Check Before You Invest : Brijlaxmi Leasing & Finance Ltd

BSE: 532113 NSE: ISIN: INE957E01031

| Sector: BFSI | Industry: Finance - Investment

Snapshot

Q.1 Which industry/sub-sector does Brijlaxmi Leasing & Finance Ltd belong to?

Brijlaxmi Leasing & Finance Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.

Q.2 Is Brijlaxmi Leasing & Finance Ltd a good quality company?

Brijlaxmi Leasing & Finance Ltd is a quality company, based on a 10-year financial track record.

Q.3 Is Brijlaxmi Leasing & Finance Ltd undervalued or overvalued?

Brijlaxmi Leasing & Finance Ltd appears Somewhat overvalued, as its key valuation ratios are above with their past averages.

Q.4 Is Brijlaxmi Leasing & Finance Ltd a good buy now?

Brijlaxmi Leasing & Finance 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

Q.1 Total Income growth of Brijlaxmi Leasing & Finance Ltd?

Brijlaxmi Leasing & Finance Ltd Operating Income growth is 157.96% for FY-2025, which is above its 5-year CAGR of 71.18%, indicating faster growth.

Q.2 Return on Assets of Brijlaxmi Leasing & Finance Ltd?

Brijlaxmi Leasing & Finance Ltd Return on Asset is 7.6%, which is above its 5-year historical median of 0.8%, indicating improved earnings on assets.

	Current Level	5-year Historic Median
NPM%	25.06	9.28
PPOP%	87.72	-100
RoA%	7.6	0.8

Q.3 Return on Equity (ROE) of Brijlaxmi Leasing & Finance Ltd?

Brijlaxmi Leasing & Finance Ltd Return on Equity is 30.9% for FY-2025, which is above its 5-year historical median of 2.6%, indicating the business is making better use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Brijlaxmi Leasing & Finance Ltd?

Brijlaxmi Leasing & Finance Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 87.72% for FY-2025, which is above its 5-year median(-100%), indicating increasing margins.

Q.5 Net Profit Margin of Brijlaxmi Leasing & Finance Ltd?

Brijlaxmi Leasing & Finance 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 25.06% for FY-2025, which is above its 5-year median( 9.28%), indicating increasing margins.

Q.6 Total Asset growth of Brijlaxmi Leasing & Finance Ltd?

Brijlaxmi Leasing & Finance Ltd Total Asset growth is -10.86% for FY-2025, which is below its 5-year CAGR of 30.75%, indicating slower growth.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Brijlaxmi Leasing & Finance Ltd?

Promoters hold 24.58% of the Brijlaxmi Leasing & Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of Brijlaxmi Leasing & Finance Ltd vs Industry Peers?

Brijlaxmi Leasing & Finance Ltd AUM CAGR is 30.75%, compared to the 5-year industry median CAGR of 9.45%, indicating faster growth and gaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Brijlaxmi Leasing & Finance Ltd vs industry peers

Brijlaxmi Leasing & Finance Ltd profit metrics are in line with the industry median level of -0.88%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM%	25.06	9.95
PPOP%	87.72	-13.4
RoA%	7.6	0.8

Q.3 Operating efficiency of Brijlaxmi Leasing & Finance Ltd vs industry peers?

Brijlaxmi Leasing & Finance Ltd ROCE (6.6) is above the industry median of (1.9); while the current ROE (2.6) are above than the 5-year average Industry ROE (1.2). This shows that the business is positioned in the top quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM%	25.06	9.95
PPOP%	87.72	-13.4
RoA%	7.6	0.8
ROCE%	26.5	1.9
ROE%	30.9	1.2

Valuation & price assessment

Q.1 Stock return of Brijlaxmi Leasing & Finance Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 18.4% based on the current price.

Q.2 What return has the stock given over the last decade?

	9Y	5Y	3Y	1Y
Share Price CAGR	18.4%	37.5%	45%	38.9%

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	1.84	10.21	33.72
Price to Book	1.17	0.88	0.94
Price to Sales	1.16	1.85	12.44
EV to EBITDA	4.76	11.66	9.97

Q.4 Valuation ratios of Brijlaxmi Leasing & Finance Ltdvs historical and industry averages?

The current Price to book ratio (P/B) 1.17% is higher than its historical median of 0.88%, 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?

Brijlaxmi Leasing & Finance Ltd return on invested capital (ROIC) is 19% for FY-2025, is higher than its estimated weighted average cost of capital (WACC) of 14%, indicating value creation.

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