💼 SBI Life Insurance Company Ltd | Mar 2025 Results Out

Mixed Quarter 😐

📊 Key Metrics

Revenue (REV):
📅 Mar 2025: ₹23860.71 Cr
📅 Dec 2024: ₹24827.54 Cr
📅 Mar 2024: ₹25116.47 Cr
📉 🔻3.89% QoQ, 🔻5.00% YoY

Profit Before Tax (PBT):
📅 Mar 2025: ₹840.61 Cr
📅 Dec 2024: ₹571.61 Cr
📅 Mar 2024: ₹836.35 Cr
📉 ⬆️47.06% QoQ, ⬆️0.51% YoY

Profit After Tax (PAT):
📅 Mar 2025: ₹813.51 Cr
📅 Dec 2024: ₹550.82 Cr
📅 Mar 2024: ₹810.80 Cr
📉 ⬆️47.69% QoQ, ⬆️0.33% YoY

🤖 Key Insights:

📌 PAT saw a strong 47.7% QoQ jump to ₹813.5 Cr in Q4 FY25, but this was despite a 3.9% QoQ revenue decline. YoY PAT growth was minimal at 0.3%, while revenue fell 5% YoY. Investment income likely played a role in bolstering profits. 📈

📌 Value of New Business (VNB) for FY25 was reported at ₹59.5 billion, a positive indicator for future profitability, aligning with the company's growth focus. 💰

📌 Persistency remains a strength, with 13th-month ratio at a healthy 87.41% for FY25, showing good customer retention. 👍

📌 Expense of Management ratio increased to 9.68% in FY25 from 8.89% in FY24, highlighting rising operational costs that need monitoring. ⚠️

📌 Fundamentals look solid: Solvency ratio is comfortable at 1.96x, well above the regulatory minimum. Long-term outlook seems positive given under-penetration and brand strength, though short-term headwinds like competition and potential regulatory impacts persist. 🏦

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All existing valid visas issued by India to Pakistani nationals stand revoked from April 27

Medical Visas Issued To Pakistani Nationals Will Be Valid Only Till April 29 ; India Official

💼 Jayshree Chemicals Ltd | Mar 2025 Results Out

Turnaround Signs 👍

📊 Key Metrics

Revenue (REV):
📅 Mar 2025: ₹461.00 Lakh
📅 Dec 2024: ₹339.00 Lakh
📅 Mar 2024: ₹341.00 Lakh
📉 ⬆️35.99% QoQ, ⬆️35.19% YoY

Profit Before Tax (PBT):
📅 Mar 2025: ₹14.00 Lakh
📅 Dec 2024: ₹-50.00 Lakh
📅 Mar 2024: ₹-346.00 Lakh
📉 ⬆️128.00% QoQ, ⬆️104.05% YoY

Profit After Tax (PAT):
📅 Mar 2025: ₹14.00 Lakh
📅 Dec 2024: ₹-50.00 Lakh
📅 Mar 2024: ₹-346.00 Lakh
📉 ⬆️128.00% QoQ, ⬆️104.05% YoY

🤖 Key Insights:

📌 Returned to quarterly profit (₹14 L) after significant prior losses, signaling a potential turnaround driven by the core Trading division's improved performance. 📈

📌 Strategic streamlining achieved via Wind Power divestment and Electric unit closure, sharpening focus purely on the Chemical Trading business. 🎯

📌 Full-year loss reduced considerably for FY25 vs FY24 despite exceptional items, though TTM earnings remain negative (-₹2.28 Cr). 👀

📌 Increased Trade Receivables warrant monitoring alongside revenue growth efforts in the trading segment. ⚠️

📌 Future prospects hinge on sustaining profitability in Chemical Trading; I think the outlook is cautiously optimistic short-term, dependent on execution long-term amidst sector headwinds like input costs. 🏦

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💼 Waaree Technologies Ltd | Mar 2025 Results Out

Weak Results 📉

📊 Key Metrics

Revenue (REV):
📅 Mar 2025: ₹463.95 Lakh
📅 Sep 2024: ₹559.62 Lakh
📅 Mar 2024: ₹1504.94 Lakh
📉 🔻17.10% HoH, 🔻69.17% YoY

Profit Before Tax (PBT):
📅 Mar 2025: ₹-407.55 Lakh
📅 Sep 2024: ₹-345.71 Lakh
📅 Mar 2024: ₹-722.73 Lakh
📉 🔻17.89% HoH, ⬆️43.61% YoY

Profit After Tax (PAT):
📅 Mar 2025: ₹-303.03 Lakh
📅 Sep 2024: ₹-261.97 Lakh
📅 Mar 2024: ₹-550.53 Lakh
📉 🔻15.67% HoH, ⬆️44.96% YoY

🤖 Key Insights:

📌 Persistent losses (-₹303 L PAT in H2 FY25) driven by severe revenue decline (-69% YoY), indicating continued operational struggles. 📉

📌 Deepening negative net worth (-₹191 L) coupled with high short-term debt (~₹1766 L) flags serious financial stability concerns; RoE remains deeply negative. 🏦⚠️

📌 The company's diverse trading activities (tapes, e-vehicles, AI) haven't yet translated into profitability, underscoring the need for a clear turnaround strategy. ❓

📌 Traditional valuation metrics like PE are not applicable due to negative earnings. The stock trades at an extremely high multiple of its book value, placing emphasis on future recovery potential. N/A

📌 While potential macro tailwinds exist, significant internal financial headwinds and inherent SME stock volatility define the current risk profile. 👀

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Aimtron Electronics – H2FY25 Results 🚀
SME
H2 FY25 vs H1 FY25
👇👇👇

👉💰 Total Income: ₹102 Cr vs ₹58 Cr (+76.5%)
👉💸 Net Profit: ₹14.55 Cr vs ₹11.18 Cr (+30.1%)

YoY FY25 vs FY24
👇👇👇

👉📈 Total Income: ₹161.23 Cr vs ₹93.72 Cr
👉🤑 Net Profit: ₹25.71 Cr vs ₹13.59 Cr (+89.1%)
👉✨ PAT almost 2x YoY!

Valuation Check:
📊 Market Cap: ~₹1,200 Cr
📈 PE Ratio: ~47
🎯 Management targets 50% CAGR
🚫 No ESM concerns!

✅ Strong growth with solid fundamentals!

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INDIA US TRADE DEAL

BREAKING: Pakistan says it is suspending trade with India

BREAKING: Pakistan says any attempt to 'stop or divert flow of water belonging to Pakistan as per Indus Waters Treaty will be considered as an Act of War'

BREAKING: Pakistan shuts its airspace to Indian airlines

BREAKING: India calls on its citizens to leave Pakistan

Cyient FY25 Update:
Mixed Growth, Strong Cash Position & Strategic Wins ⚡ | MCap 13,802.69 Cr

- Group revenue: $870M (+1.5% YoY, constant currency)
- Group PAT: ₹622Cr (-15.4% YoY), EPS: ₹56.50
- Total dividend: ₹26/share (₹14 final dividend)
- DET revenue: $687.7M (-3.0% YoY)
- DET order intake: $836.1M (-7.3% YoY)
- 24 large DET deals won ($370.8M total potential)
- Group FCF: ₹688Cr (+6.2% YoY)
- DET cash position: $157M (debt-free)
- DET attrition: 16.5% (Q4 FY25)
- New subsidiary: Cyient Semiconductors (CEO: Suman Narayan)
- New CEO for Cyient DET: Sukamal Banerjee
- Strategic hydrogen project in Norway
- Alliance with Micware Navigations for mobility solutions

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💼 Cyient Ltd | Mar 2025 Results Out

Mixed Quarter; Decent Recovery 👍

📊 Key Metrics

Revenue (REV):
📅 Mar 2025: ₹1909.20 Cr
📅 Dec 2024: ₹1926.40 Cr
📅 Mar 2024: ₹1860.80 Cr
📉 🔻0.89% QoQ, ⬆️2.60% YoY

Profit Before Tax (PBT):
📅 Mar 2025: ₹252.50 Cr
📅 Dec 2024: ₹173.60 Cr
📅 Mar 2024: ₹259.10 Cr
📉 ⬆️45.45% QoQ, 🔻2.55% YoY

Profit After Tax (PAT):
📅 Mar 2025: ₹170.40 Cr
📅 Dec 2024: ₹122.30 Cr
📅 Mar 2024: ₹189.20 Cr
📉 ⬆️39.33% QoQ, 🔻9.94% YoY

🤖 Key Insights:

📌 Q4 PAT showed a strong sequential jump (+39.3%) mainly due to the high-growth DLM segment, but declined YoY (-9.9%) dragged by continued softness in the larger Digital, Engineering & Technology (DET) business. FY25 performance reflects this divergence.

📌 The company significantly missed its initial FY25 guidance, revising revenue growth downwards multiple times to a -2.7% contraction and cutting the exit margin target sharply. Achieving the stated FY26 margin goal of 16% appears challenging given the weak FY25 exit rate. 👀

📌 Strategic moves like the semiconductor business carve-out and recent acquisitions are positive steps towards higher growth areas, but integration success and turning acquired entities profitable are crucial monitorables. 🏗️💰

📌 The current TTM PE of around 22x seems lower compared to previous levels, potentially reflecting concerns about DET segment recovery and recent guidance cuts. Valuation hinges on renewed growth momentum. 📉

📌 While the long-term outlook benefits from digital engineering tailwinds, near-term challenges include reviving the core DET business amidst global uncertainties and managing the impact of the recent fair value reduction in an investment. 🏦⚠️

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CYIENT Q4 CONS:

NET PROFIT UP 39% AT 170.4 CR (QOQ) , DOWN 9.9% (YOY)

REVENUE DOWN 1% AT 1909.2 CR (QOQ) , UP 2.6% (YOY)

EBIT UP 11% AT 234.8CR (QOQ) , DOWN 12 % (YOY)

MARGINS AT 12.29 % V 10.9 % (QOQ) , 14.4 % (YOY)

CO DECLARE DIVIDEND 14 RS PER SHARE

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💼 AAVAS Financiers Ltd | Mar 2025 Results Out

Solid FY24 Performance, Q4 tempered by costs 👍

Net Profit Up 7.8% At ₹153.7 Cr Vs ₹142.6 Cr (YoY)

NII Up 14.5% At ₹371.5 Cr Vs ₹324.4 Cr (YoY)

📊 Key Metrics

Revenue (REV):
📅 Mar 2025: ₹636.21 Cr
📅 Dec 2024: ₹596.74 Cr
📅 Mar 2024: ₹546.02 Cr
📉 ⬆️6.61% QoQ, ⬆️16.52% YoY

Profit Before Tax (PBT):
📅 Mar 2025: ₹193.22 Cr
📅 Dec 2024: ₹188.40 Cr
📅 Mar 2024: ₹177.49 Cr
📉 ⬆️2.56% QoQ, ⬆️8.86% YoY

Profit After Tax (PAT):
📅 Mar 2025: ₹153.68 Cr
📅 Dec 2024: ₹146.42 Cr
📅 Mar 2024: ₹142.62 Cr
📉 ⬆️4.96% QoQ, ⬆️7.76% YoY

🤖 Key Insights:

📌 Aavas reported robust FY24 PAT growth around 14%, though Q4 PAT growth (~8% YoY) was impacted by higher operating costs, especially employee expenses (+23% QoQ), somewhat limiting margin expansion despite strong NII. 👍

📌 Management guidance for FY25 AUM growth is 20-25%, supported by record Q4 disbursements (+39% QoQ). Maintaining spreads around 5% and managing costs will be crucial for achieving profitability targets. 🎯

📌 Asset quality remains a key strength (GNPA 0.94% end-FY24, slightly up QoQ to 1.14% in Dec'24 due to seasonality but still healthy). This provides resilience. Long-term outlook is positive due to strong affordable housing demand, though rising competition is a factor. ✅🏦

📌 The current TTM PE of ~29.8x is below the 5-year historical average (around 42x), suggesting a more reasonable valuation currently. The PEG ratio around 1.3 indicates valuation relative to past growth (5yr PAT CAGR ~23%). 👀

📌 Strong capitalization (CRAR ~44% end-FY24) and diversified funding, including the recent NCD raise plans, position the company well to fund future growth in the under-penetrated affordable housing market. 🏗️💰

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PalghamTerrorAttack | I am joined by everyone in the Reliance family in mourning the deaths of innocent Indians in the barbaric terrorist attack in Pahalgam on April 22, 2025. The Reliance Foundation Sir HN Hospital in Mumbai will offer free treatment to all the injured, says Mukesh Ambani

📊Nifty snaps 7-session gaining streak; HUL, Bharti Airtel lead losses
Here's how the market panned out today!

🔸Govt has decided to suspend visa services to Pakistani nationals with immediate effect

Tech Mahindra reports #Q4 earnings

--Net Profit Up 18.7% At ₹1,166.7 Cr Vs ₹983.2 Cr (QoQ)

--Revenue Up 0.7% At ₹13,384 Cr vs ₹13,285.6 Cr (QoQ)

--EBITDA Up 2.1% At ₹1,378 Cr Vs ₹1,350.2 Cr (QoQ)

--Margin At 10.3% Vs 10.2% (QoQ)

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