BSE:532410

Stock Analysis Report

Executive Summary

Transcorp International Limited engages in the money exchange business in India.

Snowflake

Fundamentals

Moderate growth potential with mediocre balance sheet.

Risks

  • Transcorp International is not covered by any analysts.

Similar Companies

Share Price & News

How has Transcorp International's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

4.3%

BSE:532410

-1.8%

IN Consumer Finance

-0.7%

IN Market


1 Year Return

-34.4%

BSE:532410

0.5%

IN Consumer Finance

-12.1%

IN Market

532410 underperformed the Consumer Finance industry which returned 0.2% over the past year.

532410 underperformed the Market in India which returned -12.1% over the past year.


Share holder returns

532410IndustryMarket
7 Day4.3%-1.8%-0.7%
30 Day14.6%-4.1%-4.6%
90 Day-2.1%-1.2%-4.3%
1 Year-34.4%-34.4%1.1%0.5%-10.3%-12.1%
3 Year73.9%68.0%64.9%61.4%18.9%12.8%
5 Year295.9%260.0%246.0%229.7%37.6%24.7%

Price Volatility Vs. Market

How volatile is Transcorp International's share price compared to the market and industry in the last 5 years?


Simply Wall St News

1 year ago | Simply Wall St

Best Undervalued Stock in May

1 year ago | Simply Wall St

Best Undervalued Stock in May

1 year ago | Simply Wall St

Best Undervalued Stock in May

Valuation

Is Transcorp International undervalued based on future cash flows and its price relative to the stock market?

1.02x

Price to Book (PB) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Transcorp International to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Transcorp International to establish if it is available at substantial discount.


Price Based on Earnings

Transcorp International is loss making, we can't compare its value to the IN Consumer Finance industry average.

Transcorp International is loss making, we can't compare the value of its earnings to the India market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Transcorp International, we can't assess if its growth is good value.


Price Based on Value of Assets

Transcorp International is overvalued based on assets compared to the IN Consumer Finance industry average.


Next Steps

Future Growth

How is Transcorp International expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

48.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Transcorp International is high growth as no revenue estimate data is available.

Transcorp International's earnings are expected to grow significantly at over 20% yearly.

Unable to compare Transcorp International's revenue growth to the India market average as no estimate data is available.

Transcorp International's earnings growth is expected to exceed the India market average.

Transcorp International's earnings growth is expected to exceed the low risk savings rate of 7.6%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Transcorp International will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Transcorp International performed over the past 5 years?

5.8%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Transcorp International does not make a profit even though their year on year earnings growth rate was positive over the past 5 years.

Unable to compare Transcorp International's 1-year earnings growth to the 5-year average as it is not currently profitable.

Unable to compare Transcorp International's 1-year growth to the IN Consumer Finance industry average as it is not currently profitable.


Return on Equity

It is difficult to establish if Transcorp International has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.


Return on Assets

It is difficult to establish if Transcorp International has efficiently used its assets last year compared to the IN Consumer Finance industry average (Return on Assets) as it is loss-making.


Return on Capital Employed

It is difficult to establish if Transcorp International improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.


Next Steps

Financial Health

How is Transcorp International's financial position?


Financial Position Analysis

Transcorp International is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

Transcorp International's cash and other short term assets cover its long term commitments.


Debt to Equity History and Analysis

Transcorp International's level of debt (64.7%) compared to net worth is high (greater than 40%).

The level of debt compared to net worth has been reduced over the past 5 years (93.1% vs 64.7% today).

Operating cash flow is negative therefore debt is not well covered.

Unable to confirm if the interest payments on Transcorp International's debt are well covered by earnings due to lack of past financial data.


Balance Sheet

High level of physical assets or inventory.

Debt is covered by short term assets, assets are 1.4x debt.


Next Steps

Dividend

What is Transcorp International's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Transcorp International's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Transcorp International's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Transcorp International has not reported any payouts.

Unable to verify if Transcorp International's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Transcorp International has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Transcorp International's salary, the management and board of directors tenure and is there insider trading?

1.5yrs

Average management tenure


CEO

Amitava Ghosh (59yo)

4.3yrs

Tenure

Mr. Amitava Ghosh, BSc, PGDPM has been Chief Executive Officer of Transcorp International Limited since May 18, 2015. Mr. Ghosh serves as the Chief Executive Officer of Reliance HR Services Pvt Ltd. Mr. Gh ...


CEO Compensation Analysis

Amitava's remuneration is lower than average for companies of similar size in India.

Amitava's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

1.5yrs

Average Tenure

The average tenure for the Transcorp International management team is less than 2 years, this suggests a new team.


Board Age and Tenure

2.3yrs

Average Tenure

61yo

Average Age

The average tenure for the Transcorp International board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Amitava Ghosh (59yo)

    Chief Executive Officer

    • Tenure: 4.3yrs
  • Dilip Morwal

    Company Secretary & Compliance Officer

  • Amresh Gupta

    Managing Director of Ritco Travels and Tours Pvt Ltd

    • Compensation: 2.97m
  • Gopal Ved Sharma (55yo)

    MD & Director

    • Tenure: 2.3yrs
  • Adarsh Tiwari

    Chief Technical Officer

    • Tenure: 1.5yrs
  • Piyush Vijayvergiya

    Manager of Accounts & Finance

    • Tenure: 0.5yrs
  • Subodh Sureka

    Chief Financial Officer

    • Tenure: 0.5yrs

Board Members

  • Ashok Agarwal (64yo)

    Non Executive Director

    • Tenure: 24.7yrs
  • Sujan Sinha (61yo)

    Independent Director

    • Tenure: 0.3yrs
  • Hemant Kaul (63yo)

    Non-Executive Chairman

    • Tenure: 2.3yrs
    • Compensation: 50.00k
  • Purushottam Agarwal (65yo)

    Independent & Non Executive Director

    • Tenure: 3.7yrs
    • Compensation: 40.00k
  • Gopal Ved Sharma (55yo)

    MD & Director

    • Tenure: 2.3yrs
  • Vedant Kanoi (35yo)

    Non-Executive Director

    • Tenure: 2.3yrs
    • Compensation: 40.00k
  • Apra Kuchhal (40yo)

    Independent Director

    • Tenure: 0.3yrs

Company Information

Transcorp International Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Transcorp International Limited
  • Ticker: 532410
  • Exchange: BSE
  • Founded: 1993
  • Industry: consumer finance
  • Sector: diversified financials
  • Market Cap: ₹619.446m
  • Shares outstanding: 31.78m
  • Website: Click here

Location

  • Transcorp International Limited
  • Transcorp Tower
  • 5th Floor
  • Jaipur
  • Rajasthan
  • 302004
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
532410BSE (Mumbai Stock Exchange)YesEquity SharesININRMay 2005

Biography

Transcorp International Limited engages in the money exchange business in India. The company offers domestic and outward money transfer services; and domestic and international air ticketing, passport and  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/17 12:31
End of Day Share Price2019/08/16 00:00
Earnings2019/03/31
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.