Check Before You Invest : Jindal Leasefin Ltd

BSE: 539947 NSE: ISIN: INE919T01013

| Sector: BFSI | Industry: Finance - Investment

Snapshot

Q.1 Which industry/sub-sector does Jindal Leasefin Ltd belong to?

Jindal Leasefin Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.

Q.2 Is Jindal Leasefin Ltd a good quality company?

Jindal Leasefin Ltd is a quality company, based on a 10-year financial track record.

Q.3 Is Jindal Leasefin Ltd undervalued or overvalued?

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

Q.4 Is Jindal Leasefin Ltd a good buy now?

Jindal Leasefin 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 Jindal Leasefin Ltd?

Jindal Leasefin Ltd Operating Income growth is -29400% for FY-2025, which is below its 5-year CAGR of -216.94%, indicating slower growth.

Q.2 Return on Assets of Jindal Leasefin Ltd?

Jindal Leasefin Ltd Return on Asset is -22.8%, which is below its 5-year historical median of -1.3%, indicating deteriorated earnings on assets.

	Current Level	5-year Historic Median
NPM%	81.08	-7.84
PPOP%	1547.37	-50
RoA%	-22.8	-1.3

Q.3 Return on Equity (ROE) of Jindal Leasefin Ltd?

Jindal Leasefin Ltd Return on Equity is -32.5% for FY-2025, which is below its 5-year historical median of -1.3%, indicating the business is making worse use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Jindal Leasefin Ltd?

Jindal Leasefin Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 1547.37% for FY-2025, which is above its 5-year median(-50%), indicating increasing margins.

Q.5 Net Profit Margin of Jindal Leasefin Ltd?

Jindal Leasefin 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 81.08% for FY-2025, which is above its 5-year median( -7.84%), indicating increasing margins.

Q.6 Total Asset growth of Jindal Leasefin Ltd?

Jindal Leasefin Ltd Total Asset growth is 22.6% for FY-2025, which is above its 5-year CAGR of 9.91%, indicating faster growth.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Jindal Leasefin Ltd?

Promoters hold 73.11% of the Jindal Leasefin Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of Jindal Leasefin Ltd vs Industry Peers?

Jindal Leasefin Ltd AUM CAGR is 9.91%, compared to the 5-year industry median CAGR of 9.45%, indicating faster growth and gaining its market share.

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

Jindal Leasefin Ltd profit metrics are in line with the industry median level of -0.85%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM%	81.08	9.95
PPOP%	1547.37	-13.31
RoA%	-22.8	0.8

Q.3 Operating efficiency of Jindal Leasefin Ltd vs industry peers?

Jindal Leasefin Ltd ROCE (-1.5) is below the industry median of (1.9); while the current ROE (-1.3) are below than the 5-year average Industry ROE (1.2). This shows that the business is positioned in the bottom quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM%	81.08	9.95
PPOP%	1547.37	-13.31
RoA%	-22.8	0.8
ROCE%	-30.2	1.9
ROE%	-32.5	1.2

Valuation & price assessment

Q.1 Stock return of Jindal Leasefin Ltd over the last decade?

Over the last 5 years, the stock has delivered a CAGR of 32.37% based on the current price.

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

	9Y	5Y	3Y	1Y
Share Price CAGR	-	32.4%	23.3%	67.2%

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	23.95	45.13	33.72
Price to Book	4.09	1.47	0.94
Price to Sales	-	2264.20	12.44
EV to EBITDA	7.65	-10.80	9.97

Q.4 Valuation ratios of Jindal Leasefin Ltdvs historical and industry averages?

The current Price to book ratio (P/B) 4.09% is higher than its historical median of 1.47%, 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?

Jindal Leasefin Ltd return on invested capital (ROIC) is -22.99% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

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