Check Before You Invest : Integra Capital Ltd

Snapshot

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

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

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

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

Q.3 Is Integra Capital Ltd undervalued or overvalued?

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

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

Integra 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 Integra Capital Ltd?

Integra Capital Ltd Operating Income growth is -76.8% for FY-2025, which is below its 5-year CAGR of 11.27%, indicating slower growth.

Q.2 Return on Assets of Integra Capital Ltd?

Integra Capital Ltd Return on Asset is 4.7%, which is in line with its 5-year historical median of 4.7%, indicating stable earnings on assets.

	Current Level	5-year Historic Median
NPM%	81.75	70.45
PPOP%	-65.35	-117.65
RoA%	4.7	4.7

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

Integra Capital Ltd Return on Equity is 4.9% for FY-2025, which is in line with its 5-year historical median of 4.9%, indicating the business is making similar use of its shareholders capital.

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

Integra Capital Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -65.35% for FY-2025, which is above its 5-year median(-117.65%), indicating increasing margins.

Q.5 Net Profit Margin of Integra Capital Ltd?

Integra 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 81.75% for FY-2025, which is above its 5-year median( 70.45%), indicating increasing margins.

Q.6 Total Asset growth of Integra Capital Ltd?

Integra Capital Ltd Total Asset growth is 7.04% for FY-2025, which is below its 5-year CAGR of 7.09%, indicating slower growth.

Ownership & governance

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

Promoters hold 50.01% of the Integra Capital Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

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

Integra Capital Ltd AUM CAGR is 7.09%, 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 Integra Capital Ltd vs industry peers

Integra Capital Ltd profit metrics are in line with the industry median level of 7.19%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM%	81.75	15.95
PPOP%	-65.35	4.17
RoA%	4.7	1.45

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

Integra Capital Ltd ROCE (6.9) is above the industry median of (4.4); while the current ROE (4.9) are above than the 5-year average Industry ROE (2.7). This shows that the business is positioned in the top quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM%	81.75	15.95
PPOP%	-65.35	4.17
RoA%	4.7	1.45
ROCE%	6.9	4.4
ROE%	4.9	2.7

Valuation & price assessment

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

Over the last 9 years, the stock has delivered a CAGR of -1.1% based on the current price.

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

	9Y	5Y	3Y	1Y
Share Price CAGR	-1.1%	5.1%	-11.7%	-1.3%

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	6.42	21.62	28.96
Price to Book	1.17	1.93	1.11
Price to Sales	5.08	9.69	9.10
EV to EBITDA	6.66	12.69	11.77

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

The current Price to book ratio (P/B) 1.17% is lower than its historical median of 1.93%, 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?

Integra Capital Ltd return on invested capital (ROIC) is 4.78% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

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