Check Before You Invest : Haryana Capfin Ltd

BSE: 532855 NSE: ISIN: INE928H01019

| Sector: BFSI | Industry: Finance - Investment

Snapshot

Q.1 Which industry/sub-sector does Haryana Capfin Ltd belong to?

Haryana Capfin Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.

Q.2 Is Haryana Capfin Ltd a good quality company?

Haryana Capfin Ltd is a quality company, based on a 10-year financial track record.

Q.3 Is Haryana Capfin Ltd undervalued or overvalued?

Haryana Capfin Ltd appears Somewhat Undervalued, as its key valuation ratios are below with their past averages.

Q.4 Is Haryana Capfin Ltd a good buy now?

Haryana Capfin 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 Haryana Capfin Ltd?

Haryana Capfin Ltd Operating Income growth is 71.53% for FY-2025, which is above its 5-year CAGR of 24.77%, indicating faster growth.

Q.2 Return on Assets of Haryana Capfin Ltd?

Haryana Capfin Ltd Return on Asset is 1.1%, which is above its 5-year historical median of 0.8%, indicating improved earnings on assets.

	Current Level	5-year Historic Median
NPM%	69.34	64.17
PPOP%	82.37	46.26
RoA%	1.1	0.8

Q.3 Return on Equity (ROE) of Haryana Capfin Ltd?

Haryana Capfin Ltd Return on Equity is 1.4% for FY-2025, which is above its 5-year historical median of 1%, indicating the business is making better use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Haryana Capfin Ltd?

Haryana Capfin Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 82.37% for FY-2025, which is above its 5-year median(46.26%), indicating increasing margins.

Q.5 Net Profit Margin of Haryana Capfin Ltd?

Haryana Capfin 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 69.34% for FY-2025, which is above its 5-year median( 64.17%), indicating increasing margins.

Q.6 Total Asset growth of Haryana Capfin Ltd?

Haryana Capfin Ltd Total Asset growth is -16.56% for FY-2025, which is below its 5-year CAGR of 41.97%, indicating slower growth.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Haryana Capfin Ltd?

Promoters hold 70.78% of the Haryana Capfin Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of Haryana Capfin Ltd vs Industry Peers?

Haryana Capfin Ltd AUM CAGR is 41.97%, 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 Haryana Capfin Ltd vs industry peers

Haryana Capfin 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%	69.34	9.95
PPOP%	82.37	-13.4
RoA%	1.1	0.8

Q.3 Operating efficiency of Haryana Capfin Ltd vs industry peers?

Haryana Capfin Ltd ROCE (1.3) is below the industry median of (1.9); while the current ROE (1) are below than the 5-year average Industry ROE (1.2). This shows that the business is positioned in the bottom quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM%	69.34	9.95
PPOP%	82.37	-13.4
RoA%	1.1	0.8
ROCE%	1.9	1.9
ROE%	1.4	1.2

Valuation & price assessment

Q.1 Stock return of Haryana Capfin Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 22.7% based on the current price.

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

	9Y	5Y	3Y	1Y
Share Price CAGR	22.7%	36.4%	32.1%	-24.9%

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	15.9	24.72	33.72
Price to Book	0.24	0.26	0.94
Price to Sales	11.44	13.97	12.44
EV to EBITDA	12.05	18.30	9.97

Q.4 Valuation ratios of Haryana Capfin Ltdvs historical and industry averages?

The current Price to book ratio (P/B) 0.24% is lower than its historical median of 0.26%, indicating that at the current price the stock is undervalued. However, you need a deeper analysis to make a better judgement.

Strategic outlook

Q.1 Does its ROIC exceed its WACC?

Haryana Capfin Ltd return on invested capital (ROIC) is 1.42% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

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