Check Before You Invest : AMPL Capital Ltd

Q: Which industry/sub-sector does AMPL Capital Ltd belong to?

AMPL Capital Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q: Is AMPL Capital Ltd a good quality company?

AMPL Capital Ltd is a weak quality company, based on a inconsistent multi-year financial track record. This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q: Is AMPL Capital Ltd undervalued or overvalued?

AMPL Capital Ltd appears Somewhat Undervalued, as its key valuation ratios are lower than their past averages. Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more. Valuation Ratios. Price to Earnings, Current: 6.67, Historic Median: 75.80. Price to Book, Current: 1.44, Historic Median: 2.38. Price to Sales, Current: 22.57, Historic Median: 33.15. EV to EBITDA, Current: 6.87, Historic Median: 40.61

Q: Is AMPL Capital Ltd a good buy now?

AMPL Capital Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Q: Total Income growth of AMPL Capital Ltd?

AMPL Capital Ltd Operating Income growth is 41.06% for FY-2025, which is below its 5-year CAGR of 101.96%, indicating slower growth.

Q: Return on Assets of AMPL Capital Ltd?

AMPL Capital Ltd Return on Asset is 2.6%, which is below its 5-year historical median of 3.5%, indicating deteriorated earnings on assets. Efficiency & Key Metrics. NPM (%), Current: 22.07, Historic Median: 43.41. PPOP (%), Current: -, Historic Median: -. RoA (%), Current: 2.6, Historic Median: 3.5

Q: Return on Equity (ROE) of AMPL Capital Ltd?

AMPL Capital Ltd Return on Equity is 3.4% for FY-2025, which is below its 5-year historical median of 5.5%, indicating the business is making worse use of its shareholders capital.

Q: Net Profit Margin of AMPL Capital Ltd?

AMPL Capital 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 22.07% for FY-2025, which is below its 5-year median( 43.41%), indicating decreasing margins.

Q: Does its ROIC exceed its WACC?

AMPL Capital Ltd return on invested capital (ROIC) is 4.35% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

Q: Total Asset growth of AMPL Capital Ltd?

AMPL Capital Ltd Total Asset growth is 8.64% for FY-2025, which is below its 5-year CAGR of 71.11%, indicating slower growth.

Snapshot

Q.1 Which industry/sub-sector does AMPL Capital Ltd belong to?

AMPL Capital Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q.2 Is AMPL Capital Ltd a good quality company?

AMPL Capital Ltd is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q.3 Is AMPL Capital Ltd undervalued or overvalued?

AMPL Capital Ltd appears Somewhat Undervalued, as its key valuation ratios are lower than their past averages.

Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more.

Valuation Ratios	Current	5-year Historic Median
Price to Earnings	6.67	75.80
Price to Book	1.44	2.38
Price to Sales	22.57	33.15
EV to EBITDA	6.87	40.61

Q.4 Is AMPL Capital Ltd a good buy now?

AMPL Capital Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Performance Analysis

We have analysed the performance of the company on the following:

How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

A: What are the trends in income and profitability?

Q.1 Total Income growth of AMPL Capital Ltd?

AMPL Capital Ltd Operating Income growth is 41.06% for FY-2025, which is below its 5-year CAGR of 101.96%, indicating slower growth.

Q.2 Return on Assets of AMPL Capital Ltd?

AMPL Capital Ltd Return on Asset is 2.6%, which is below its 5-year historical median of 3.5%, indicating deteriorated earnings on assets.

	Current Level	5-year Historic Median
NPM (%)	22.07	43.41
PPOP (%)	-	-
RoA (%)	2.6	3.5

Q.3 Return on Equity (ROE) of AMPL Capital Ltd?

AMPL Capital Ltd Return on Equity is 3.4% for FY-2025, which is below its 5-year historical median of 5.5%, indicating the business is making worse use of its shareholders capital.

Q.4 Net Profit Margin of AMPL Capital Ltd?

AMPL Capital 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 22.07% for FY-2025, which is below its 5-year median( 43.41%), indicating decreasing margins.

Q.5 Does its ROIC exceed its WACC?

AMPL Capital Ltd return on invested capital (ROIC) is 4.35% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

B: Does the bank grow efficiently and manage its operating costs?

Q.6 Total Asset growth of AMPL Capital Ltd?

AMPL Capital Ltd Total Asset growth is 8.64% for FY-2025, which is below its 5-year CAGR of 71.11%, indicating slower growth.

Ownership & governance

D: Promoter shareholding and pledge status of AMPL Capital Ltd?

Q.1 Promoter shareholding and pledge status of AMPL Capital Ltd?

Promoters hold 26.03% of the AMPL Capital Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does AMPL Capital Ltd performance compare with that of its Peers?

Q.1 AUM Growth of AMPL Capital Ltd vs Industry Peers?

AMPL Capital Ltd AUM CAGR is 71.11%, compared to the 5-year industry median CAGR of 9.75%, indicating faster growth and gaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of AMPL Capital Ltd vs industry peers

AMPL Capital Ltd profit metrics are in line with the industry median level of 4.67%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM (%)	22.07	12.66
PPOP (%)	-	-
RoA (%)	2.6	1.35

Q.3 Operating efficiency of AMPL Capital Ltd vs industry peers?

AMPL Capital Ltd ROCE (7.4) is above the industry median of (4.1); while the current ROE (5.5) are above than the 5-year average Industry ROE (2.1). This shows that the business is positioned in the top quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM (%)	22.07	12.66
PPOP (%)	-	-
RoA (%)	2.6	1.35
ROCE (%)	5.9	4.1
ROE (%)	3.4	2.1

Valuation & price assessment

Q.1 Stock return of AMPL Capital Ltd over the last decade?

Over the last 5 years, the stock has delivered a CAGR of 23.89% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	-	23.9%	0.3%	27.7%

Q.2 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	6.67	75.80	29.12
Price to Book	1.44	2.38	1.11
Price to Sales	22.57	33.15	9.10
EV to EBITDA	6.87	40.61	11.77

Q.3 Valuation ratios of AMPL Capital Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of 1.44 is lower than its historical median of 2.38, indicating that the stock is trading below its historical average valuation.

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Check Before You Invest : AMPL Capital Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

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