Check Before You Invest : Integra Capital Ltd

Q: Which industry/sub-sector does Integra Capital Ltd belong to?

Integra Capital Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q: Is Integra Capital Ltd a good quality company?

Integra Capital 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: Is Integra Capital Ltd undervalued or overvalued?

Integra Capital Ltd appears Undervalued, as its key valuation ratios are lower 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: 6.42, Historic Median: 17.81. Price to Book, Current: 1.17, Historic Median: 1.93. Price to Sales, Current: 5.08, Historic Median: 9.68. EV to EBITDA, Current: 6.66, Historic Median: 12.69

Q: Is Integra Capital Ltd a good buy now?

Integra Capital 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 Integra Capital Ltd?

Integra Capital Ltd Operating Income growth is -77.11% for FY-2025, which is below its 5-year CAGR of 11.17%, indicating slower growth.

Q: Return on Assets of Integra Capital Ltd?

Integra Capital Ltd Return on Asset is 4.7%, which is in line with its 5-year historical median of 4.7%, indicating stable earnings on assets. Efficiency & Key Metrics. NPM (%), Current: 81.75, Historic Median: 70.45. PPOP (%), Current: -65.35, Historic Median: -117.65. RoA (%), Current: 4.7, Historic Median: 4.7

Q: Return on Equity (ROE) of Integra Capital Ltd?

Integra Capital Ltd Return on Equity is 4.9% for FY-2025, which is in line with its 5-year historical median of 4.9%, indicating the business is making similar use of its shareholders capital.

Q: Pre-provisioning operating profit margin of Integra Capital Ltd?

Integra Capital Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -65.35% for FY-2025, which is above its 5-year median(-117.65%), indicating increasing margins.

Q: Net Profit Margin of Integra Capital Ltd?

Integra Capital 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 81.75% for FY-2025, which is above its 5-year median( 70.45%), indicating increasing margins.

Q: Does its ROIC exceed its WACC?

Integra Capital Ltd return on invested capital (ROIC) is 4.78% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

Snapshot

Q.1 Which industry/sub-sector does Integra Capital Ltd belong to?

Integra Capital Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q.2 Is Integra Capital Ltd a good quality company?

Integra Capital 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 Integra Capital Ltd undervalued or overvalued?

Integra Capital Ltd appears Undervalued, as its key valuation ratios are lower 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	6.42	17.81
Price to Book	1.17	1.93
Price to Sales	5.08	9.68
EV to EBITDA	6.66	12.69

Q.4 Is Integra Capital Ltd a good buy now?

Integra Capital 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 Integra Capital Ltd?

Integra Capital Ltd Operating Income growth is -77.11% for FY-2025, which is below its 5-year CAGR of 11.17%, indicating slower growth.

Q.2 Return on Assets of Integra Capital Ltd?

Integra Capital Ltd Return on Asset is 4.7%, which is in line with its 5-year historical median of 4.7%, indicating stable earnings on assets.

	Current Level	5-year Historic Median
NPM (%)	81.75	70.45
PPOP (%)	-65.35	-117.65
RoA (%)	4.7	4.7

Q.3 Return on Equity (ROE) of Integra Capital Ltd?

Integra Capital Ltd Return on Equity is 4.9% for FY-2025, which is in line with its 5-year historical median of 4.9%, indicating the business is making similar use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Integra Capital Ltd?

Integra Capital Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -65.35% for FY-2025, which is above its 5-year median(-117.65%), indicating increasing margins.

Q.5 Net Profit Margin of Integra Capital Ltd?

Integra Capital 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 81.75% for FY-2025, which is above its 5-year median( 70.45%), indicating increasing margins.

Q.6 Does its ROIC exceed its WACC?

Integra Capital Ltd return on invested capital (ROIC) is 4.78% 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 Integra Capital Ltd?

Integra Capital Ltd Total Asset growth is 7.04% for FY-2025, which is in line with its 5-year CAGR of 7.09%, indicating stable growth.

Ownership & governance

D: Promoter shareholding and pledge status of Integra Capital Ltd?

Q.1 Promoter shareholding and pledge status of Integra Capital Ltd?

Promoters hold 50.01% of the Integra Capital Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Integra Capital Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Integra Capital Ltd vs Industry Peers?

Integra Capital Ltd AUM CAGR is 7.09%, compared to the 5-year industry median CAGR of 9.71%, indicating slower growth and losing its market share.

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

Integra Capital Ltd profit metrics are in line with the industry median level of 4.76%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM (%)	81.75	12.87
PPOP (%)	-65.35	-
RoA (%)	4.7	1.4

Q.3 Operating efficiency of Integra Capital Ltd vs industry peers?

Integra Capital Ltd ROCE (6.9) is above the industry median of (4.15); while the current ROE (4.9) are above than the 5-year average Industry ROE (2.3). This shows that the business is positioned in the top quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM (%)	81.75	12.87
PPOP (%)	-65.35	-
RoA (%)	4.7	1.4
ROCE (%)	6.9	4.15
ROE (%)	4.9	2.3

Valuation & price assessment

Q.1 Stock return of Integra Capital Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of -1.1% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	-1.1%	5.1%	-11.7%	-1.3%

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	6.42	17.81	29.12
Price to Book	1.17	1.93	1.11
Price to Sales	5.08	9.68	9.10
EV to EBITDA	6.66	12.69	11.77

Q.3 Valuation ratios of Integra Capital Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of 1.17 is lower than its historical median of 1.93, indicating that the stock is trading below its historical average valuation.

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