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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 10-year financial track record.
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 below with their past averages.
Q.4 Is The Investment Trust of India Ltd a good buy now?
The Investment Trust of India Ltd is a good buy now, based on strong price trend analysis suggesting prices may rise. However, you need to check its quality and valuation before making a decision

Performance Analysis

Q.1 Total Income growth of The Investment Trust of India Ltd?
The Investment Trust of India Ltd Operating Income growth is -78.21% for FY-2025, which is below its 5-year CAGR of -43.31%, 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 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

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)

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 9.9%, 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 7.31%, indicating weaker profitability compared to peers.
Profit Metrics
Current Level 5-year
Industry Median
NPM% 1.52 15.95
PPOP% -100 4.54
RoA% - 1.45
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 (4.4); while the current ROE (0.2) are below than the 5-year average Industry ROE (2.7). 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 15.95
PPOP% -100 4.54
RoA% - 1.45
ROCE% 1 4.4
ROE% - 2.7

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 -2.6% based on the current price.
Q.2 What return has the stock given over the last decade?
9Y 5Y 3Y 1Y
Share Price
CAGR		 -2.6% -0.5% 11.6% -22.1%
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 513.79 103.44 28.96
Price to Book 1.22 1.30 1.11
Price to Sales 47.18 7.13 9.10
EV to EBITDA 72.82 41.34 11.77
Q.4 Valuation ratios of The Investment Trust of India Ltdvs historical and industry averages?
The current Price to book ratio (P/B) 1.22% is lower than its historical median of 1.30%, indicating that at the current price the stock is undervalued. However, you need a deeper analysis to make a better judgement.

Strategic outlook

Q.1 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.

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