financial_services

Anand Rathi Wealth

ANANDRATHI · Nifty 50

₹1,787.1

Price 2026-06-17

BROAD EXPANSION73% confidence

At a Glance

Sector Positionfinancial_services sector. Flow: neutral. is not among current leaders. Regime: BROAD EXPANSION (73%).

Fundamental Score100/100 (STRONG). 1 positive flags, 3 concerns.

Historical Context39 similar technical setups. Average outcome: -7.6% decline. 0% positive.

Bank HealthROA 22.32% · PB 29.4 · Asset growth 38.2%.

Fundamental

100/100

STRONG

Trust

90/100

Verification

Coverage

44/100

LIMITED

Quick Take

Anand Rathi Wealth scores 100/100 on fundamentals (strong). Anand Rathi Wealth: BROAD EXPANSION regime.

Fundamental Score: 100/100 · STRONG · 2 signals detected

DuPont Analysis

ROE 29.7% broken into three drivers. Each shows how efficiently the company generates returns.

ROE29.7%=

34.8%Net Margin

0.6xTurnover

1.3xLeverage

ROE of 29.71% is strong margin-driven and stable. Net margin of 34.8% × asset turnover of 0.64x × leverage of 1.3x.

What This Means

Net margin of 34.8% means the company keeps ₹34.8 as profit for every ₹100 of revenue. This is a healthy margin. Asset turnover of 0.64x means the company efficiently uses its assets to generate revenue. Leverage of 1.3x means the company uses moderate debt. Returns are primarily driven by operations, not borrowing.

Margin Structure

Gross

52.4%

Operating

48.5%

Net

34.8%

improving

Gross margin 52.4% → operating margin 48.5% → net margin 34.8%. Margins are IMPROVING. Strong pricing power with stable gross margins suggests the improvement is from operating leverage — sustainable.

Financial Health

Debt Sustainability

COMFORTABLE

Interest covered 37.7x — very comfortable. Debt service is not a concern. Debt/EBITDA at 0.2x is low — balance sheet has capacity.

Peer Comparison

Anand Rathi Wealth is compared against 10 peers in the financial_services sector.

360ONE AADHARHFC ABCAPITAL ANGELONE APTUS BAJAJFINSV BAJAJHLDNG BAJFINANCE BSE CAMS

Bank Metrics

Return on Assets

22.32%

Benchmark: >1%

Efficiency Ratio

65.2%

Lower is better

Asset Growth

+38.2%

Year over year

PB Ratio

29.4x

Price to book

ROA of 22.32% is strong (benchmark: >1% for banks). Strong asset utilization. P/B of 29.37x — trading above book. Premium valuation — market pricing in high growth expectations.

Key Watchpoints

🟢

Breaks above ₹1876 (+5%)

Trend reversal confirmation

🔴

Breaks below ₹1698 (-5%)

Further downside risk

🟢

Financial_Services sector entering leadership

Sector rotation signal

Detected Patterns

✅ Strong ROA: ROA of 22.32% — above 1% benchmark for banks

✅ Strong Loan Book Growth: Assets growing 38.2% — loan book expansion

Risk Flags

⚠️ 3 Warning✅ 1 Positive4 total flags

⚠️Unusual items are 21% of net income

Earnings Quality

One-off gains contributing to profit. Check sustainability of earnings without these items.

⚠️Working capital changes are 38% of operating cash flow

Cash Flow

Working capital is consuming significant cash. Operational efficiency declining.

⚠️Price/Sales: 23.9x — expensive on revenue basis

Valuation

High revenue multiple. Market pricing in significant growth or margins expansion.

✅Assets relatively new (34% depreciated)

Balance Sheet

Modern asset base. Lower near-term capex requirements.

⚠️ 3 warning flags — monitor closely.

Data Quality

90/100All ratios self-computed from verified sources. 🟢 5 years of financial data — sufficient for trend analysis

News Correlation

margin pressure (4)management outlook (4)

⚠️ Our margin analysis (improving) contradicts news reports of margin pressure — investigate

50 articles scanned for fundamental themes

Facts

P/E Ratio

74.1UNAVAILABLE

P/B Ratio

29.4HIGH

Market Cap

₹2931126.4L CrHIGH

From 52W High

96% of high

Sector Peers

← All Stocks Market GPS Daily Brief financial_services Sector