Check Before You Invest : Stanrose Mafatlal Investments & Finance Ltd

BSE: 506105 NSE: ISIN: INE441L01015

| Sector: BFSI | Industry: Finance - Investment

Snapshot

Q.1 Which industry/sub-sector does Stanrose Mafatlal Investments & Finance Ltd belong to?

Stanrose Mafatlal Investments & Finance Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.

Q.2 Is Stanrose Mafatlal Investments & Finance Ltd a good quality company?

Stanrose Mafatlal Investments & Finance Ltd is a quality company, based on a 10-year financial track record.

Q.3 Is Stanrose Mafatlal Investments & Finance Ltd undervalued or overvalued?

Stanrose Mafatlal Investments & Finance Ltd appears Fair, as its key valuation ratios are in line with their past averages.

Q.4 Is Stanrose Mafatlal Investments & Finance Ltd a good buy now?

Stanrose Mafatlal Investments & Finance 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 Stanrose Mafatlal Investments & Finance Ltd?

Stanrose Mafatlal Investments & Finance Ltd Operating Income growth is -2.88% for FY-2025, which is below its 5-year CAGR of 32.55%, indicating slower growth.

Q.2 Return on Assets of Stanrose Mafatlal Investments & Finance Ltd?

Stanrose Mafatlal Investments & Finance Ltd Return on Asset is -5%, which is above its 5-year historical median of -7.2%, indicating improved earnings on assets.

	Current Level	5-year Historic Median
NPM%	-166.34	-536.48
PPOP%	-69.95	-2.51
RoA%	-5	-7.2

Q.3 Return on Equity (ROE) of Stanrose Mafatlal Investments & Finance Ltd?

Stanrose Mafatlal Investments & Finance Ltd Return on Equity is -5.1% for FY-2025, which is above its 5-year historical median of -7.3%, indicating the business is making better use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Stanrose Mafatlal Investments & Finance Ltd?

Stanrose Mafatlal Investments & Finance Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -69.95% for FY-2025, which is below its 5-year median(-2.51%), indicating decreasing margins.

Q.5 Net Profit Margin of Stanrose Mafatlal Investments & Finance Ltd?

Stanrose Mafatlal Investments & Finance 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 -166.34% for FY-2025, which is above its 5-year median( -536.48%), indicating increasing margins.

Q.6 Total Asset growth of Stanrose Mafatlal Investments & Finance Ltd?

Stanrose Mafatlal Investments & Finance Ltd Total Asset growth is -13.9% for FY-2025, which is below its 5-year CAGR of -3.18%, indicating slower growth.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Stanrose Mafatlal Investments & Finance Ltd?

Promoters hold 48.73% of the Stanrose Mafatlal Investments & Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of Stanrose Mafatlal Investments & Finance Ltd vs Industry Peers?

Stanrose Mafatlal Investments & Finance Ltd AUM CAGR is -3.18%, compared to the 5-year industry median CAGR of 9.45%, indicating slower growth and losing its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Stanrose Mafatlal Investments & Finance Ltd vs industry peers

Stanrose Mafatlal Investments & Finance Ltd profit metrics are below the industry median level of -0.88%, indicating weaker profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM%	-166.34	9.95
PPOP%	-69.95	-13.4
RoA%	-5	0.8

Q.3 Operating efficiency of Stanrose Mafatlal Investments & Finance Ltd vs industry peers?

Stanrose Mafatlal Investments & Finance Ltd ROCE (-7.2) is below the industry median of (1.9); while the current ROE (-7.3) are below than the 5-year average Industry ROE (1.2). This shows that the business is positioned in the bottom quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM%	-166.34	9.95
PPOP%	-69.95	-13.4
RoA%	-5	0.8
ROCE%	-5	1.9
ROE%	-5.1	1.2

Valuation & price assessment

Q.1 Stock return of Stanrose Mafatlal Investments & Finance Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of -6.7% based on the current price.

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

	9Y	5Y	3Y	1Y
Share Price CAGR	-6.7%	-3.3%	-4.1%	-22.1%

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	-	-8.83	33.72
Price to Book	0.71	0.65	0.94
Price to Sales	63.49	22.95	12.44
EV to EBITDA	-10.19	-15.66	9.97

Q.4 Valuation ratios of Stanrose Mafatlal Investments & Finance Ltdvs historical and industry averages?

The current Price to book ratio (P/B) 0.71% is higher than its historical median of 0.65%, 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?

Stanrose Mafatlal Investments & Finance Ltd return on invested capital (ROIC) is -5.04% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

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