Check Before You Invest : RattanIndia Enterprises Ltd

Q: Which industry/sub-sector does RattanIndia Enterprises Ltd belong to?

RattanIndia Enterprises Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.

Q: Is RattanIndia Enterprises Ltd a good quality company?

RattanIndia Enterprises Ltd is a weak quality company, based on a inconsistent 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: Is RattanIndia Enterprises Ltd undervalued or overvalued?

RattanIndia Enterprises 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. Price to Earnings, Current: -, Historic Median: 11.96. Price to Book, Current: 5.42, Historic Median: 9.04. Price to Sales, Current: 0.59, Historic Median: 1.44. EV to EBITDA, Current: -16.34, Historic Median: 10.90

Q: Is RattanIndia Enterprises Ltd a good buy now?

RattanIndia Enterprises 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

Q: Total Income growth of RattanIndia Enterprises Ltd?

RattanIndia Enterprises Ltd Operating Income growth is 11.01% for FY-2025, which is above its 5-year CAGR of NA%, indicating faster growth.

Q: Return on Assets of RattanIndia Enterprises Ltd?

RattanIndia Enterprises Ltd Return on Asset is 3%, which is in line with its 5-year historical median of 3%, indicating stable earnings on assets. Efficiency & Key Metrics. NPM (%), Current: 1.18, Historic Median: 6.86. PPOP (%), Current: -64.68, Historic Median: -100. RoA (%), Current: 3, Historic Median: 3

Q: Return on Equity (ROE) of RattanIndia Enterprises Ltd?

RattanIndia Enterprises Ltd Return on Equity is 9.2% for FY-2025, which is in line with its 5-year historical median of 9.2%, indicating the business is making similar use of its shareholders capital.

Q: Pre-provisioning operating profit margin of RattanIndia Enterprises Ltd?

RattanIndia Enterprises Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -64.68% for FY-2025, which is above its 5-year median(-100%), indicating increasing margins.

Q: Net Profit Margin of RattanIndia Enterprises Ltd?

RattanIndia Enterprises 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 1.18% for FY-2025, which is below its 5-year median( 6.86%), indicating decreasing margins.

Q: Does its ROIC exceed its WACC?

RattanIndia Enterprises Ltd return on invested capital (ROIC) is 7.71% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 13.5%, indicating value erosion.

Check Before You Invest : RattanIndia Enterprises Ltd

Snapshot

Q.1 Which industry/sub-sector does RattanIndia Enterprises Ltd belong to?

RattanIndia Enterprises Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.

Q.2 Is RattanIndia Enterprises Ltd a good quality company?

RattanIndia Enterprises Ltd is a weak quality company, based on a inconsistent 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 RattanIndia Enterprises Ltd undervalued or overvalued?

RattanIndia Enterprises 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	-	11.96
Price to Book	5.42	9.04
Price to Sales	0.59	1.44
EV to EBITDA	-16.34	10.90

Q.4 Is RattanIndia Enterprises Ltd a good buy now?

RattanIndia Enterprises 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 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 RattanIndia Enterprises Ltd?

RattanIndia Enterprises Ltd Operating Income growth is 11.01% for FY-2025, which is above its 5-year CAGR of NA%, indicating faster growth.

Q.2 Return on Assets of RattanIndia Enterprises Ltd?

RattanIndia Enterprises Ltd Return on Asset is 3%, which is in line with its 5-year historical median of 3%, indicating stable earnings on assets.

	Current Level	5-year Historic Median
NPM (%)	1.18	6.86
PPOP (%)	-64.68	-100
RoA (%)	3	3

Q.3 Return on Equity (ROE) of RattanIndia Enterprises Ltd?

RattanIndia Enterprises Ltd Return on Equity is 9.2% for FY-2025, which is in line with its 5-year historical median of 9.2%, indicating the business is making similar use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of RattanIndia Enterprises Ltd?

RattanIndia Enterprises Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -64.68% for FY-2025, which is above its 5-year median(-100%), indicating increasing margins.

Q.5 Net Profit Margin of RattanIndia Enterprises Ltd?

RattanIndia Enterprises 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 1.18% for FY-2025, which is below its 5-year median( 6.86%), indicating decreasing margins.

Q.6 Does its ROIC exceed its WACC?

RattanIndia Enterprises Ltd return on invested capital (ROIC) is 7.71% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 13.5%, indicating value erosion.

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

Q.7 Total Asset growth of RattanIndia Enterprises Ltd?

RattanIndia Enterprises Ltd Total Asset growth is -2.19% for FY-2025, which is below its 5-year CAGR of 98.66%, indicating slower growth.

Ownership & governance

D: Promoter shareholding and pledge status of RattanIndia Enterprises Ltd?

Q.1 Promoter shareholding and pledge status of RattanIndia Enterprises Ltd?

Promoters hold 74.87% of the RattanIndia Enterprises Ltd, with 13.86% of their stake pledged, indicating high pledge risk.

Peer comparison (industry-wise, mcap)

E: How does RattanIndia Enterprises Ltd performance compare with that of its Peers?

Q.1 AUM Growth of RattanIndia Enterprises Ltd vs Industry Peers?

RattanIndia Enterprises Ltd AUM CAGR is 98.66%, 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 RattanIndia Enterprises Ltd vs industry peers

RattanIndia Enterprises 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 (%)	1.18	3.12
PPOP (%)	-64.68	-7.72
RoA (%)	3	0.8

Q.3 Operating efficiency of RattanIndia Enterprises Ltd vs industry peers?

RattanIndia Enterprises Ltd ROCE (13) is above the industry median of (1.8); while the current ROE (9.2) are above than the 5-year average Industry ROE (0.9). This shows that the business is positioned in the top quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM (%)	1.18	3.12
PPOP (%)	-64.68	-7.72
RoA (%)	3	0.8
ROCE (%)	13	1.8
ROE (%)	9.2	0.9

Valuation & price assessment

Q.1 Stock return of RattanIndia Enterprises Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 24.7% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	24.7%	13.8%	-2.6%	-28.3%

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	-	11.96	33.75
Price to Book	5.42	9.04	0.95
Price to Sales	0.59	1.44	12.43
EV to EBITDA	-16.34	10.90	10.00

Q.3 Valuation ratios of RattanIndia Enterprises Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of 5.42 is lower than its historical median of 9.04, indicating that the stock is trading below its historical average valuation.

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Check Before You Invest : RattanIndia Enterprises Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

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Check trending companies

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