Check Before You Invest : Pulsar International Ltd

Snapshot

Q.1 Which industry/sub-sector does Pulsar International Ltd belong to?

Pulsar International Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q.2 Is Pulsar International Ltd a good quality company?

Pulsar International Ltd is a quality company, based on a 10-year financial track record.

Q.3 Is Pulsar International Ltd undervalued or overvalued?

Pulsar International Ltd appears Undervalued, as its key valuation ratios are below with their past averages.

Q.4 Is Pulsar International Ltd a good buy now?

Pulsar International 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 Pulsar International Ltd?

Pulsar International Ltd Operating Income growth is 57.58% for FY-2025, which is below its 5-year CAGR of 183.57%, indicating slower growth.

Q.2 Return on Assets of Pulsar International Ltd?

Pulsar International Ltd Return on Asset is 8.8%, which is above its 5-year historical median of 3%, indicating improved earnings on assets.

	Current Level	5-year Historic Median
NPM%	5.66	5.66
PPOP%	-28.06	16.67
RoA%	8.8	3

Q.3 Return on Equity (ROE) of Pulsar International Ltd?

Pulsar International Ltd Return on Equity is 15.6% for FY-2025, which is above its 5-year historical median of 3.5%, indicating the business is making better use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Pulsar International Ltd?

Pulsar International Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -28.06% for FY-2025, which is below its 5-year median(16.67%), indicating decreasing margins.

Q.5 Net Profit Margin of Pulsar International Ltd?

Pulsar International 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 5.66% for FY-2025, which is in line with its 5-year median( 5.66%), indicating stable margins.

Q.6 Total Asset growth of Pulsar International Ltd?

Pulsar International Ltd Total Asset growth is 117.39% for FY-2025, which is above its 5-year CAGR of 48.27%, indicating faster growth.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Pulsar International Ltd?

Promoters hold 2.53% of the Pulsar International Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of Pulsar International Ltd vs Industry Peers?

Pulsar International Ltd AUM CAGR is 48.27%, compared to the 5-year industry median CAGR of 9.9%, indicating faster growth and gaining its market share.

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

Pulsar International Ltd profit metrics are in line with the industry median level of 7.19%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM%	5.66	15.95
PPOP%	-28.06	4.17
RoA%	8.8	1.45

Q.3 Operating efficiency of Pulsar International Ltd vs industry peers?

Pulsar International Ltd ROCE (3) is below the industry median of (4.4); while the current ROE (3.5) are above than the 5-year average Industry ROE (2.7). This shows that the business is positioned in the middle quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM%	5.66	15.95
PPOP%	-28.06	4.17
RoA%	8.8	1.45
ROCE%	15.4	4.4
ROE%	15.6	2.7

Valuation & price assessment

Q.1 Stock return of Pulsar International Ltd over the last decade?

Over the last 5 years, the stock has delivered a CAGR of 53.58% based on the current price.

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

	9Y	5Y	3Y	1Y
Share Price CAGR	-	53.6%	-49.8%	-83.5%

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	12.2	37.61	28.96
Price to Book	0.81	3.24	1.11
Price to Sales	0.66	6.06	9.10
EV to EBITDA	11.02	29.17	11.77

Q.4 Valuation ratios of Pulsar International Ltdvs historical and industry averages?

The current Price to book ratio (P/B) 0.81% is lower than its historical median of 3.24%, indicating that at the current price the stock is undervalued. However, you need a deeper analysis to make a better judgement.

Strategic outlook

Q.1 Does its ROIC exceed its WACC?

Pulsar International Ltd return on invested capital (ROIC) is 15.21% for FY-2025, is higher than its estimated weighted average cost of capital (WACC) of 14%, indicating value creation.

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