Master Trust Ltd - Stock Valuation and Financial Performance

BSE: 511768 | NSE: MASTERTR | Finance - NBFC | Small Cap

Master Trust Share Price

134.10 -2.80 -2.05%
as on 11-Feb'25 16:59

DeciZen - make an informed investing decision on Master Trust

Overall Rating
Bole Toh

1. Quality

2. Valuation

Somewhat overvalued

3. Price Trend

Master Trust stock performance -
134.10 17.0014.00% past year

Price Chart, Live Stock Chart, Technical Chart of
P/E Ratio (SA):
164.18
Market Cap:
1,505.5 Cr.
52-wk low:
106.4
52-wk high:
207

Is Master Trust Ltd an attractive stock to invest in?

1. Is Master Trust Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Master Trust Ltd is a below average quality company.

2. Is Master Trust Ltd undervalued or overvalued?

The key valuation ratios of Master Trust Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.

3. Is Master Trust Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Master Trust Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of Master Trust:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Master Trust Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)
16.9115.818.68.37.71411.810.219.919
YoY Gr. Rt. %
--34.9%-47.2%220.1%-55.4%-7.5%81.6%-15.6%-13.7%95.9%-
Adj EPS (₹ )
0.300.10.20.20.10.20.50.50.80.8
YoY Gr. Rt. %
--100%NA240%0%-58.8%128.6%218.8%2%46.2%-
BVPS (₹ )
6.96.96.9716.316.920.123.22835.847.2
YoY Gr. Rt. %
-0.2%0.9%0.9%133.3%3.5%19%15.4%20.8%27.7%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
2.200.51.610.30.61.81.720

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income1.8%19.1%12.6%95.9%
Adj EPS9.4%34.9%68.1%46.2%
BVPS20.1%17%21.2%27.7%
Share Price 40.4% 110.7% 57.5% 19.7%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)
0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%)
0000000000-
Margins
Net Profit Margin (%)
21.70.410.29.822.310.512.147.45641.749.6
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)
50.10.82.41.50.50.82.422.41.7

Recent Performance Summary

Total Income has increased 12.57 CAGR in last 3 years

Net Profit has increased 68.10 CAGR in last 3 years

Total income growth is good in last 4 quarters

Return on Equity has declined versus last 3 years average to 2.00%

Latest Financials - Master Trust Ltd.

Standalone Consolidated
TTM EPS (₹) 0.8 12.2
TTM Sales (₹ Cr.) 18.6 375
BVPS (₹.) 47.2 53.2
Reserves (₹ Cr.) 519 586
P/BV 2.84 2.52
PE 164.18 10.98
From the Market
52 Week Low / High (₹) 106.41 / 207.00
All Time Low / High (₹) 0.05 / 207.00
Market Cap (₹ Cr.) 1,505
Equity (₹ Cr.) 11.2
Face Value (₹) 1
Industry PE 27.1

Quarterly Results

 Dec'23 YoY Gr. Rt. %Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %
Operating Income3.9 475.9 38.34.3 24.44.4 -11.8
Adj EPS (₹)0.67 -41.71.27 159.21.11 14.40.04 -77.8
Net Profit Mgn %34.35 -4909 bps38.31 -839 bps48.61 -187 bps50.71 1401 bps

Management X-Ray of Master Trust:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:72.49%Institutions:0.02%Non-Institutions:27.48%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%20%40%60%80%
Pledged *0.000.000.000.000.000.000.000.000.001.72
* Pledged shares as % of Promoter's holding (%)

Valuation of Master Trust

MRP
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MOS
spaceLock icon%
DP
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Base BVPS
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DPS
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MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

No data found!

Key Ratios of Master Trust

Adj EPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of

Total Income (Cr.)

Price Chart, Live Stock Chart, Technical Chart of

ROE (%)

Price Chart, Live Stock Chart, Technical Chart of

BVPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of
Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Piramal Enterprises 958.8 -52.7 (-5.2%) Small Cap 10,020 23.1 -16.8 41.6 0.8
Edelweiss Financial 109.2 1.4 (1.3%) Small Cap 9,500 4.9 5.6 22.3 2
Manappuram Finance 197.4 -7.5 (-3.6%) Small Cap 8,848 26.7 24.8 7.4 1.3
CreditAccess Grameen 995.3 -61.1 (-5.8%) Small Cap 5,167 55.2 28 18 2.3
Spandana Sphoorty 326.6 -12.4 (-3.7%) Small Cap 2,424 -66.2 20.7 - 0.8
Fusion Finance 171.6 -7.9 (-4.4%) Small Cap 2,317 -8.1 21.8 - 0.7
Muthoot Microfin 151.2 -4.5 (-2.9%) Small Cap 2,270 17.5 19.8 8.6 0.9
Five Star Business 700.6 -26.2 (-3.6%) Small Cap 2,183 35 38.3 20 3.4
Northern ARC Capital 184.3 -3.1 (-1.6%) Small Cap 1,829 17.4 15.3 10.6 0.9
Fedbank Financial 92.8 -1.8 (-1.9%) Small Cap 1,577 5.9 15.5 15.6 1.4
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income17116208815121121
Interest Income17116198814121020
Other Income 0002001011
Expenditure 131151967136613
Interest Expense 114235534411
Operating Expenses 1111111111
Provisions 16114009110
Exceptional Items 0000000000
Profit Before Tax 4012212658
Taxes 00000000-10
Profit After Tax 4012212668
Adjusted EPS (₹)0.30.00.10.20.20.10.20.50.50.8
Dividend Payout Ratio (%)0%0%0%60%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital75757676178184219252305389
Share Capital 11111111111111111111
Reserves 64646565167173208241294378
Minority Interest0000000000
Long Term Borrowings000020223139-4-3
Current Liabilities 77623743675042284584
Trade Payables0000000000
Short term borrowings66512636373141274282
Other Liabilities-66-51-26-36-37-31-41-27-42-57
Total Liabilities 152137112119265256293319345495

Assets

Non Current Asset 24221933166174207228257338
Loan Asset 0000000000
Other Non Current Asset 24221933166174207228257338
Current Asset 12811593869982869289157
Current Investment0000000000
Other Current Asset12811593869982869289157
Total Assets 152137112119265256293319345495

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity -3-7-132-2-3-31-21
Cash Flow From Investing Activity 462-3-123312-26
Cash Flow From Financing Activity -1000-1000025
Net Cash Flow 0-110000000
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)3012201334
DPS (₹)0001000000
BVPS (₹)6969697016384100116140179

Performance Ratios

ROA (%)2.20.00.51.61.00.30.61.81.72.0
ROE (%)5.00.10.82.41.50.50.82.42.02.4
ROCE (%)9.83.02.64.34.32.92.03.52.84.7

Valuation Parameters

Price/Book(x)0.40.60.41.30.20.20.51.10.94.0

Master Trust Ltd Stock News

Master Trust Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Master Trust on 11-Feb-2025 16:59 is ₹134.1.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 11-Feb-2025 16:59 the market cap of Master Trust stood at ₹1,505.5.
The latest P/E ratio of Master Trust as of 11-Feb-2025 16:59 is 164.2.
The latest P/B ratio of Master Trust as of 11-Feb-2025 16:59 is 2.84.
The 52-week high of Master Trust is ₹207.0 and the 52-week low is ₹106.4.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Master Trust is ₹18.57 ( Cr.) .

About Master Trust Ltd

Master Trust was incorporated on August 20, 1985. It is a private sector non banking financial company primarily involved in the business of forex and dealing in securities. The company earlier known as Arora Financial Consultants, got its present name on March 30, 1992.

The company operates under six verticals through its subsidiaries including equity and derivatives broking, commodity derivatives broking, insurance broking, depository services, merchant banking, distribution of financial products like mutual funds, and initial public offerings.

The company has its head office in Ludhiana, corporate office in Mumbai, and regional offices in New Delhi and Chandigarh. It has a pan-India presence through its branches. The registered office of the company is located at village Gobindgarh, Malout Road, Abohar-152116, Punjab.

Business area of the company

The company is actively involved in Merchant banking activities since inception and is providing the Merchant Banking services / Corporate services to various groups.

Subsidiaries

  • Master Capital Services
  • Punjab Industrial Gases
  • Master Commodity Services
  • Master Commodity Brokers
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