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INVESTMENT INSIGHTS

Check Before You Invest : The Investment Trust of India Ltd

BSE: 530023 NSE: THEINVEST ISIN: INE924D01017
  |   Sector:  BFSI   |   Industry:  Finance - NBFC

Snapshot

Q.1 Which industry/sub-sector does The Investment Trust of India Ltd belong to?
The Investment Trust of India Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.
Q.2 Is The Investment Trust of India Ltd a good quality company?
The Investment Trust of India Ltd is a weak quality company, based on a inconsistent 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 The Investment Trust of India Ltd undervalued or overvalued?
The Investment Trust of India Ltd appears Somewhat Undervalued, as its key valuation ratios are lower 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 - 73.89
Price to Book 1.14 1.30
Price to Sales 44.5 7.27
EV to EBITDA 106.3 41.65
Q.4 Is The Investment Trust of India Ltd a good buy now?
The Investment Trust of India Ltd is a neutral opportunity now, based on stable price trend analysis suggesting prices may move sideways. 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 The Investment Trust of India Ltd?
The Investment Trust of India Ltd Operating Income growth is -78.22% for FY-2025, which is below its 5-year CAGR of -43.32%, indicating slower growth.

Q.2 Return on Assets of The Investment Trust of India Ltd?
The Investment Trust of India Ltd Return on Asset is 0%, which is below its 5-year historical median of 0.2%, indicating deteriorated earnings on assets.
Current Level 5-year
Historic Median
NPM (%) 1.52 1.52
PPOP (%) -100 -75
RoA (%) - 0.2

Q.3 Return on Equity (ROE) of The Investment Trust of India Ltd?
The Investment Trust of India Ltd Return on Equity is 0% for FY-2025, which is below its 5-year historical median of 0.2%, indicating the business is making worse use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of The Investment Trust of India Ltd?
The Investment Trust of India Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -100% for FY-2025, which is below its 5-year median(-75%), indicating decreasing margins.

Q.5 Net Profit Margin of The Investment Trust of India Ltd?
The Investment Trust of India 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 1.52% for FY-2025, which is in line with its 5-year median( 1.52%), indicating stable margins.

Q.6 Does its ROIC exceed its WACC?
The Investment Trust of India Ltd return on invested capital (ROIC) is 0.69% 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 The Investment Trust of India Ltd?
The Investment Trust of India Ltd Total Asset growth is -2.54% for FY-2025, which is above its 5-year CAGR of -3%, indicating faster growth.

Ownership & governance

D: Promoter shareholding and pledge status of The Investment Trust of India Ltd?

Q.1 Promoter shareholding and pledge status of The Investment Trust of India Ltd?
Promoters hold 72.12% of the The Investment Trust of India Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does The Investment Trust of India Ltd performance compare with that of its Peers?

Q.1 AUM Growth of The Investment Trust of India Ltd vs Industry Peers?
The Investment Trust of India Ltd AUM CAGR is -3%, compared to the 5-year industry median CAGR of 9.68%, indicating slower growth and losing its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of The Investment Trust of India Ltd vs industry peers
The Investment Trust of India Ltd profit metrics are below the industry median level of 4.73%, indicating weaker profitability compared to peers.
Profit Metrics
Current Level 5-year
Industry Median
NPM (%) 1.52 12.79
PPOP (%) -100 -
RoA (%) - 1.4

Q.3 Operating efficiency of The Investment Trust of India Ltd vs industry peers?
The Investment Trust of India Ltd ROCE (2.6) is below the industry median of (4.1); while the current ROE (0.2) are below than the 5-year average Industry ROE (2.2). This shows that the business is positioned in the bottom quartile of the industry.
Operating Efficiency
Current Level 5-year
Industry Median
NPM (%) 1.52 12.79
PPOP (%) -100 -
RoA (%) - 1.4
ROCE (%) 1 4.1
ROE (%) - 2.2

Valuation & price assessment

Q.1 Stock return of The Investment Trust of India Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of -4.8% based on the current price.
9Y 5Y 3Y 1Y
Share Price
CAGR		 -4.8% -2.3% 2.8% -32%
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 - 73.89 29.12
Price to Book 1.14 1.30 1.11
Price to Sales 44.5 7.27 9.10
EV to EBITDA 106.3 41.65 11.77
Q.3 Valuation ratios of The Investment Trust of India Ltd vs historical and industry averages?
The current Price-to-Book (P/B) ratio of 1.14 is lower than its historical median of 1.30, indicating that the stock is trading below its historical average valuation.

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