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INVESTMENT INSIGHTS

Check Before You Invest : Raymond Lifestyle Ltd

BSE: 544240 NSE: RAYMONDLSL ISIN: INE02ID01020
  |   Sector:  Textiles & Apparels   |   Industry:  Textile

Snapshot

Q.1 Which industry/sub-sector does Raymond Lifestyle Ltd belong to?
Raymond Lifestyle Ltd belongs to the Textiles & Apparels sector, operating specifically within the Textile segment.
Q.2 Is Raymond Lifestyle Ltd a good quality company?
Raymond Lifestyle Ltd is a average quality company, based on a somewhat consistent multi-year financial track record.

This assessment is based on company’s performance on Revenue growth, ROCE, Equity and Assets, key margin ratios, cash conversion cycle, and debt to cash flow from operations and how it compares with its long term averages.

Q.3 Is Raymond Lifestyle Ltd undervalued or overvalued?
Raymond Lifestyle Ltd appears Overvalued, as its key valuation ratios are higher than 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 3-year
Historic Median
Price to Earnings 92.89 92.04
Price to Book 0.5 0.72
Price to Sales 0.9 1.50
EV to EBITDA 7.63 14.84
Q.4 Is Raymond Lifestyle Ltd a good buy now?
Raymond Lifestyle Ltd is a neutral opportunity now, based on stable price trend analysis suggesting prices may move sideways. 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 Revenue growth, Gross, Operating and Net Margins compared to its last 5-year median.

  • How efficiently has it utilized Capital?

    By checking its ROCE, ROA, ROE and its Cash Conversion Cycle.

  • How is it managing its Debt?

    By checking its Debt to Equity and Cash Flow from Operations.

A: What are the trends in revenue and profit margins?

Q.1 Revenue growth of Raymond Lifestyle Ltd?
Raymond Lifestyle Ltd revenue growth is 5,552.4% for FY-2025, which is below its 3-year CAGR of 251.17%, indicating slower growth.

Q.2 Gross Profit margin of Raymond Lifestyle Ltd?
Raymond Lifestyle Ltd Gross profit margin which is the profit after deduction of direct costs, is 6.7% for FY-2025, which is below its 3-year median of 27.2%, indicating decreasing margins.

Q.3 Operating Profit Margin of Raymond Lifestyle Ltd?
Raymond Lifestyle Ltd Operating Profit Margin which is the profit after deduction of all operating costs, is 7.79% for FY-2025, which is in line with its 3-year median of 7.79% indicating stable margins.

Q.4 Net Profit Margin of Raymond Lifestyle Ltd?
Raymond Lifestyle Ltd Net Profit Margin is -0.19% for FY-2025, is below its 3-year median of 17.78%, indicating decreasing margins.
Current Level 3-year
Historic Median
Gross Profit Margin (%) 6.7 27.2
Operating Profit Margin (%) 7.79 7.79
Net Profit Margin (%) -0.19 17.78

B: Does the business utilize capital efficiently?

Q.5 Return on Asset of Raymond Lifestyle Ltd?
Raymond Lifestyle Ltd Return on Asset is -0.12%, which is below its 3-year historical median of 6.76%, indicating deteriorated asset utilization efficiency.

Q.6 Return on capital employed (ROCE) of Raymond Lifestyle Ltd?
Raymond Lifestyle Ltd Return on capital employed is 2.8% for FY-2025, which is below its 3-year historical median of 15.6%. The current ROCE is below its estimated weighted average cost of capital (WACC) of 13.5%, indicating value preservation.

Q.7 Return on Equity (ROE) of Raymond Lifestyle Ltd?
Raymond Lifestyle Ltd Return on equity is -0.15% for FY-2025, which is below its 3-year historical median of 11.69%, indicating the business is making worse use of its shareholders capital.

Q.8 Cash conversion cycle of Raymond Lifestyle Ltd?
Raymond Lifestyle Ltd Cash conversion cycle is 29 days, above its 3-year historical median of -0 days, indicating deteriorated working capital management. However, you need to compare this with its peers in the industry.
Current Level 3-year
Historic Median
Asset Turnover (x) 0.65 0.38
ROE (%) -0.15 11.69
ROCE (%) 2.8 15.6
Cash Conversion Cycle 29 days -

C: How much debt does the business have and is it at a sustainable level?

Q.9 Debt to Equity ratio of Raymond Lifestyle Ltd?
Raymond Lifestyle Ltd Debt-to-Equity ratio is 0.10, which is lower the industry average of 0.42, indicating lower debt levels in the industry.

Q.10 Debt to cash flow from operations of Raymond Lifestyle Ltd?
Raymond Lifestyle Ltd Debt to cash flow from operations is 1.9, which is at a moderate level.

Ownership & governance

D: Promoter shareholding and pledge status of Raymond Lifestyle Ltd?

Q.1 Promoter shareholding and pledge status of Raymond Lifestyle Ltd?
Promoters hold 59.53% of the Raymond Lifestyle Ltd, with 20.84% of their stake pledged, indicating high pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Raymond Lifestyle Ltd performance compare with that of its Peers?

Q.1 Revenue growth of Raymond Lifestyle Ltd vs industry peers?
Raymond Lifestyle Ltd revenue CAGR is 251.17%, compared to the industry median CAGR of 1.00%, indicating faster growth and gaining its market share.
Profit Metrics
Current Level 3-year
Industry Median
Revenue Growth (%) 5 1
Gross Profit Growth (%) 60.2 6.8
Operating Profit Growth (%) 0 6.1
Net Profit Growth (%) -106.2 10
Operating Efficiency
Current Level 3-year
Industry Median
Asset Turnover (x) 0.65 0.97
ROE (%) -0.15 4.83
ROCE (%) 2.8 7.46
Cash Conversion Cycle (days) 29.13 101

Valuation & price assessment

Q.1 Stock return of Raymond Lifestyle Ltd over the last decade?
Over the last 1 year(s), the stock has delivered a CAGR of -17.66% based on the current price.
9Y 5Y 3Y 1Y
Share Price
CAGR		 - - - -17.7%
Q.2 Valuation ratios of Raymond Lifestyle Ltd vs historical?
The current P/E ratio of 92.89 is in line with than its historical median of 92.04, indicating that the stock is trading near its historical average valuation.
Q.3 How do the current valuation ratios compare with 3-year historical median and industry numbers?
Valuation Ratios Current 3-year
Historic Median		 3-year
Industry Median
Price to Earnings 92.89 92.04 21.85
Price to Book 0.5 0.72 1.39
Price to Sales 0.9 1.50 1.29
EV to EBITDA 7.63 14.84 10.21

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