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INVESTMENT INSIGHTS

Check Before You Invest : Industrial Investment Trust Ltd

BSE: 501295 NSE: IITL ISIN: INE886A01014
  |   Sector:  BFSI   |   Industry:  Finance - NBFC

Snapshot

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

Performance Analysis

Q.1 Total Income growth of Industrial Investment Trust Ltd?
Industrial Investment Trust Ltd Operating Income growth is -62.03% for FY-2025, which is below its 5-year CAGR of -7.25%, indicating slower growth.
Q.2 Return on Assets of Industrial Investment Trust Ltd?
Industrial Investment Trust Ltd Return on Asset is 0.8%, which is in line with its 5-year historical median of 0.8%, indicating stable earnings on assets.
Current Level 5-year
Historic Median
NPM% 22.57 22.57
PPOP% -91.23 -91.23
RoA% 0.8 0.8
Q.3 Return on Equity (ROE) of Industrial Investment Trust Ltd?
Industrial Investment Trust Ltd Return on Equity is 0.8% for FY-2025, which is in line with its 5-year historical median of 0.8%, indicating the business is making similar use of its shareholders capital.
Q.4 Pre-provisioning operating profit margin of Industrial Investment Trust Ltd?
Industrial Investment Trust Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -91.23% for FY-2025, which is in line with its 5-year median(-91.23%), indicating stable margins.
Q.5 Net Profit Margin of Industrial Investment Trust Ltd?
Industrial Investment Trust 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 22.57% for FY-2025, which is in line with its 5-year median( 22.57%), indicating stable margins.
Q.6 Total Asset growth of Industrial Investment Trust Ltd?
Industrial Investment Trust Ltd Total Asset growth is 0.73% for FY-2025, which is above its 5-year CAGR of 0%, indicating faster growth.
Q.7 Capital Adequacy ratio of Industrial Investment Trust Ltd?
Industrial Investment Trust Ltd Capital Adequacy ratio (CAR) is 102.00% 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 Industrial Investment Trust Ltd?
Promoters hold 56.46% of the Industrial Investment Trust Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of Industrial Investment Trust Ltd vs Industry Peers?
Industrial Investment Trust Ltd AUM CAGR is 0%, compared to the 5-year industry median CAGR of 9.9%, indicating slower growth and losing its market share.
Q.2 Profit metrics (NPM, PPOP, RoA) of Industrial Investment Trust Ltd vs industry peers
Industrial Investment Trust Ltd profit metrics are in line with the industry median level of 7.31%, indicating similar profitability compared to peers.
Profit Metrics
Current Level 5-year
Industry Median
NPM% 22.57 15.95
PPOP% -91.23 4.54
RoA% 0.8 1.45
Q.3 Operating efficiency of Industrial Investment Trust Ltd vs industry peers?
Industrial Investment Trust Ltd ROCE (1) is below the industry median of (4.4); while the current ROE (0.8) are below than the 5-year average Industry ROE (2.7). This shows that the business is positioned in the bottom quartile of the industry.
Operating Efficiency
Current Level 5-year
Industry Median
NPM% 22.57 15.95
PPOP% -91.23 4.54
RoA% 0.8 1.45
ROCE% 1 4.4
ROE% 0.8 2.7

Valuation & price assessment

Q.1 Stock return of Industrial Investment Trust Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 10.2% based on the current price.
Q.2 What return has the stock given over the last decade?
9Y 5Y 3Y 1Y
Share Price
CAGR		 10.2% 24.3% 26.9% -10.9%
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 64.42 15.31 28.96
Price to Book 0.89 0.76 1.11
Price to Sales 20.07 16.36 9.10
EV to EBITDA 35.5 12.66 11.77
Q.4 Valuation ratios of Industrial Investment Trust Ltdvs historical and industry averages?
The current Price to book ratio (P/B) 0.89% is higher than its historical median of 0.76%, 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?
Industrial Investment Trust Ltd return on invested capital (ROIC) is 0.85% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

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