Check Before You Invest : Panache Digilife Ltd

Snapshot

Q.1 Which industry/sub-sector does Panache Digilife Ltd belong to?

Panache Digilife Ltd belongs to the Consumer Durables sector, operating specifically within the IT - Hardware segment.

Q.2 Is Panache Digilife Ltd a good quality company?

Panache Digilife Ltd is a average quality company, based on a somewhat consistent 10-year financial track record.

Q.3 Is Panache Digilife Ltd undervalued or overvalued?

Panache Digilife Ltd appears Somewhat overvalued, as its key valuation ratios are above with their past averages.

Q.4 Is Panache Digilife Ltd a good buy now?

Panache Digilife Ltd is a good buy now, based on strong price trend analysis suggesting prices may rise. However, you need to check its quality and valuation before making a decision

Performance Analysis

Q.1 Revenue growth of Panache Digilife Ltd?

Panache Digilife Ltd revenue growth is 20.1% for FY-2025, which is above its 5-year CAGR of 10.22%, indicating faster growth.

Q.2 Return on capital employed (ROCE) of Panache Digilife Ltd?

Panache Digilife Ltd Return on capital employed is 13.14% for FY-2025, which is above its 5-year historical median of 10.7%. The current ROCE is below its estimated weighted average cost of capital (WACC) of 14%, indicating value preservation.

Q.3 Return on Asset of Panache Digilife Ltd?

Panache Digilife Ltd Return on Asset is 5.46%, which is above its 5-year historical median of 2.64%, indicating improved asset utilization efficiency.

Q.4 Return on Equity (ROE) of Panache Digilife Ltd?

Panache Digilife Ltd Return on equity is 11.1% for FY-2025, which is above its 5-year historical median of 6.26%, indicating the business is making better use of its shareholders capital.

Q.5 Cash conversion cycle of Panache Digilife Ltd?

Panache Digilife Ltd Cash conversion cycle is 180 days, in line with its 5-year historical median of 180 days, indicating stable working capital management. However, you need to compare this with its peers in the industry.

	Current Level	5-year Historic Median
Asset Turnover	1.08	1.08
ROE	11.1	6.26
ROCE	13.14	10.7
Cash Conversion Cycle	180 days	180 days

Q.6 Gross Profit margin of Panache Digilife Ltd?

Panache Digilife Ltd Gross profit margin which is the profit after deduction of direct costs, is 7.5% for FY-2025, which is above its 5-year median of 6%, indicating increasing margins.

Q.7 Operating Profit Margin of Panache Digilife Ltd?

Panache Digilife Ltd Operating Profit Margin which is the profit after deduction of all operating costs, is 9.19% for FY-2025, which is above its 5-year median of 6.6% indicating increasing margins.

Q.8 Net Profit Margin of Panache Digilife Ltd?

Panache Digilife Ltd Net Profit Margin is 5.05% for FY-2025, is above with its 5-year median of 2.44%, indicating increasing margins.

	Current Level	5-year Historic Median
Gross Profit Margin	7.5	6
Operating Profit Margin	9.19	6.6
Net Profit Margin	5.05	2.44

Q.9 Debt to Equity ratio of Panache Digilife Ltd?

Panache Digilife Ltd Debt-to-Equity ratio is 0.30, which is lower with the industry average of 0.53, indicating lower debt levels in the industry.

Q.10 Debt to cash flow from operations of Panache Digilife Ltd?

Panache Digilife Ltd Debt to cash flow from operations is -1.6, which is at a unhealthy level.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Panache Digilife Ltd?

Promoters hold 54.05% of the Panache Digilife Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 Revenue growth of Panache Digilife Ltd vs industry peers?

Panache Digilife Ltd revenue CAGR is 10.22%, compared to the industry median CAGR of 12.66%, indicating slower growth and losing its market share.

Profit Metrics

	Current Level	5-year Industry Median
Revenue Growth	20.1	12.7
Gross Profit Growth	50	29.1
Operating Profit Growth	83.3	33.6
Net Profit Growth	0	34.8

Operating Efficiency

	Current Level	5-year Industry Median
Asset Turnover	1.08	0.71
ROE	11.1	6.95
ROCE	13.14	7.84
Cash Conversion Cycle (days)	180.34	70

Valuation & price assessment

Q.1 Stock return of Panache Digilife Ltd over the last decade?

Over the last 5 year(s), the stock has delivered a CAGR of 44.69% based on the current price.

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

	9Y	5Y	3Y	1Y
Share Price CAGR	-	44.7%	81.6%	36.3%

Q.3 Valuation ratios of Panache Digilife Ltd vs historical?

The current P/E is lower that its historical median.

Q.4 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	37.99	62.17	36.44
Price to Book	5.37	2.69	1.97
Price to Sales	2.51	1.17	2.97
EV to EBITDA	21.55	18.24	15.45

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