BSE:523862

Stock Analysis Report

Pacheli Industrial Finance

Executive Summary

Pacheli Industrial Finance Limited engages in financing activities in India.

Rewards

PE ratio (14.8x) is below the Mortgage industry average (14.8x)

Risk Analysis

Makes less than USD$1m in revenue (₹61M)

Does not have a meaningful market cap (₹14M)

Profit margins (1.6%) are lower than last year (12.4%)



Snowflake Analysis

Slightly overvalued with questionable track record.

Share Price & News

How has Pacheli Industrial Finance's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: 523862 has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

0%

523862

0.4%

IN Mortgage

-0.4%

IN Market


1 Year Return

-36.7%

523862

17.2%

IN Mortgage

11.1%

IN Market

Return vs Industry: 523862 underperformed the Indian Mortgage industry which returned 17.2% over the past year.

Return vs Market: 523862 underperformed the Indian Market which returned 11.1% over the past year.


Shareholder returns

523862IndustryMarket
7 Day0%0.4%-0.4%
30 Day0%-1.0%-1.5%
90 Day8.6%8.2%3.3%
1 Year-36.7%-36.7%18.8%17.2%13.0%11.1%
3 Year-51.3%-51.3%44.5%38.5%25.3%18.6%
5 Year190.1%190.1%76.4%64.2%35.4%23.1%

Price Volatility Vs. Market

How volatile is Pacheli Industrial Finance's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Pacheli Industrial Finance undervalued compared to its fair value and its price relative to the market?

14.84x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate 523862's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate 523862's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: 523862 is good value based on its PE Ratio (14.8x) compared to the Mortgage industry average (14.8x).

PE vs Market: 523862 is poor value based on its PE Ratio (14.8x) compared to the Indian market (13.4x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 523862's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: 523862 is good value based on its PB Ratio (0.3x) compared to the IN Mortgage industry average (1.2x).


Next Steps

Future Growth

How is Pacheli Industrial Finance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

3.7%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Pacheli Industrial Finance has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Pacheli Industrial Finance performed over the past 5 years?

47.7%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 523862 has high quality earnings.

Growing Profit Margin: 523862's current net profit margins (1.6%) are lower than last year (12.4%).


Past Earnings Growth Analysis

Earnings Trend: 523862's earnings have grown significantly by 47.7% per year over the past 5 years.

Accelerating Growth: 523862's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: 523862 had negative earnings growth (-86.4%) over the past year, making it difficult to compare to the Mortgage industry average (14.9%).


Return on Equity

High ROE: 523862's Return on Equity (2%) is considered low.


Return on Assets


Return on Capital Employed


Next Steps

Financial Health

How is Pacheli Industrial Finance's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Inventory Level: 523862 has a low level of unsold assets or inventory.

Debt Coverage by Assets: 523862's debt is covered by short term assets (assets are 3.2x debt).


Financial Institutions Analysis

Asset Level: 523862's level of assets compared to its equity is low.

Allowance for Bad Loans: Insufficient data to determine if 523862 has a sufficient allowance for bad loans.

Low Risk Liabilities: 523862 reports no customer deposits, loans are made up entirely of externally borrowed funds.

Loan Level: Insufficient data to determine if 523862 has an acceptable proportion of non-loan assets held.

Low Risk Deposits: 523862 has advanced significantly more loans than the customer deposits it holds.

Level of Bad Loans: Insufficient data to determine if 523862 has an appropriate level of bad loans.


Next Steps

Dividend

What is Pacheli Industrial Finance's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

companyn/amarketbottom25%0.6%markettop25%2.5%industryaverage1.1%forecastin3Yearsn/a

Current dividend yield vs market & industry

Notable Dividend: Unable to evaluate 523862's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate 523862's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 523862's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 523862's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of 523862's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

5.8yrs

Average management tenure


CEO

Padamchand Dhoot (65yo)

5.8yrs

Tenure

0

Mr. Padamchand Bhanwarlal Dhoot founded Zenu Infotech Limited in 1992 and serves as its Chief Executive Officer and Managing Director. Mr. Dhoot serves as the Chief Executive Officer of Pacheli Industrial  ...


Leadership Team

NamePositionTenureCompensationOwnership
Padamchand Dhoot
Chairman5.8yrsno data9.13% 1.3m
Pankaj Dhoot
Chief Financial Officer5.8yrsno data1.49% 210.6k
Saloni Mehta
Company Secretary & Compliance Officer0.8yrsno datano data

5.8yrs

Average Tenure

Experienced Management: 523862's management team is seasoned and experienced (5.8 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Pacheli Industrial Finance Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Pacheli Industrial Finance Limited
  • Ticker: 523862
  • Exchange: BSE
  • Founded: 1985
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: ₹14.182m
  • Shares outstanding: 3.73m
  • Website: https://www.pacheliindustrialfinance.com

Location

  • Pacheli Industrial Finance Limited
  • Shop No. 4, Prathmesh Leela
  • New Link Road
  • Mumbai
  • Maharashtra
  • 400092
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
523862BSE (Mumbai Stock Exchange)YesEquity SharesININRJun 2011

Biography

Pacheli Industrial Finance Limited engages in financing activities in India. It provides loans for real estate and development activities, as well as real estate consulting services. The company was formerly known as Dhoot Industries Limited and changed its name to Pacheli Industrial Finance Limited in January 2016. Pacheli Industrial Finance Limited was incorporated in 1985 and is based in Mumbai, India. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/02/17 12:34
End of Day Share Price2020/02/11 00:00
Earnings2019/09/30
Annual Earnings2019/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.