Investment Trust of India Limited (THEINVEST) AI Stock Analysis

• Market Cap: ₹7.33B
• Dividend Yield: N/A
• Average Volume (3M): 7.36K
• Price to Earnings (P/E): 18.7
• Beta (1Y): 0.96
• Revenue Growth: -9.21%
• EPS Growth: -48.40%
• Country: IN
• Employees: 16
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Capital Markets
• EPS (TTM): 0.56
• Shares Outstanding: 52,242,218
• 10 Day Avg. Volume: 884
• 30 Day Avg. Volume: 7,356
• PEG Ratio: 0.12
• Price to Book (P/B): 0.92
• Price to Sales (P/S): 1.81
• P/FCF Ratio: 5.47
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 58 Neutral
• Price Target: ₹128.00 ▲(6.31% Upside)

The overall stock score is primarily influenced by strong financial performance, though tempered by negative revenue growth and cash flow volatility. Technical indicators suggest bearish momentum, and valuation metrics indicate the stock may be overvalued.

Positive Factors

Strong Balance Sheet

A strong balance sheet with minimal leverage reduces financial risk, providing stability and flexibility for future investments and growth.

Improved Profit Margins

Improved profit margins indicate enhanced operational efficiency, which can lead to better profitability and shareholder returns over the long term.

Cash Flow Turnaround

Positive cash flow growth enhances the company's ability to fund operations, invest in growth opportunities, and return capital to shareholders.

Negative Factors

Negative Revenue Growth

Negative revenue growth poses a risk to sustained profitability and could hinder the company's ability to expand its market position.

Cash Flow Volatility

Cash flow volatility can impact the company's ability to consistently fund operations and strategic initiatives, posing a risk to financial stability.

Revenue Decline Concerns

Sustained revenue decline can limit growth potential and affect long-term profitability, necessitating strategic adjustments to reverse the trend.

Investment Trust of India Limited Business Overview & Revenue Model

Company Description

The Investment Trust of India Limited, together with its subsidiaries, provides financial services and broking solutions in India. The company operates through Broking and Related Services; Investment and Advisory Services; Trading Activities; and Financing Activities segments. It provides 3-wheeler and commercial vehicle finance, gold loan, micro business loan, personal loan for students and faculty, and educational institutional loan, as well as KapitalTech – SME finance, such as business/working capital, inventory funding, and bill discounting; and investment solutions, including debt securities – ITI gilts, growth opportunity funds for entrepreneurs, and ITI long-short equity funds for long-term capital appreciation. In addition, the company offers equity, debt, and hybrid funds; broking solutions, such as buying or selling of securities for institutional investors from banking sectors; and services related to capital markets, such as IPO, rights issue, GDR issues, and buyback, etc., as well as corporate advisory and start-up advisory services. Further, it provides equities and derivatives trading, equity research, commodities trading, portfolio management services, and insurance products. The company was formerly known as Fortune Financial Services (India) Limited and changed its name to The Investment Trust of India Limited in June 2018. The Investment Trust of India Limited was incorporated in 1991 and is based in Mumbai, India.

How the Company Makes Money

Investment Trust of India Limited generates revenue through multiple key streams. Firstly, the company earns management fees from its mutual fund operations, which are charged based on the assets under management (AUM). This includes fees for advisory services, fund administration, and performance-based incentives. Additionally, THEINVEST generates income from interest earned on fixed deposits and other financial products it offers. The firm also engages in proprietary trading and investments in equities, bonds, and alternative assets, which contribute to its revenue. Significant partnerships with financial institutions and distribution networks enhance its reach and client base, thus driving more inflows into its investment products. Overall, THEINVEST's diversified portfolio of services and strategic partnerships play a crucial role in its earnings growth.

Investment Trust of India Limited Financial Statement Overview

Summary

Investment Trust of India Limited demonstrates strong profitability with a solid balance sheet and minimal leverage. However, negative revenue growth and past cash flow volatility are concerns that need addressing for long-term stability.

Income Statement

The company exhibits strong gross profit margins, consistently above 40% in recent years, indicating effective cost management. However, revenue growth has been negative in recent periods, which is a concern for future profitability. The net profit margin has improved significantly, reaching 13.46% in the latest year, suggesting enhanced operational efficiency. Despite these strengths, the declining revenue trend poses a risk to sustained profitability.

Balance Sheet

The balance sheet is robust with a very low debt-to-equity ratio of 0.0004, indicating minimal leverage and financial risk. The return on equity has improved to 6.03%, reflecting better utilization of equity capital. The equity ratio stands at a healthy level, suggesting a strong capital structure. Overall, the company maintains a stable and low-risk financial position.

Cash Flow

The company has shown a remarkable turnaround in free cash flow, with significant growth from negative to positive territory. The operating cash flow to net income ratio is positive, indicating effective cash generation relative to net income. However, the volatility in free cash flow growth and past negative cash flows highlight potential risks in cash flow stability.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	3.37B	3.38B	2.73B	2.92B	3.09B	2.93B
Gross Profit	1.80B	1.83B	1.14B	789.65M	876.76M	1.13B
EBITDA	1.08B	1.12B	726.31M	470.76M	506.81M	746.12M
Net Income	392.98M	425.34M	185.73M	115.01M	15.80M	150.68M
Balance Sheet
Total Assets	0.00	15.42B	13.02B	11.18B	10.07B	11.41B
Cash, Cash Equivalents and Short-Term Investments	0.00	3.21B	1.91B	3.87B	3.38B	1.69B
Total Debt	0.00	3.78B	3.78B	2.00B	1.49B	2.82B
Total Liabilities	-7.53B	7.89B	6.15B	4.72B	4.06B	5.38B
Stockholders Equity	7.53B	7.05B	6.61B	6.36B	6.01B	6.01B
Cash Flow
Free Cash Flow	0.00	1.19B	-2.16B	-1.09B	2.96B	2.47B
Operating Cash Flow	0.00	1.25B	-2.09B	-980.64M	3.02B	2.49B
Investing Cash Flow	0.00	29.57M	9.41M	-254.51M	-517.79M	-121.88M
Financing Cash Flow	0.00	-148.66M	1.72B	657.29M	-1.86B	-1.45B

Investment Trust of India Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 120.40
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:THEINVEST, the sentiment is Negative. The current price of 120.4 is below the 20-day moving average (MA) of 127.65, below the 50-day MA of 138.30, and below the 200-day MA of 146.02, indicating a bearish trend. The MACD of -5.33 indicates Positive momentum. The RSI at 34.21 is Neutral, neither overbought nor oversold. The STOCH value of 19.82 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:THEINVEST.

Investment Trust of India Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PRIMESECU	74 Outperform	₹10.22B	30.71	―	0.49%	34.10%	-15.20%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CSLFINANCE	66 Neutral	₹6.07B	7.99	―	1.05%	17.32%	13.66%
ARIHANTCAP	65 Neutral	₹10.50B	19.96	―	0.50%	-27.65%	-44.96%
THEINVEST	58 Neutral	₹7.33B	18.66	―	―	-9.21%	-48.40%
VLSFINANCE	54 Neutral	₹10.31B	-52.11	―	0.49%	-98.34%	-106.71%