Check Before You Invest : Beryl Securities Ltd

Snapshot

Q.1 Which industry/sub-sector does Beryl Securities Ltd belong to?

Beryl Securities Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q.2 Is Beryl Securities Ltd a good quality company?

Beryl Securities Ltd is a quality company, based on a 10-year financial track record.

Q.3 Is Beryl Securities Ltd undervalued or overvalued?

Beryl Securities Ltd appears Overvalued, as its key valuation ratios are above with their past averages.

Q.4 Is Beryl Securities Ltd a good buy now?

Beryl Securities 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 Beryl Securities Ltd?

Beryl Securities Ltd Operating Income growth is 114.46% for FY-2025, which is above its 5-year CAGR of 18.56%, indicating faster growth.

Q.2 Return on Assets of Beryl Securities Ltd?

Beryl Securities Ltd Return on Asset is 2.2%, which is in line with its 5-year historical median of 2.2%, indicating stable earnings on assets.

	Current Level	5-year Historic Median
NPM%	14.45	20.71
PPOP%	-15.91	-13.33
RoA%	2.2	2.2

Q.3 Return on Equity (ROE) of Beryl Securities Ltd?

Beryl Securities Ltd Return on Equity is 2.7% for FY-2025, which is in line with its 5-year historical median of 2.7%, indicating the business is making similar use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Beryl Securities Ltd?

Beryl Securities Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -15.91% for FY-2025, which is below its 5-year median(-13.33%), indicating decreasing margins.

Q.5 Net Profit Margin of Beryl Securities Ltd?

Beryl Securities 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 14.45% for FY-2025, which is below its 5-year median( 20.71%), indicating decreasing margins.

Q.6 Total Asset growth of Beryl Securities Ltd?

Beryl Securities Ltd Total Asset growth is 28.83% for FY-2025, which is above its 5-year CAGR of 7.42%, indicating faster growth.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Beryl Securities Ltd?

Promoters hold 60.59% of the Beryl Securities Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of Beryl Securities Ltd vs Industry Peers?

Beryl Securities Ltd AUM CAGR is 7.42%, 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 Beryl Securities Ltd vs industry peers

Beryl Securities 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%	14.45	15.95
PPOP%	-15.91	4.54
RoA%	2.2	1.45

Q.3 Operating efficiency of Beryl Securities Ltd vs industry peers?

Beryl Securities Ltd ROCE (4) is below the industry median of (4.4); while the current ROE (2.7) are in line with than the 5-year average Industry ROE (2.7). This shows that the business is positioned in the middle quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM%	14.45	15.95
PPOP%	-15.91	4.54
RoA%	2.2	1.45
ROCE%	4	4.4
ROE%	2.7	2.7

Valuation & price assessment

Q.1 Stock return of Beryl Securities Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 12.9% based on the current price.

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

	9Y	5Y	3Y	1Y
Share Price CAGR	12.9%	41.6%	56.5%	11.9%

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	1652.43	37.97	28.96
Price to Book	1.83	1.20	1.11
Price to Sales	7.47	7.66	9.10
EV to EBITDA	25.07	20.77	11.77

Q.4 Valuation ratios of Beryl Securities Ltdvs historical and industry averages?

The current Price to book ratio (P/B) 1.83% is higher than its historical median of 1.20%, indicating that at the current price the stock is overvalued. However, you need a deeper analysis to make a better judgement.

Strategic outlook

Q.1 Does its ROIC exceed its WACC?

Beryl Securities Ltd return on invested capital (ROIC) is 2.79% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

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