SEBI Reg. Investment Advisor

Download App
Help Center Pricing
Money Works 4 Me Logo MoneyWorks4Me
Login Get Free Account
Sign Up

MoneyWorks4Me

Log In Sign Up Schedule Free 15‑min Call
Login Get Free Account
Sign Up

INVESTMENT INSIGHTS

Check Before You Invest : Ramsons Projects Ltd

BSE: 530925 NSE: ISIN: INE609D01014
  |   Sector:  BFSI   |   Industry:  Finance - NBFC

Snapshot

Q.1 Which industry/sub-sector does Ramsons Projects Ltd belong to?
Ramsons Projects Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.
Q.2 Is Ramsons Projects Ltd a good quality company?
Ramsons Projects 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 Ramsons Projects Ltd undervalued or overvalued?
Ramsons Projects Ltd appears Somewhat 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 3.82 9.21
Price to Book 1.57 0.93
Price to Sales 78.45 17.59
EV to EBITDA 1.86 15.07
Q.4 Is Ramsons Projects Ltd a good buy now?
Ramsons Projects 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 Ramsons Projects Ltd?
Ramsons Projects Ltd Operating Income growth is 99.07% for FY-2025, which is above its 5-year CAGR of 30.08%, indicating faster growth.

Q.2 Return on Assets of Ramsons Projects Ltd?
Ramsons Projects Ltd Return on Asset is 22.6%, which is above its 5-year historical median of 3.9%, indicating improved earnings on assets.
Current Level 5-year
Historic Median
NPM (%) 254.73 122.07
PPOP (%) 2.45 -63.16
RoA (%) 22.6 3.9

Q.3 Return on Equity (ROE) of Ramsons Projects Ltd?
Ramsons Projects Ltd Return on Equity is 22.8% for FY-2025, which is above its 5-year historical median of 3.9%, indicating the business is making better use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Ramsons Projects Ltd?
Ramsons Projects Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 2.45% for FY-2025, which is above its 5-year median(-63.16%), indicating increasing margins.

Q.5 Net Profit Margin of Ramsons Projects Ltd?
Ramsons Projects 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 254.73% for FY-2025, which is above its 5-year median( 122.07%), indicating increasing margins.

Q.6 Does its ROIC exceed its WACC?
Ramsons Projects Ltd return on invested capital (ROIC) is 22.77% 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 Ramsons Projects Ltd?
Ramsons Projects Ltd Total Asset growth is 25.45% for FY-2025, which is above its 5-year CAGR of 7.82%, indicating faster growth.

Ownership & governance

D: Promoter shareholding and pledge status of Ramsons Projects Ltd?

Q.1 Promoter shareholding and pledge status of Ramsons Projects Ltd?
Promoters hold 53.94% of the Ramsons Projects Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Ramsons Projects Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Ramsons Projects Ltd vs Industry Peers?
Ramsons Projects Ltd AUM CAGR is 7.82%, compared to the 5-year industry median CAGR of 9.71%, indicating slower growth and losing its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Ramsons Projects Ltd vs industry peers
Ramsons Projects Ltd profit metrics are above the industry median level of 4.76%, indicating stronger profitability compared to peers.
Profit Metrics
Current Level 5-year
Industry Median
NPM (%) 254.73 12.87
PPOP (%) 2.45 -
RoA (%) 22.6 1.4

Q.3 Operating efficiency of Ramsons Projects Ltd vs industry peers?
Ramsons Projects Ltd ROCE (3.8) is below the industry median of (4.15); while the current ROE (3.9) are above than the 5-year average Industry ROE (2.3). This shows that the business is positioned in the middle quartile of the industry.
Operating Efficiency
Current Level 5-year
Industry Median
NPM (%) 254.73 12.87
PPOP (%) 2.45 -
RoA (%) 22.6 1.4
ROCE (%) 27.4 4.15
ROE (%) 22.8 2.3

Valuation & price assessment

Q.1 Stock return of Ramsons Projects Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 21.2% based on the current price.
9Y 5Y 3Y 1Y
Share Price
CAGR		 21.2% 57.8% 56.5% 108.3%
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 3.82 9.21 29.12
Price to Book 1.57 0.93 1.11
Price to Sales 78.45 17.59 9.10
EV to EBITDA 1.86 15.07 11.77
Q.3 Valuation ratios of Ramsons Projects Ltd vs historical and industry averages?
The current Price-to-Book (P/B) ratio of 1.57 is higher than its historical median of 0.93, indicating that the stock is trading above its historical average valuation.

Check more companies

1. Tata Invest Corp
2. Manappuram Finance
3. CreditAccess Grameen
4. IIFL Finance
5. Five Star Business
6. Edelweiss Financial
7. SBFC Finance
8. Bengal & Assam
9. MAS Financial Serv
10. Fedbank Financial

Check trending companies

1. Nava Ltd.
2. Honeywell Automation India Ltd.
3. Hindustan Copper Ltd.
4. SBI Life Insurance Company Ltd.
5. Canara Bank
2026 ©The Alchemists Ark Pvt. Ltd. All rights reserved. MoneyWorks4Me® is a registered trademark of The Alchemists Ark Pvt. Ltd.

About MoneyWorks4Me

MoneyWorks4Me is a SEBI-registered Investment Adviser (IA) dedicated to helping investors build long-term wealth through transparent, research-driven, conflict-free guidance. Founded in 2008, we started our journey as a Research Analyst (RA), providing deep fundamental analysis, intrinsic value insights, and long-term investing frameworks for Indian equities. In 2017, we transitioned to a full-fledged SEBI-registered Investment Adviser, strengthening our commitment to acting as a fiduciary—always putting the investor’s interest first.

Our Vision

To become India’s most trusted, research-powered fiduciary advisory platform—where every investor, regardless of experience, can make calm, confident, and well-reasoned investment decisions.

What Makes MoneyWorks4Me Different

Our Approach: Ensuring compounding work its magic on client portfolio.

MoneyWorks4Me ensures this through:

×