WEBSITE BSE:0 NSE: Inc. Year: 1998 Industry: IT - Software My Bucket: Add Stock
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Trust Fintech Limited, established in 1998, is a Nagpur-based SaaS Product company focused on delivering core banking software and IT solutions for the BFSI sector. Their product portfolio includes TrustBankCBS and MicroFinS, catering to commercial, cooperative banks, and microfinance institutions. With quality certifications like ISO 27001:2013 and CMMI Level 5, the company has demonstrated operational excellence and innovation. The leadership of Trust Fintech, with its IPO in 2024, reflects a commitment to growth and customer satisfaction in ...Read More
Trust Fintech Limited, established in 1998, is a Nagpur-based SaaS Product company focused on delivering core banking software and IT solutions for the BFSI sector. Their product portfolio includes TrustBankCBS and MicroFinS, catering to commercial, cooperative banks, and microfinance institutions. With quality certifications like ISO 27001:2013 and CMMI Level 5, the company has demonstrated operational excellence and innovation. The leadership of Trust Fintech, with its IPO in 2024, reflects a commitment to growth and customer satisfaction in the fintech landscape. Trust Fintech is led by a team of experienced promoters: Mr. Hemant Padmanabh Chafale, Mr. Sanjay Padmanabh Chafale, Mr. Heramb Ramkrishna Damle, Mr. Anand Shankar Kane, and Mr. Mandar Kishor Deo. ...Read Less
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Market Cap ₹91 Cr.
Stock P/E 11.4
P/B 0.9
Current Price ₹38.3
Book Value ₹ 42.6
Face Value 10
52W High ₹94.1
Dividend Yield 1.31%
52W Low ₹ 27.9
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| Net Sales |
| Other Income |
| Total Income |
| Total Expenditure |
| Operating Profit |
| Interest |
| Depreciation |
| Exceptional Income / Expenses |
| Profit Before Tax |
| Provision for Tax |
| Profit After Tax |
| Adjustments |
| Profit After Adjustments |
| Adjusted Earnings Per Share |
| #(Fig in Cr.) | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|
| Net Sales | 35 | 31 | |
| Other Income | 0 | 4 | |
| Total Income | 35 | 36 | |
| Total Expenditure | 17 | 22 | |
| Operating Profit | 18 | 13 | |
| Interest | 0 | 0 | |
| Depreciation | 1 | 2 | |
| Exceptional Income / Expenses | 0 | 0 | |
| Profit Before Tax | 17 | 11 | |
| Provision for Tax | 4 | 3 | |
| Profit After Tax | 13 | 8 | |
| Adjustments | 0 | 0 | |
| Profit After Adjustments | 13 | 8 | |
| Adjusted Earnings Per Share | 7.1 | 3.4 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | -11% | 0% | 0% | 0% |
| Operating Profit CAGR | -28% | 0% | 0% | 0% |
| PAT CAGR | -38% | 0% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -52% | NA% | NA% | NA% |
| ROE Average | 12% | 23% | 23% | 23% |
| ROCE Average | 16% | 31% | 31% | 31% |
| #(Fig in Cr.) | Mar 2024 | Mar 2025 |
|---|---|---|
| Shareholder's Funds | 45 | 110 |
| Minority's Interest | 0 | -0 |
| Borrowings | 0 | 0 |
| Other Non-Current Liabilities | 0 | 0 |
| Total Current Liabilities | 7 | 8 |
| Total Liabilities | 52 | 118 |
| Fixed Assets | 13 | 17 |
| Other Non-Current Assets | 13 | 21 |
| Total Current Assets | 27 | 80 |
| Total Assets | 52 | 118 |
| #(Fig in Cr.) | Mar 2024 | Mar 2025 |
|---|---|---|
| Opening Cash & Cash Equivalents | 1 | 2 |
| Cash Flow from Operating Activities | 13 | -37 |
| Cash Flow from Investing Activities | -17 | -14 |
| Cash Flow from Financing Activities | 6 | 53 |
| Net Cash Inflow / Outflow | 1 | 2 |
| Closing Cash & Cash Equivalent | 2 | 5 |
| # | Mar 2024 | Mar 2025 |
|---|---|---|
| Earnings Per Share (Rs) | 7.13 | 3.36 |
| CEPS(Rs) | 7.83 | 4.18 |
| DPS(Rs) | 0 | 0.5 |
| Book NAV/Share(Rs) | 21.15 | 42.63 |
| Core EBITDA Margin(%) | 50.34 | 28.31 |
| EBIT Margin(%) | 48.08 | 36.03 |
| Pre Tax Margin(%) | 47.63 | 35.71 |
| PAT Margin (%) | 35.67 | 25.61 |
| Cash Profit Margin (%) | 39.19 | 31.89 |
| ROA(%) | 23.84 | 9.42 |
| ROE(%) | 33.69 | 11.55 |
| ROCE(%) | 45.19 | 16.22 |
| Receivable days | 123.83 | 149.05 |
| Inventory Days | 0 | 24.09 |
| Payable days | 0 | -198.67 |
| PER(x) | 0 | 21.74 |
| Price/Book(x) | 0 | 1.71 |
| Dividend Yield(%) | 0 | 0.68 |
| EV/Net Sales(x) | 0.44 | 5.41 |
| EV/Core EBITDA(x) | 0.85 | 12.8 |
| Net Sales Growth(%) | 0 | -10.79 |
| EBIT Growth(%) | 0 | -33.16 |
| PAT Growth(%) | 0 | -35.96 |
| EPS Growth(%) | 0 | -52.85 |
| Debt/Equity(x) | 0 | 0 |
| Current Ratio(x) | 3.66 | 10.03 |
| Quick Ratio(x) | 3.66 | 9.78 |
| Interest Cover(x) | 107.39 | 112.87 |
| Total Debt/Mcap(x) | 0 | 0 |
| # | Mar 2024 | Sep 2024 | Mar 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Promoter | 93.51 | 68.85 | 68.85 | 68.91 | 69.01 |
| FII | 0 | 0.53 | 0.09 | 0.08 | 0 |
| DII | 0 | 1.81 | 1.14 | 0.43 | 0.56 |
| Public | 6.49 | 28.8 | 29.92 | 30.58 | 30.43 |
| Others | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 |
| # | Mar 2024 | Sep 2024 | Mar 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Promoter | 1.64 | 1.64 | 1.64 | 1.64 | 1.64 |
| FII | 0 | 0.01 | 0 | 0 | 0 |
| DII | 0 | 0.04 | 0.03 | 0.01 | 0.01 |
| Public | 0.11 | 0.69 | 0.71 | 0.73 | 0.72 |
| Others | 0 | 0 | 0 | 0 | 0 |
| Total | 1.75 | 2.38 | 2.38 | 2.38 | 2.38 |
* The pros and cons are machine generated.
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