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INVESTMENT INSIGHTS

Check Before You Invest : Stellant Securities (India) Ltd

BSE: 526071 NSE: ISIN: INE395F01023
  |   Sector:  BFSI   |   Industry:  Finance - NBFC

Snapshot

Q.1 Which industry/sub-sector does Stellant Securities (India) Ltd belong to?
Stellant Securities (India) Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.
Q.2 Is Stellant Securities (India) Ltd a good quality company?
Stellant Securities (India) 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 Stellant Securities (India) Ltd undervalued or overvalued?
Stellant Securities (India) Ltd appears Somewhat 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 5-year
Historic Median
Price to Earnings 11.36 7.41
Price to Book 3.69 2.25
Price to Sales 6.69 5.11
EV to EBITDA 7.52 5.61
Q.4 Is Stellant Securities (India) Ltd a good buy now?
Stellant Securities (India) 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 Stellant Securities (India) Ltd?
Stellant Securities (India) Ltd Operating Income growth is 303.11% for FY-2025, which is above its 5-year CAGR of 25.02%, indicating faster growth.

Q.2 Return on Assets of Stellant Securities (India) Ltd?
Stellant Securities (India) Ltd Return on Asset is 72.2%, which is above its 5-year historical median of 1.5%, indicating improved earnings on assets.
Current Level 5-year
Historic Median
NPM (%) 71.17 19.96
PPOP (%) - -
RoA (%) 72.2 1.5

Q.3 Return on Equity (ROE) of Stellant Securities (India) Ltd?
Stellant Securities (India) Ltd Return on Equity is 92.4% for FY-2025, which is above its 5-year historical median of 8.2%, indicating the business is making better use of its shareholders capital.

Q.4 Net Profit Margin of Stellant Securities (India) Ltd?
Stellant Securities (India) 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 71.17% for FY-2025, which is above its 5-year median( 19.96%), indicating increasing margins.

Q.5 Does its ROIC exceed its WACC?
Stellant Securities (India) Ltd return on invested capital (ROIC) is 82.48% 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.6 Total Asset growth of Stellant Securities (India) Ltd?
Stellant Securities (India) Ltd Total Asset growth is 200% for FY-2025, which is above its 5-year CAGR of 8.45%, indicating faster growth.

Ownership & governance

D: Promoter shareholding and pledge status of Stellant Securities (India) Ltd?

Q.1 Promoter shareholding and pledge status of Stellant Securities (India) Ltd?
Promoters hold 43.76% of the Stellant Securities (India) Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Stellant Securities (India) Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Stellant Securities (India) Ltd vs Industry Peers?
Stellant Securities (India) Ltd AUM CAGR is 8.45%, compared to the 5-year industry median CAGR of 9.68%, indicating slower growth and losing its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Stellant Securities (India) Ltd vs industry peers
Stellant Securities (India) Ltd profit metrics are in line with the industry median level of 4.73%, indicating similar profitability compared to peers.
Profit Metrics
Current Level 5-year
Industry Median
NPM (%) 71.17 12.79
PPOP (%) - -
RoA (%) 72.2 1.4

Q.3 Operating efficiency of Stellant Securities (India) Ltd vs industry peers?
Stellant Securities (India) Ltd ROCE (1.6) is below the industry median of (4.1); while the current ROE (8.2) are above than the 5-year average Industry ROE (2.2). This shows that the business is positioned in the middle quartile of the industry.
Operating Efficiency
Current Level 5-year
Industry Median
NPM (%) 71.17 12.79
PPOP (%) - -
RoA (%) 72.2 1.4
ROCE (%) 106.8 4.1
ROE (%) 92.4 2.2

Valuation & price assessment

Q.1 Stock return of Stellant Securities (India) Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 92.2% based on the current price.
9Y 5Y 3Y 1Y
Share Price
CAGR		 92.2% 230.7% 516.7% 1686.3%
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 11.36 7.41 29.12
Price to Book 3.69 2.25 1.11
Price to Sales 6.69 5.11 9.10
EV to EBITDA 7.52 5.61 11.77
Q.3 Valuation ratios of Stellant Securities (India) Ltd vs historical and industry averages?
The current Price-to-Book (P/B) ratio of 3.69 is higher than its historical median of 2.25, indicating that the stock is trading above its historical average valuation.

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