Check Before You Invest : Parshwanath Corporation Ltd

Q: Which industry/sub-sector does Parshwanath Corporation Ltd belong to?

Parshwanath Corporation Ltd belongs to the BFSI sector, operating specifically within the Finance - Housing segment.

Q: Is Parshwanath Corporation Ltd a good quality company?

Parshwanath Corporation 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: Is Parshwanath Corporation Ltd undervalued or overvalued?

Parshwanath Corporation 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: 98.58, Historic Median: 38.99. Price to Book, Current: 2.65, Historic Median: 1.28. Price to Sales, Current: 48.42, Historic Median: 24.73. EV to EBITDA, Current: 61.67, Historic Median: 8.40

Q: Is Parshwanath Corporation Ltd a good buy now?

Parshwanath 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 Parshwanath Corporation Ltd?

Parshwanath Corporation Ltd Operating Income growth is 18.58% for FY-2025, which is above its 5-year CAGR of -6.38%, indicating faster growth.

Q: Return on Assets of Parshwanath Corporation Ltd?

Parshwanath Corporation Ltd Return on Asset is 4.5%, which is in line with its 5-year historical median of 4.4%, indicating stable earnings on assets. Efficiency & Key Metrics. NPM (%), Current: 79.04, Historic Median: 79.04. PPOP (%), Current: 21.33, Historic Median: 7.55. RoA (%), Current: 4.5, Historic Median: 4.4

Q: Return on Equity (ROE) of Parshwanath Corporation Ltd?

Parshwanath Corporation Ltd Return on Equity is 4.7% for FY-2025, which is above its 5-year historical median of 4.4%, indicating the business is making better use of its shareholders capital.

Q: Pre-provisioning operating profit margin of Parshwanath Corporation Ltd?

Parshwanath Corporation Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 21.33% for FY-2025, which is above its 5-year median(7.55%), indicating increasing margins.

Q: Net Profit Margin of Parshwanath Corporation Ltd?

Parshwanath 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 79.04% for FY-2025, which is in line with its 5-year median( 79.04%), indicating stable margins.

Q: Does its ROIC exceed its WACC?

Parshwanath Corporation Ltd return on invested capital (ROIC) is 4.6% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

Check Before You Invest : Parshwanath Corporation Ltd

BSE: 511176 NSE: ISIN: INE635I01018

| Sector: BFSI | Industry: Finance - Housing

Snapshot

Q.1 Which industry/sub-sector does Parshwanath Corporation Ltd belong to?

Parshwanath Corporation Ltd belongs to the BFSI sector, operating specifically within the Finance - Housing segment.

Q.2 Is Parshwanath Corporation Ltd a good quality company?

Parshwanath Corporation 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 Parshwanath Corporation Ltd undervalued or overvalued?

Parshwanath Corporation 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	98.58	38.99
Price to Book	2.65	1.28
Price to Sales	48.42	24.73
EV to EBITDA	61.67	8.40

Q.4 Is Parshwanath Corporation Ltd a good buy now?

Parshwanath 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 Parshwanath Corporation Ltd?

Parshwanath Corporation Ltd Operating Income growth is 18.58% for FY-2025, which is above its 5-year CAGR of -6.38%, indicating faster growth.

Q.2 Return on Assets of Parshwanath Corporation Ltd?

Parshwanath Corporation Ltd Return on Asset is 4.5%, which is in line with its 5-year historical median of 4.4%, indicating stable earnings on assets.

	Current Level	5-year Historic Median
NPM (%)	79.04	79.04
PPOP (%)	21.33	7.55
RoA (%)	4.5	4.4

Q.3 Return on Equity (ROE) of Parshwanath Corporation Ltd?

Parshwanath Corporation Ltd Return on Equity is 4.7% for FY-2025, which is above its 5-year historical median of 4.4%, indicating the business is making better use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Parshwanath Corporation Ltd?

Parshwanath Corporation Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 21.33% for FY-2025, which is above its 5-year median(7.55%), indicating increasing margins.

Q.5 Net Profit Margin of Parshwanath Corporation Ltd?

Parshwanath 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 79.04% for FY-2025, which is in line with its 5-year median( 79.04%), indicating stable margins.

Q.6 Does its ROIC exceed its WACC?

Parshwanath Corporation Ltd return on invested capital (ROIC) is 4.6% 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.7 Total Asset growth of Parshwanath Corporation Ltd?

Parshwanath Corporation Ltd Total Asset growth is 1.73% for FY-2025, which is below its 5-year CAGR of 4.02%, indicating slower growth.

Ownership & governance

D: Promoter shareholding and pledge status of Parshwanath Corporation Ltd?

Q.1 Promoter shareholding and pledge status of Parshwanath Corporation Ltd?

Promoters hold 74.69% of the Parshwanath Corporation Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Parshwanath Corporation Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Parshwanath Corporation Ltd vs Industry Peers?

Parshwanath Corporation Ltd AUM CAGR is 4.02%, compared to the 5-year industry median CAGR of 4.02%, indicating stable growth and maintaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Parshwanath Corporation Ltd vs industry peers

Parshwanath Corporation Ltd profit metrics are above the industry median level of 10.39%, indicating stronger profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM (%)	79.04	17.47
PPOP (%)	21.33	11.85
RoA (%)	4.5	1.85

Q.3 Operating efficiency of Parshwanath Corporation Ltd vs industry peers?

Parshwanath Corporation Ltd ROCE (4.7) is below the industry median of (8.9); while the current ROE (4.4) are below than the 5-year average Industry ROE (12.3). This shows that the business is positioned in the bottom quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM (%)	79.04	17.47
PPOP (%)	21.33	11.85
RoA (%)	4.5	1.85
ROCE (%)	5.5	8.9
ROE (%)	4.7	12.3

Valuation & price assessment

Q.1 Stock return of Parshwanath Corporation Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 21.4% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	21.4%	30%	56.1%	-24.5%

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	98.58	38.99	14.87
Price to Book	2.65	1.28	1.28
Price to Sales	48.42	24.73	3.57
EV to EBITDA	61.67	8.40	10.71

Q.3 Valuation ratios of Parshwanath Corporation Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of 2.65 is higher than its historical median of 1.28, indicating that the stock is trading above its historical average valuation.

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10. Repco Home Finance

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Check Before You Invest : Parshwanath Corporation Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

Check more companies

Check trending companies

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