasing margins.
Q.6 Total Asset growth of Authum Investment & Infrastructure Ltd?
Authum Investment & Infrastructure Ltd Total Asset growth is 39.45% for FY-2025, which is below its 5-year CAGR of 86.81%, indicating slower growth.
Q.7 Capital Adequacy ratio of Authum Investment & Infrastructure Ltd?
Authum Investment & Infrastructure Ltd Capital Adequacy ratio (CAR) is 54.2% for FY-2025, which is above the regulatory requirement of 15%, indicating strong capital position.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Authum Investment & Infrastructure Ltd?
Promoters hold 68.81% of the Authum Investment & Infrastructure Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of Authum Investment & Infrastructure Ltd vs Industry Peers?
Authum Investment & Infrastructure Ltd AUM CAGR is 86.81%, compared to the 5-year industry median CAGR of 86.81%, indicating stable growth and maintaining its market share.
Q.2 Profit metrics (NPM, PPOP, RoA) of Authum Investment & Infrastructure Ltd vs industry peers
Authum Investment & Infrastructure Ltd profit metrics are in line with the industry median level of 123.41%, indicating similar profitability compared to peers.
Profit Metrics
Current Level 5-year
Industry Median
NPM% 93.04 73.7
PPOP% -32.26 274.14
RoA% 31.3 22.4
Q.3 Operating efficiency of Authum Investment & Infrastructure Ltd vs industry peers?
Authum Investment & Infrastructure Ltd ROCE (28.9) is in line with the industry median of (28.9); while the current ROE (34.1) are in line with than the 5-year average Industry ROE (34.1). This shows that the business is positioned in the middle quartile of the industry.
Operating Efficiency
Current Level 5-year
Industry Median
NPM% 93.04 73.7
PPOP% -32.26 274.14
RoA% 31.3 22.4
ROCE% 30.9 28.9
ROE% 34.1 34.1

Valuation & price assessment

Q.1 Stock return of Authum Investment & Infrastructure Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 110% based on the current price.
Q.2 What return has the stock given over the last decade?
9Y 5Y 3Y 1Y
Share Price
CAGR		 110% 134.8% 121.1% 30.5%
Q.3 How do the current valuation ratios compare with 5-year historical median and industry numbers?
Valuation Ratios Current 5-year
Historic Median		 5-year
Industry Median
Price to Earnings 10.56 7.71 33.72
Price to Book 2.34 2.12 0.94
Price to Sales 11.84 10.58 12.44
EV to EBITDA 12.06 7.50 9.97
Q.4 Valuation ratios of Authum Investment & Infrastructure Ltdvs historical and industry averages?
The current Price to book ratio (P/B) 2.34% is higher than its historical median of 2.12%, indicating that at the current price the stock is overvalued. However, you need a deeper analysis to make a better judgement.

Strategic outlook

Q.1 Does its ROIC exceed its WACC?
Authum Investment & Infrastructure Ltd return on invested capital (ROIC) is 32.05% for FY-2025, is higher than its estimated weighted average cost of capital (WACC) of 11.25%, indicating value creation.

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