Check Before You Invest : PH Capital Ltd

BSE: 500143 NSE: ISIN: INE160F01013

| Sector: BFSI | Industry: Finance - Investment

Snapshot

Q.1 Which industry/sub-sector does PH Capital Ltd belong to?

PH Capital Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.

Q.2 Is PH Capital Ltd a good quality company?

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

Q.3 Is PH Capital Ltd undervalued or overvalued?

PH Capital Ltd appears Overvalued, as its key valuation ratios are above with their past averages.

Q.4 Is PH Capital Ltd a good buy now?

PH Capital 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 PH Capital Ltd?

PH Capital Ltd Operating Income growth is 14.98% for FY-2025, which is below its 5-year CAGR of 25.71%, indicating slower growth.

Q.2 Return on Assets of PH Capital Ltd?

PH Capital Ltd Return on Asset is 13.9%, which is below its 5-year historical median of 40.4%, indicating deteriorated earnings on assets.

	Current Level	5-year Historic Median
NPM%	4.23	12.46
PPOP%	-60.71	-128.57
RoA%	13.9	40.4

Q.3 Return on Equity (ROE) of PH Capital Ltd?

PH Capital Ltd Return on Equity is 15.6% for FY-2025, which is below its 5-year historical median of 47.6%, indicating the business is making worse use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of PH Capital Ltd?

PH Capital Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -60.71% for FY-2025, which is above its 5-year median(-128.57%), indicating increasing margins.

Q.5 Net Profit Margin of PH Capital Ltd?

PH Capital 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 4.23% for FY-2025, which is below its 5-year median( 12.46%), indicating decreasing margins.

Q.6 Total Asset growth of PH Capital Ltd?

PH Capital Ltd Total Asset growth is 26% for FY-2025, which is below its 5-year CAGR of 44.5%, indicating slower growth.

Ownership & governance

Q.1 Promoter shareholding and pledge status of PH Capital Ltd?

Promoters hold 72.70% of the PH Capital Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of PH Capital Ltd vs Industry Peers?

PH Capital Ltd AUM CAGR is 44.5%, 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 PH Capital Ltd vs industry peers

PH Capital 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%	4.23	9.95
PPOP%	-60.71	-13.31
RoA%	13.9	0.8

Q.3 Operating efficiency of PH Capital Ltd vs industry peers?

PH Capital Ltd ROCE (59.5) is above the industry median of (1.9); while the current ROE (47.6) 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%	4.23	9.95
PPOP%	-60.71	-13.31
RoA%	13.9	0.8
ROCE%	21.8	1.9
ROE%	15.6	1.2

Valuation & price assessment

Q.1 Stock return of PH Capital Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 40.9% based on the current price.

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

	9Y	5Y	3Y	1Y
Share Price CAGR	40.9%	90.8%	120.8%	272.8%

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	66.66	3.35	33.72
Price to Book	3.75	0.90	0.94
Price to Sales	1.91	0.31	12.44
EV to EBITDA	37.28	1.85	9.97

Q.4 Valuation ratios of PH Capital Ltdvs historical and industry averages?

The current Price to book ratio (P/B) 3.75% is higher than its historical median of 0.90%, 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?

PH Capital Ltd return on invested capital (ROIC) is 15.84% for FY-2025, is higher than its estimated weighted average cost of capital (WACC) of 14%, indicating value creation.

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