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INVESTMENT INSIGHTS

Check Before You Invest : Magnanimous Trade & Finance Ltd

BSE: 512377 NSE: ISIN: INE664N01018
  |   Sector:  BFSI   |   Industry:  Finance - Investment

Snapshot

Q.1 Which industry/sub-sector does Magnanimous Trade & Finance Ltd belong to?
Magnanimous Trade & Finance Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.
Q.2 Is Magnanimous Trade & Finance Ltd a good quality company?
Magnanimous Trade & Finance 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 Magnanimous Trade & Finance Ltd undervalued or overvalued?
Magnanimous Trade & Finance 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 0.03 0.65
Price to Book 0.02 0.04
Price to Sales 1.06 2.09
EV to EBITDA -0.82 0.49
Q.4 Is Magnanimous Trade & Finance Ltd a good buy now?
Magnanimous Trade & Finance 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 Magnanimous Trade & Finance Ltd?
Magnanimous Trade & Finance Ltd Operating Income growth is 901.15% for FY-2025, which is above its 5-year CAGR of 49.19%, indicating faster growth.

Q.2 Return on Assets of Magnanimous Trade & Finance Ltd?
Magnanimous Trade & Finance Ltd Return on Asset is 14.4%, which is above its 5-year historical median of 4.8%, indicating improved earnings on assets.
Current Level 5-year
Historic Median
NPM (%) 44.99 44.99
PPOP (%) -67.86 120
RoA (%) 14.4 4.8

Q.3 Return on Equity (ROE) of Magnanimous Trade & Finance Ltd?
Magnanimous Trade & Finance Ltd Return on Equity is 16% for FY-2025, which is above its 5-year historical median of 5%, indicating the business is making better use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Magnanimous Trade & Finance Ltd?
Magnanimous Trade & Finance Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -67.86% for FY-2025, which is below its 5-year median(120%), indicating decreasing margins.

Q.5 Net Profit Margin of Magnanimous Trade & Finance Ltd?
Magnanimous Trade & Finance 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 44.99% for FY-2025, which is in line with its 5-year median( 44.99%), indicating stable margins.

Q.6 Does its ROIC exceed its WACC?
Magnanimous Trade & Finance Ltd return on invested capital (ROIC) is 15.98% for FY-2025, is higher than its estimated weighted average cost of capital (WACC) of 14%, indicating value creation.

B: Does the bank grow efficiently and manage its operating costs?

Q.7 Total Asset growth of Magnanimous Trade & Finance Ltd?
Magnanimous Trade & Finance Ltd Total Asset growth is 7.45% for FY-2025, which is below its 5-year CAGR of 32.67%, indicating slower growth.

Ownership & governance

D: Promoter shareholding and pledge status of Magnanimous Trade & Finance Ltd?

Q.1 Promoter shareholding and pledge status of Magnanimous Trade & Finance Ltd?
Promoters hold 71.44% of the Magnanimous Trade & Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Magnanimous Trade & Finance Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Magnanimous Trade & Finance Ltd vs Industry Peers?
Magnanimous Trade & Finance Ltd AUM CAGR is 32.67%, 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 Magnanimous Trade & Finance Ltd vs industry peers
Magnanimous Trade & Finance 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 (%) 44.99 3.12
PPOP (%) -67.86 -7.72
RoA (%) 14.4 0.8

Q.3 Operating efficiency of Magnanimous Trade & Finance Ltd vs industry peers?
Magnanimous Trade & Finance Ltd ROCE (5.8) is above the industry median of (1.8); while the current ROE (5) are above than the 5-year average Industry ROE (0.9). This shows that the business is positioned in the top quartile of the industry.
Operating Efficiency
Current Level 5-year
Industry Median
NPM (%) 44.99 3.12
PPOP (%) -67.86 -7.72
RoA (%) 14.4 0.8
ROCE (%) 22.2 1.8
ROE (%) 16 0.9

Valuation & price assessment

Q.1 Stock return of Magnanimous Trade & Finance Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 47% based on the current price.
9Y 5Y 3Y 1Y
Share Price
CAGR		 47% 116% 235% 2250%
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 0.03 0.65 33.75
Price to Book 0.02 0.04 0.95
Price to Sales 1.06 2.09 12.43
EV to EBITDA -0.82 0.49 10.00
Q.3 Valuation ratios of Magnanimous Trade & Finance Ltd vs historical and industry averages?
The current Price-to-Book (P/B) ratio of 0.02 is lower than its historical median of 0.04, indicating that the stock is trading below its historical average valuation.

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