BSE:538597

Stock Analysis Report

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Executive Summary

TTI Enterprise Limited, a non-banking finance company, provides finance on short term and long-term basis in India.


Snowflake Analysis

Flawless balance sheet with questionable track record.

Share Price & News

How has TTI Enterprise's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: 538597 has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

4.5%

538597

1.5%

IN Consumer Finance

1.3%

IN Market


1 Year Return

-68.9%

538597

-18.5%

IN Consumer Finance

-8.7%

IN Market

Return vs Industry: 538597 underperformed the Indian Consumer Finance industry which returned -18.5% over the past year.

Return vs Market: 538597 underperformed the Indian Market which returned -8.7% over the past year.


Shareholder returns

538597IndustryMarket
7 Day4.5%1.5%1.3%
30 Day9.5%18.3%5.1%
90 Day15.0%33.9%30.2%
1 Year-68.9%-68.9%-17.9%-18.5%-7.0%-8.7%
3 Year-70.9%-70.9%34.6%31.8%1.7%-3.0%
5 Year-99.7%-99.7%143.7%133.8%27.6%17.9%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

Is TTI Enterprise undervalued compared to its fair value and its price relative to the market?

12.77x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate 538597's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate 538597's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: 538597 is poor value based on its PE Ratio (12.8x) compared to the Consumer Finance industry average (11.9x).

PE vs Market: 538597 is poor value based on its PE Ratio (12.8x) compared to the Indian market (12.7x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 538597's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: 538597 is good value based on its PB Ratio (0x) compared to the IN Consumer Finance industry average (0.6x).


Next Steps

Future Growth

How is TTI Enterprise forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

23.9%

Forecasted Diversified Financials 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 TTI Enterprise 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 TTI Enterprise performed over the past 5 years?

-1.1%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 538597 has a large one-off loss of ₹3.6M impacting its December 31 2019 financial results.

Growing Profit Margin: 538597 became profitable in the past.


Past Earnings Growth Analysis

Earnings Trend: 538597 has become profitable over the past 5 years, growing earnings by -1.1% per year.

Accelerating Growth: 538597 has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.

Earnings vs Industry: 538597 has become profitable in the last year, making it difficult to compare its past year earnings growth to the Consumer Finance industry (4.4%).


Return on Equity

High ROE: 538597's Return on Equity (0.4%) is considered low.


Next Steps

Financial Health

How is TTI Enterprise's financial position?


Financial Position Analysis

Short Term Liabilities: 538597's short term assets (₹216.3M) exceed its short term liabilities (₹1.4M).

Long Term Liabilities: 538597 has no long term liabilities.


Debt to Equity History and Analysis

Debt Level: 538597 is debt free.

Reducing Debt: 538597 has not had any debt for past 5 years.

Debt Coverage: 538597 has no debt, therefore it does not need to be covered by operating cash flow.

Interest Coverage: 538597 has no debt, therefore coverage of interest payments is not a concern.


Balance Sheet


Next Steps

Dividend

What is TTI Enterprise current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate 538597's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate 538597's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 538597's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 538597'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 538597'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?

4.8yrs

Average board tenure


CEO

Deepika Doshi

1.92yrs

Tenure

₹300,000

Compensation

Ms. Deepika H Doshi serves as the Chief Executive officer and Chief Financial Officer of TTI Enterprise Ltd since August 6, 2018. Ms. Doshi is a B.Com Graduate having experience in the field of Finance. 


CEO Compensation Analysis

Compensation vs Market: Deepika's total compensation ($USD4.02K) is below average for companies of similar size in the Indian market ($USD49.50K).

Compensation vs Earnings: Insufficient data to compare Deepika's compensation with company performance.


Board Members

NamePositionTenureCompensationOwnership
Binjal Mehta
Whole-Time Director5.92yrs₹480.00k0.36% 42.5k
Paraj Mehta
Non-Executive Non-Independent Director3.67yrs₹5.00k0.83% 97.0k
Alok Goenka
Non-Executive Independent Director13.83yrs₹5.00kno data
Kamalesh Thakker
Non Executive Independent Director0.83yrno datano data

4.8yrs

Average Tenure

51.5yo

Average Age

Experienced Board: 538597's board of directors are considered experienced (4.8 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.


Ownership Breakdown

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


Top Shareholders

Company Information

TTI Enterprise Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: TTI Enterprise Limited
  • Ticker: 538597
  • Exchange: BSE
  • Founded: 1981
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: ₹11.686m
  • Shares outstanding: 25.40m
  • Website: https://www.ttienterprise.net

Number of Employees


Location

  • TTI Enterprise Limited
  • Martin Burn House
  • 4th Floor
  • Kolkata
  • West Bengal
  • 700001
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
538597BSE (Mumbai Stock Exchange)YesEquity SharesININRAug 2014

Biography

TTI Enterprise Limited, a non-banking finance company, provides finance on short term and long-term basis in India. The company invests and trades in shares and securities; and invests in mutual funds and other financial products. TTI Enterprise Limited was incorporated in 1981 and is based in Kolkata, India. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/07/06 12:41
End of Day Share Price2020/07/01 00:00
Earnings2019/12/31
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.