Check Before You Invest : PH Capital Ltd

Q: Which industry/sub-sector does PH Capital Ltd belong to?

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

Q: Is PH Capital Ltd a good quality company?

PH Capital Ltd is a average quality company, based on a somewhat consistent 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 PH Capital Ltd undervalued or overvalued?

PH Capital 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: 70.37, Historic Median: 2.89. Price to Book, Current: 3.96, Historic Median: 0.91. Price to Sales, Current: 2.02, Historic Median: 0.31. EV to EBITDA, Current: 39.69, Historic Median: 1.89

Q: Is PH Capital Ltd a good buy now?

PH Capital 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 PH Capital Ltd?

PH Capital Ltd Operating Income growth is 14.98% for FY-2025, which is below its 5-year CAGR of 25.71%, indicating slower growth.

Q: Return on Assets of PH Capital Ltd?

PH Capital Ltd Return on Asset is 13.9%, which is below its 5-year historical median of 40.4%, indicating deteriorated earnings on assets. Efficiency & Key Metrics. NPM (%), Current: 4.23, Historic Median: 12.46. PPOP (%), Current: -60.71, Historic Median: -128.57. RoA (%), Current: 13.9, Historic Median: 40.4

Q: Return on Equity (ROE) of PH Capital Ltd?

PH Capital Ltd Return on Equity is 15.6% for FY-2025, which is below its 5-year historical median of 47.6%, indicating the business is making worse use of its shareholders capital.

Q: Pre-provisioning operating profit margin of PH Capital Ltd?

PH Capital Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -60.71% for FY-2025, which is above its 5-year median(-128.57%), indicating increasing margins.

Q: Net Profit Margin of PH Capital Ltd?

PH Capital 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 4.23% for FY-2025, which is below its 5-year median( 12.46%), indicating decreasing margins.

Q: Does its ROIC exceed its WACC?

PH Capital Ltd return on invested capital (ROIC) is 15.84% for FY-2025, is higher than its estimated weighted average cost of capital (WACC) of 14%, indicating value creation.

Check Before You Invest : PH Capital Ltd

BSE: 500143 NSE: ISIN: INE160F01013

| Sector: BFSI | Industry: Finance - Investment

Snapshot

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

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

Q.2 Is PH Capital Ltd a good quality company?

PH Capital Ltd is a average quality company, based on a somewhat consistent 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 PH Capital Ltd undervalued or overvalued?

PH Capital 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	70.37	2.89
Price to Book	3.96	0.91
Price to Sales	2.02	0.31
EV to EBITDA	39.69	1.89

Q.4 Is PH Capital Ltd a good buy now?

PH Capital 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 PH Capital Ltd?

PH Capital Ltd Operating Income growth is 14.98% for FY-2025, which is below its 5-year CAGR of 25.71%, indicating slower growth.

Q.2 Return on Assets of PH Capital Ltd?

PH Capital Ltd Return on Asset is 13.9%, which is below its 5-year historical median of 40.4%, indicating deteriorated earnings on assets.

	Current Level	5-year Historic Median
NPM (%)	4.23	12.46
PPOP (%)	-60.71	-128.57
RoA (%)	13.9	40.4

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

PH Capital Ltd Return on Equity is 15.6% for FY-2025, which is below its 5-year historical median of 47.6%, indicating the business is making worse use of its shareholders capital.

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

PH Capital Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -60.71% for FY-2025, which is above its 5-year median(-128.57%), indicating increasing margins.

Q.5 Net Profit Margin of PH Capital Ltd?

PH Capital 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 4.23% for FY-2025, which is below its 5-year median( 12.46%), indicating decreasing margins.

Q.6 Does its ROIC exceed its WACC?

PH Capital Ltd return on invested capital (ROIC) is 15.84% 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 PH Capital Ltd?

PH Capital Ltd Total Asset growth is 26% for FY-2025, which is below its 5-year CAGR of 44.5%, indicating slower growth.

Ownership & governance

D: Promoter shareholding and pledge status of PH Capital Ltd?

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

Promoters hold 72.70% of the PH Capital Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does PH Capital Ltd performance compare with that of its Peers?

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

PH Capital Ltd AUM CAGR is 44.5%, 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 PH Capital Ltd vs industry peers

PH Capital 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 (%)	4.23	3.12
PPOP (%)	-60.71	-7.72
RoA (%)	13.9	0.8

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

PH Capital Ltd ROCE (59.5) is above the industry median of (1.8); while the current ROE (47.6) 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 (%)	4.23	3.12
PPOP (%)	-60.71	-7.72
RoA (%)	13.9	0.8
ROCE (%)	21.8	1.8
ROE (%)	15.6	0.9

Valuation & price assessment

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

Over the last 9 years, the stock has delivered a CAGR of 41% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	41%	94.7%	122.6%	301.8%

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	70.37	2.89	33.75
Price to Book	3.96	0.91	0.95
Price to Sales	2.02	0.31	12.43
EV to EBITDA	39.69	1.89	10.00

Q.3 Valuation ratios of PH Capital Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of 3.96 is higher than its historical median of 0.91, indicating that the stock is trading above its historical average valuation.

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Check Before You Invest : PH Capital 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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