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Bulk Deal as on 08-07-21

Akash Infra Project
+ 1 Lk @ 228.43 Nishant Pitti

Asian Granito
- 1.85 Lk @ 180.73 Shruti Lodha

Gee Ltd
+ 1.25 Lk @ 90.04 Anirudh Mohta

Kelton Tech
- 23.23 Lk @ 63.75 Ankit Kothari

Walchandnagar
- 3.28 Lk @ 73.18 Vistra Itcl Ind Ltd
*Tata Consultancy Services ltd.* | *CMP* Rs. 3257 | *M Cap* Rs. 1204797 Cr | *52 W H/L* 3400/2125
(Nirmal Bang Retail Research)
Order book ($ Bn ) came at $ 8.1 bn vs, QoQ $ 9.2 bn, YoY $ 6.9 bn
*Result is marginally below expectation*
CC Qoq came at 2.4% vs expectation of 3.7%, QoQ 4.2%
Lower growth is in account of impact of COVID in India. Core marke saw revenue growth of 5.2%
Dollar revenue came at $ 6154 Mn,(2.8% QoQ, 21.6% YoY) vs expectation of $ 6217.9 Mn, QoQ $ 5989 Mn, YoY $ 5059 Mn
Net sales came at Rs. 45411 Cr (3.9% QoQ, 18.5% YoY) vs expectation of Rs. 45699.8 Cr, QoQ Rs. 43705 Cr, YoY Rs. 38322 Cr
EBIT came at Rs. 11588 Cr (-1.2% QoQ, 28.1% YoY) vs expectation of Rs. 11751.6 Cr, QoQ Rs. 11734 Cr, YoY Rs. 9048 Cr
EBIT Margin came at 25.5% vs expectation of 25.7%, QoQ 26.8%, YoY 23.6%
Adj. PAT came at Rs. 9008 Cr vs expectation of Rs. 9338.6 Cr, QoQ Rs. 9246 Cr, YoY Rs. 7008 Cr
Quarter EPS is Rs. 24.4
Stock is trading at P/E of 30.5x EPS
*Life Insurance Monthly Update for June 2021*

June 2021 APE - Total Pvt. Players increased by +18% YoY to Rs. 3818 Cr
> Outperformers: Bajaj +56%, ICICI +44%, Max +18%
> Underperformers: SBI +13%, HDFC +5%

YTD (Apr-June 2021) APE - Pvt. Players increased by +27% YoY at Rs. 7954 Cr
> Outperformers: Bajaj +53%, ICICI +48%, Max +36%
> Underperformers: HDFC +26%, SBI +26%


*Bajaj Allianz Life Insurance Co. Ltd. (Bajaj Finserv) June'21 performance*
• APE came at Rs. 262 Cr. vs YoY Rs. 168 Cr. (+56%) and MoM Rs. 137 Cr. (+91%)
• *June. Month* Market Share (pvt player APE) came at 6.9% vs YoY 5.2% and MoM 7.1%
• *YTD* Market Share (pvt player APE) came at 7.1% vs YoY 5.9%

*ICICI Prudential Life Insurance Company. Ltd. June'21 performance*
• APE came at Rs. 452 Cr. vs YoY Rs. 314 Cr. (+44%) and MoM Rs. 257 Cr. (+76%)
• *June. Month* Market Share (pvt player APE) came at 11.8% vs YoY 9.7% and MoM 13.4%
• *YTD* Market Share (pvt player APE) came at 12.3% vs YoY 10.6%

*Max Life Insurance Company. Ltd. June'21 performance*
• APE came at Rs. 420 Cr. vs YoY Rs. 356 Cr. (+18%) and MoM Rs. 184 Cr. (+129%)
• *June. Month* Market Share (pvt player APE) came at 11.0% vs YoY 11.0% and MoM 9.5%
• *YTD* Market Share (pvt player APE) came at 10.6% vs YoY 10.0%

*SBI Life Insurance Company. Ltd. June'21 performance*
• APE came at Rs. 799 Cr. vs YoY Rs. 704 Cr. (+13%) and MoM Rs. 311 Cr. (+157%)
• *June. Month* Market Share (pvt player APE) came at 20.9% vs YoY 21.8% and MoM 16.1%
• *YTD* Market Share (pvt player APE) came at 19.4% vs YoY 19.5%

*HDFC Life Insurance Company. Ltd. June'21 performance*
• APE came at Rs. 654 Cr. vs YoY Rs. 620 Cr. (+5%) and MoM Rs. 399 Cr. (+64%)
• *June. Month* Market Share (pvt player APE) came at 17.1% vs YoY 19.2% and MoM 20.7%
• *YTD* Market Share (pvt player APE) came at 18.7% vs YoY 18.8%
*JP Morgan: Tata Consultancy Services: 1Q22 first look- Misses across revenues/EPS lead by India/EU, deal wins remain strong*

TCS 1QFY22 print missed Street/JPMe expectations across revenues, margins and EPS. Revenues were 0.3%/0.9% below JPMe/consensus while margins were 10bps below consensus and 30bps below JPMe. Deal wins continued to be strong at US$8.1bn, up 17% YY, but down 12% QQ implying overall environment remains strong. Misses on revenue and margins are likely to weigh on the stock in the near term.

First look at the results*: TCS missed expectations this time with CC revenue miss of 30bps/90bps and EBIT margin miss of 30bps/10bps driving a 3% EPS miss vs. JPMe/consensus. CC QQ revenues was soft for seasonally strong 1Q at 2.4% impacted primarily by a sharp decline in India business (down 14% QQ); ex-India growth was strong at 4.1%. Ebit margins declined 133bps QQ to 25.5% primarily due to wage hikes. Revenue growth was secular across industries, strong in US/UK but saw weakness in India, Europe & APAC (~30% of total). Deal wins continued to remain solid at US$8.1bn, up 17% YY and in-line with last 4 quarter average of US$7.9bn.

Where do we go from here?* While YY growth touched 16% given easy comps, sequential growth was softer than our street-low numbers. Even if this is from three geos (India, EU, APAC) that were slower than the rest (c.4%) these geos form~30% of the business are par for course for a global business like TCS. This is TCS’ first miss in four quarters and should drive 1-2% cut to consensus FY22 revenue and EPS. TCS’s strong signing and strong growth in US/UK reflects a very strong demand environment helped by demand from IT megatrends & cost takeout, in addition to its market success. However, given the stock has been flirting with all-time highs recently, the lack of either margin or growth surprise is likely to drive to drive stock consolidation in the near term. We remain OW on TCS for its cross cycle strengths.

Takeaways for peers*: TCS' exposure to India is higher than peers. We see primary takeaways from its strong deal wins and key verticals (4% QQ) as positive for Infosys, HCL. TechM has higher exposure to non US/UK markets but has lower expectations.

*Headlines from the results:*
*US$ revenues were up 2.8%QQ, 10bps ahead of JPMe but 70bps below consensus
*CC revenue grew 2.4% QQ, 30bps below JPMe/90bps below consensus
*EBIT margin was 25.5% below JPMe (25.8%) and consensus (25.6%) with a 133 bps decline QQ
*PAT was Rs90bn, 3% below JPMe and consensus
Deal wins were strong at $8.1bn (up 17% YY).*

*Details:*
*Geos*: Revenue grew sequentially for all regions except India; The CC QQ growth was led by North America/UK/LatAm/MEA (+4% QQ), dragged by Europe/APAC (up 2% QQ) and India down 14% QQ
*Verticals*: All verticals witnessed a growth QQ. CC QQ growth led by Life Science & Healthcare (+7% QQ), Manufacturing/Technology & Services (+5% QQ), Retail & CPG (+4% QQ), BFSI (+3% QQ), Communications & Media (+2% QQ)