Check Before You Invest : Peoples Investments Ltd

BSE: 501144 NSE: ISIN: INE644U01015

| Sector: BFSI | Industry: Finance - Investment

Snapshot

Q.1 Which industry/sub-sector does Peoples Investments Ltd belong to?

Peoples Investments Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.

Q.2 Is Peoples Investments Ltd a good quality company?

Peoples Investments Ltd is a quality company, based on a 10-year financial track record.

Q.3 Is Peoples Investments Ltd undervalued or overvalued?

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

Q.4 Is Peoples Investments Ltd a good buy now?

Peoples Investments 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 Peoples Investments Ltd?

Peoples Investments Ltd Operating Income growth is -16.67% for FY-2025, which is below its 5-year CAGR of -16.06%, indicating slower growth.

Q.2 Return on Assets of Peoples Investments Ltd?

Peoples Investments Ltd Return on Asset is -65.8%, which is below its 5-year historical median of -4.1%, indicating deteriorated earnings on assets.

	Current Level	5-year Historic Median
NPM%	-42.49	-2.96
PPOP%	-	-
RoA%	-65.8	-4.1

Q.3 Return on Equity (ROE) of Peoples Investments Ltd?

Peoples Investments Ltd Return on Equity is -70.1% for FY-2025, which is below its 5-year historical median of -4.3%, indicating the business is making worse use of its shareholders capital.

Q.4 Net Profit Margin of Peoples Investments Ltd?

Peoples Investments 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 -42.49% for FY-2025, which is below its 5-year median( -2.96%), indicating decreasing margins.

Q.5 Total Asset growth of Peoples Investments Ltd?

Peoples Investments Ltd Total Asset growth is -50% for FY-2025, which is below its 5-year CAGR of -19.73%, indicating slower growth.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Peoples Investments Ltd?

Promoters hold 8.50% of the Peoples Investments Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of Peoples Investments Ltd vs Industry Peers?

Peoples Investments Ltd AUM CAGR is -19.73%, compared to the 5-year industry median CAGR of 9.45%, indicating slower growth and losing its market share.

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

Peoples Investments Ltd profit metrics are in line with the industry median level of -0.85%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM%	-42.49	9.95
PPOP%	-	-13.31
RoA%	-65.8	0.8

Q.3 Operating efficiency of Peoples Investments Ltd vs industry peers?

Peoples Investments Ltd ROCE (-4.2) is below the industry median of (1.9); while the current ROE (-4.3) are below than the 5-year average Industry ROE (1.2). This shows that the business is positioned in the bottom quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM%	-42.49	9.95
PPOP%	-	-13.31
RoA%	-65.8	0.8
ROCE%	-70.1	1.9
ROE%	-70.1	1.2

Valuation & price assessment

Q.1 Stock return of Peoples Investments Ltd over the last decade?

Over the last 5 years, the stock has delivered a CAGR of 71.58% based on the current price.

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

	9Y	5Y	3Y	1Y
Share Price CAGR	-	71.6%	145.9%	21.6%

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	-	29.67	33.72
Price to Book	124.5	21.08	0.94
Price to Sales	56.71	5.04	12.44
EV to EBITDA	-991.75	-154.32	9.97

Q.4 Valuation ratios of Peoples Investments Ltdvs historical and industry averages?

The current Price to book ratio (P/B) 124.5% is higher than its historical median of 21.08%, indicating that at the current price the stock is overvalued. However, you need a deeper analysis to make a better judgement.

Strategic outlook

Q.1 Does its ROIC exceed its WACC?

Peoples Investments Ltd return on invested capital (ROIC) is -70.14% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

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