Check Before You Invest : Voltaire Leasing & Finance Ltd

Snapshot

Q.1 Which industry/sub-sector does Voltaire Leasing & Finance Ltd belong to?

Voltaire Leasing & Finance Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q.2 Is Voltaire Leasing & Finance Ltd a good quality company?

Voltaire Leasing & Finance Ltd is a quality company, based on a 10-year financial track record.

Q.3 Is Voltaire Leasing & Finance Ltd undervalued or overvalued?

Voltaire Leasing & Finance Ltd appears Somewhat Undervalued, as its key valuation ratios are below with their past averages.

Q.4 Is Voltaire Leasing & Finance Ltd a good buy now?

Voltaire Leasing & 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 Voltaire Leasing & Finance Ltd?

Voltaire Leasing & Finance Ltd Operating Income growth is 80.68% for FY-2025, which is above its 5-year CAGR of -1.44%, indicating faster growth.

Q.2 Return on Assets of Voltaire Leasing & Finance Ltd?

Voltaire Leasing & Finance Ltd Return on Asset is -0.5%, which is below its 5-year historical median of 0.3%, indicating deteriorated earnings on assets.

	Current Level	5-year Historic Median
NPM%	-5.43	5.1
PPOP%	2.63	46.15
RoA%	-0.5	0.3

Q.3 Return on Equity (ROE) of Voltaire Leasing & Finance Ltd?

Voltaire Leasing & Finance Ltd Return on Equity is -0.5% for FY-2025, which is below its 5-year historical median of 0.3%, indicating the business is making worse use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Voltaire Leasing & Finance Ltd?

Voltaire Leasing & Finance Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 2.63% for FY-2025, which is below its 5-year median(46.15%), indicating decreasing margins.

Q.5 Net Profit Margin of Voltaire Leasing & Finance Ltd?

Voltaire Leasing & 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 -5.43% for FY-2025, which is below its 5-year median( 5.1%), indicating decreasing margins.

Q.6 Total Asset growth of Voltaire Leasing & Finance Ltd?

Voltaire Leasing & Finance Ltd Total Asset growth is 4.22% for FY-2025, which is above its 5-year CAGR of -3.48%, indicating faster growth.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Voltaire Leasing & Finance Ltd?

Promoters hold 2.91% of the Voltaire Leasing & Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of Voltaire Leasing & Finance Ltd vs Industry Peers?

Voltaire Leasing & Finance Ltd AUM CAGR is -3.48%, compared to the 5-year industry median CAGR of 9.9%, indicating slower growth and losing its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Voltaire Leasing & Finance Ltd vs industry peers

Voltaire Leasing & Finance Ltd profit metrics are below the industry median level of 7.31%, indicating weaker profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM%	-5.43	15.95
PPOP%	2.63	4.54
RoA%	-0.5	1.45

Q.3 Operating efficiency of Voltaire Leasing & Finance Ltd vs industry peers?

Voltaire Leasing & Finance Ltd ROCE (0.4) is below the industry median of (4.4); while the current ROE (0.3) are below than the 5-year average Industry ROE (2.7). This shows that the business is positioned in the bottom quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM%	-5.43	15.95
PPOP%	2.63	4.54
RoA%	-0.5	1.45
ROCE%	-0.4	4.4
ROE%	-0.5	2.7

Valuation & price assessment

Q.1 Stock return of Voltaire Leasing & Finance Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of -10.1% based on the current price.

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

	9Y	5Y	3Y	1Y
Share Price CAGR	-10.1%	-7%	-4.2%	5.9%

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	-	36.70	28.96
Price to Book	0.3	0.30	1.11
Price to Sales	8.04	6.83	9.10
EV to EBITDA	-15.62	13.90	11.77

Q.4 Valuation ratios of Voltaire Leasing & Finance Ltdvs historical and industry averages?

The current Price to book ratio (P/B) 0.3% is similar than its historical median of 0.30%, indicating that at the current price the stock is fairly valued. However, you need a deeper analysis to make a better judgement.

Strategic outlook

Q.1 Does its ROIC exceed its WACC?

Voltaire Leasing & Finance Ltd return on invested capital (ROIC) is -0.48% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

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