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INVESTMENT INSIGHTS

Check Before You Invest : Svaraj Trading & Agencies Ltd

BSE: 503624 NSE: ISIN: INE406N01014
  |   Sector:  BFSI   |   Industry:  Finance - Investment

Snapshot

Q.1 Which industry/sub-sector does Svaraj Trading & Agencies Ltd belong to?
Svaraj Trading & Agencies Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.
Q.2 Is Svaraj Trading & Agencies Ltd a good quality company?
Svaraj Trading & Agencies Ltd is a quality company, based on a 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 Svaraj Trading & Agencies Ltd undervalued or overvalued?
Svaraj Trading & Agencies Ltd appears Fair, as its key valuation ratios are in line with 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 36.32 8.05
Price to Book 0.22 0.22
Price to Sales 10.72 9.38
EV to EBITDA 18.29 6.00
Q.4 Is Svaraj Trading & Agencies Ltd a good buy now?
Svaraj Trading & Agencies 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 Svaraj Trading & Agencies Ltd?
Svaraj Trading & Agencies Ltd Operating Income growth is NA% for FY-2025, which is above its 5-year CAGR of -100%, indicating faster growth.

Q.2 Return on Assets of Svaraj Trading & Agencies Ltd?
Svaraj Trading & Agencies Ltd Return on Asset is -1.2%, which is below its 5-year historical median of 1%, indicating deteriorated earnings on assets.
Current Level 5-year
Historic Median
NPM (%) - 103.65
PPOP (%) -1233.33 -104.23
RoA (%) -1.2 1

Q.3 Return on Equity (ROE) of Svaraj Trading & Agencies Ltd?
Svaraj Trading & Agencies Ltd Return on Equity is -1.2% for FY-2025, which is below its 5-year historical median of 1%, indicating the business is making worse use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Svaraj Trading & Agencies Ltd?
Svaraj Trading & Agencies Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -1233.33% for FY-2025, which is below its 5-year median(-104.23%), indicating decreasing margins.

Q.5 Net Profit Margin of Svaraj Trading & Agencies Ltd?
Svaraj Trading & Agencies 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 below its 5-year median( 103.65%), indicating decreasing margins.

Q.6 Does its ROIC exceed its WACC?
Svaraj Trading & Agencies Ltd return on invested capital (ROIC) is -1.23% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

B: Does the bank grow efficiently and manage its operating costs?

Q.7 Total Asset growth of Svaraj Trading & Agencies Ltd?
Svaraj Trading & Agencies Ltd Total Asset growth is -0.48% for FY-2025, which is below its 5-year CAGR of 1.62%, indicating slower growth.

Ownership & governance

D: Promoter shareholding and pledge status of Svaraj Trading & Agencies Ltd?

Q.1 Promoter shareholding and pledge status of Svaraj Trading & Agencies Ltd?
Promoters hold 7.87% of the Svaraj Trading & Agencies Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Svaraj Trading & Agencies Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Svaraj Trading & Agencies Ltd vs Industry Peers?
Svaraj Trading & Agencies Ltd AUM CAGR is 1.62%, compared to the 5-year industry median CAGR of 9.08%, indicating slower growth and losing its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Svaraj Trading & Agencies Ltd vs industry peers
Svaraj Trading & Agencies Ltd profit metrics are in line with the industry median level of -1.22%, indicating similar profitability compared to peers.
Profit Metrics
Current Level 5-year
Industry Median
NPM (%) - 3.22
PPOP (%) -1233.33 -7.69
RoA (%) -1.2 0.8

Q.3 Operating efficiency of Svaraj Trading & Agencies Ltd vs industry peers?
Svaraj Trading & Agencies Ltd ROCE (0.1) is below the industry median of (1.8); while the current ROE (1) are above than the 5-year average Industry ROE (0.9). This shows that the business is positioned in the middle quartile of the industry.
Operating Efficiency
Current Level 5-year
Industry Median
NPM (%) - 3.22
PPOP (%) -1233.33 -7.69
RoA (%) -1.2 0.8
ROCE (%) -1.2 1.8
ROE (%) -1.2 0.9

Valuation & price assessment

Q.1 Stock return of Svaraj Trading & Agencies Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of -26.1% based on the current price.
9Y 5Y 3Y 1Y
Share Price
CAGR		 -26.1% 14.8% 13.3% 2.2%
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 36.32 8.05 33.75
Price to Book 0.22 0.22 0.95
Price to Sales 10.72 9.38 12.43
EV to EBITDA 18.29 6.00 10.00
Q.3 Valuation ratios of Svaraj Trading & Agencies Ltd vs historical and industry averages?
The current Price-to-Book (P/B) ratio of 0.22 is lower than its historical median of 0.22, indicating that the stock is trading below its historical average valuation.

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