Check Before You Invest : Kalyan Capitals Ltd

Snapshot

Q.1 Which industry/sub-sector does Kalyan Capitals Ltd belong to?

Kalyan Capitals Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q.2 Is Kalyan Capitals Ltd a good quality company?

Kalyan Capitals Ltd is a quality company, based on a 10-year financial track record.

Q.3 Is Kalyan Capitals Ltd undervalued or overvalued?

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

Q.4 Is Kalyan Capitals Ltd a good buy now?

Kalyan Capitals 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 Kalyan Capitals Ltd?

Kalyan Capitals Ltd Operating Income growth is -4.56% for FY-2025, which is below its 5-year CAGR of 109.68%, indicating slower growth.

Q.2 Return on Assets of Kalyan Capitals Ltd?

Kalyan Capitals Ltd Return on Asset is 0.9%, which is in line with its 5-year historical median of 0.9%, indicating stable earnings on assets.

	Current Level	5-year Historic Median
NPM%	8.41	11.07
PPOP%	-11.28	17.35
RoA%	0.9	0.9

Q.3 Return on Equity (ROE) of Kalyan Capitals Ltd?

Kalyan Capitals Ltd Return on Equity is 4.9% for FY-2025, which is above its 5-year historical median of 4.4%, indicating the business is making better use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Kalyan Capitals Ltd?

Kalyan Capitals Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -11.28% for FY-2025, which is below its 5-year median(17.35%), indicating decreasing margins.

Q.5 Net Profit Margin of Kalyan Capitals Ltd?

Kalyan Capitals 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 8.41% for FY-2025, which is below its 5-year median( 11.07%), indicating decreasing margins.

Q.6 Total Asset growth of Kalyan Capitals Ltd?

Kalyan Capitals Ltd Total Asset growth is 42.79% for FY-2025, which is below its 5-year CAGR of 58.55%, indicating slower growth.

Q.7 Capital Adequacy ratio of Kalyan Capitals Ltd?

Kalyan Capitals Ltd Capital Adequacy ratio (CAR) is 3.6% for FY-2025, which is below the regulatory requirement of 15%, indicating adequate capital position.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Kalyan Capitals Ltd?

Promoters hold 67.61% of the Kalyan Capitals Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of Kalyan Capitals Ltd vs Industry Peers?

Kalyan Capitals Ltd AUM CAGR is 58.55%, compared to the 5-year industry median CAGR of 9.9%, indicating faster growth and gaining its market share.

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

Kalyan Capitals Ltd profit metrics are below the industry median level of 7.31%, indicating weaker profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM%	8.41	15.95
PPOP%	-11.28	4.54
RoA%	0.9	1.45

Q.3 Operating efficiency of Kalyan Capitals Ltd vs industry peers?

Kalyan Capitals Ltd ROCE (10.1) is above the industry median of (4.4); while the current ROE (4.4) 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%	8.41	15.95
PPOP%	-11.28	4.54
RoA%	0.9	1.45
ROCE%	10.1	4.4
ROE%	4.9	2.7

Valuation & price assessment

Q.1 Stock return of Kalyan Capitals Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 10.9% based on the current price.

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

	9Y	5Y	3Y	1Y
Share Price CAGR	10.9%	-0.2%	-24.7%	-12.3%

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	51.56	57.74	28.96
Price to Book	1.1	2.28	1.11
Price to Sales	1.46	7.19	9.10
EV to EBITDA	12.14	12.15	11.77

Q.4 Valuation ratios of Kalyan Capitals Ltdvs historical and industry averages?

The current Price to book ratio (P/B) 1.1% is lower than its historical median of 2.28%, 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?

Kalyan Capitals Ltd return on invested capital (ROIC) is 7.13% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

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