Check Before You Invest : Trust Fintech Ltd

Q: Which industry/sub-sector does Trust Fintech Ltd belong to?

Trust Fintech Ltd belongs to the IT & ITES sector, operating specifically within the IT - Software segment.

Q: Is Trust Fintech Ltd a good quality company?

Trust Fintech Ltd is a quality company, based on a 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: Is Trust Fintech Ltd undervalued or overvalued?

Trust Fintech Ltd appears Somewhat Undervalued, as its key valuation ratios are lower 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. Price to Earnings, Current: 9, Historic Median: 17.86. Price to Book, Current: 0.79, Historic Median: 3.38. Price to Sales, Current: 2.59, Historic Median: 5.77. EV to EBITDA, Current: 5.39, Historic Median: 11.60

Q: Is Trust Fintech Ltd a good buy now?

Trust Fintech 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

Q: Gross Profit margin of Trust Fintech Ltd?

Trust Fintech Ltd Gross profit margin which is the profit after deduction of direct costs, is 45.2% for FY-2025, which is above its 5-year median of 26.2%, indicating increasing margins.

Q: Operating Profit Margin of Trust Fintech Ltd?

Trust Fintech Ltd Operating Profit Margin which is the profit after deduction of all operating costs, is 31.31% for FY-2025, which is above its 5-year median of 24.53% indicating increasing margins.

Q: Net Profit Margin of Trust Fintech Ltd?

Trust Fintech Ltd Net Profit Margin is 28.79% for FY-2025, is above its 5-year median of 17.84%, indicating increasing margins. Profitability Metrics. Gross Profit Margin (%), Current: 45.2, Historic Median: 26.2. Operating Profit Margin (%), Current: 31.31, Historic Median: 24.53. Net Profit Margin (%), Current: 28.79, Historic Median: 17.84

Q: Return on Asset of Trust Fintech Ltd?

Trust Fintech Ltd Return on Asset is 10.55%, which is below its 5-year historical median of 13.82%, indicating deteriorated asset utilization efficiency.

Q: Return on capital employed (ROCE) of Trust Fintech Ltd?

Trust Fintech Ltd Return on capital employed is 17.46% for FY-2025, which is below its 5-year historical median of 22.31%. The current ROCE is above its estimated weighted average cost of capital (WACC) of 14%, indicating value creation.

Q: Return on Equity (ROE) of Trust Fintech Ltd?

Trust Fintech Ltd Return on equity is 12.9% for FY-2025, which is below its 5-year historical median of 15.89%, indicating the business is making worse use of its shareholders capital.

Check Before You Invest : Trust Fintech Ltd

BSE: 0 NSE: TRUST ISIN: INE0SWN01019

| Sector: IT & ITES | Industry: IT - Software

Snapshot

Q.1 Which industry/sub-sector does Trust Fintech Ltd belong to?

Trust Fintech Ltd belongs to the IT & ITES sector, operating specifically within the IT - Software segment.

Q.2 Is Trust Fintech Ltd a good quality company?

Trust Fintech Ltd is a quality company, based on a 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 Trust Fintech Ltd undervalued or overvalued?

Trust Fintech Ltd appears Somewhat Undervalued, as its key valuation ratios are lower 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	9	17.86
Price to Book	0.79	3.38
Price to Sales	2.59	5.77
EV to EBITDA	5.39	11.60

Q.4 Is Trust Fintech Ltd a good buy now?

Trust Fintech 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 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.

Q.1 Gross Profit margin of Trust Fintech Ltd?

Trust Fintech Ltd Gross profit margin which is the profit after deduction of direct costs, is 45.2% for FY-2025, which is above its 5-year median of 26.2%, indicating increasing margins.

Q.2 Operating Profit Margin of Trust Fintech Ltd?

Trust Fintech Ltd Operating Profit Margin which is the profit after deduction of all operating costs, is 31.31% for FY-2025, which is above its 5-year median of 24.53% indicating increasing margins.

Q.3 Net Profit Margin of Trust Fintech Ltd?

Trust Fintech Ltd Net Profit Margin is 28.79% for FY-2025, is above its 5-year median of 17.84%, indicating increasing margins.

	Current Level	5-year Historic Median
Gross Profit Margin (%)	45.2	26.2
Operating Profit Margin (%)	31.31	24.53
Net Profit Margin (%)	28.79	17.84

B: Does the business utilize capital efficiently?

Q.4 Return on Asset of Trust Fintech Ltd?

Trust Fintech Ltd Return on Asset is 10.55%, which is below its 5-year historical median of 13.82%, indicating deteriorated asset utilization efficiency.

Q.5 Return on capital employed (ROCE) of Trust Fintech Ltd?

Trust Fintech Ltd Return on capital employed is 17.46% for FY-2025, which is below its 5-year historical median of 22.31%. The current ROCE is above its estimated weighted average cost of capital (WACC) of 14%, indicating value creation.

Q.6 Return on Equity (ROE) of Trust Fintech Ltd?

Trust Fintech Ltd Return on equity is 12.9% for FY-2025, which is below its 5-year historical median of 15.89%, indicating the business is making worse use of its shareholders capital.

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

Q.7 Debt to Equity ratio of Trust Fintech Ltd?

Trust Fintech Ltd Debt-to-Equity ratio is 0.00, which is lower the industry average of 0.01, indicating lower debt levels in the industry.

Q.8 Debt to cash flow from operations of Trust Fintech Ltd?

Trust Fintech Ltd Debt to cash flow from operations is 0, which is at a healthy level.

Ownership & governance

D: Promoter shareholding and pledge status of Trust Fintech Ltd?

Q.1 Promoter shareholding and pledge status of Trust Fintech Ltd?

Promoters hold 69.01% of the Trust Fintech Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Trust Fintech Ltd performance compare with that of its Peers?

Q.1 Revenue growth of Trust Fintech Ltd vs industry peers?

Trust Fintech Ltd revenue CAGR is 0.00%, compared to the industry median CAGR of 2.48%, indicating slower growth and losing its market share.

Profit Metrics

	Current Level	5-year Industry Median
Revenue Growth (%)	-	2.5
Gross Profit Growth (%)	-21.2	18.3
Operating Profit Growth (%)	-44.5	18
Net Profit Growth (%)	-28	22

Operating Efficiency

	Current Level	5-year Industry Median
Asset Turnover (x)	0.37	0.46
ROE (%)	12.9	3.97
ROCE (%)	17.46	6.41
Cash Conversion Cycle (days)	136.88	36

Valuation & price assessment

Q.1 Stock return of Trust Fintech Ltd over the last decade?

Over the last 1 year(s), the stock has delivered a CAGR of -58.21% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	-	-	-	-58.2%

Q.2 Valuation ratios of Trust Fintech Ltd vs historical?

The current P/E ratio of 9 is lower than its historical median of 17.86, indicating that the stock is trading below its historical average valuation.

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	9	17.86	47.38
Price to Book	0.79	3.38	2.64
Price to Sales	2.59	5.77	4.79
EV to EBITDA	5.39	11.60	16.75

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Check Before You Invest : Trust Fintech Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

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