Check Before You Invest : Jindal Poly Investment and Finance Company Ltd

Snapshot

Q.1 Which industry/sub-sector does Jindal Poly Investment and Finance Company Ltd belong to?

Jindal Poly Investment and Finance Company Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.

Q.2 Is Jindal Poly Investment and Finance Company Ltd a good quality company?

Jindal Poly Investment and Finance Company Ltd is a weak quality company, based on a inconsistent 5-year financial track record.

Q.3 Is Jindal Poly Investment and Finance Company Ltd undervalued or overvalued?

Jindal Poly Investment and Finance Company Ltd appears Fair, as its key valuation ratios are in line with their past averages.

Q.4 Is Jindal Poly Investment and Finance Company Ltd a good buy now?

Jindal Poly Investment and Finance Company 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 Jindal Poly Investment and Finance Company Ltd?

Jindal Poly Investment and Finance Company Ltd Operating Income growth is -12.09% for FY-2025, which is below its 5-year CAGR of NA%, indicating slower growth.

Q.2 Return on Assets of Jindal Poly Investment and Finance Company Ltd?

Jindal Poly Investment and Finance Company Ltd Return on Asset is 7.5%, which is in line with its 5-year historical median of 7.5%, indicating stable earnings on assets.

	Current Level	5-year Historic Median
NPM%	175.6	175.6
PPOP%	-11.76	-11.76
RoA%	7.5	7.5

Q.3 Return on Equity (ROE) of Jindal Poly Investment and Finance Company Ltd?

Jindal Poly Investment and Finance Company Ltd Return on Equity is 8.2% for FY-2025, which is in line with its 5-year historical median of 8.2%, indicating the business is making similar use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Jindal Poly Investment and Finance Company Ltd?

Jindal Poly Investment and Finance Company Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -11.76% for FY-2025, which is in line with its 5-year median(-11.76%), indicating stable margins.

Q.5 Net Profit Margin of Jindal Poly Investment and Finance Company Ltd?

Jindal Poly Investment and Finance Company 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 175.6% for FY-2025, which is in line with its 5-year median( 175.6%), indicating stable margins.

Q.6 Total Asset growth of Jindal Poly Investment and Finance Company Ltd?

Jindal Poly Investment and Finance Company Ltd Total Asset growth is 4.28% for FY-2025, which is below its 5-year CAGR of 108.85%, indicating slower growth.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Jindal Poly Investment and Finance Company Ltd?

Promoters hold 74.63% of the Jindal Poly Investment and Finance Company Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of Jindal Poly Investment and Finance Company Ltd vs Industry Peers?

Jindal Poly Investment and Finance Company Ltd AUM CAGR is 108.85%, 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 Jindal Poly Investment and Finance Company Ltd vs industry peers

Jindal Poly Investment and Finance Company Ltd profit metrics are above the industry median level of -0.88%, indicating stronger profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM%	175.6	9.95
PPOP%	-11.76	-13.4
RoA%	7.5	0.8

Q.3 Operating efficiency of Jindal Poly Investment and Finance Company Ltd vs industry peers?

Jindal Poly Investment and Finance Company Ltd ROCE (5.4) is above the industry median of (1.9); while the current ROE (8.2) 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%	175.6	9.95
PPOP%	-11.76	-13.4
RoA%	7.5	0.8
ROCE%	4.4	1.9
ROE%	8.2	1.2

Valuation & price assessment

Q.1 Stock return of Jindal Poly Investment and Finance Company Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 29.8% based on the current price.

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

	9Y	5Y	3Y	1Y
Share Price CAGR	29.8%	102.4%	28%	26.4%

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	1.32	15.85	33.72
Price to Book	0.74	1.39	0.94
Price to Sales	1.16	43.98	12.44
EV to EBITDA	1.19	4.27	9.97

Q.4 Valuation ratios of Jindal Poly Investment and Finance Company Ltdvs historical and industry averages?

The current Price to book ratio (P/B) 0.74% is lower than its historical median of 1.39%, 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?

Jindal Poly Investment and Finance Company Ltd return on invested capital (ROIC) is 7.98% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

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