INVESTMENT INSIGHTS
This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.
Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more.
| Valuation Ratios | Current | 5-year Historic Median |
|---|---|---|
| Price to Earnings | 12.08 | 16.41 |
| Price to Book | 0.28 | 0.26 |
| Price to Sales | 12.31 | 8.25 |
| EV to EBITDA | 7.93 | 18.11 |
We have analysed the performance of the company on the following:
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
By checking its Total Asset growth.
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.
A: What are the trends in income and profitability?
| Current Level | 5-year Historic Median |
|
|---|---|---|
| NPM (%) | 18.74 | -14.07 |
| PPOP (%) | -9.94 | -9.94 |
| RoA (%) | 0.5 | -0.6 |
B: Does the bank grow efficiently and manage its operating costs?
D: Promoter shareholding and pledge status of KJMC Financial Services Ltd?
E: How does KJMC Financial Services Ltd performance compare with that of its Peers?
| Current Level | 5-year Industry Median |
|
|---|---|---|
| NPM (%) | 18.74 | 13.28 |
| PPOP (%) | -9.94 | 3.23 |
| RoA (%) | 0.5 | 1.5 |
| Current Level | 5-year Industry Median |
|
|---|---|---|
| NPM (%) | 18.74 | 13.28 |
| PPOP (%) | -9.94 | 3.23 |
| RoA (%) | 0.5 | 1.5 |
| ROCE (%) | 1.4 | - |
| ROE (%) | 0.6 | 2.2 |
| 9Y | 5Y | 3Y | 1Y | |
|---|---|---|---|---|
| Share Price CAGR |
14.7% | 12.8% | 7.5% | -28.3% |
| Valuation Ratios | Current | 5-year Historic Median |
5-year Industry Median |
|---|---|---|---|
| Price to Earnings | 12.08 | 16.41 | 29.12 |
| Price to Book | 0.28 | 0.26 | 1.11 |
| Price to Sales | 12.31 | 8.25 | 9.10 |
| EV to EBITDA | 7.93 | 18.11 | 11.77 |
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Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
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Name of the IA registered
with SEBI: |
The Alchemists Ark Pvt. Ltd. |
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Logo:
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Trade/Brand
Name of IA: |
MoneyWorks4Me Investment Advisers |
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Brand Logo:
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SEBI Registration Number:
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INA000013323 Validity – May 16, 2019 – Perpetual |
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Registration:
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Non-Individual |
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BSE Enlistment No:
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1187 |
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Address:
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B-101, Signet Corner Building, Balewadi Phata, Baner, Pune, Maharashtra 411045 |
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Compliance Officer
Details: |
Name: Shrikant Jagtap Email: shrikant.jagtap@moneyworks4me.com |
Telephone: +919860359463 Address: Same as IA |
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Grievance Officer
Details: |
Name: Mukta Vaze Email: mukta.vaze@moneyworks4me.com |
Telephone: +919860919463 Address: Same as IA |
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Principal Officer
Details: |
Name: Atharva Bhide Email: atharva.bhide@moneyworks4me.com |
Telephone: +919175899463 Address: Same as IA |
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Standard Warning:
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Investment in securities market are subject to market risks. Read all the related documents carefully before investing. |
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Disclaimer:
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Registration granted by SEBI, enlistment with exchange and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors. |
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