MoneyWorks4Me

Check Before You Invest : Turtlemint Fintech Solutions Ltd

BSE: 544799 NSE: TURTLEMINT ISIN: INE0OC301013
  |   Sector:  IT & ITES   |   Industry:  Fintech

Snapshot

Q.1 Which industry/sub-sector does Turtlemint Fintech Solutions Ltd belong to?
Turtlemint Fintech Solutions Ltd belongs to the IT & ITES sector, operating specifically within the Fintech segment.
Q.2 Is Turtlemint Fintech Solutions Ltd a good quality company?
Turtlemint Fintech Solutions Ltd is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on company’s performance on Revenue growth, ROCE, Equity and Assets, key margin ratios, cash conversion cycle, and debt to cash flow from operations and how it compares with its long term averages.

Q.3 Is Turtlemint Fintech Solutions Ltd undervalued or overvalued?
Turtlemint Fintech Solutions 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 3-year
Historic Median
Price to Earnings - -
Price to Book 3.95 3.71
Price to Sales 83.98 86.01
EV to EBITDA -26.54 -27.19
Q.4 Is Turtlemint Fintech Solutions Ltd a good buy now?
Turtlemint Fintech Solutions 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 Revenue growth, Gross, Operating and Net Margins compared to its last 5-year median.

  • How efficiently has it utilized Capital?

    By checking its ROCE, ROA, ROE and its Cash Conversion Cycle.

  • How is it managing its Debt?

    By checking its Debt to Equity and Cash Flow from Operations.

Q.1 Gross Profit margin of Turtlemint Fintech Solutions Ltd?
Turtlemint Fintech Solutions Ltd Gross profit margin which is the profit after deduction of direct costs, is -430.6% for FY-2025, which is below its 3-year median of -233.5%, indicating decreasing margins.

Q.2 Operating Profit Margin of Turtlemint Fintech Solutions Ltd?
Turtlemint Fintech Solutions Ltd Operating Profit Margin which is the profit after deduction of all operating costs, is -511.37% for FY-2025, which is below its 3-year median of -285.36% indicating decreasing margins.

Q.3 Net Profit Margin of Turtlemint Fintech Solutions Ltd?
Turtlemint Fintech Solutions Ltd Net Profit Margin is -502.84% for FY-2025, is below its 3-year median of -260.08%, indicating decreasing margins.
Current Level 3-year
Historic Median
Gross Profit Margin (%) -430.6 -233.5
Operating Profit Margin (%) -511.37 -285.36
Net Profit Margin (%) -502.84 -260.08

B: Does the business utilize capital efficiently?

Q.4 Return on Asset of Turtlemint Fintech Solutions Ltd?
Turtlemint Fintech Solutions Ltd Return on Asset is -27.91%, which is in line with its 3-year historical median of -27.91%, indicating stable asset utilization efficiency.

Q.5 Return on capital employed (ROCE) of Turtlemint Fintech Solutions Ltd?
Turtlemint Fintech Solutions Ltd Return on capital employed is -30.38% for FY-2025, which is in line with its 3-year historical median of -30.38%. The current ROCE is below its estimated weighted average cost of capital (WACC) of 14%, indicating value preservation.

Q.6 Return on Equity (ROE) of Turtlemint Fintech Solutions Ltd?
Turtlemint Fintech Solutions Ltd Return on equity is -32.87% for FY-2025, which is in line with its 3-year historical median of -32.87%, indicating the business is making similar use of its shareholders capital.

C: How much debt does the business have and is it at a sustainable level?

Q.7 Debt to Equity ratio of Turtlemint Fintech Solutions Ltd?
Turtlemint Fintech Solutions Ltd Debt-to-Equity ratio is 0.00, which is lower the industry average of 0.05, indicating lower debt levels in the industry.

Q.8 Debt to cash flow from operations of Turtlemint Fintech Solutions Ltd?
Turtlemint Fintech Solutions Ltd Debt to cash flow from operations is 0, which is at a healthy level.

Ownership & governance

D: Promoter shareholding and pledge status of Turtlemint Fintech Solutions Ltd?

Q.1 Promoter shareholding and pledge status of Turtlemint Fintech Solutions Ltd?
Promoters hold 13.21% of the Turtlemint Fintech Solutions Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Turtlemint Fintech Solutions Ltd performance compare with that of its Peers?

Q.1 Revenue growth of Turtlemint Fintech Solutions Ltd vs industry peers?
Turtlemint Fintech Solutions Ltd revenue CAGR is 0.00%, compared to the industry median CAGR of 25.77%, indicating slower growth and losing its market share.
Profit Metrics
Current Level 3-year
Industry Median
Revenue Growth (%) - 25.8
Gross Profit Growth (%) 0 55.4
Operating Profit Growth (%) 0 52.3
Net Profit Growth (%) 0 47.7
Operating Efficiency
Current Level 3-year
Industry Median
Asset Turnover (x) 0.06 0.86
ROE (%) -32.87 1.04
ROCE (%) -30.38 9.51
Cash Conversion Cycle (days) 471.51 17

Valuation & price assessment

Q.1 Stock return of Turtlemint Fintech Solutions Ltd over the last decade?
Over the last - year(s), the stock has delivered a CAGR of N/A% based on the current price.
9Y 5Y 3Y 1Y
Share Price
CAGR
- - - -
Q.2 Valuation ratios of Turtlemint Fintech Solutions Ltd vs historical?
The current P/E ratio of 0 is in line with than its historical median of , indicating that the stock is trading near its historical average valuation.
Q.3 How do the current valuation ratios compare with 3-year historical median and industry numbers?
Valuation Ratios Current 3-year
Historic Median
3-year
Industry Median
Price to Earnings - - 62.63
Price to Book 3.95 3.71 4.20
Price to Sales 83.98 86.01 5.77
EV to EBITDA -26.54 -27.19 19.23

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