Check Before You Invest : Arnold Holdings Ltd

Snapshot

Q.1 Which industry/sub-sector does Arnold Holdings Ltd belong to?

Arnold Holdings Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q.2 Is Arnold Holdings Ltd a good quality company?

Arnold Holdings Ltd is a quality company, based on a 10-year financial track record.

Q.3 Is Arnold Holdings Ltd undervalued or overvalued?

Arnold Holdings Ltd appears Undervalued, as its key valuation ratios are below with their past averages.

Q.4 Is Arnold Holdings Ltd a good buy now?

Arnold Holdings 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 Arnold Holdings Ltd?

Arnold Holdings Ltd Operating Income growth is -4.07% for FY-2025, which is below its 5-year CAGR of 52.61%, indicating slower growth.

Q.2 Return on Assets of Arnold Holdings Ltd?

Arnold Holdings Ltd Return on Asset is 3.6%, which is above its 5-year historical median of 3.1%, indicating improved earnings on assets.

	Current Level	5-year Historic Median
NPM%	2.67	2.34
PPOP%	-60.18	3.25
RoA%	3.6	3.1

Q.3 Return on Equity (ROE) of Arnold Holdings Ltd?

Arnold Holdings Ltd Return on Equity is 9.3% for FY-2025, which is above its 5-year historical median of 6.6%, indicating the business is making better use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Arnold Holdings Ltd?

Arnold Holdings Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -60.18% for FY-2025, which is below its 5-year median(3.25%), indicating decreasing margins.

Q.5 Net Profit Margin of Arnold Holdings Ltd?

Arnold Holdings 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 2.67% for FY-2025, which is above its 5-year median( 2.34%), indicating increasing margins.

Q.6 Total Asset growth of Arnold Holdings Ltd?

Arnold Holdings Ltd Total Asset growth is 11.52% for FY-2025, which is below its 5-year CAGR of 23.15%, indicating slower growth.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Arnold Holdings Ltd?

Promoters hold 20.28% of the Arnold Holdings Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of Arnold Holdings Ltd vs Industry Peers?

Arnold Holdings Ltd AUM CAGR is 23.15%, compared to the 5-year industry median CAGR of 9.9%, indicating faster growth and gaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Arnold Holdings Ltd vs industry peers

Arnold Holdings Ltd profit metrics are in line with the industry median level of 7.31%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM%	2.67	15.95
PPOP%	-60.18	4.54
RoA%	3.6	1.45

Q.3 Operating efficiency of Arnold Holdings Ltd vs industry peers?

Arnold Holdings Ltd ROCE (10.4) is above the industry median of (4.4); while the current ROE (6.6) are above than the 5-year average Industry ROE (2.7). This shows that the business is positioned in the top quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM%	2.67	15.95
PPOP%	-60.18	4.54
RoA%	3.6	1.45
ROCE%	9.3	4.4
ROE%	9.3	2.7

Valuation & price assessment

Q.1 Stock return of Arnold Holdings Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of -8.5% based on the current price.

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

	9Y	5Y	3Y	1Y
Share Price CAGR	-8.5%	-6.8%	-15.9%	-54.5%

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	29.66	37.21	28.96
Price to Book	0.49	1.06	1.11
Price to Sales	0.26	0.89	9.10
EV to EBITDA	6.41	8.35	11.77

Q.4 Valuation ratios of Arnold Holdings Ltdvs historical and industry averages?

The current Price to book ratio (P/B) 0.49% is lower than its historical median of 1.06%, 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?

Arnold Holdings Ltd return on invested capital (ROIC) is 7.3% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

Check more companies

1. Tata Invest Corp

2. Manappuram Finance

3. CreditAccess Grameen

4. IIFL Finance

5. Five Star Business

6. Edelweiss Financial

7. SBFC Finance

8. Bengal & Assam

9. MAS Financial Serv

10. Fedbank Financial

Check trending companies

1. Force Motors Ltd.

2. KEI Industries Ltd.

3. Aadhar Housing Finance Ltd.

4. State Bank Of India

5. Power Finance Corporation Ltd.