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Check Before You Invest : Cube Highways Trust - (CUBEINVIT)

BSE: 543899 NSE: CUBEINVIT ISIN: INE0NR623014
  |   Sector:  BFSI   |   Industry:  Finance - Investment

Snapshot

Q.1 Which industry/sub-sector does Cube Highways Trust - (CUBEINVIT) belong to?
Cube Highways Trust - (CUBEINVIT) belongs to the BFSI sector, operating specifically within the Finance - Investment segment.
Q.2 Is Cube Highways Trust - (CUBEINVIT) a good quality company?
Cube Highways Trust - (CUBEINVIT) 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 Cube Highways Trust - (CUBEINVIT) undervalued or overvalued?
Cube Highways Trust - (CUBEINVIT) appears 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 3-year
Historic Median
Price to Earnings - -
Price to Book - -
Price to Sales - -
EV to EBITDA 6.27 7.24
Q.4 Is Cube Highways Trust - (CUBEINVIT) a good buy now?
Cube Highways Trust - (CUBEINVIT) 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 Cube Highways Trust - (CUBEINVIT)?
Cube Highways Trust - (CUBEINVIT) Operating Income growth is 38.87% for FY-2026, which is above its 3-year CAGR of NA%, indicating faster growth.

Q.2 Return on Assets of Cube Highways Trust - (CUBEINVIT)?
Cube Highways Trust - (CUBEINVIT) Return on Asset is 4.8%, which is above its 3-year historical median of 3.8%, indicating improved earnings on assets.
Current Level 3-year
Historic Median
NPM (%) 48.88 47.68
PPOP (%) - -
RoA (%) 4.8 3.8

Q.3 Return on Equity (ROE) of Cube Highways Trust - (CUBEINVIT)?
Cube Highways Trust - (CUBEINVIT) Return on Equity is 10.7% for FY-2026, which is above its 3-year historical median of 7.3%, indicating the business is making better use of its shareholders capital.

Q.4 Net Profit Margin of Cube Highways Trust - (CUBEINVIT)?
Cube Highways Trust - (CUBEINVIT) Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 48.88% for FY-2026, which is in line with its 3-year median( 47.68%), indicating stable margins.

Q.5 Does its ROIC exceed its WACC?
Cube Highways Trust - (CUBEINVIT) return on invested capital (ROIC) is 8.03% for FY-2026, 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.6 Total Asset growth of Cube Highways Trust - (CUBEINVIT)?
Cube Highways Trust - (CUBEINVIT) Total Asset growth is 38.43% for FY-2026, which is above its 3-year CAGR of 7.82%, indicating faster growth.

Ownership & governance

D: Promoter shareholding and pledge status of Cube Highways Trust - (CUBEINVIT)?

Q.1 Promoter shareholding and pledge status of Cube Highways Trust - (CUBEINVIT)?
Promoters hold % of the Cube Highways Trust - (CUBEINVIT), with % of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Cube Highways Trust - (CUBEINVIT) performance compare with that of its Peers?

Q.1 AUM Growth of Cube Highways Trust - (CUBEINVIT) vs Industry Peers?
Cube Highways Trust - (CUBEINVIT) AUM CAGR is 7.82%, compared to the 3-year industry median CAGR of 23.2%, indicating slower growth and losing its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Cube Highways Trust - (CUBEINVIT) vs industry peers
Cube Highways Trust - (CUBEINVIT) profit metrics are in line with the industry median level of 43.46%, indicating similar profitability compared to peers.
Profit Metrics
Current Level 3-year
Industry Median
NPM (%) 48.88 61.97
PPOP (%) - 64.56
RoA (%) 4.8 3.85

Q.3 Operating efficiency of Cube Highways Trust - (CUBEINVIT) vs industry peers?
Cube Highways Trust - (CUBEINVIT) ROCE (7.8) is above the industry median of (6.95); while the current ROE (7.3) are above than the 5-year average Industry ROE (6.7). This shows that the business is positioned in the top quartile of the industry.
Operating Efficiency
Current Level 3-year
Industry Median
NPM (%) 48.88 61.97
PPOP (%) - 64.56
RoA (%) 4.8 3.85
ROCE (%) 9.4 6.95
ROE (%) 10.7 6.7

Valuation & price assessment

Q.1 Stock return of Cube Highways Trust - (CUBEINVIT) over the last decade?
Over the last 1 years, the stock has delivered a CAGR of 20.21% based on the current price.
9Y 5Y 3Y 1Y
Share Price
CAGR
- - - 20.2%
Q.2 How do the current valuation ratios compare with 5-year historical median and industry numbers?
Valuation Ratios Current 3-year
Historic Median
3-year
Industry Median
Price to Earnings - - 33.22
Price to Book - - 1.01
Price to Sales - - 15.36
EV to EBITDA 6.27 7.24 9.96
Q.3 Valuation ratios of Cube Highways Trust - (CUBEINVIT) vs historical and industry averages?
The current Price-to-Book (P/B) ratio of 0 is in line with than its historical median of , indicating that the stock is trading near its historical average valuation.

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