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INVESTMENT INSIGHTS

Check Before You Invest : Premium Capital Market & Investment Ltd

BSE: 511660 NSE: ISIN: INE555D01019
  |   Sector:  BFSI   |   Industry:  Finance - Investment

Snapshot

Q.1 Which industry/sub-sector does Premium Capital Market & Investment Ltd belong to?
Premium Capital Market & Investment Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.
Q.2 Is Premium Capital Market & Investment Ltd a good quality company?
Premium Capital Market & Investment Ltd is a quality company, based on a multi-year financial track record.

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.

Q.3 Is Premium Capital Market & Investment Ltd undervalued or overvalued?
Premium Capital Market & Investment Ltd appears Fair, as its key valuation ratios are in line with their past 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 - -
Price to Book -7.55 1.31
Price to Sales 0.43 17.64
EV to EBITDA -20.62 -26.33
Q.4 Is Premium Capital Market & Investment Ltd a good buy now?
Premium Capital Market & Investment 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

We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

A: What are the trends in income and profitability?

Q.1 Total Income growth of Premium Capital Market & Investment Ltd?
Premium Capital Market & Investment Ltd Operating Income growth is 1185.36% for FY-2025, which is above its 5-year CAGR of 244.14%, indicating faster growth.

Q.2 Return on Assets of Premium Capital Market & Investment Ltd?
Premium Capital Market & Investment Ltd Return on Asset is -62.2%, which is below its 5-year historical median of -42.2%, indicating deteriorated earnings on assets.
Current Level 5-year
Historic Median
NPM (%) -5.1 -55.06
PPOP (%) 121.43 121.43
RoA (%) -62.2 -42.2

Q.3 Return on Equity (ROE) of Premium Capital Market & Investment Ltd?
Premium Capital Market & Investment Ltd Return on Equity is 0% for FY-2025, which is below its 5-year historical median of 1.1%, indicating the business is making worse use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Premium Capital Market & Investment Ltd?
Premium Capital Market & Investment Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 121.43% for FY-2025, which is in line with its 5-year median(121.43%), indicating stable margins.

Q.5 Net Profit Margin of Premium Capital Market & Investment Ltd?
Premium Capital Market & Investment 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 -5.1% for FY-2025, which is above its 5-year median( -55.06%), indicating increasing margins.

Q.6 Does its ROIC exceed its WACC?
Premium Capital Market & Investment Ltd return on invested capital (ROIC) is 68.91% for FY-2025, is higher than its estimated weighted average cost of capital (WACC) of 14%, indicating value creation.

B: Does the bank grow efficiently and manage its operating costs?

Q.7 Total Asset growth of Premium Capital Market & Investment Ltd?
Premium Capital Market & Investment Ltd Total Asset growth is 372% for FY-2025, which is above its 5-year CAGR of 17.36%, indicating faster growth.

Ownership & governance

D: Promoter shareholding and pledge status of Premium Capital Market & Investment Ltd?

Q.1 Promoter shareholding and pledge status of Premium Capital Market & Investment Ltd?
Promoters hold 24.25% of the Premium Capital Market & Investment Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Premium Capital Market & Investment Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Premium Capital Market & Investment Ltd vs Industry Peers?
Premium Capital Market & Investment Ltd AUM CAGR is 17.36%, compared to the 5-year industry median CAGR of 9.27%, indicating faster growth and gaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Premium Capital Market & Investment Ltd vs industry peers
Premium Capital Market & Investment Ltd profit metrics are in line with the industry median level of -1.27%, indicating similar profitability compared to peers.
Profit Metrics
Current Level 5-year
Industry Median
NPM (%) -5.1 3.12
PPOP (%) 121.43 -7.72
RoA (%) -62.2 0.8

Q.3 Operating efficiency of Premium Capital Market & Investment Ltd vs industry peers?
Premium Capital Market & Investment Ltd ROCE (0) is below the industry median of (1.8); while the current ROE (1.1) are above than the 5-year average Industry ROE (0.9). This shows that the business is positioned in the middle quartile of the industry.
Operating Efficiency
Current Level 5-year
Industry Median
NPM (%) -5.1 3.12
PPOP (%) 121.43 -7.72
RoA (%) -62.2 0.8
ROCE (%) - 1.8
ROE (%) - 0.9

Valuation & price assessment

Q.1 Stock return of Premium Capital Market & Investment Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 23.5% based on the current price.
9Y 5Y 3Y 1Y
Share Price
CAGR		 23.5% 52.5% 102.1% 47%
Q.2 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 - - 33.75
Price to Book -7.55 1.31 0.95
Price to Sales 0.43 17.64 12.43
EV to EBITDA -20.62 -26.33 10.00
Q.3 Valuation ratios of Premium Capital Market & Investment Ltd vs historical and industry averages?
The current Price-to-Book (P/B) ratio of -7.55 is lower than its historical median of 1.31, indicating that the stock is trading below its historical average valuation.

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