Check Before You Invest : Assam Entrade Ltd

Q: Which industry/sub-sector does Assam Entrade Ltd belong to?

Assam Entrade Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.

Q: Is Assam Entrade Ltd a good quality company?

Assam Entrade Ltd is a weak quality company, based on a inconsistent 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: Is Assam Entrade Ltd undervalued or overvalued?

Assam Entrade Ltd appears Somewhat overvalued, as its key valuation ratios are higher 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: 23.97, Historic Median: 33.42. Price to Book, Current: 1.68, Historic Median: 1.19. Price to Sales, Current: 14.43, Historic Median: 16.27. EV to EBITDA, Current: 18.74, Historic Median: 23.06

Q: Is Assam Entrade Ltd a good buy now?

Assam Entrade 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: Total Income growth of Assam Entrade Ltd?

Assam Entrade Ltd Operating Income growth is 17.63% for FY-2025, which is above its 5-year CAGR of 1.91%, indicating faster growth.

Q: Return on Assets of Assam Entrade Ltd?

Assam Entrade Ltd Return on Asset is 4.9%, which is above its 5-year historical median of 2.6%, indicating improved earnings on assets. Efficiency & Key Metrics. NPM (%), Current: 35.39, Historic Median: 29.2. PPOP (%), Current: 100, Historic Median: 50. RoA (%), Current: 4.9, Historic Median: 2.6

Q: Return on Equity (ROE) of Assam Entrade Ltd?

Assam Entrade Ltd Return on Equity is 5% for FY-2025, which is above its 5-year historical median of 2.7%, indicating the business is making better use of its shareholders capital.

Q: Pre-provisioning operating profit margin of Assam Entrade Ltd?

Assam Entrade Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 100% for FY-2025, which is above its 5-year median(50%), indicating increasing margins.

Q: Net Profit Margin of Assam Entrade Ltd?

Assam Entrade 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 35.39% for FY-2025, which is above its 5-year median( 29.2%), indicating increasing margins.

Q: Does its ROIC exceed its WACC?

Assam Entrade Ltd return on invested capital (ROIC) is 5.21% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

Check Before You Invest : Assam Entrade Ltd

BSE: 542911 NSE: ISIN: INE165G01010

| Sector: BFSI | Industry: Finance - Investment

Snapshot

Q.1 Which industry/sub-sector does Assam Entrade Ltd belong to?

Assam Entrade Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.

Q.2 Is Assam Entrade Ltd a good quality company?

Assam Entrade Ltd is a weak quality company, based on a inconsistent 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 Assam Entrade Ltd undervalued or overvalued?

Assam Entrade Ltd appears Somewhat overvalued, as its key valuation ratios are higher 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	23.97	33.42
Price to Book	1.68	1.19
Price to Sales	14.43	16.27
EV to EBITDA	18.74	23.06

Q.4 Is Assam Entrade Ltd a good buy now?

Assam Entrade 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 Assam Entrade Ltd?

Assam Entrade Ltd Operating Income growth is 17.63% for FY-2025, which is above its 5-year CAGR of 1.91%, indicating faster growth.

Q.2 Return on Assets of Assam Entrade Ltd?

Assam Entrade Ltd Return on Asset is 4.9%, which is above its 5-year historical median of 2.6%, indicating improved earnings on assets.

	Current Level	5-year Historic Median
NPM (%)	35.39	29.2
PPOP (%)	100	50
RoA (%)	4.9	2.6

Q.3 Return on Equity (ROE) of Assam Entrade Ltd?

Assam Entrade Ltd Return on Equity is 5% for FY-2025, which is above its 5-year historical median of 2.7%, indicating the business is making better use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Assam Entrade Ltd?

Assam Entrade Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 100% for FY-2025, which is above its 5-year median(50%), indicating increasing margins.

Q.5 Net Profit Margin of Assam Entrade Ltd?

Assam Entrade 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 35.39% for FY-2025, which is above its 5-year median( 29.2%), indicating increasing margins.

Q.6 Does its ROIC exceed its WACC?

Assam Entrade Ltd return on invested capital (ROIC) is 5.21% 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 Assam Entrade Ltd?

Assam Entrade Ltd Total Asset growth is 8.33% for FY-2025, which is above its 5-year CAGR of 3.03%, indicating faster growth.

Ownership & governance

D: Promoter shareholding and pledge status of Assam Entrade Ltd?

Q.1 Promoter shareholding and pledge status of Assam Entrade Ltd?

Promoters hold 53.18% of the Assam Entrade Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Assam Entrade Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Assam Entrade Ltd vs Industry Peers?

Assam Entrade Ltd AUM CAGR is 3.03%, compared to the 5-year industry median CAGR of 9.27%, indicating slower growth and losing its market share.

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

Assam Entrade Ltd profit metrics are above the industry median level of -1.27%, indicating stronger profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM (%)	35.39	3.12
PPOP (%)	100	-7.72
RoA (%)	4.9	0.8

Q.3 Operating efficiency of Assam Entrade Ltd vs industry peers?

Assam Entrade Ltd ROCE (4.4) is above the industry median of (1.8); while the current ROE (2.7) are above than the 5-year average Industry ROE (0.9). This shows that the business is positioned in the top quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM (%)	35.39	3.12
PPOP (%)	100	-7.72
RoA (%)	4.9	0.8
ROCE (%)	7	1.8
ROE (%)	5	0.9

Valuation & price assessment

Q.1 Stock return of Assam Entrade Ltd over the last decade?

Over the last 5 years, the stock has delivered a CAGR of 17.43% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	-	17.4%	30.4%	20.7%

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	23.97	33.42	33.75
Price to Book	1.68	1.19	0.95
Price to Sales	14.43	16.27	12.43
EV to EBITDA	18.74	23.06	10.00

Q.3 Valuation ratios of Assam Entrade Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of 1.68 is higher than its historical median of 1.19, indicating that the stock is trading above its historical average valuation.

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Check Before You Invest : Assam Entrade Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

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Check trending companies

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