Check Before You Invest : Trustedge Capital Ltd

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

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

Q: Is Trustedge Capital Ltd a good quality company?

Trustedge Capital 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: Is Trustedge Capital Ltd undervalued or overvalued?

Trustedge 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: 282.77, Historic Median: 19.50. Price to Book, Current: 2.79, Historic Median: 0.58. Price to Sales, Current: 29.5, Historic Median: 10.43. EV to EBITDA, Current: 408.81, Historic Median: 12.11

Q: Is Trustedge Capital Ltd a good buy now?

Trustedge 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 Trustedge Capital Ltd?

Trustedge Capital Ltd Operating Income growth is 5.6% for FY-2025, which is below its 5-year CAGR of 11.33%, indicating slower growth.

Q: Return on Assets of Trustedge Capital Ltd?

Trustedge Capital Ltd Return on Asset is 0.8%, which is below its 5-year historical median of 2.9%, indicating deteriorated earnings on assets. Efficiency & Key Metrics. NPM (%), Current: 15.08, Historic Median: 53.71. PPOP (%), Current: -, Historic Median: -. RoA (%), Current: 0.8, Historic Median: 2.9

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

Trustedge Capital Ltd Return on Equity is 0.8% for FY-2025, which is below its 5-year historical median of 3.1%, indicating the business is making worse use of its shareholders capital.

Q: Net Profit Margin of Trustedge Capital Ltd?

Trustedge 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 15.08% for FY-2025, which is below its 5-year median( 53.71%), indicating decreasing margins.

Q: Does its ROIC exceed its WACC?

Trustedge Capital Ltd return on invested capital (ROIC) is 0.78% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

Q: Total Asset growth of Trustedge Capital Ltd?

Trustedge Capital Ltd Total Asset growth is 15% for FY-2025, which is above its 5-year CAGR of 10.44%, indicating faster growth.

Check Before You Invest : Trustedge Capital Ltd

BSE: 532056 NSE: ISIN: INE398H01015

| Sector: BFSI | Industry: Finance - Investment

Snapshot

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

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

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

Trustedge Capital 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 Trustedge Capital Ltd undervalued or overvalued?

Trustedge 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	282.77	19.50
Price to Book	2.79	0.58
Price to Sales	29.5	10.43
EV to EBITDA	408.81	12.11

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

Trustedge 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 Trustedge Capital Ltd?

Trustedge Capital Ltd Operating Income growth is 5.6% for FY-2025, which is below its 5-year CAGR of 11.33%, indicating slower growth.

Q.2 Return on Assets of Trustedge Capital Ltd?

Trustedge Capital Ltd Return on Asset is 0.8%, which is below its 5-year historical median of 2.9%, indicating deteriorated earnings on assets.

	Current Level	5-year Historic Median
NPM (%)	15.08	53.71
PPOP (%)	-	-
RoA (%)	0.8	2.9

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

Trustedge Capital Ltd Return on Equity is 0.8% for FY-2025, which is below its 5-year historical median of 3.1%, indicating the business is making worse use of its shareholders capital.

Q.4 Net Profit Margin of Trustedge Capital Ltd?

Trustedge 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 15.08% for FY-2025, which is below its 5-year median( 53.71%), indicating decreasing margins.

Q.5 Does its ROIC exceed its WACC?

Trustedge Capital Ltd return on invested capital (ROIC) is 0.78% 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.6 Total Asset growth of Trustedge Capital Ltd?

Trustedge Capital Ltd Total Asset growth is 15% for FY-2025, which is above its 5-year CAGR of 10.44%, indicating faster growth.

C: How strong is the bank’s capital position and asset quality?

Q.7 Capital Adequacy ratio of Trustedge Capital Ltd?

Trustedge Capital Ltd Capital Adequacy ratio (CAR) is 84.3% for FY-2025, which is above the regulatory requirement of 15%, indicating strong capital position.

Ownership & governance

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

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

Promoters hold 74.99% of the Trustedge Capital Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

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

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

Trustedge Capital Ltd AUM CAGR is 10.44%, 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 Trustedge Capital Ltd vs industry peers

Trustedge 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 (%)	15.08	3.12
PPOP (%)	-	-7.72
RoA (%)	0.8	0.8

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

Trustedge Capital Ltd ROCE (4.1) is above the industry median of (1.8); while the current ROE (3.1) 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 (%)	15.08	3.12
PPOP (%)	-	-7.72
RoA (%)	0.8	0.8
ROCE (%)	1.1	1.8
ROE (%)	0.8	0.9

Valuation & price assessment

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

Over the last 9 years, the stock has delivered a CAGR of 29% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	29%	95.1%	114.5%	191.2%

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	282.77	19.50	33.75
Price to Book	2.79	0.58	0.95
Price to Sales	29.5	10.43	12.43
EV to EBITDA	408.81	12.11	10.00

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

The current Price-to-Book (P/B) ratio of 2.79 is higher than its historical median of 0.58, indicating that the stock is trading above its historical average valuation.

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Check Before You Invest : Trustedge Capital Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

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