Check Before You Invest : Inditrade Capital Ltd

BSE: 532745 NSE: ISIN: INE347H01012

| Sector: BFSI | Industry: Finance - Investment

Snapshot

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

Inditrade Capital Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.

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

Inditrade Capital Ltd is a quality company, based on a 10-year financial track record.

Q.3 Is Inditrade Capital Ltd undervalued or overvalued?

Inditrade Capital Ltd appears Undervalued, as its key valuation ratios are below with their past averages.

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

Inditrade 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

Q.1 Total Income growth of Inditrade Capital Ltd?

Inditrade Capital Ltd Operating Income growth is -45.52% for FY-2025, which is below its 5-year CAGR of 73.89%, indicating slower growth.

Q.2 Return on Assets of Inditrade Capital Ltd?

Inditrade Capital Ltd Return on Asset is -2.4%, which is below its 5-year historical median of 0.2%, indicating deteriorated earnings on assets.

	Current Level	5-year Historic Median
NPM%	-38.23	4.72
PPOP%	-39.29	-39.29
RoA%	-2.4	0.2

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

Inditrade Capital Ltd Return on Equity is -3.4% for FY-2025, which is below its 5-year historical median of 0.2%, indicating the business is making worse use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Inditrade Capital Ltd?

Inditrade Capital Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -39.29% for FY-2025, which is in line with its 5-year median(-39.29%), indicating stable margins.

Q.5 Net Profit Margin of Inditrade Capital Ltd?

Inditrade 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 -38.23% for FY-2025, which is below its 5-year median( 4.72%), indicating decreasing margins.

Q.6 Total Asset growth of Inditrade Capital Ltd?

Inditrade Capital Ltd Total Asset growth is 6.73% for FY-2025, which is above its 5-year CAGR of 6.52%, indicating faster growth.

Ownership & governance

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

Promoters hold 6.42% of the Inditrade Capital Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

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

Inditrade Capital Ltd AUM CAGR is 6.52%, compared to the 5-year industry median CAGR of 9.45%, indicating slower growth and losing its market share.

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

Inditrade Capital Ltd profit metrics are below the industry median level of -0.85%, indicating weaker profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM%	-38.23	9.95
PPOP%	-39.29	-13.31
RoA%	-2.4	0.8

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

Inditrade Capital Ltd ROCE (2.3) is above the industry median of (1.9); while the current ROE (0.2) are below than the 5-year average Industry ROE (1.2). This shows that the business is positioned in the middle quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM%	-38.23	9.95
PPOP%	-39.29	-13.31
RoA%	-2.4	0.8
ROCE%	2.3	1.9
ROE%	-3.4	1.2

Valuation & price assessment

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

Over the last 9 years, the stock has delivered a CAGR of -20.9% based on the current price.

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

	9Y	5Y	3Y	1Y
Share Price CAGR	-20.9%	-37.8%	-52.7%	-55.3%

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	-	50.64	33.72
Price to Book	0.08	0.74	0.94
Price to Sales	0.87	13.33	12.44
EV to EBITDA	13.36	12.10	9.97

Q.4 Valuation ratios of Inditrade Capital Ltdvs historical and industry averages?

The current Price to book ratio (P/B) 0.08% is lower than its historical median of 0.74%, 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?

Inditrade Capital Ltd return on invested capital (ROIC) is 0.84% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

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