The Investment Trust of India Ltd
THEINVESTThe Investment Trust of India Ltd is cheap for a reason. The P/BV sits at the 2nd percentile of its own range, and the quarters are still getting worse.
The sharpest disagreement: the P/BV sits at the 2nd percentile of its own range, but the engine is deteriorating — cheap for a reason until the quarters turn.
The price is in a downtrend (44 weeks in) while the P/BV sits at the 2nd percentile of its own 11-year range. Underneath, the last four quarters read deteriorating — profit −11.0% year on year, with the the net margin at 11.5%. What settles it: whether the quarters turn before the discount closes.
Price story Before the numbers, the tape. A stock price moves through four repeating seasons: a flat base (stage 1), an advance (2), a top (3), a decline (4). Where the price sits in that cycle frames everything below.
The Investment Trust of India Ltd trades at ₹97.7, in a downtrend and 44 weeks into that stage. That is −12.5% against its own 200-day average. It sits at 9% of a 52-week range of ₹92 to ₹154. On relative strength it is currently behind the NIFTY 500 on a trailing-13-week view (3 weeks and counting).
Today the stock is in a downtrend — week 44 of stage 4, confirmed. At ₹97.7 it trades −12.5% versus its 200-day average and sits at 9% of its 52-week range (₹92–₹154).
Against the market, two honest reads. Cumulative: over the last 10.4 years the stock moved −24% while the NIFTY 500 moved +282% — behind the index over the full window. Recent form: on a trailing-13-week view the stock is currently behind (3 weeks and counting; last ahead the week of 2026-07-10) — the ribbon below is that same metric, week by week.
What would end the trend, mechanically: two Friday closes in a row below the 200-day line. That is the exit rule — no debates.
Valuation For a bank we price the book, not the earnings: P/BV is what the market pays for each ₹1 of the bank's net worth. A bank below 1× book is priced below the value of what it owns, net of what it owes.
The Investment Trust of India Ltd trades at 0.7× P/BV, about the cheapest it has ever traded. Its long-run median P/BV is 1.1×, measured across 10.5 years of weekly readings. This places the multiple against the stock’s own record, and says nothing about what the business is worth.
Today's P/BV of 0.7× is about the cheapest it has ever traded, against a long-run median of 1.1× measured over 10.5 years of weekly readings. This is a comparison against the stock's own history — not a claim about what it is worth.
The honest context for that discount: a bank earning about 4% on its equity is worth less per rupee of book, and the market has priced that in rather than overlooked it. The discount closes only if the returns themselves improve.
Why the multiple sits where it does: over the past year book value grew while the price moved −40.1% — price and book moved together, holding the multiple in its range.
The price move, decomposed: over 5y, of the −4.4%/yr price move, ~+4.6%/yr came from book-value growth and ~−9.0 pp from the multiple (compressing); over 10y, of the −9.5%/yr price move, ~+12.0%/yr came from book-value growth and ~−21.5 pp from the multiple (compressing). The split is the honest approximate (price return minus book-value growth); it makes the rally itself visible instead of hiding it behind the percentile.
Put together: the multiple is low against its own past, so the story rests on the book-value line underneath it, not the multiple.
Stage: Deteriorating Every business sits somewhere on a fundamental arc, and this page names the spot before anything else. The last twelve quarters of revenue, profit and EPS growth — plus the return the business earns on its capital — are read as curves: Deteriorating (the curves are falling), Turning around (a trough has just formed and the last few quarters lift off it), Improving (the climb off the trough is sustained), Consistent (steadily positive with healthy returns), Topping out (still high but decelerating from the peak). When the curves genuinely disagree the read is Mixed; too little history is No read. CAGR (compound annual growth rate) is the smooth yearly pace that turns the starting value into the latest one — the fairest way to compare growth across different time spans. Read the columns together: if the 1-year number towers over the 10-year, recent growth is running hotter than the long-run trend. A dash means that window is not held, or the base year was a loss (where a growth rate is not meaningful).
The Investment Trust of India Ltd reads as deteriorating on its fundamental arc. Deteriorating — revenue and profit growth are shrinking (revenue growth −43.5% latest (single-quarter readings) against +43.5% at its 12-quarter best). The read is built from 10 quarters across 2 curves, on partial evidence.
🚨 Why it matters: falling curves mean every cheap-looking ratio below needs a discount for direction.
One or more growth curves carry a base-effect spike — a large year-on-year move off a near-zero or loss-making comparable quarter. Those spikes are capped before the classifier reads the trajectory, and shown pinned on the chart, so a single distorted quarter does not drive the stage call.
A partial read: at least one curve is short, or the returns curve is not the computed quarterly series — hold the stage word a little more loosely.
| 1yr | 3yr | 5yr | 10yr | |
|---|---|---|---|---|
| Revenue | −21.3% | −2.9% | −3.2% | +7.9% |
| Profit | −23.9% | +42.9% | +18.5% | +19.3% |
| EPS | −29.2% | +37.8% | +14.5% | +17.9% |
| Share price | −40.1% | +7.5% | −4.4% | −9.5% |
4-Factor Sector Score
37.1/100 — rank 26 of 33 in Finance & Investments - Others · 67% evidence confidence
The Investment Trust of India Ltd scores 37.1 out of 100 against the 33 companies it is compared with in Finance & Investments - Others, ranking 26. Balanced evidence: keep at normal research priority and require another comparable period before raising conviction.
The four contributions add to the total exactly: 13.1 + 11.4 + 8.6 + 4 = 37.1. This is the SAME number shown on the sector comparison — it is computed once, for the whole peer set, and read here.
What would change it: The read weakens if ROA rolls over or gross NPA rises while sector-relative strength deteriorates.
Revenue For a bank, revenue is everything the franchise earns — interest on the loan book plus fee and other income.
The Investment Trust of India Ltd reported ₹53.1 Cr of income in the Mar 26 quarter, −43.5% year on year. Over 10 years it has compounded at 7.9% a year. The last full year, FY26, came in at ₹285 Cr. The last four reported quarters add to ₹285 Cr.
FY26 revenue came in at ₹285 Cr (−21.3% on the year), capping 10 years at 7.9% compound. The latest quarter (Mar 26) printed ₹53.1 Cr, −43.5% year on year.
Pace check: the last four quarters averaged −16.6% growth against the decade's 7.9% — the current year is running slower than its own long-run rate.
Acceleration check: trailing-twelve-month revenue grew −19.4% over the last 4 quarters against −0.6%/yr over the last 8 — rolling over; TTM profit −24.4% vs +31.8%/yr — rolling over.
Net margin Net margin — what the bank keeps of every ₹100 of revenue after every cost, provision and tax. It is the cleanest single margin we can read for a lender.
The Investment Trust of India Ltd's net margin is 11.5% in the Mar 26 quarter, +4.2 percentage points against the same quarter a year ago. Across 13 fiscal years the net margin has ranged −1.8% to 23.9%. The current quarter sits inside that band.
The latest quarter's net margin is 11.5%, +4.2 pp against the same quarter a year ago. Across 13 fiscal years the net margin has ranged −1.8%–23.9%.
Why: the numbers show the net margin move clearly, but the cost lines behind it sit below what we hold — so we state the move without inventing its driver.
Net profit Net profit is what survives every cost, interest and tax — the number EPS, dividends and book value all grow from.
The Investment Trust of India Ltd earned ₹6.1 Cr of net profit in the Mar 26 quarter, −11.0% year on year. Full-year FY26 profit was ₹35.0 Cr. The 10-year compound rate is 19.3%. That is 11.5% of the quarter's revenue. The same quarter a year earlier earned ₹6.8 Cr. 1 of the last 12 reported quarters were loss-making.
Mar 26 profit was ₹6.1 Cr, −11.0% year on year. On the full year, FY26 printed ₹35.0 Cr (−23.9%), and the 10-year compound rate is 19.3%.
🚨 Why profit moved: revenue contributed −43.5% and the margin +4.2 pp — the quarter was margin-led: most of the profit growth came from keeping more of each sale.
Pace comparison, last four quarters: profit +4.6% vs revenue −16.6%. Profit is growing faster than sales — fixed costs are being spread over a bigger base, and each extra rupee of revenue drops more to the bottom line.
Asset quality — the ladder Gross NPA is the slice of the loan book where repayments have stopped. Net NPA is what remains after the money already set aside against those loans. Falling is healing; rising is damage arriving.
Loan-book quality history is not available for The Investment Trust of India Ltd, so this section names the gap rather than estimating a ratio. No gross or net non-performing-asset series is filed in a form this page can read, and none is inferred from the profit line.
We do not hold quarterly loan-book quality numbers for this bank, so this section states that plainly rather than working around it.
Why: loan-book quality is the engine room of a bank, and its drivers — slippages, recoveries, provisioning — sit below what we hold for this name; the sections around it carry the reads we can stand behind.
The loan book We read the loan book through revenue — when the book grows, revenue grows with it. It is a rough proxy, and we say so: rate moves and fee swings can shift it a few points in any one year.
The Investment Trust of India Ltd's revenue grew −21.3% in FY26 to ₹285 Cr, so the book is flat. The latest quarter ran −43.5% year on year. The net margin on that income is 11.5%, +4.2 percentage points against a year ago.
FY26 revenue was ₹285 Cr, −21.3% on the year, and the latest quarter ran −43.5% year on year. The net margin on that revenue is 11.5% this quarter (+4.2 pp YoY) — growth with a widening margin on it.
The synthesis: a lender compounds when the book grows while the margin holds and the loan book stays clean — gross NPA is the loan-quality read we carry here.
Returns on equity and assets Two numbers usually rate a lender: ROE — what it earns on shareholder money — and ROA — what it earns on everything it deploys.
A clean annual return-on-equity ladder is not held for The Investment Trust of India Ltd. For an insurer especially the standard bank ratios are not the right lens, so this page does not force them onto the filings rather than estimating a series it cannot support.
We do not hold a clean annual return-on-equity series for The Investment Trust of India Ltd — for an insurer especially, the standard bank ratios are not the right lens, so this page does not force them. The revenue, margin and ownership sections above and below are the reads we stand behind.
Debt
For a bank, borrowings are raw material, not a warning sign — solvency is read through the returns and the loan book. A manufacturer’s debt is a claim against its profits, so the debt-to-equity lens that works everywhere else misleads on a lender and is not applied here.
A manufacturer’s debt is a claim against its profits; a bank’s borrowings are its inventory — money taken in to be lent out. The debt lens that works everywhere else misleads here, so this page does not apply it. The solvency questions for a bank — is the loan book sound, is the equity earning — are read through the loan-book and returns sections above.
Ownership Who owns the stock, quarter by quarter: promoters (the controlling owners), foreign and domestic institutions, and the public. Steady accumulation by people close to the numbers is a signal; a quiet register is also an answer.
No holder of The Investment Trust of India Ltd moved a full percentage point over the last two years — the register is quiet. Foreign institutions moved +0.0 points over the same window, to 6.5%. The register is read on the four disclosed classes only; nothing is inferred between filings.
The register over the last two years — Promoters: +0.0 points over 8 quarters to 72.1%; Foreign institutions: +0.0 points over 8 quarters to 6.5%.
Safety line The Z-score estimates how far a company sits from balance-sheet distress — above roughly 3 is safe, below roughly 1.8 is the danger zone. It was built for manufacturers, so it is not applied to banks and lenders.
The Investment Trust of India Ltd: the Z-score is omitted — it was built for manufacturers, not banks, and applying it here would be theatre. The Z-score was built for manufacturers and is not applied to banks and lenders, so solvency here is read from the capital and asset-quality lines instead.
The safety line in one sentence: the Z-score is omitted — it was built for manufacturers, not banks, and applying it here would be theatre.
| Company | Score | Price stage | Growth & earnings/35 | Capital efficiency/25 | Valuation/20 | Relative strength/20 |
|---|---|---|---|---|---|---|
| 1Consolidated Finvest & Holdings LtdCONSOFINVT | 66.8/100Favorable setup75% evidence | BREAKING OUT | 15.1/35 Income 31.4% · PAT -30.2% 51% evidence | 18.6/25 ROA 5.9% · ROE 33.6% · GNPA — 68% evidence | 13.7/20 P/BV 0.61× · P/BV÷ROE 0.02 100% evidence | 19.4/20 RS sector 46% · RS bench 42.3% · 1Y 46.7%5 of 12 weeks ahead 100% evidence |
| Exact sum: 15.1 + 18.6 + 13.7 + 19.4 = 66.8 · Decision use: Price leads the evidence: RS versus the benchmark is 42.3%, but earnings trajectory is weak. Wait for revenue and profit confirmation. | ||||||
| 2Fedders Holding LtdFEDDERSHOL | 65.5/100Favorable setup76% evidence | BREAKING OUT | 24.5/35 Income -18.8% · PAT 100% 71% evidence | 18.0/25 ROA 10.9% · ROE 11.6% · GNPA — 68% evidence | 13.5/20 P/BV 1.18× · P/BV÷ROE 0.1 70% evidence | 9.5/20 RS sector -4.5% · RS bench -8.1% · 1Y -6.9%6 of 12 weeks ahead 100% evidence |
| Exact sum: 24.5 + 18 + 13.5 + 9.5 = 65.5 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 3Gretex Corporate Services LtdGCSL | 65.2/100Favorable setup86% evidence | LEADER | 25.1/35 Income -19.4% · PAT 100% 81% evidence | 18.2/25 ROA 11.5% · ROE 12.7% · GNPA — 68% evidence | 1.9/20 P/BV 7.2× · P/BV÷ROE 0.57 100% evidence | 20.0/20 RS sector 50.1% · RS bench 46.3% · 1Y 73.5%10 of 12 weeks ahead 100% evidence |
| Exact sum: 25.1 + 18.2 + 1.9 + 20 = 65.2 · Decision use: Confirmed research leader: earnings, capital efficiency and relative strength agree. Move to management, catalyst and risk diligence. | ||||||
| 4Abans Financial Services LtdAFSL | 64.7/100Mixed-positive evidence76% evidence | ASLEEP | 20.1/35 Income 100% · PAT -3.1% 71% evidence | 14.3/25 ROA 3.6% · ROE 8.3% · GNPA — 68% evidence | 16.8/20 P/BV 0.81× · P/BV÷ROE 0.1 100% evidence | 13.5/20 RS sector 20.9% · RS bench -3.2% · 1Y -9%0 of 10 weeks ahead 70% evidence |
| Exact sum: 20.1 + 14.3 + 16.8 + 13.5 = 64.7 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 5Saraswati Commercial (India) LtdZSARACOM | 59.1/100Mixed-positive evidence67% evidence | TURNING | 24.8/35 Income 61.3% · PAT 75.5% 45% evidence | 14.9/25 ROA 7.6% · ROE 8.9% · GNPA — 68% evidence | 10.6/20 P/BV 1.21× · P/BV÷ROE 0.14 100% evidence | 8.8/20 RS sector -17% · RS bench 4.7% · 1Y -5.3%2 of 6 weeks ahead 70% evidence |
| Exact sum: 24.8 + 14.9 + 10.6 + 8.8 = 59.1 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 6BF Investment LtdBFINVEST | 58.0/100Mixed-positive evidence73% evidence | BREAKING OUT | 21.8/35 Income 21% · PAT 26% 45% evidence | 11.9/25 ROA 3% · ROE 3.6% · GNPA — 68% evidence | 8.0/20 P/BV 0.2× · P/BV÷ROE 0.06 100% evidence | 16.3/20 RS sector 7.7% · RS bench 4.1% · 1Y -6.2%10 of 12 weeks ahead 100% evidence |
| Exact sum: 21.8 + 11.9 + 8 + 16.3 = 58 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 7CSL Finance LtdCSLFINANCE | 57.5/100Mixed-positive evidence87% evidence | 20.5/35 Income 19.1% · PAT 18.1% 67% evidence | 22.0/25 ROA 9% · ROE 14.8% · GNPA 1.1% 95% evidence | 12.0/20 P/BV 0.78× · P/BV÷ROE 0.05 100% evidence | 3.0/20 RS sector -19.8% · RS bench -21.1% · 1Y -32.5%0 of 10 weeks ahead 100% evidence | |
| Exact sum: 20.5 + 22 + 12 + 3 = 57.5 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 8STEL Holdings LtdSTEL | 54.0/100Mixed-positive evidence76% evidence | TURNING | 26.0/35 Income 24.1% · PAT 26.6% 71% evidence | 8.9/25 ROA 1.2% · ROE 1.2% · GNPA — 68% evidence | 3.1/20 P/BV 0.66× · P/BV÷ROE 0.56 100% evidence | 16.0/20 RS sector 20.4% · RS bench 17.7% · 1Y 42.2%6 of 10 weeks ahead 70% evidence |
| Exact sum: 26 + 8.9 + 3.1 + 16 = 54 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 9Mufin Green Finance LtdMUFIN | 52.8/100Mixed-positive evidence78% evidence | BREAKING OUT | 22.4/35 Income 20.9% · PAT 42.1% 75% evidence | 11.0/25 ROA 1.3% · ROE 6.7% · GNPA — 72% evidence | 4.0/20 P/BV 4.55× · P/BV÷ROE 0.68 70% evidence | 15.4/20 RS sector 21.1% · RS bench 17.8% · 1Y 48.7%10 of 12 weeks ahead 100% evidence |
| Exact sum: 22.4 + 11 + 4 + 15.4 = 52.8 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 10Balmer Lawrie Investment LtdBLIL | 52.5/100Mixed-positive evidence82% evidence | ASLEEP | 15.9/35 Income 7.9% · PAT 4.1% 71% evidence | 17.9/25 ROA 7.9% · ROE 12.7% · GNPA — 68% evidence | 13.4/20 P/BV 1.09× · P/BV÷ROE 0.09 100% evidence | 5.3/20 RS sector -4.5% · RS bench -7.7% · 1Y -16.4%1 of 12 weeks ahead 100% evidence |
| Exact sum: 15.9 + 17.9 + 13.4 + 5.3 = 52.5 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 11Bengal & Assam Company Ltd533095 | 52.0/100Mixed-positive evidence62% evidence | ASLEEP | 16.7/35 Income 6.4% · PAT 3.6% 55% evidence | 12.8/25 ROA — · ROE 8.1% · GNPA — 34% evidence | 15.8/20 P/BV 0.66× · P/BV÷ROE 0.08 100% evidence | 6.7/20 RS sector -4.8% · RS bench -11% · 1Y -24.4%3 of 10 weeks ahead 70% evidence |
| Exact sum: 16.7 + 12.8 + 15.8 + 6.7 = 52 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 12Dolat Algotech LtdDOLATALGO | 51.8/100Mixed-positive evidence76% evidence | ASLEEP | 8.4/35 Income -23.9% · PAT -40.1% 71% evidence | 17.8/25 ROA 8.5% · ROE 12.1% · GNPA — 68% evidence | 17.2/20 P/BV 1.06× · P/BV÷ROE 0.09 100% evidence | 8.4/20 RS sector -1% · RS bench -14.2% · 1Y -26.6%0 of 10 weeks ahead 70% evidence |
| Exact sum: 8.4 + 17.8 + 17.2 + 8.4 = 51.8 · Decision use: Cheap but unconfirmed: require improving earnings before treating the valuation as an opportunity. | ||||||
| 13PTC India Financial Services LtdPFS | 51.5/100Mixed-positive evidence80% evidence | ASLEEP | 12.8/35 Income -22.7% · PAT -27.8% 81% evidence | 16.4/25 ROA 6.5% · ROE 11% · GNPA — 68% evidence | 16.4/20 P/BV 0.58× · P/BV÷ROE 0.05 100% evidence | 5.9/20 RS sector -7.2% · RS bench -16.9% · 1Y -32.6%1 of 10 weeks ahead 70% evidence |
| Exact sum: 12.8 + 16.4 + 16.4 + 5.9 = 51.5 · Decision use: Cheap but unconfirmed: require improving earnings before treating the valuation as an opportunity. | ||||||
| 14Algoquant Fintech LtdALGOQUANT | 51.1/100Mixed-positive evidence70% evidence | TURNING | 11.6/35 Income -0.4% · PAT 3.1% 71% evidence | 20.1/25 ROA 12% · ROE 28.4% · GNPA — 68% evidence | 4.5/20 P/BV 14.31× · P/BV÷ROE 0.5 70% evidence | 14.9/20 RS sector 4.3% · RS bench 8.2% · 1Y 0.9%4 of 10 weeks ahead 70% evidence |
| Exact sum: 11.6 + 20.1 + 4.5 + 14.9 = 51.1 · Decision use: Price leads the evidence: RS versus the benchmark is 8.2%, but earnings trajectory is weak. Wait for revenue and profit confirmation. | ||||||
| 15Master Trust LtdMASTERTR | 51.0/100Mixed-positive evidence76% evidence | ASLEEP | 11.1/35 Income -1.2% · PAT -4.5% 71% evidence | 18.5/25 ROA 5.6% · ROE 17.3% · GNPA — 68% evidence | 15.1/20 P/BV 1.24× · P/BV÷ROE 0.07 70% evidence | 6.3/20 RS sector -19.9% · RS bench -23.4% · 1Y -51%6 of 12 weeks ahead 100% evidence |
| Exact sum: 11.1 + 18.5 + 15.1 + 6.3 = 51 · Decision use: Cheap but unconfirmed: require improving earnings before treating the valuation as an opportunity. | ||||||
| 16PTL Enterprises LtdPTL | 50.2/100Mixed-positive evidence73% evidence | ASLEEP | 19.9/35 Income 0% · PAT 27.8% 45% evidence | 13.7/25 ROA 3.3% · ROE 5.5% · GNPA — 68% evidence | 8.0/20 P/BV 0.62× · P/BV÷ROE 0.11 100% evidence | 8.6/20 RS sector 1.1% · RS bench -2% · 1Y -1.4%2 of 12 weeks ahead 100% evidence |
| Exact sum: 19.9 + 13.7 + 8 + 8.6 = 50.2 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 17NBI Industrial Finance Company LtdNBIFIN | 48.0/100Mixed-negative evidence65% evidence | TURNING | 22.0/35 Income 54.1% · PAT 60.7% 35% evidence | 7.4/25 ROA 0.3% · ROE 0.3% · GNPA — 51% evidence | 3.7/20 P/BV 0.2× · P/BV÷ROE 0.77 100% evidence | 14.9/20 RS sector 3.6% · RS bench -0.2% · 1Y -23.8%4 of 12 weeks ahead 100% evidence |
| Exact sum: 22 + 7.4 + 3.7 + 14.9 = 48 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 18Industrial & Prudential Investment Company LtdINDPRUD | 47.8/100Mixed-negative evidence76% evidence | ASLEEP | 15.6/35 Income -25% · PAT 6.7% 71% evidence | 15.4/25 ROA 7.3% · ROE 7.7% · GNPA — 68% evidence | 5.9/20 P/BV 1.3× · P/BV÷ROE 0.17 100% evidence | 10.9/20 RS sector -3.5% · RS bench 7% · 1Y -0.6%4 of 7 weeks ahead 70% evidence |
| Exact sum: 15.6 + 15.4 + 5.9 + 10.9 = 47.8 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 19Finkurve Financial Services LtdFINKURVE | 45.1/100Mixed-negative evidence73% evidence | ASLEEP | 19.2/35 Income 45.8% · PAT 19.1% 61% evidence | 15.8/25 ROA 2.8% · ROE 13.3% · GNPA — 68% evidence | 6.3/20 P/BV 5.02× · P/BV÷ROE 0.38 100% evidence | 3.8/20 RS sector -34.4% · RS bench -28.6% · 1Y -45.1%2 of 11 weeks ahead 70% evidence |
| Exact sum: 19.2 + 15.8 + 6.3 + 3.8 = 45.1 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 20Authum Investment & Infrastructure LtdAIIL | 42.2/100Mixed-negative evidence64% evidence | TURNING | 7.9/35 Income -34.6% · PAT -48.8% 62% evidence | 14.9/25 ROA — · ROE 13.1% · GNPA — 34% evidence | 5.7/20 P/BV 3.12× · P/BV÷ROE 0.24 100% evidence | 13.7/20 RS sector 16.5% · RS bench -1.8% · 1Y -1.7%4 of 10 weeks ahead 70% evidence |
| Exact sum: 7.9 + 14.9 + 5.7 + 13.7 = 42.2 · Decision use: Price leads the evidence: RS versus the benchmark is -1.8%, but earnings trajectory is weak. Wait for revenue and profit confirmation. | ||||||
| 21PNB Gilts LtdPNBGILTS | 41.2/100Mixed-negative evidence80% evidence | TURNING | 8.9/35 Income -5.3% · PAT -69.7% 81% evidence | 9.7/25 ROA 0.7% · ROE 11.1% · GNPA — 68% evidence | 15.0/20 P/BV 0.89× · P/BV÷ROE 0.08 100% evidence | 7.6/20 RS sector -13.6% · RS bench -1.6% · 1Y -22.1%7 of 10 weeks ahead 70% evidence |
| Exact sum: 8.9 + 9.7 + 15 + 7.6 = 41.2 · Decision use: Cheap but unconfirmed: require improving earnings before treating the valuation as an opportunity. | ||||||
| 22Crest Ventures LtdCREST | 41.1/100Mixed-negative evidence82% evidence | FADING | 8.6/35 Income -22.1% · PAT -46.9% 71% evidence | 12.0/25 ROA 2.5% · ROE 3.8% · GNPA — 68% evidence | 7.6/20 P/BV 0.82× · P/BV÷ROE 0.22 100% evidence | 12.9/20 RS sector 4.1% · RS bench 0.8% · 1Y 0.4%4 of 12 weeks ahead 100% evidence |
| Exact sum: 8.6 + 12 + 7.6 + 12.9 = 41.1 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 23Grand Oak Canyons Distillery LtdGRANDOAK | 41.1/100Mixed-negative evidence63% evidence | TURNING | 22.7/35 Income 100% · PAT 100% 48% evidence | 4.0/25 ROA 0.1% · ROE 0% · GNPA — 72% evidence | 3.6/20 P/BV 2.12× · P/BV÷ROE 212 70% evidence | 10.8/20 RS sector 2% · RS bench -4.2% · 1Y 76.6%3 of 7 weeks ahead 70% evidence |
| Exact sum: 22.7 + 4 + 3.6 + 10.8 = 41.1 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 24VLS Finance LtdVLSFINANCE | 40.0/100Mixed-negative evidence67% evidence | TURNING | 13.3/35 Income -60.8% · PAT -54.4% 45% evidence | 7.4/25 ROA 1% · ROE 0.9% · GNPA — 68% evidence | 4.8/20 P/BV 0.38× · P/BV÷ROE 0.4 100% evidence | 14.5/20 RS sector 9.2% · RS bench 1.6% · 1Y 6.9%3 of 10 weeks ahead 70% evidence |
| Exact sum: 13.3 + 7.4 + 4.8 + 14.5 = 40 · Decision use: Price leads the evidence: RS versus the benchmark is 1.6%, but earnings trajectory is weak. Wait for revenue and profit confirmation. | ||||||
| 25Capital India Finance LtdCIFL | 39.9/100Thin evidence · provisional55% evidence | ASLEEP | 17.5/35 Income -8.5% · PAT 100% 45% evidence | 8.7/25 ROA 1.7% · ROE -9% · GNPA — 68% evidence | 9.2/20 P/BV 1.21× · P/BV÷ROE — 40% evidence | 4.5/20 RS sector -17.4% · RS bench -32.6% · 1Y -44.5%0 of 10 weeks ahead 70% evidence |
| Exact sum: 17.5 + 8.7 + 9.2 + 4.5 = 39.9 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 26The Investment Trust of India Ltdthis pageTHEINVEST | 37.1/100Mixed-negative evidence67% evidence | ASLEEP | 13.1/35 Income -19.4% · PAT -24.4% 45% evidence | 11.4/25 ROA 2.7% · ROE 4.1% · GNPA — 68% evidence | 8.6/20 P/BV 0.69× · P/BV÷ROE 0.17 70% evidence | 4.0/20 RS sector -14.5% · RS bench -17.8% · 1Y -43.2%1 of 12 weeks ahead 100% evidence |
| Exact sum: 13.1 + 11.4 + 8.6 + 4 = 37.1 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 27Nalwa Sons Investments LtdNSIL | 33.4/100Adverse evidence63% evidence | ASLEEP | 16.2/35 Income -19.2% · PAT 23.3% 48% evidence | 5.9/25 ROA 0.3% · ROE 0.3% · GNPA — 72% evidence | 5.0/20 P/BV 0.19× · P/BV÷ROE 0.56 70% evidence | 6.3/20 RS sector -6.9% · RS bench -12.9% · 1Y -20.1%0 of 10 weeks ahead 70% evidence |
| Exact sum: 16.2 + 5.9 + 5 + 6.3 = 33.4 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 28Prime Securities LtdPRIMESECU | 32.3/100Adverse evidence86% evidence | ASLEEP | 8.8/35 Income 14.4% · PAT -80% 81% evidence | 13.1/25 ROA 4.6% · ROE 4.1% · GNPA — 68% evidence | 3.1/20 P/BV 3.66× · P/BV÷ROE 0.9 100% evidence | 7.3/20 RS sector -0.2% · RS bench -3.2% · 1Y -4%0 of 12 weeks ahead 100% evidence |
| Exact sum: 8.8 + 13.1 + 3.1 + 7.3 = 32.3 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 29Oswal Green Tech LtdOSWALGREEN | 32.2/100Adverse evidence64% evidence | ASLEEP | 15.2/35 Income -19.7% · PAT -80% 19% evidence | 8.0/25 ROA 1.1% · ROE 1.5% · GNPA — 68% evidence | 8.0/20 P/BV 0.23× · P/BV÷ROE 0.16 100% evidence | 1.0/20 RS sector -29.3% · RS bench -32.2% · 1Y -52.5%0 of 12 weeks ahead 100% evidence |
| Exact sum: 15.2 + 8 + 8 + 1 = 32.2 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 30Systematix Corporate Services LtdSYSTMTXC | 29.4/100Adverse evidence70% evidence | ASLEEP | 9.8/35 Income 10.9% · PAT -71.7% 71% evidence | 12.2/25 ROA 3% · ROE 4.6% · GNPA — 68% evidence | 4.3/20 P/BV 2.66× · P/BV÷ROE 0.58 70% evidence | 3.1/20 RS sector -38.6% · RS bench -39.3% · 1Y -50.2%0 of 10 weeks ahead 70% evidence |
| Exact sum: 9.8 + 12.2 + 4.3 + 3.1 = 29.4 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 31Dhunseri Investments LtdDHUNINV | 28.2/100Adverse evidence61% evidence | 13.7/35 Income -25.9% · PAT -66.7% 29% evidence | 4.8/25 ROA -0.5% · ROE 0.7% · GNPA — 68% evidence | 6.0/20 P/BV 0.19× · P/BV÷ROE 0.29 100% evidence | 3.7/20 RS sector -34.8% · RS bench -23.8% · 1Y -43.5%1 of 7 weeks ahead 70% evidence | |
| Exact sum: 13.7 + 4.8 + 6 + 3.7 = 28.2 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 32Spice Lounge Food Works LtdSPICELOUNG | 41.2/100Thin evidence · provisional34% evidence | 17.5/35 Income — · PAT — 0% evidence | 10.9/25 ROA — · ROE 5.2% · GNPA — 26% evidence | 3.2/20 P/BV 18.93× · P/BV÷ROE 3.64 70% evidence | 9.6/20 RS sector 0.7% · RS bench -8.4% · 1Y -19.3%2 of 12 weeks ahead to 2026-03-08 70% evidence | |
| Exact sum: 17.5 + 10.9 + 3.2 + 9.6 = 41.2 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 33Eraaya Lifespaces LtdEBIX | 39.5/100Thin evidence · provisional22% evidence | 17.5/35 Income — · PAT — 0% evidence | 9.3/25 ROA — · ROE -809% · GNPA — 26% evidence | 9.2/20 P/BV 6.36× · P/BV÷ROE — 10% evidence | 3.5/20 RS sector -34.1% · RS bench -39.5% · 1Y -48.5%8 of 12 weeks ahead to 2026-03-08 70% evidence | |
| Exact sum: 17.5 + 9.3 + 9.2 + 3.5 = 39.5 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
Missing observations are not scored as bad. Their missing weight lowers confidence and pulls the final score toward neutral. Financial companies use P/BV÷ROE and asset quality; PEG, industrial OPM and ROCE are excluded. Under relative strength, one mark per week shows the last 12 weeks: a mark is filled where the company led NIFTY 500 by 5% or more over the 13 weeks ending that week, which is the same test used everywhere on this site. Price stage places the company on the same six-step curve the sector itself is placed on — basing, turning, breaking out, leader, fading, asleep — read from how many weeks running it has led NIFTY 500 and whether that lead is widening or shrinking. It describes where the PRICE stands, not the earnings trajectory and not a recommendation, and it is left blank for a company whose weekly history is too short or too stale to read.
Frequently asked questions
What is The Investment Trust of India Ltd's share price today?
The Investment Trust of India Ltd trades at ₹97.7, −40.1% over the past year. The company is valued at ₹510 Cr. The stock sits at 9% of its 52-week range of ₹92–₹154, −12.5% versus its 200-day average. On the tape, the price is in a downtrend, 44 weeks in. — as of 31 July 2026.
What were The Investment Trust of India Ltd's latest quarterly results?
The Investment Trust of India Ltd reported total income of ₹53.1 Cr and net profit of ₹6.1 Cr for the Mar 26 quarter. Income fell 43.5% and profit fell 11.0% year on year. Earnings per share were ₹1.18. The net margin was 11.5%, 4.2 pp higher than a year earlier. — as of 31 July 2026.
What is The Investment Trust of India Ltd's revenue?
The Investment Trust of India Ltd reported revenue of ₹53.1 Cr in the Mar 26 quarter, −43.5% year on year. For the full FY26 fiscal year, revenue was ₹285 Cr (−21.3%). Over the last 10 years revenue compounded at 7.9% a year. — as of 31 July 2026.
What is The Investment Trust of India Ltd's profit?
The Investment Trust of India Ltd earned ₹6.1 Cr of net profit in the Mar 26 quarter, −11.0% year on year. Full-year FY26 profit was ₹35.0 Cr. The net margin ran 11.5% in the latest quarter. — as of 31 July 2026.
What is The Investment Trust of India Ltd's market cap?
The Investment Trust of India Ltd's market capitalisation is ₹510 Cr at a share price of ₹97.7. Market cap is the share price multiplied by shares outstanding, so it is restated whenever the price moves. — as of 31 July 2026.
What is The Investment Trust of India Ltd's P/BV ratio?
The Investment Trust of India Ltd trades at a P/BV of 0.7×, at the 2nd percentile of its own 11-year range, against a long-run median of 1.1×. This is a comparison with the stock's own history, not a value call — as of 31 July 2026.
Does The Investment Trust of India Ltd pay a dividend?
No — The Investment Trust of India Ltd has recorded a dividend payout of 0% of profit in each of its last 13 reported fiscal years, so there is no payout history to quote. That is a reading of the filed annual statements, not an estimate. — as of 31 July 2026.
Is The Investment Trust of India Ltd overvalued?
On its own history, The Investment Trust of India Ltd looks cheap against its own history: its P/BV of 0.7× has been cheaper only 2% of the time in 11 years (long-run median 1.1×). That is a percentile read against the stock's own past, not a price opinion or a direction call. — as of 31 July 2026.
Is The Investment Trust of India Ltd growing?
Not right now — The Investment Trust of India Ltd's latest numbers are shrinking: latest-quarter revenue −43.5% year on year, profit −11.0%, and the the net margin +4.2 pp at 11.5%. The 10-year compound rates are 7.9% (revenue) and 19.3% (profit). The earnings engine currently reads: deteriorating — as of 31 July 2026.
How is The Investment Trust of India Ltd performing?
The Investment Trust of India Ltd is in a downtrend, 44 weeks in. Its latest quarter's income fell 43.5% and profit fell 11.0% year on year. Against the NIFTY 500 it has been behind on a trailing-13-week view for 3 weeks. This describes what the data did, not a rating. — as of 31 July 2026.
What stage is The Investment Trust of India Ltd in?
Deteriorating — revenue and profit growth are shrinking (revenue growth −43.5% latest (single-quarter readings) against +43.5% at its 12-quarter best). The read comes from the last 12 quarters of growth (revenue growth −43.5% latest, profit growth −11.0% latest) plus the ROE curve, classified by deterministic rules — a trajectory read, not a buy or sell call — as of 31 July 2026.
Is The Investment Trust of India Ltd in an uptrend?
No — the price is in a downtrend (week 44 of stage 4), trading −12.5% versus its 200-day average and at 9% of its 52-week range. Price stages cycle base → advance → top → decline, and the stage names where this stock sits in that cycle — as of 31 July 2026.
Is The Investment Trust of India Ltd beating the market?
Not lately — on a trailing-13-week view The Investment Trust of India Ltd is currently behind the NIFTY 500 (3 weeks and counting; last ahead the week of 2026-07-10), the same metric the week-by-week ribbon on this page draws. Separately, on the cumulative view: over the last 10.4 years the stock moved −24% against the NIFTY 500's +282% — behind the index over the full window. — as of 31 July 2026.
Will The Investment Trust of India Ltd's share price go up?
This page publishes no price forecast for The Investment Trust of India Ltd. What it measures instead: the share price is ₹97.7, the price is in a downtrend 44 weeks in. Its P/BV of 0.7× sits at the 2nd percentile of its own 11-year range. — as of 31 July 2026.
Who owns The Investment Trust of India Ltd?
Promoters hold 72.1% of The Investment Trust of India Ltd, foreign institutions 6.5%, domestic institutions null% and the public 21.3% (latest quarter). No holder moved a full point over the last two years — the register is quiet. — as of 31 July 2026.
Is The Investment Trust of India Ltd's loan book healthy?
We do not hold quarterly loan-book quality numbers for The Investment Trust of India Ltd, so this page says that plainly. The cleanest available reads are revenue growth (−21.3% in FY26) and the net margin on it (11.5%) — as of 31 July 2026.
Where is The Investment Trust of India Ltd in its business cycle?
The Investment Trust of India Ltd's FY26 net margin was 12.3%, against a 13-year band of −1.8%–23.9%: mid-band by its own history — neither the peak that precedes mean-reversion nor the trough that precedes recovery. The latest quarter ran 11.5%. Profitability versus a company's own long band is the cleanest cycle clock this page holds — as of 31 July 2026.
What could break the The Investment Trust of India Ltd story?
The sharpest disagreement: the P/BV sits at the 2nd percentile of its own range, but the engine is deteriorating — cheap for a reason until the quarters turn. Mechanically, two Friday closes in a row below the 200-day average would end the price trend — that is the exit rule this page tracks — as of 31 July 2026.
Is The Investment Trust of India Ltd a stock worth studying right now?
This is not investment advice. The machine read: The Investment Trust of India Ltd is cheap for a reason. The P/BV sits at the 2nd percentile of its own range, and the quarters are still getting worse. The sharpest open question: whether the quarters turn before the discount closes. Every number on this page is drawn deterministically from the raw series, with no forecasts and no price opinions — as of 31 July 2026.