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Last Updated on: 18 November, 2024
Author: Getaka|Social: Getaka Financial Services X (Earlier Twitter) Profile Getaka Financial Services LinkedIn Logo

Naga Dhunseri Group Ltd: Intrinsic Value and Fundamental Analysis

Share Price and Basic Stock Data

Last Updated: November 15, 2024, 2:15 pm

Market Cap 541 Cr.
Current Price 5,413
High / Low6,689/2,013
Stock P/E12.8
Book Value 8,661
Dividend Yield0.05 %
ROCE4.71 %
ROE4.29 %
Face Value 10.0
PEG Ratio0.05

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Naga Dhunseri Group Ltd

Competitors of Naga Dhunseri Group Ltd

Stock NameMarket CapCurrent PriceHigh / LowStock P/EBook ValueDividend YieldROCEROEFace Value
Inani Securities Ltd 12.4 Cr. 27.342.0/20.58.60 42.20.00 %10.6 %6.92 % 10.0
HCKK Ventures Ltd 37.6 Cr. 101154/77.4209 11.50.00 %8.17 %6.44 % 10.0
HB Portfolio Ltd 107 Cr. 99.2177/53.514.4 2791.01 %3.34 %2.90 % 10.0
Haryana Capfin Ltd 174 Cr. 334448/0.0034.4 6130.00 %1.30 %0.97 % 10.0
Harmony Capital Services Ltd 19.8 Cr. 65.973.4/36.2 3.570.00 %6.55 %5.09 % 10.0
Industry Average7,224.36 Cr2,551.4069.265,639.430.29%15.40%17.37%7.42

All Competitor Stocks of Naga Dhunseri Group Ltd

Quarterly Result

MonthDec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023
Sales2.050.210.614.700.750.160.386.613.940.024.998.7411.98
Expenses0.851.310.250.360.290.390.320.370.420.530.430.411.78
Operating Profit1.20-1.100.364.340.46-0.230.066.243.52-0.514.568.3310.20
OPM %58.54%-523.81%59.02%92.34%61.33%-143.75%15.79%94.40%89.34%-2,550.00%91.38%95.31%85.14%
Other Income15.4721.6224.1015.3319.0110.7736.7311.5411.433.515.069.860.01
Interest0.110.120.110.110.110.110.110.110.110.110.120.120.12
Depreciation0.120.160.130.130.130.130.120.120.120.140.130.130.13
Profit before tax16.4420.2424.2219.4319.2310.3036.5617.5514.722.759.3717.949.96
Tax %-0.85%-1.98%-1.28%5.87%0.57%-7.48%-0.03%5.70%1.43%-1.82%3.63%7.02%15.16%
Net Profit16.5720.6424.5418.2919.1311.0736.5716.5514.512.799.0316.688.45
EPS in Rs165.70206.40245.40182.90191.30110.70365.70165.50145.1027.9090.30166.8084.50

Last Updated: Unknown

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: Unknown

MonthMar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023TTM
Sales18447922761126
Expenses163164282123
Operating Profit213150-665923
OPM %13%30%19%16%-241%77%79%85%88%
Other Income0019054696318
Interest000000000
Depreciation000001001
Profit before tax213159-658737240
Tax %-1%19%20%4%16%2%0%2%
Net Profit-1886319-557737037
EPS in Rs-180.40862.30308.0090.20-54.40571.50730.30704.20369.50
Dividend Payout %-1%0%1%3%-2%0%0%0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2016-20172017-20182018-20192019-20202020-20212021-20222022-2023
YoY Net Profit Growth (%)577.78%-63.95%-70.97%-155.56%1240.00%28.07%-4.11%
Change in YoY Net Profit Growth (%)0.00%-641.73%-7.01%-84.59%1395.56%-1211.93%-32.18%

Naga Dhunseri Group Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 7 years from 2016-2017 to 2022-2023.

Growth

Compounded Sales Growth
10 Years:%
5 Years:64%
3 Years:60%
TTM:58%
Compounded Profit Growth
10 Years:%
5 Years:31%
3 Years:-16%
TTM:-14%
Stock Price CAGR
10 Years:%
5 Years:58%
3 Years:66%
1 Year:121%
Return on Equity
10 Years:%
5 Years:8%
3 Years:9%
Last Year:4%

Last Updated: Unknown

Balance Sheet

Last Updated: October 15, 2024, 3:15 pm

MonthMar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Equity Capital111111111
Reserves87231271409364490640712865
Borrowings000000000
Other Liabilities25815691019
Total Liabilities91237280411370497650722885
Fixed Assets11161212111111
CWIP000000000
Investments70215239397341473629704861
Other Assets202239817129713
Total Assets91237280411370497650722885

Reserves and Borrowings Chart

Cash Flow

MonthMar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Cash from Operating Activity +-81-816-72-15
Cash from Investing Activity +8110-43-10-00
Cash from Financing Activity +-1-21-0-0-0-1-1-1
Net Cash Flow-113-49-82-24

Free Cash Flow

MonthMar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Free Cash Flow2.0013.0015.000.00-6.006.005.009.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Debtor Days000000000
Inventory Days342136114
Days Payable030
Cash Conversion Cycle342133114000000
Working Capital Days25491931,123216327886424
ROCE %8%6%3%-2%14%13%11%5%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthJun 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024
Promoters73.58%73.58%73.58%73.58%73.58%73.58%73.58%73.58%73.58%73.58%73.58%73.58%
DIIs0.04%0.04%0.04%0.04%0.44%0.44%0.44%0.44%0.44%0.44%0.44%0.44%
Public26.38%26.38%26.37%26.38%25.98%25.98%25.98%25.98%25.98%25.98%25.98%25.98%
No. of Shareholders1,8441,8131,8301,8511,9501,9031,8922,2192,2782,3472,2452,447

Shareholding Pattern Chart

No. of Shareholders

This stock is not held by any mutual fund

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 24Mar 23Mar 22Mar 21Mar 20
FaceValue10.0010.0010.0010.0010.00
Basic EPS (Rs.)338.42704.20730.32571.45-54.40
Diluted EPS (Rs.)338.42704.20730.32571.45-54.40
Cash EPS (Rs.)238.2077.0843.6038.70-0.81
Book Value[Excl.RevalReserv]/Share (Rs.)8660.687125.106406.964912.263652.77
Book Value[Incl.RevalReserv]/Share (Rs.)8660.687125.106406.964912.263652.77
Revenue From Operations / Share (Rs.)290.74109.5162.0971.4123.18
PBDIT / Share (Rs.)271.8193.0749.6855.07-7.06
PBIT / Share (Rs.)266.5488.0844.6649.87-11.83
PBT / Share (Rs.)261.9683.6640.2645.45-15.95
Net Profit / Share (Rs.)232.9272.0938.5733.50-5.58
NP After MI And SOA / Share (Rs.)338.42704.20730.32571.45-54.40
PBDIT Margin (%)93.4884.9880.0277.11-30.46
PBIT Margin (%)91.6780.4371.9369.83-51.03
PBT Margin (%)90.0976.3964.8463.63-68.81
Net Profit Margin (%)80.1165.8262.1246.91-24.06
NP After MI And SOA Margin (%)116.39643.041176.29800.20-234.70
Return on Networth / Equity (%)3.909.8811.3911.63-1.48
Return on Capital Employeed (%)3.021.220.691.01-0.32
Return On Assets (%)3.829.7411.2311.49-1.46
Asset Turnover Ratio (%)0.030.010.010.010.01
Current Ratio (X)183.49152.37138.24105.8479.27
Quick Ratio (X)183.49152.37138.24105.8479.27
Dividend Payout Ratio (NP) (%)0.000.350.340.21-4.59
Dividend Payout Ratio (CP) (%)0.000.350.330.21-5.03
Earning Retention Ratio (%)0.0099.6599.6699.79104.59
Cash Earning Retention Ratio (%)0.0099.6599.6799.79105.03
Interest Coverage Ratio (X)59.4021.0411.3012.45-1.71
Interest Coverage Ratio (Post Tax) (X)51.9017.309.778.57-0.35
Enterprise Value (Cr.)209.26126.62126.3073.3931.42
EV / Net Operating Revenue (X)7.2011.5620.3410.2813.56
EV / EBITDA (X)7.7013.6025.4213.33-44.50
MarketCap / Net Operating Revenue (X)7.3611.6120.7810.3717.45
Retention Ratios (%)0.0099.6499.6599.78104.59
Price / BV (X)0.240.170.200.150.11
Price / Net Operating Revenue (X)7.3611.6120.7810.3717.45
EarningsYield0.150.550.560.77-0.13

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Naga Dhunseri Group Ltd as of November 18, 2024 is: 4,758.31

Calculation basis:

  • Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of November 18, 2024, Naga Dhunseri Group Ltd is Overvalued by 12.09% compared to the current share price 5,413.00

Intrinsic Value of Naga Dhunseri Group Ltd as of November 18, 2024 is: 15,962.84

Calculation basis:

  • Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
  • EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of November 18, 2024, Naga Dhunseri Group Ltd is Undervalued by 194.90% compared to the current share price 5,413.00

Last 5 Year EPS CAGR: 235.47%

*Investments are subject to market risks

Strength and Weakness

StrengthWeakness
  1. The company has higher reserves (452.11 cr) compared to borrowings (0.00 cr), indicating strong financial stability.
  2. The company has shown consistent growth in sales (21.67 cr) and profit (30.67 cr) over the years.
  1. The stock has a low average ROCE of 6.44%, which may not be favorable.
  2. The stock has a high average Working Capital Days of 128.67, which may not be favorable.
  3. The stock has a high average Cash Conversion Cycle of 65.44, which may not be favorable.

Stock Analysis

  • Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Naga Dhunseri Group Ltd:
    1. Net Profit Margin: 80.11%
      • Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
    2. ROCE: 3.02% (Industry Average ROCE: 15.2%)
      • ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
    3. ROE%: 3.9% (Industry Average ROE: 15.98%)
      • ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
    4. Interest Coverage Ratio (Post Tax): 51.9
      • Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
    5. Quick Ratio: 183.49
      • Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
    6. Stock P/E: 12.8 (Industry average Stock P/E: 53.56)
      • Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
    7. Total Debt / Equity: 0
      • Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
    The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
    Stock Rating:

About the Company - Qualitative Analysis

Naga Dhunseri Group Ltd. is a Public Limited Listed company incorporated on 26/08/1918 and has its registered office in the State of West Bengal, India. Company’s Corporate Identification Number(CIN) is L01132WB1918PLC003029 and registration number is 003029. Currently Company is involved in the business activities of Other financial service activities, except insurance and pension funding activities. Company’s Total Operating Revenue is Rs. 6.54 Cr. and Equity Capital is Rs. 1.00 Cr. for the Year ended 31/03/2022.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)Dhunseri House, Kolkata West Bengal 700020mail@nagadhunserigroup.com
https://nagadhunserigroup.com
Management
NamePosition Held
Mr. C K DhanukaChairman
Mrs. Aruna DhanukaNon Executive Director
Mr. Indra Kishore KejriwalIndependent Director
Mr. Gobind Ram GoenkaIndependent Director
Mr. Rajeev RungtaIndependent Director
Mr. Mrigank DhanukaNon Executive Director
Mrs. Bharati DhanukaNon Executive Director
Mrs. Rusha MitraIndependent Director
Mr. Bhanwar Lal ChandakIndependent Director
Mr. Anil BhutoriaIndependent Director

FAQ

What is the latest intrinsic value of Naga Dhunseri Group Ltd?

The latest intrinsic value of Naga Dhunseri Group Ltd as on 18 November 2024 is ₹4758.31, which is 12.09% lower than the current market price of ₹5,413.00.

What is the Market Cap of Naga Dhunseri Group Ltd?

The Market Cap of Naga Dhunseri Group Ltd is 541 Cr..

What is the current Stock Price of Naga Dhunseri Group Ltd as on 18 November 2024?

The current stock price of Naga Dhunseri Group Ltd as on 18 November 2024 is ₹5,413.

What is the High / Low of Naga Dhunseri Group Ltd stocks in FY 2024?

In FY 2024, the High / Low of Naga Dhunseri Group Ltd stocks is 6,689/2,013.

What is the Stock P/E of Naga Dhunseri Group Ltd?

The Stock P/E of Naga Dhunseri Group Ltd is 12.8.

What is the Book Value of Naga Dhunseri Group Ltd?

The Book Value of Naga Dhunseri Group Ltd is 8,661.

What is the Dividend Yield of Naga Dhunseri Group Ltd?

The Dividend Yield of Naga Dhunseri Group Ltd is 0.05 %.

What is the ROCE of Naga Dhunseri Group Ltd?

The ROCE of Naga Dhunseri Group Ltd is 4.71 %.

What is the ROE of Naga Dhunseri Group Ltd?

The ROE of Naga Dhunseri Group Ltd is 4.29 %.

What is the Face Value of Naga Dhunseri Group Ltd?

The Face Value of Naga Dhunseri Group Ltd is 10.0.

About the Author

Author Avatar
Getaka

Getaka, CFA, a financial analyst with 15 years of experience in the industry. Getaka holds an MBA degree and the Chartered Financial Analyst designation, demonstrating his profound understanding of financial analysis and investment management. Throughout his career, he has conducted numerous financial analyses and due diligence processes for companies in the industry, and has a strong track record of identifying key trends and opportunities. He leverages his expertise to deliver a thorough financial analysis of a company, encompassing its financial performance, key ratios, future prospects, and risks. Getaka is committed to providing accurate, reliable, and trustworthy information to help readers make informed decisions about their finances and investments.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Naga Dhunseri Group Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE