Check Before You Invest : Nagreeka Capital & Infrastructure Ltd

BSE: 532895 NSE: NAGREEKCAP ISIN: INE245I01016

| Sector: BFSI | Industry: Finance - NBFC

Snapshot

Q.1 Which industry/sub-sector does Nagreeka Capital & Infrastructure Ltd belong to?

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

Q.2 Is Nagreeka Capital & Infrastructure Ltd a good quality company?

Nagreeka Capital & Infrastructure Ltd is a quality company, based on a 10-year financial track record.

Q.3 Is Nagreeka Capital & Infrastructure Ltd undervalued or overvalued?

Nagreeka Capital & Infrastructure Ltd appears Somewhat overvalued, as its key valuation ratios are above with their past averages.

Q.4 Is Nagreeka Capital & Infrastructure Ltd a good buy now?

Nagreeka Capital & Infrastructure 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 Nagreeka Capital & Infrastructure Ltd?

Nagreeka Capital & Infrastructure Ltd Operating Income growth is -9.14% for FY-2025, which is below its 5-year CAGR of -8.36%, indicating slower growth.

Q.2 Return on Assets of Nagreeka Capital & Infrastructure Ltd?

Nagreeka Capital & Infrastructure Ltd Return on Asset is 19.7%, which is above its 5-year historical median of 5.9%, indicating improved earnings on assets.

	Current Level	5-year Historic Median
NPM%	32.49	21.21
PPOP%	8.29	61.35
RoA%	19.7	5.9

Q.3 Return on Equity (ROE) of Nagreeka Capital & Infrastructure Ltd?

Nagreeka Capital & Infrastructure Ltd Return on Equity is 156.7% for FY-2025, which is above its 5-year historical median of 0.8%, indicating the business is making better use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Nagreeka Capital & Infrastructure Ltd?

Nagreeka Capital & Infrastructure Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 8.29% for FY-2025, which is below its 5-year median(61.35%), indicating decreasing margins.

Q.5 Net Profit Margin of Nagreeka Capital & Infrastructure Ltd?

Nagreeka Capital & Infrastructure 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 32.49% for FY-2025, which is above its 5-year median( 21.21%), indicating increasing margins.

Q.6 Total Asset growth of Nagreeka Capital & Infrastructure Ltd?

Nagreeka Capital & Infrastructure Ltd Total Asset growth is 26.39% for FY-2025, which is above its 5-year CAGR of 24.58%, indicating faster growth.

Q.7 Capital Adequacy ratio of Nagreeka Capital & Infrastructure Ltd?

Nagreeka Capital & Infrastructure Ltd Capital Adequacy ratio (CAR) is -0.1% for FY-2025, which is below the regulatory requirement of 15%, indicating adequate capital position.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Nagreeka Capital & Infrastructure Ltd?

Promoters hold 53.53% of the Nagreeka Capital & Infrastructure Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of Nagreeka Capital & Infrastructure Ltd vs Industry Peers?

Nagreeka Capital & Infrastructure Ltd AUM CAGR is 24.58%, compared to the 5-year industry median CAGR of 9.9%, indicating faster growth and gaining its market share.

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

Nagreeka Capital & Infrastructure Ltd profit metrics are above the industry median level of 7.31%, indicating stronger profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM%	32.49	15.95
PPOP%	8.29	4.54
RoA%	19.7	1.45

Q.3 Operating efficiency of Nagreeka Capital & Infrastructure Ltd vs industry peers?

Nagreeka Capital & Infrastructure Ltd ROCE (9.2) is above the industry median of (4.4); while the current ROE (0.8) are below than the 5-year average Industry ROE (2.7). This shows that the business is positioned in the middle quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM%	32.49	15.95
PPOP%	8.29	4.54
RoA%	19.7	1.45
ROCE%	29.2	4.4
ROE%	156.7	2.7

Valuation & price assessment

Q.1 Stock return of Nagreeka Capital & Infrastructure Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 9.7% based on the current price.

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

	9Y	5Y	3Y	1Y
Share Price CAGR	9.7%	37.3%	12.9%	4.3%

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	2.32	2.81	28.96
Price to Book	1.3	0.73	1.11
Price to Sales	0.88	4.05	9.10
EV to EBITDA	3.69	8.25	11.77

Q.4 Valuation ratios of Nagreeka Capital & Infrastructure Ltdvs historical and industry averages?

The current Price to book ratio (P/B) 1.3% is higher than its historical median of 0.73%, 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?

Nagreeka Capital & Infrastructure Ltd return on invested capital (ROIC) is 21.37% for FY-2025, is higher than its estimated weighted average cost of capital (WACC) of 14%, indicating value creation.

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