Check Before You Invest : Kartik Investments Trust Ltd

Q: Which industry/sub-sector does Kartik Investments Trust Ltd belong to?

Kartik Investments Trust Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.

Q: Is Kartik Investments Trust Ltd a good quality company?

Kartik Investments Trust 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 Kartik Investments Trust Ltd undervalued or overvalued?

Kartik Investments Trust Ltd 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. Price to Earnings, Current: 48.37, Historic Median: -. Price to Book, Current: 29.31, Historic Median: 4.36. Price to Sales, Current: 42.03, Historic Median: 694.87. EV to EBITDA, Current: 40.38, Historic Median: -688.38

Q: Is Kartik Investments Trust Ltd a good buy now?

Kartik Investments Trust 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 Kartik Investments Trust Ltd?

Kartik Investments Trust Ltd Operating Income growth is -42.5% for FY-2025, which is below its 5-year CAGR of 0%, indicating slower growth.

Q: Return on Assets of Kartik Investments Trust Ltd?

Kartik Investments Trust Ltd Return on Asset is -0.5%, which is in line with its 5-year historical median of -0.5%, indicating stable earnings on assets. Efficiency & Key Metrics. NPM (%), Current: -111.21, Historic Median: -106.61. PPOP (%), Current: -, Historic Median: -. RoA (%), Current: -0.5, Historic Median: -0.5

Q: Return on Equity (ROE) of Kartik Investments Trust Ltd?

Kartik Investments Trust Ltd Return on Equity is -0.6% for FY-2025, which is in line with its 5-year historical median of -0.6%, indicating the business is making similar use of its shareholders capital.

Q: Net Profit Margin of Kartik Investments Trust Ltd?

Kartik Investments Trust 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 -111.21% for FY-2025, which is in line with its 5-year median( -106.61%), indicating stable margins.

Q: Does its ROIC exceed its WACC?

Kartik Investments Trust Ltd return on invested capital (ROIC) is -0.6% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

Q: Total Asset growth of Kartik Investments Trust Ltd?

Kartik Investments Trust Ltd Total Asset growth is 0% for FY-2025, which is below its 5-year CAGR of 10.76%, indicating slower growth.

Check Before You Invest : Kartik Investments Trust Ltd

BSE: 501151 NSE: ISIN: INE524U01019

| Sector: BFSI | Industry: Finance - Investment

Snapshot

Q.1 Which industry/sub-sector does Kartik Investments Trust Ltd belong to?

Kartik Investments Trust Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.

Q.2 Is Kartik Investments Trust Ltd a good quality company?

Kartik Investments Trust 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 Kartik Investments Trust Ltd undervalued or overvalued?

Kartik Investments Trust Ltd 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	5-year Historic Median
Price to Earnings	48.37	-
Price to Book	29.31	4.36
Price to Sales	42.03	694.87
EV to EBITDA	40.38	-688.38

Q.4 Is Kartik Investments Trust Ltd a good buy now?

Kartik Investments Trust 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 Kartik Investments Trust Ltd?

Kartik Investments Trust Ltd Operating Income growth is -42.5% for FY-2025, which is below its 5-year CAGR of 0%, indicating slower growth.

Q.2 Return on Assets of Kartik Investments Trust Ltd?

Kartik Investments Trust Ltd Return on Asset is -0.5%, which is in line with its 5-year historical median of -0.5%, indicating stable earnings on assets.

	Current Level	5-year Historic Median
NPM (%)	-111.21	-106.61
PPOP (%)	-	-
RoA (%)	-0.5	-0.5

Q.3 Return on Equity (ROE) of Kartik Investments Trust Ltd?

Kartik Investments Trust Ltd Return on Equity is -0.6% for FY-2025, which is in line with its 5-year historical median of -0.6%, indicating the business is making similar use of its shareholders capital.

Q.4 Net Profit Margin of Kartik Investments Trust Ltd?

Kartik Investments Trust 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 -111.21% for FY-2025, which is in line with its 5-year median( -106.61%), indicating stable margins.

Q.5 Does its ROIC exceed its WACC?

Kartik Investments Trust Ltd return on invested capital (ROIC) is -0.6% 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.6 Total Asset growth of Kartik Investments Trust Ltd?

Kartik Investments Trust Ltd Total Asset growth is 0% for FY-2025, which is below its 5-year CAGR of 10.76%, indicating slower growth.

Ownership & governance

D: Promoter shareholding and pledge status of Kartik Investments Trust Ltd?

Q.1 Promoter shareholding and pledge status of Kartik Investments Trust Ltd?

Promoters hold 74.82% of the Kartik Investments Trust Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Kartik Investments Trust Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Kartik Investments Trust Ltd vs Industry Peers?

Kartik Investments Trust Ltd AUM CAGR is 10.76%, compared to the 5-year industry median CAGR of 9.27%, indicating faster growth and gaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Kartik Investments Trust Ltd vs industry peers

Kartik Investments Trust Ltd profit metrics are in line with the industry median level of -1.27%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM (%)	-111.21	3.12
PPOP (%)	-	-7.72
RoA (%)	-0.5	0.8

Q.3 Operating efficiency of Kartik Investments Trust Ltd vs industry peers?

Kartik Investments Trust Ltd ROCE (-0.6) is below the industry median of (1.8); while the current ROE (-0.6) are below than the 5-year average Industry ROE (0.9). This shows that the business is positioned in the bottom quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM (%)	-111.21	3.12
PPOP (%)	-	-7.72
RoA (%)	-0.5	0.8
ROCE (%)	-0.6	1.8
ROE (%)	-0.6	0.9

Valuation & price assessment

Q.1 Stock return of Kartik Investments Trust Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 43.1% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	43.1%	73.1%	166.4%	875.6%

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	48.37	-	33.75
Price to Book	29.31	4.36	0.95
Price to Sales	42.03	694.87	12.43
EV to EBITDA	40.38	-688.38	10.00

Q.3 Valuation ratios of Kartik Investments Trust Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of 29.31 is higher than its historical median of 4.36, indicating that the stock is trading above its historical average valuation.

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Check Before You Invest : Kartik Investments Trust Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

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