Check Before You Invest : Triumph International Finance India Ltd

BSE: 532131 NSE: ISIN: INE382B01012

| Sector: BFSI | Industry: Finance - Investment

Snapshot

Q.1 Which industry/sub-sector does Triumph International Finance India Ltd belong to?

Triumph International Finance India Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.

Q.2 Is Triumph International Finance India Ltd a good quality company?

Triumph International Finance India Ltd is a quality company, based on a 3-year financial track record.

Q.3 Is Triumph International Finance India Ltd undervalued or overvalued?

Triumph International Finance India Ltd appears Fair, as its key valuation ratios are in line with their past averages.

Q.4 Is Triumph International Finance India Ltd a good buy now?

Triumph International Finance 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

Q.1 Total Income growth of Triumph International Finance India Ltd?

Triumph International Finance India Ltd Operating Income growth is NA% for FY-2025, which is in line with its 3-year CAGR of NA%, indicating stable growth.

Q.2 Return on Assets of Triumph International Finance India Ltd?

Triumph International Finance India Ltd Return on Asset is 2.2%, which is above its 3-year historical median of 2%, indicating improved earnings on assets.

	Current Level	3-year Historic Median
NPM%	-	-67.08
PPOP%	13.01	15
RoA%	2.2	2

Q.3 Pre-provisioning operating profit margin of Triumph International Finance India Ltd?

Triumph International Finance India Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 13.01% for FY-2025, which is below its 3-year median(15%), indicating decreasing margins.

Q.4 Net Profit Margin of Triumph International Finance India Ltd?

Triumph International Finance 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 0% for FY-2025, which is above its 3-year median( -67.08%), indicating increasing margins.

Q.5 Total Asset growth of Triumph International Finance India Ltd?

Triumph International Finance India Ltd Total Asset growth is -10.86% for FY-2025, which is below its 3-year CAGR of 1.56%, indicating slower growth.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Triumph International Finance India Ltd?

Promoters hold 31.52% of the Triumph International Finance India Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of Triumph International Finance India Ltd vs Industry Peers?

Triumph International Finance India Ltd AUM CAGR is 1.56%, compared to the 3-year industry median CAGR of 9.12%, indicating slower growth and losing its market share.

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

Triumph International Finance India Ltd profit metrics are in line with the industry median level of 3.6%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	3-year Industry Median
NPM%	-	14.65
PPOP%	13.01	-4.96
RoA%	2.2	1.1

Q.3 Operating efficiency of Triumph International Finance India Ltd vs industry peers?

Triumph International Finance India Ltd ROCE (8.1) is above the industry median of (2.1); while the current ROE (26.3) are above than the 5-year average Industry ROE (1.9). This shows that the business is positioned in the top quartile of the industry.

Operating Efficiency

	Current Level	3-year Industry Median
NPM%	-	14.65
PPOP%	13.01	-4.96
RoA%	2.2	1.1
ROCE%	8.3	2.1
ROE%	-	1.9

Valuation & price assessment

Q.1 Stock return of Triumph International Finance India Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 26% based on the current price.

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

	9Y	5Y	3Y	1Y
Share Price CAGR	26%	58.6%	115.8%	23.5%

Q.3 How do the current valuation ratios compare with 5-year historical median and industry numbers?

Valuation Ratios	Current	3-year Historic Median	3-year Industry Median
Price to Earnings	3.64	0.73	33.22
Price to Book	-0.25	-0.02	1.01
Price to Sales	-	-	15.19
EV to EBITDA	27.71	46.99	10.00

Q.4 Valuation ratios of Triumph International Finance India Ltdvs historical and industry averages?

The current Price to book ratio (P/B) -0.25% is lower than its historical median of -0.02%, 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?

Triumph International Finance India Ltd return on invested capital (ROIC) is 8.25% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

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