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INVESTMENT INSIGHTS

Check Before You Invest : Tandhan Industries Ltd

BSE: 512062 NSE: ISIN: INE896J01014
  |   Sector:  BFSI   |   Industry:  Finance - Investment

Snapshot

Q.1 Which industry/sub-sector does Tandhan Industries Ltd belong to?
Tandhan Industries Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.
Q.2 Is Tandhan Industries Ltd a good quality company?
Tandhan Industries 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 Tandhan Industries Ltd undervalued or overvalued?
Tandhan Industries 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 1436.12 12.40
Price to Book 6.91 0.90
Price to Sales - -
EV to EBITDA 1190.55 20.26
Q.4 Is Tandhan Industries Ltd a good buy now?
Tandhan Industries 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 Tandhan Industries Ltd?
Tandhan Industries Ltd Operating Income growth is NA% for FY-2025, which is in line with its 3-year CAGR of NA%, indicating stable growth.

Q.2 Return on Assets of Tandhan Industries Ltd?
Tandhan Industries Ltd Return on Asset is 16.8%, which is above its 3-year historical median of 4.1%, indicating improved earnings on assets.
Current Level 3-year
Historic Median
NPM (%) - 0.55
PPOP (%) - -
RoA (%) 16.8 4.1

Q.3 Return on Equity (ROE) of Tandhan Industries Ltd?
Tandhan Industries Ltd Return on Equity is 25.7% for FY-2025, which is above its 3-year historical median of 8.6%, indicating the business is making better use of its shareholders capital.

Q.4 Net Profit Margin of Tandhan Industries Ltd?
Tandhan Industries 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 0% for FY-2025, which is below its 3-year median( 0.55%), indicating decreasing margins.

Q.5 Does its ROIC exceed its WACC?
Tandhan Industries Ltd return on invested capital (ROIC) is 18.7% 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.6 Total Asset growth of Tandhan Industries Ltd?
Tandhan Industries Ltd Total Asset growth is 307.32% for FY-2025, which is above its 3-year CAGR of 0%, indicating faster growth.

Ownership & governance

D: Promoter shareholding and pledge status of Tandhan Industries Ltd?

Q.1 Promoter shareholding and pledge status of Tandhan Industries Ltd?
Promoters hold 65.06% of the Tandhan Industries Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Tandhan Industries Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Tandhan Industries Ltd vs Industry Peers?
Tandhan Industries Ltd AUM CAGR is 0%, compared to the 3-year industry median CAGR of 8.59%, indicating slower growth and losing its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Tandhan Industries Ltd vs industry peers
Tandhan Industries Ltd profit metrics are in line with the industry median level of 1.79%, indicating similar profitability compared to peers.
Profit Metrics
Current Level 3-year
Industry Median
NPM (%) - 4.86
PPOP (%) - -0.38
RoA (%) 16.8 0.9

Q.3 Operating efficiency of Tandhan Industries Ltd vs industry peers?
Tandhan Industries Ltd ROCE (-2.6) is below the industry median of (2); while the current ROE (8.6) are above than the 5-year average Industry ROE (1). This shows that the business is positioned in the middle quartile of the industry.
Operating Efficiency
Current Level 3-year
Industry Median
NPM (%) - 4.86
PPOP (%) - -0.38
RoA (%) 16.8 0.9
ROCE (%) 21.7 2
ROE (%) 25.7 1

Valuation & price assessment

Q.1 Stock return of Tandhan Industries Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 23.6% based on the current price.
9Y 5Y 3Y 1Y
Share Price
CAGR		 23.6% 52.7% 102.4% 690.2%
Q.2 How do the current valuation ratios compare with 5-year historical median and industry numbers?
Valuation Ratios Current 3-year
Historic Median		 3-year
Industry Median
Price to Earnings 1436.12 12.40 33.22
Price to Book 6.91 0.90 1.01
Price to Sales - - 15.36
EV to EBITDA 1190.55 20.26 9.96
Q.3 Valuation ratios of Tandhan Industries Ltd vs historical and industry averages?
The current Price-to-Book (P/B) ratio of 6.91 is higher than its historical median of 0.90, indicating that the stock is trading above its historical average valuation.

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