financial_services
360 ONE WAM
360ONE · Nifty 50
₹1,136.9
Price 2026-06-17
At a Glance
Fundamental
100/100
STRONG
Trust
90/100
Verification
Coverage
44/100
LIMITED
Quick Take
360 ONE WAM scores 100/100 on fundamentals (strong). 360 ONE WAM: BROAD EXPANSION regime.
Fundamental Score: 100/100 · STRONG · 2 signals detected
DuPont Analysis
ROE 11.7% broken into three drivers. Each shows how efficiently the company generates returns.
ROE of 11.7% is moderate margin-driven and stable. Net margin of 38.3% × asset turnover of 0.11x × leverage of 2.8x. Low asset turnover is normal for banks.
What This Means
Net margin of 38.3% means the company keeps ₹38.3 as profit for every ₹100 of revenue. This is a healthy margin. Asset turnover of 0.11x means the company generates ₹0.11 of revenue for every ₹1 of assets. This is a capital-heavy business. Leverage of 2.8x means the company uses moderate debt. Returns are primarily driven by operations, not borrowing.
Margin Structure
Gross
60.1%
Operating
84.7%
Net
38.3%
Gross margin 60.1% → operating margin 84.7% → net margin 38.3%. Margins are DECLINING. Check if input costs are rising or competition is pressuring pricing.
Financial Health
Debt Sustainability
ADEQUATEInterest covered only 2.4x — stretched. Rising rates could pressure profitability. Debt/EBITDA at 5.9x is high — monitor leverage.
Peer Comparison
360 ONE WAM is compared against 10 peers in the financial_services sector.
Bank Metrics
Return on Assets
4.23%
Benchmark: >1%
Efficiency Ratio
61.7%
Lower is better
Asset Growth
+37.6%
Year over year
PB Ratio
4.5x
Price to book
ROA of 4.23% is strong (benchmark: >1% for banks). Strong asset utilization. P/B of 4.53x — trading above book. Premium valuation — market pricing in high growth expectations.
Key Watchpoints
Breaks above ₹1194 (+5%)
Trend reversal confirmation
Breaks below ₹1080 (-5%)
Further downside risk
Financial_Services sector entering leadership
Sector rotation signal
Detected Patterns
Risk Flags
One-off items significantly inflating reported profit. Core earnings may be much lower.
OCF is only -2.5x net income. Profit not converting to cash — aggressive accounting possible.
Working capital is consuming significant cash. Operational efficiency declining.
No single controlling shareholder. Management may not be aligned with shareholders.
High revenue multiple. Market pricing in significant growth or margins expansion.
Collection cycle changing. Collection improving — positive for cash flow.
🔴 2 CRITICAL flags — significant concerns. Investigate before investing.
Data Quality
News Correlation
50 articles scanned for fundamental themes