Check Before You Invest : Onelife Capital Advisors Ltd

Snapshot

Q.1 Which industry/sub-sector does Onelife Capital Advisors Ltd belong to?

Onelife Capital Advisors Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.

Q.2 Is Onelife Capital Advisors Ltd a good quality company?

Onelife Capital Advisors Ltd is a quality company, based on a 10-year financial track record.

Q.3 Is Onelife Capital Advisors Ltd undervalued or overvalued?

Onelife Capital Advisors Ltd appears Overvalued, as its key valuation ratios are above with their past averages.

Q.4 Is Onelife Capital Advisors Ltd a good buy now?

Onelife Capital Advisors 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 Onelife Capital Advisors Ltd?

Onelife Capital Advisors Ltd Operating Income growth is -69.51% for FY-2025, which is below its 5-year CAGR of 10.08%, indicating slower growth.

Q.2 Return on Assets of Onelife Capital Advisors Ltd?

Onelife Capital Advisors Ltd Return on Asset is -2.9%, which is below its 5-year historical median of -0.4%, indicating deteriorated earnings on assets.

	Current Level	5-year Historic Median
NPM%	-43.23	-9.73
PPOP%	-93.07	-93.07
RoA%	-2.9	-0.4

Q.3 Return on Equity (ROE) of Onelife Capital Advisors Ltd?

Onelife Capital Advisors Ltd Return on Equity is -11.4% for FY-2025, which is below its 5-year historical median of -0.5%, indicating the business is making worse use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Onelife Capital Advisors Ltd?

Onelife Capital Advisors Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -93.07% for FY-2025, which is in line with its 5-year median(-93.07%), indicating stable margins.

Q.5 Net Profit Margin of Onelife Capital Advisors Ltd?

Onelife Capital Advisors 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 -43.23% for FY-2025, which is below its 5-year median( -9.73%), indicating decreasing margins.

Q.6 Total Asset growth of Onelife Capital Advisors Ltd?

Onelife Capital Advisors Ltd Total Asset growth is 3.55% for FY-2025, which is below its 5-year CAGR of 13%, indicating slower growth.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Onelife Capital Advisors Ltd?

Promoters hold 26.03% of the Onelife Capital Advisors Ltd, with 71.00% of their stake pledged, indicating high pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of Onelife Capital Advisors Ltd vs Industry Peers?

Onelife Capital Advisors Ltd AUM CAGR is 13%, 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 Onelife Capital Advisors Ltd vs industry peers

Onelife Capital Advisors Ltd profit metrics are below the industry median level of -0.85%, indicating weaker profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM%	-43.23	9.95
PPOP%	-93.07	-13.31
RoA%	-2.9	0.8

Q.3 Operating efficiency of Onelife Capital Advisors Ltd vs industry peers?

Onelife Capital Advisors Ltd ROCE (-0.3) is below the industry median of (1.9); while the current ROE (-0.5) 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%	-43.23	9.95
PPOP%	-93.07	-13.31
RoA%	-2.9	0.8
ROCE%	-0.9	1.9
ROE%	-11.4	1.2

Valuation & price assessment

Q.1 Stock return of Onelife Capital Advisors Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of -3.3% based on the current price.

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

	9Y	5Y	3Y	1Y
Share Price CAGR	-3.3%	22.2%	15.9%	78.2%

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	-	17.98	33.72
Price to Book	1.13	0.35	0.94
Price to Sales	10.46	3.63	12.44
EV to EBITDA	63.06	-0.43	9.97

Q.4 Valuation ratios of Onelife Capital Advisors Ltdvs historical and industry averages?

The current Price to book ratio (P/B) 1.13% is higher than its historical median of 0.35%, 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?

Onelife Capital Advisors Ltd return on invested capital (ROIC) is -5.21% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

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