Check Before You Invest : Maha Rashtra Apex Corporation Ltd

Q: Which industry/sub-sector does Maha Rashtra Apex Corporation Ltd belong to?

Maha Rashtra Apex Corporation Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.

Q: Is Maha Rashtra Apex Corporation Ltd a good quality company?

Maha Rashtra Apex Corporation 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 Maha Rashtra Apex Corporation Ltd undervalued or overvalued?

Maha Rashtra Apex Corporation 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: 14.9, Historic Median: 22.45. Price to Book, Current: 0.29, Historic Median: 0.91. Price to Sales, Current: 56.31, Historic Median: 116.71. EV to EBITDA, Current: 49.07, Historic Median: 33.51

Q: Is Maha Rashtra Apex Corporation Ltd a good buy now?

Maha Rashtra Apex Corporation 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 Maha Rashtra Apex Corporation Ltd?

Maha Rashtra Apex Corporation Ltd Operating Income growth is -93.4% for FY-2025, which is below its 5-year CAGR of -14.73%, indicating slower growth.

Q: Return on Assets of Maha Rashtra Apex Corporation Ltd?

Maha Rashtra Apex Corporation Ltd Return on Asset is 2.2%, which is in line with its 5-year historical median of 2.2%, indicating stable earnings on assets. Efficiency & Key Metrics. NPM (%), Current: 2654.12, Historic Median: 736.8. PPOP (%), Current: 77.78, Historic Median: 50. RoA (%), Current: 2.2, Historic Median: 2.2

Q: Return on Equity (ROE) of Maha Rashtra Apex Corporation Ltd?

Maha Rashtra Apex Corporation Ltd Return on Equity is 2.7% for FY-2025, which is below its 5-year historical median of 3.8%, indicating the business is making worse use of its shareholders capital.

Q: Pre-provisioning operating profit margin of Maha Rashtra Apex Corporation Ltd?

Maha Rashtra Apex Corporation Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 77.78% for FY-2025, which is above its 5-year median(50%), indicating increasing margins.

Q: Net Profit Margin of Maha Rashtra Apex Corporation Ltd?

Maha Rashtra Apex Corporation 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 2654.12% for FY-2025, which is above its 5-year median( 736.8%), indicating increasing margins.

Q: Does its ROIC exceed its WACC?

Maha Rashtra Apex Corporation Ltd return on invested capital (ROIC) is 2.65% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

Check Before You Invest : Maha Rashtra Apex Corporation Ltd

Snapshot

Q.1 Which industry/sub-sector does Maha Rashtra Apex Corporation Ltd belong to?

Maha Rashtra Apex Corporation Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.

Q.2 Is Maha Rashtra Apex Corporation Ltd a good quality company?

Maha Rashtra Apex Corporation 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 Maha Rashtra Apex Corporation Ltd undervalued or overvalued?

Maha Rashtra Apex Corporation 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	14.9	22.45
Price to Book	0.29	0.91
Price to Sales	56.31	116.71
EV to EBITDA	49.07	33.51

Q.4 Is Maha Rashtra Apex Corporation Ltd a good buy now?

Maha Rashtra Apex Corporation 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 Maha Rashtra Apex Corporation Ltd?

Maha Rashtra Apex Corporation Ltd Operating Income growth is -93.4% for FY-2025, which is below its 5-year CAGR of -14.73%, indicating slower growth.

Q.2 Return on Assets of Maha Rashtra Apex Corporation Ltd?

Maha Rashtra Apex Corporation Ltd Return on Asset is 2.2%, which is in line with its 5-year historical median of 2.2%, indicating stable earnings on assets.

	Current Level	5-year Historic Median
NPM (%)	2654.12	736.8
PPOP (%)	77.78	50
RoA (%)	2.2	2.2

Q.3 Return on Equity (ROE) of Maha Rashtra Apex Corporation Ltd?

Maha Rashtra Apex Corporation Ltd Return on Equity is 2.7% for FY-2025, which is below its 5-year historical median of 3.8%, indicating the business is making worse use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Maha Rashtra Apex Corporation Ltd?

Maha Rashtra Apex Corporation Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 77.78% for FY-2025, which is above its 5-year median(50%), indicating increasing margins.

Q.5 Net Profit Margin of Maha Rashtra Apex Corporation Ltd?

Maha Rashtra Apex Corporation 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 2654.12% for FY-2025, which is above its 5-year median( 736.8%), indicating increasing margins.

Q.6 Does its ROIC exceed its WACC?

Maha Rashtra Apex Corporation Ltd return on invested capital (ROIC) is 2.65% 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 Maha Rashtra Apex Corporation Ltd?

Maha Rashtra Apex Corporation Ltd Total Asset growth is 1.15% for FY-2025, which is below its 5-year CAGR of 19.24%, indicating slower growth.

Ownership & governance

D: Promoter shareholding and pledge status of Maha Rashtra Apex Corporation Ltd?

Q.1 Promoter shareholding and pledge status of Maha Rashtra Apex Corporation Ltd?

Promoters hold 62.54% of the Maha Rashtra Apex Corporation Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Maha Rashtra Apex Corporation Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Maha Rashtra Apex Corporation Ltd vs Industry Peers?

Maha Rashtra Apex Corporation Ltd AUM CAGR is 19.24%, 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 Maha Rashtra Apex Corporation Ltd vs industry peers

Maha Rashtra Apex Corporation Ltd profit metrics are above the industry median level of -1.27%, indicating stronger profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM (%)	2654.12	3.12
PPOP (%)	77.78	-7.72
RoA (%)	2.2	0.8

Q.3 Operating efficiency of Maha Rashtra Apex Corporation Ltd vs industry peers?

Maha Rashtra Apex Corporation Ltd ROCE (4.2) is above the industry median of (1.8); while the current ROE (3.8) 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 (%)	2654.12	3.12
PPOP (%)	77.78	-7.72
RoA (%)	2.2	0.8
ROCE (%)	3.6	1.8
ROE (%)	2.7	0.9

Valuation & price assessment

Q.1 Stock return of Maha Rashtra Apex Corporation Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 23% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	23%	-1.7%	-5.7%	-26.1%

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	14.9	22.45	33.75
Price to Book	0.29	0.91	0.95
Price to Sales	56.31	116.71	12.43
EV to EBITDA	49.07	33.51	10.00

Q.3 Valuation ratios of Maha Rashtra Apex Corporation Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of 0.29 is lower than its historical median of 0.91, indicating that the stock is trading below its historical average valuation.

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Check Before You Invest : Maha Rashtra Apex Corporation Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

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